JP5401577B2 - Computing that analyzes the credit of telephone users based on the current usage of telephone numbers and past survey history using the analysis method specified by the survey client - Google Patents

Description

This invention is a telephone number usage situation in which a telephone number is regularly assigned to a telephone user and a change over time is periodically investigated and a result is made into a database and the data is utilized for various marketing. This is related to the technical field of computing.
More specifically, the present invention relates to computing that performs telephone user credit analysis based on the current usage status of telephone numbers and past survey history by an analysis method designated by a survey client.

  As is well known, in industries that handle large amounts of customer personal information, including telephone numbers, such as banks, credit card companies, consumer finance, and mail order sales, it is necessary to examine the usage status of telephone numbers ( To see if it is a phone number that is or is not being used). Applicants have been working on the development and improvement of computing technologies since 1993 that make this type of research efficient and accurate automatically. Typical techniques are described in detail in Japanese Patent No. 2607043 and Japanese Patent No. 2801969. The following prior inventions are well-known for computing / utilizing computing of telephone number usage.

Reference Document 1: Japanese Patent No. 3227398 Title of Invention “Telephone Number Investigation Method and Apparatus and Phone Number List Cleaning Method”
In the invention described in this document, the telephone number is automatically used to make a call to the ISDN and the subscriber terminal is not called (the telephone number used, the telephone number not used, the number change) , Etc.). In addition to creating a database of the survey results, the survey is regularly repeated and the latest usage status is always reflected in the database. Further, using the database, for example, telephone numbers that are not currently used are extracted from a telephone number list of a customer list.

Reference Document 2: Japanese Patent No. 3686967 Name of Invention “Unauthorized User Detection System and Software Program Therefor”
The invention described in this document utilizes the fact that changes in the usage status of telephone numbers are accumulated in the above database. Changes in the usage status of each telephone number, for example, in use at survey point 1 → in use at survey point 2 → primary removal at survey point 3 → not in use at survey point 4 → → in use at survey point 10 →・ The usage history is stored in the database. When the telephone number to be investigated is input from the survey client, the use history of the telephone number is examined in the database, and whether the telephone number is a “new phone” or “arrears reserve army phone” The system configuration is to determine whether the telephone number is “used telephone number” and report the result of the determination to the survey client.

Reference 3 Patent No. 4420265 Name of invention “Telemarketing device and its program”
In the invention described in this document, the following determination is performed based on a survey history database (in this document, a telephone number database).
(A) Judgment of long-term residents As described in paragraph 0024, when the history information of the telephone number to be investigated in the telephone number database is “continuously used” for a predetermined period of time, the telephone of the telephone number Give the user a “determination of being a long-term resident” corresponding to “high credit”.
(A) Determination of the relocation person As described in paragraph 0025, the history information of the telephone numbers to be investigated in the telephone number database includes a record of “new telephone number guidance” and “new telephone number” If the record prior to the record of “Guide” is “unused telephone number”, the “transferer determination” is given to the telephone user of the telephone number.
(C) Judgment of non-payment of charges As described in paragraph 0026, when the latest record of the history information of the telephone number to be investigated in the telephone number database is "Removal convenience", the telephone user of the telephone number The “payment of non-payment period” is checked, the duration of “removal of convenience” of the history information of the telephone number to be investigated in the telephone number database is checked, and the “non-payment period” is also output.
(D) Judgment of moving-in telephone number and judgment of new telephone number As described in paragraph 0028, the latest record of the history information of the telephone number to be investigated in the telephone number database is “use state” and immediately before that. If the record is "unused", either "transfer phone number determination" or "new phone number determination" is given to the telephone number. Which determination is made depends on whether or not the telephone number is included in the “list of destination telephone numbers transferred within a predetermined period”. It should be noted that the “list of destination telephone numbers transferred within a predetermined period” is presumed to be listed separately based on the telephone number database.
(E) Judgment of caution As described in paragraph 0029, when a set of home phone number and work phone number is given as the subject of investigation, the history of the corresponding number in the phone number database is examined, and the home phone number If both the phone number and the work phone number are given a “new phone number judgment” according to the judgment method (d) above, a “careful judgment” is added to these number sets. Output.

