JP7288128B1 - Information processing method for information processing device, information processing device, information processing system, and program - Google Patents

Abstract

Kind Code: A1 A more rapid response to a user's potential borrowing needs. Kind Code: A1 An information processing method for an information processing apparatus including a control unit is a method in which the control unit determines a loan limit amount set in a database as a loan limit amount for a user based on credit information regarding the repayment ability of the user. If it is determined that the user's loan limit can be increased, regardless of whether or not the user has instructed to increase the loan limit, the database increasing the user's credit limit set in . [Selection drawing] Fig. 2

Description

The present disclosure relates to an information processing method for an information processing device, an information processing device, an information processing system, and a program.

Japanese Patent Laid-Open No. 2002-200002 describes a technique related to processing for changing the maximum amount of loan for a user.

Japanese Patent Application Laid-Open No. 2004-013233

However, the configuration described in Patent Literature 1 has room for improvement from the viewpoint of promptly responding to users' potential borrowing demands.

The purpose of the present disclosure is to more quickly meet a user's potential borrowing needs.

According to the present disclosure, an information processing method for an information processing device includes:
(1) An information processing method for an information processing device including a control unit,
The control unit
Determining whether an increase in a loan limit set in a database as a loan limit for the user is possible based on credit information about the user's repayment ability;
When it is determined that the user's loan limit can be increased, regardless of whether or not the user has given an instruction to increase the loan limit, increasing the credit limit;
including.

(2) In the information processing method of the information processing device of (1),
The control unit
Based on the credit information of the user, a loanable amount that is the upper limit of the loan limit that can be set for the user is calculated, and the calculated loanable amount is the amount of the user set in the database. If it is higher than the credit limit, determine that the user's credit limit can be increased;
If it is determined that the user's credit limit can be increased, the user's credit limit may be increased to the creditable amount calculated for the user.

(3) In the information processing method of the information processing device of (2),
The control unit
determining a reduction in the user's credit limit if the calculated available credit amount for the user is lower than the user's credit limit set in the database;
reducing the credit limit for the user set in the database if it is determined to reduce the credit limit for the user;
may further include

(4) In the information processing method of any one of (1) to (3),
When the control unit increases the credit limit of the user in response to the determination that the credit limit of the user can be increased, it is determined that the credit limit of the user has been increased. , notifying the user.

(5) In the information processing method of the information processing device of (4),
The control unit may further notify the user of the updated loan conditions when the loan conditions including the interest are updated as a result of the increase in the loan limit of the user.

(6) In the information processing method of the information processing device of (4) or (5),
Further comprising, when the control unit requests reduction of the loan limit from the user who notified that the loan limit has been increased, reducing the loan limit of the user to the amount before the increase. It's okay.

(7) In the information processing method of any one of (1) to (6),
The control unit
calculating a credit score indicating the creditworthiness of the repayment ability of the user based on the credit information at regular intervals;
It may be determined whether the credit limit of the user can be increased based on the calculated credit score.

(8) In the information processing method of any one of (1) to (6),
The control unit
calculating a credit score indicating the creditworthiness of the repayment ability of the user based on the credit information in response to the user reporting a change in financial resources;
It may be determined whether the credit limit of the user can be increased based on the calculated credit score.

(9) In the information processing method of the information processing device of (7) or (8),
Further comprising the control unit inquiring of the user whether or not to automatically increase the loan limit when concluding a contract for a money lending service;
When the control unit determines that the user's credit limit can be increased when the user has not responded that the credit limit will not be automatically increased, The user's credit limit set in the database may be increased regardless of whether the user instructs to increase the credit limit.

(10) In the information processing method of the information processing device of (9),
The control unit may further include changing whether or not to automatically increase the credit limit for the user in response to a request from the user.