Reference Document 4 Japanese Patent No. 4790573 Title of Invention “Computer System for Estimating Credit Rating of Telephone Contractor Based on Telephone Number”
The invention described in this document is intended to infer the trustworthiness of a company or person based on the use history of the telephone number used at a certain company or person at that time, The computer system is specified by the following items (1) to (7).
(1) A computer system that includes a use history database, a defect record table, a control means, an input means, and an output means, and estimates the creditworthiness of a telephone contractor based on a telephone number. (2) Use history database Is to store a plurality of telephone numbers and the usage history data of the telephone numbers in association with each other. (3) The usage history data is to arrange the usage status of the telephone numbers in time series in association with the survey date. (4) In the defect record table, a transition pattern of usage history data for a predetermined period and a plurality of defect indexes are described in association with each other. (5) The control unit inputs the telephone number A and the reference date B from the input unit. (6) The first process is performed before, after, or before the reference date B in the usage history data of the telephone number A in the usage history database. (7) In the second process, a failure index corresponding to the usage history data C is extracted from the failure record table, and the failure index is output in association with the telephone number A. Output from the means

=== Objectives of the Invention ===
The present invention is capable of finely responding to the survey objectives and requests that differ slightly from survey client to client by using new computing that is clearly different from the prior invention described in detail above. It was created for the purpose of investigating and utilizing the situation to enable accurate credit analysis of telephone users.

=== Summary of Invention ===
The computing according to the present invention starts by making a call investigation for the telephone number presented by the investigation client. Based on the telephone number survey data showing the current usage status obtained by this call survey and the history data recorded in the survey history database for the telephone number, a credit analysis of the telephone user of the telephone number is performed. To do.

  A plurality of methods (algorithms) for analyzing the creditworthiness are prepared. This is one of the major features of the present invention. A plurality of types of analysis method descriptions are recorded in the analysis method storage unit, and can be used properly according to the request of the survey client.

=== The core of the invention ===
The computing method (system) according to the first invention is specified by the following items (11) to (17), for convenience.
(11) Survey history database and analysis method Being a computing method (system) in a system having a storage unit (12) The survey history database is intended for a set of numbers that may be used as telephone numbers. Corresponding history data to each telephone number as a result of a periodic survey that calls each telephone number to the telephone network sequentially and determines the usage attribute of each number as a telephone number based on the response of the telephone network (13) The analysis method storage unit records plural types of analysis method descriptions in association with method identifiers. (14) The input process associates the telephone numbers to be investigated with the method identifiers. Input the received telephone number and enter the accepted telephone number into the investigation process and enter the accepted method identifier into the analysis process (15) Call the telephone network with the telephone number from the input process as the destination, determine the use attribute of the number as the telephone number based on the reaction of the telephone network, and input the telephone number determination data into the analysis process (16) The analysis process uses the telephone number determination data from the investigation process and the history data of the telephone number recorded in the investigation history database as input information and the analysis method description corresponding to the method identifier from the input process. The analysis method storage unit, and by analyzing the credit of the telephone user of the telephone number by the method based on the analysis method description and outputting the analysis result (17) Each analysis method description stored in the analysis method storage unit Indicates whether the phone number determination data from the investigation process indicates a valid phone number or an invalid phone number. Dolphin whether, to contain a description of changing the progress of the analysis process by ● method computing according to the second invention (systems), when conveniently min theory, the following matters (21) - (27) It is specified by.
(21) It is a computing method (system) in a system having a survey history database and an analysis method storage unit. (22) The survey history database targets a set of numbers that may be used as telephone numbers. Corresponding history data to each telephone number as a result of a periodic survey that calls each telephone number to the telephone network sequentially and determines the usage attribute of each number as a telephone number based on the response of the telephone network (23) The analysis method storage unit records a plurality of types of analysis method descriptions in association with method identifiers. (24) The input process corresponds to the telephone number list to be investigated and the method identifier. Receive the input information, and enter the accepted telephone number into the investigation process and enter the accepted method identifier into the analysis process (25) The process sequentially calls the telephone network with each number described in the telephone number list from the input process as the destination, determines the usage attribute of each number as the telephone number based on the response of the telephone network, and determines the telephone number (26) The analysis process uses the telephone number determination data from the survey process and the history data of the telephone number recorded in the survey history database as input information, and the input from the input process. The analysis method description corresponding to the method identifier is extracted from the analysis method storage unit, the credit analysis of the telephone user of the telephone number is performed by the method based on the analysis method description, and the analysis result is output. (27) Analysis method storage unit Each analysis method description stored in the table indicates whether the phone number determination data from the survey process indicates a valid phone number, or Includes a description that changes the progress of the analysis process depending on whether the phone number is invalid.

The computing method (system) according to the third invention is specified by the following items (31) to (37), for convenience.
(31) It is a computing method in a system having a survey history database and an analysis method storage unit. (32) A survey history database is a set of numbers that may be used as telephone numbers. Calls are sequentially made to the telephone network as destinations, and history data is recorded in association with each telephone number as a result of periodic surveys that determine the usage attribute of each number as a telephone number based on the reaction of the telephone network. (33) The analysis method storage unit records multiple types of analysis method descriptions in association with the survey client identifier. (34) The input process associates the telephone number to be surveyed with the survey client identifier. The input information received is accepted, the accepted telephone number is entered into the investigation process, and the accepted survey client identifier is entered into the analysis process (35) The process calls the telephone network with the telephone number from the input process as a destination, determines the use attribute of the number as the telephone number based on the reaction of the telephone network, inputs the telephone number determination data to the analysis process,
(36) The analysis process uses the telephone number determination data from the investigation process and the history data of the telephone number recorded in the investigation history database as input information, and the analysis corresponding to the survey client identifier from the input process The method description is extracted from the analysis method storage unit, the credit analysis of the telephone user of the telephone number is performed by the method based on the analysis method description, and the analysis result is output. (37) Each analysis stored in the analysis method storage unit The method description will proceed with the analysis process depending on whether the phone number determination data from the investigation process indicates a valid phone number or whether it is an invalid phone number. that includes a description of changing ● computing method according to the fourth aspect of the present invention (systems), when conveniently min theory, the following matters (41) to (47) It is those more particular.
(41) Survey history database and analysis method This is a computing method in a system having a storage unit. (42) The survey history database is a set of numbers that may be used as telephone numbers. Calls are sequentially made to the telephone network as destinations, and history data is recorded in association with each telephone number as a result of periodic surveys that determine the usage attribute of each number as a telephone number based on the reaction of the telephone network. (43) The analysis method storage unit records a plurality of types of analysis method descriptions in association with the survey client identifier. (44) The input process includes a list of telephone numbers to be surveyed and a survey client identifier. accept associated with input information, as well as input to the phone number list of the investigation process, which has been accepted, to enter the survey requester identifier accepted in the analysis process And (45) The investigation process calls each telephone number listed in the telephone number list from the input process to the telephone network in sequence, and determines the usage attribute of each number as the telephone number based on the telephone network response. (46) The analysis process uses the telephone number determination data from the investigation process and the history data of the telephone number recorded in the investigation history database as input information. The analysis method description corresponding to the survey client identifier from the input process is extracted from the analysis method storage unit, the credit analysis of the telephone user of the telephone number is performed by the method based on the analysis method description, and the analysis result is output. (47) Each analysis method description stored in the analysis method storage unit indicates that the telephone number determination data from the investigation process is a valid telephone number. Includes a description that changes the progress of the analysis process depending on whether or not it indicates an invalid phone number.

Schematic diagram of system configuration for computing of the present invention Illustration of analysis method 1 in the example Illustration of analysis method 2 in the example Illustration of analysis method 3 in the example Illustration of analysis method 4 in the example Illustration of analysis method 5 in the example

=== System configuration ===
FIG. 1 shows an overview of a system that implements the computing of the present invention. This system includes a central processing unit 1, a storage device 2, a user interface device 3 (UI device 3), and a call investigation device 4. The central processing unit 1 is composed of a CPU, a ROM, a RAM, and the like that are the center of a computer. The storage device 2 includes a survey history database 21 and an analysis method storage unit 22. The UI device 3 includes all elements that receive input information from the outside to the system and output information from the system to the outside.