According to the present disclosure, an information processing device includes:
(11) Based on the credit information regarding the repayment ability of the user, determine whether or not it is possible to increase the loan limit set in the database as the loan limit for the user;
When it is determined that the user's loan limit can be increased, regardless of whether or not the user has given an instruction to increase the loan limit, increasing the credit limit;
A control unit is provided.

According to the present disclosure, an information processing system includes:
(12) An information processing system comprising a terminal device used by a user and an information processing device capable of communicating with the terminal device,
The information processing device is
Determining whether it is possible to increase the loan limit set in the database as the loan limit for the user based on the credit information regarding the user's repayment ability,
When it is determined that the user's loan limit can be increased, regardless of whether or not the user has given an instruction to increase the loan limit, increasing the loan limit;
When the user's credit limit is increased, notifying the terminal device that the user's credit limit has been increased;
A control unit is provided.

According to this disclosure, the program:
(13) to the computer,
Determining whether an increase in a loan limit set in a database as a loan limit for the user is possible based on credit information about the user's repayment ability;
When it is determined that the user's credit limit can be increased, regardless of whether or not the user has given an instruction to increase the credit limit, increasing the credit limit;
perform an action including

According to one embodiment of the present disclosure, a user's potential borrowing needs can be met more quickly.

It is a figure which shows the structural example of the management system which concerns on one Embodiment. 2 is a block diagram showing a configuration example of a server device in FIG. 1; FIG. 2 is a block diagram showing a configuration example of a user device in FIG. 1; FIG. 2 is a block diagram showing a configuration example of an employee terminal in FIG. 1; FIG. 2 is a block diagram showing a configuration example of the credit institution device of FIG. 1; FIG. It is a figure which shows an example of a customer database. FIG. 2 is a sequence chart showing an operation example of the management system of FIG. 1; FIG. FIG. 2 is a sequence chart showing an operation example of the management system of FIG. 1; FIG. 2 is a diagram showing an example of a screen displayed on the user device of FIG. 1; FIG. 2 is a diagram showing an example of a screen displayed on the user device of FIG. 1; FIG. 2 is a diagram showing an example of a screen displayed on the user device of FIG. 1; FIG. FIG. 2 is a sequence chart showing an operation example of the management system of FIG. 1; FIG. 2 is a flow chart showing an operation example of the server device of FIG. 1;

An embodiment of the present disclosure will be described below with reference to the drawings. In each drawing, parts having the same configuration or function are given the same reference numerals. In the description of the present embodiment, overlapping descriptions of the same parts may be appropriately omitted or simplified.

(management system)
FIG. 1 is a diagram showing a configuration example of a management system 1 as an information processing system according to one embodiment. The management system 1 manages credit limits and the like for customers of financial institutions including money lenders (hereinafter referred to as "users"). Hereinafter, the financial institution that operates the management system 1 will be referred to as "financial institution A". The management system 1 includes a server device 10 , a user device 20 , an employee terminal 30 and a credit institution device 40 . In the management system 1, the server device 10, the user device 20, the employee terminal 30, and the credit institution device 40 are communicably connected to a network 50 including, for example, the Internet, an intranet, a mobile communication network, and the like.

The server device 10 as an information processing device according to the present embodiment is a device that manages the credit limit of each user. The server device 10 may be operated by the financial institution A, for example. The server device 10 is, for example, a general-purpose computer such as a WS (Work Station) or PC (Personal Computer) installed in a facility such as a data center, but may be realized by dedicated electronic equipment. The server device 10 manages a customer database containing information including the credit limit of each user. In this embodiment, the customer database is provided in the storage unit 12 (see FIG. 2) of the server device 10, but the customer database is provided in a storage device capable of communicating via the network 50, such as a network storage. may The server device 10 can communicate with the user device 20 , the employee terminal 30 , and the credit institution device 40 via the network 50 .