  The call investigation device 4 is a computer that operates as a calling terminal connected to a telephone network (typically ISDN, but may be an analog telephone network, a mobile telephone network, an IP telephone network, etc.), and is a central processing unit. The telephone number given from the apparatus 1 is called to the telephone network, the use attribute of the number as the telephone number is determined based on the reaction of the telephone network, and the telephone number determination data as the determination result is sent to the central processing unit Enter 1

=== Classification of usage attributes as telephone numbers ===
As an example, the call investigation device 4 classifies the use attribute as the telephone number of the called number into the following six types based on the reaction from the telephone network. The calling investigation device 4 determines that the number that has been called corresponds to one of the following six types of classifications, expresses the determination result by the following flag, and displays the telephone number and flag that are the subject of the investigation. Corresponding data (phone number determination data) is generated.
● Invalid (unused number) ... Flag A
● Valid (call or communication available)… Flag B
● Relocation (with relocation announcement) ... Flag C
● Stop for convenience (calls not allowed) ... Flag D
● Departure from the station (calls not allowed)… Flag E
● Other (classification pending or review)… Flag F

  The method of classifying the usage attribute as a telephone number is a technical matter well known to those skilled in the art. Further, according to the purpose of the call investigation, the attribute classification is increased from the above six types and further classified. In addition, it is well known to roughly classify by reducing from six types. In this embodiment, the above six types of classification are used for easy understanding, and this method can meet the demands of most survey clients.

=== Survey History Database 21 ===
As described in detail in References 1 to 4 described as background art, in the field of computing for investigation / utilization of telephone number usage, a set of numbers that may be used as telephone numbers is targeted. The above-described call investigation is periodically and repeatedly executed on a large scale, and the history of the telephone number determination data as a result of execution is stored in a database.

  The survey history database 21 of the present invention is created in this way. In this embodiment, the survey history database 21 stores the results of monthly call surveys for the telephone numbers to be investigated (a set of all numbers that can be used as telephone numbers) for the latest 24 months. Has been. That is, for each of the numbers, 24 usage attribute classification flags (flag A to flag F), which are the investigation results for 24 months, are recorded in time series.

=== Analysis Method Storage Unit 22 ===
In the analysis method storage unit 22, a plurality of types of analysis method descriptions are recorded in association with method identifiers. The analysis method description will be described in detail later. The method identifier is identification information for distinguishing each of a plurality of types of analysis method descriptions. As will be apparent from the following description, in the present invention, the analysis method description is properly used according to the survey client, or the analysis method description is properly used according to the survey client's survey purpose. In order to specify that this analysis method description is to be used for analyzing the telephone number list), a method identifier is input from the UI device 3.

=== Basic flow of survey analysis ===
The method of survey analysis includes a method in which one method identifier is associated with one telephone number to be surveyed and input from the UI device 3, and one method identifier is added to a list of a plurality of telephone numbers to be surveyed. There is a method of inputting from the UI device 3 in association with each other. In the former method, a plurality of pieces of input information in which a telephone number and a method identifier are set can be collectively input from the UI device 3. Of course, the method identifier can be different for each set.

  Computing in the former case proceeds as follows. First, the UI device 3 notifies the central processing device 1 of the received telephone number and method identifier to be investigated. The central processing unit 1 informs the call investigation device 4 of the investigation target telephone number A. The call investigation device 4 performs the above-described call investigation with the investigation target telephone number A as the destination, determines the use attribute, and transmits the telephone number determination data to the central processing unit 1.

  The central processing unit 1 uses the telephone number determination data transmitted from the call investigation device 4 as one piece of input information for analysis. Further, the central processing unit 1 searches the investigation history database 21 based on the investigation target telephone number A (same as the telephone number A of the telephone number determination data) transmitted from the UI apparatus 3, and 24 of the telephone number A. Monthly history data is extracted, and this history data is also used as input information for analysis (which may not be used as a result as will be described later). Further, the central processing unit 1 extracts one corresponding analysis method description from the analysis method storage unit 22 based on the method identifier acquired from the UI device 3, and processes the input information with an algorithm according to the analysis method description. Then, the credit analysis of the telephone user of the telephone number A is performed, and the analysis result is output from the UI device 3 as information in an appropriate format.

  In the case of a method in which one method identifier is associated with a list of a plurality of telephone numbers to be investigated and input from the UI device 3, the above investigation analysis is performed for a plurality of telephone numbers, The result of credit analysis of telephone users of numbers will be output in a list format.

=== Specific Example of Analysis Method ===
● Analysis method 1
FIG. 2 illustrates analysis method 1 in the form of a flowchart. This is the simplest example. If the current usage attribute checked by the call investigation device 4 is “invalid”, “review required 1” is output as the result of the credit analysis, and the current usage attribute is If it is “valid”, “no problem” is output as a result of the credit analysis, and “notice 2” is output otherwise. In this simple analysis method, the data of the survey history database 21 is not used.

● Analysis method 2
FIG. 3 illustrates Analysis Method 2. Similarly to the analysis method 1, if the current usage attribute checked by the call investigation device 4 is “invalid”, “review required 1” is output as the result of the credit analysis, and the current usage attribute is “invalid”. However, if it is not “valid”, “caution 2” is output. If the current usage attribute is “valid”, the history data of the telephone number is checked, and if there is “Departure” within the past two months, “Caution 1” is output and within the past 12 months If there is “Deposit”, “Caution 2” is output. If “Departure” is within the past 24 months, “Caution 3” is output. If there is no “deposit” in the history for 24 months, “no problem” is output.

● Analysis method 3
FIG. 4 illustrates analysis method 3. Similarly to the analysis method 1, if the current usage attribute checked by the call investigation device 4 is “invalid”, “review required 1” is output as the result of the credit analysis, and the current usage attribute is “valid”. If so, “no problem” is output as a result of the credit analysis. If the current usage attribute is neither “invalid”, “valid”, nor “convenient suspension”, “review required 2” is output. If the current situation is “stopping convenience”, the history data of the telephone number is examined, and the number of “stopping convenience” in the history of the past 24 months is counted. ”Is output. If it is 1 to 4 times,“ Caution 2 ”is output; otherwise,“ Caution 3 ”is output.

● Analysis method 4
FIG. 5 illustrates analysis method 4. Similarly to the analysis method 1, if the current usage attribute checked by the call investigation device 4 is “valid”, “no problem” is output as a result of the credit analysis, and even if the current usage attribute is “invalid” If it is not “valid”, “Caution 2” is output. If the current usage attribute is “invalid”, the history data of the telephone number is examined, and if there is a change from “invalid” to “transfer” while tracing back to the past data, this change Is found, the transfer number (transfer destination telephone number) appended to the history data of “transfer” is extracted, and “review required 3” is output together with a message notifying the number. If all the history for 24 months is “invalid”, “review required 1” is output, and if there is a change other than “transfer”, “review required 4” is output.

● Analysis method 5
FIG. 6 illustrates analysis method 5. Similarly to the analysis method 1, if the current usage attribute checked by the call investigation device 4 is “invalid”, “review required 1” is output as the result of the credit analysis, and the current usage attribute is “invalid”. However, if it is not “valid”, “caution 2” is output. If the current usage attribute is “valid”, the history data of the telephone number is examined. If all the history for the past 24 months is “valid”, “excellent” is output, and “valid” is continuously displayed. If the number of months is 12 months or more, “good” is output, and if the number of consecutive months is less than 12 months, “good” is output.

=== Variety of analysis methods ===
In the above, all five examples are simplified in order to easily understand the meaning of a plurality of different content analysis methods. Actually, by combining the analysis elements included in the analysis methods 2 to 5 in accordance with the purpose, a large number of complicated analysis methods can be created. Further, by setting values (analysis parameters) such as “* times or more” or “* months or more” in the above example as appropriate according to the purpose, more types of analysis methods can be created. In addition, messages that express analysis results such as “no problem”, “requires examination”, “cautions” are created as appropriate according to the purpose, so adding this element has been tailored to the purpose of each client. A great many kinds of analytical methods will be created. A method identifier is associated with each of these many analysis methods to distinguish them.

  The various types of analysis methods created in this way are organized in an easy-to-understand manner, and the significance and meaning of each analysis method are explained to the survey client in an easy-to-understand manner. The survey client selects a suitable analysis method from among many types of analysis methods, customizes the data in some cases, and specifies one analysis method. In this case, the analysis method description may be associated with the identifier of the survey client and recorded in the analysis method storage unit 22. There is also a desire to change the analysis method depending on the business content applied by the same client. In that case, the method identifier and the analysis method description may be associated with each other and recorded in the analysis method storage unit 22. Depending on the purpose, a method identifier may be associated with each of a large number of telephone numbers to be investigated and input to the UI device 3.

  As is apparent from the above description, how to describe the algorithm of the analysis method is a simple technical matter that can be appropriately selected and implemented by those skilled in the art. In this specification, explanations of specific description examples are not provided. Omit.

=== Effect of Invention ===
Investigation and utilization of telephone number usage status In the technical field of computing, there are survey clients of various industries and business categories. According to the present invention, the current usage situation of the telephone number to be investigated is started by making a call investigation, and the past investigation history data of the telephone number is referred to meet the analysis client's analysis purpose. A telephone user's credit analysis can be performed using an analysis method customized in detail.

Claims (4)

A method of computing in a system comprising a survey history database and an analysis method storage unit, comprising:
The survey history database targets a set of numbers that may be used as telephone numbers, calls each telephone number sequentially to the telephone network, and uses attributes of each number as telephone numbers based on the reaction of the telephone network Record the historical data of the results of regular surveys to determine the correspondence to each phone number,
The analysis method storage unit records a plurality of types of analysis method descriptions in association with the survey client identifier,
The input process accepts input information in which the telephone number to be investigated and the survey client identifier are associated with each other, inputs the received telephone number to the survey process, inputs the accepted survey client identifier to the analysis process,
The investigation process makes a call to the telephone network with the telephone number from the input process as the destination, determines the use attribute of the number as the telephone number based on the reaction of the telephone network, and inputs the telephone number determination data to the analysis process. ,
The analysis process uses the telephone number determination data from the investigation process and the history data of the telephone number recorded in the investigation history database as input information, and describes the analysis method description corresponding to the survey client identifier from the input process. Extract from the analysis method storage unit, analyze the credit of the telephone user of the phone number by the method based on the analysis method description, and output the analysis result,
Each analysis method description stored in the analysis method storage unit indicates whether the telephone number determination data from the investigation process indicates a valid telephone number or an invalid telephone number. A method that includes a description that changes the progress of the analysis process depending on whether or not it exists. A method of computing in a system comprising a survey history database and an analysis method storage unit, comprising:
The survey history database targets a set of numbers that may be used as telephone numbers, calls each telephone number sequentially to the telephone network, and uses attributes of each number as telephone numbers based on the reaction of the telephone network Record the historical data of the results of regular surveys to determine the correspondence to each phone number,
The analysis method storage unit records a plurality of types of analysis method descriptions in association with the survey client identifier,
The input process accepts input information that associates the telephone number list to be investigated and the survey client identifier, inputs the accepted telephone number list to the investigation process, and inputs the accepted survey client identifier to the analysis process. ,
The investigation process sequentially calls each telephone number in the telephone number list from the input process to the telephone network, determines the usage attribute of each number as the telephone number based on the telephone network reaction, and determines the telephone number. Enter decision data into the analysis process,
The analysis process uses the telephone number determination data from the investigation process and the history data of the telephone number recorded in the investigation history database as input information, and describes the analysis method description corresponding to the survey client identifier from the input process. Extract from the analysis method storage unit, analyze the credit of the telephone user of the phone number by the method based on the analysis method description, and output the analysis result,
Each analysis method description stored in the analysis method storage unit indicates whether the telephone number determination data from the investigation process indicates a valid telephone number or an invalid telephone number. A method that includes a description that changes the progress of the analysis process depending on whether or not it exists. The use attribute as a telephone number is information that can identify at least a valid telephone number, an invalid telephone number, and a telephone number that is treated as a convenience stop. Or the method of 2 . The method according to claim 3 , wherein the use attribute as a telephone number is information that can further identify a telephone number that is handled as a transfer and a telephone number that is handled as a deposit.

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