A user device 20 as a terminal device according to the present embodiment is a computer held and operated by a user. In this embodiment, the user device 20 is a smart phone used by a user, but may be, for example, a mobile device such as a mobile phone or a tablet, or a general-purpose computer such as a PC (Personal Computer). The number of user devices 20 provided in the management system 1 may be determined arbitrarily.

The employee terminal 30 is a computer operated by an employee of the financial institution A. FIG. In this embodiment, the employee terminal 30 is a PC, but may be a mobile device such as a tablet. The number of employee terminals 30 provided in the management system 1 may be determined arbitrarily.

The credit institution device 40 is a computer managed by a credit institution. Credit institutions receive registration of consumer credit information (e.g., personal attributes, details of contracts related to borrowing such as credit and loans, payment status, and outstanding balance) from member members of financial institutions, etc. It is an agency that provides credit information in response to inquiries from The credit institution device 40 provides credit information regarding the repayment ability of the user in response to an inquiry from the server device 10 . The credit institution device 40 manages a credit information database, which is a database of credit information of each consumer. It should be noted that financial institution A may acquire credit information not only by inquiring the credit information to the credit institution device 40, but also by receiving information provided by the user or investigating the previous usage status. . The server device 10 may be, for example, a computer such as a WS installed in a facility such as a data center. The number of credit institution devices 40 included in the management system 1 may be determined arbitrarily.

In the configuration as described above, the server device 10 acquires credit information regarding the repayment ability of the user by making an inquiry to the credit institution device 40, receiving information provided by the user, or the like. Based on the acquired credit information, the server device 10 determines whether or not it is possible to increase the loan limit set in the customer database as the loan limit for the user. When it is determined that the user's credit limit can be increased, the server device 10 sets the user's credit limit set in the customer database regardless of whether or not the user has issued an instruction to increase the credit limit. Increase your credit limit. In other words, when it is determined that the user's credit limit can be increased, the server device 10 automatically increases the user's credit limit before notifying the user of this fact. In this manner, the server device 10 automatically increases the loan limit when possible, thereby responding more quickly to the user's latent demand for borrowing. In other words, the user can borrow up to an amount corresponding to the repayment ability without explicitly instructing the financial institution to change the loan limit amount.

(Server device)
FIG. 2 is a block diagram showing a configuration example of the server device 10 of FIG. As shown in FIG. 2 , the server device 10 includes a control section 11 , a storage section 12 and a communication section 13 .

Control unit 11 includes one or more processors. In one embodiment, a "processor" is a general-purpose processor or a dedicated processor specialized for a particular process, but is not limited to these. The control unit 11 is communicably connected to each component constituting the server device 10 and controls the operation of the server device 10 as a whole.

The storage unit 12 includes arbitrary storage modules such as HDD (Hard Disk Drive), SSD (Solid State Drive), ROM (Read-Only Memory), and RAM (Random Access Memory). The storage unit 12 may function, for example, as a main memory device, an auxiliary memory device, or a cache memory. The storage unit 12 stores arbitrary information used for the operation of the server device 10 . For example, the storage unit 12 may store system programs, application programs, various information received by the communication unit 13, and the like. The storage unit 12 is not limited to being built in the server device 10, and may be an external database or an external storage module. As an example, the customer database is provided in the storage unit 12 .

The communication unit 13 includes any communication module that can be communicatively connected to the network 50 by any communication technology. The communication unit 13 includes, for example, a communication control module for controlling communication with other devices such as the user device 20, the employee terminal 30, and the credit institution device 40, and an identification unit required for communication with other devices. A storage module for storing communication data, such as information, may also be included.

The functions of the server device 10 can be realized by executing a computer program (program) according to the present embodiment with a processor included in the control unit 11 . That is, the functions of the server device 10 may be realized by software. The computer program causes the computer to execute the processing of steps included in the operation of the server apparatus 10, thereby causing the computer to realize the functions corresponding to the processing of each step. That is, the computer program is a program for causing a computer to function as the server device 10 according to this embodiment. The computer program may be recorded on a computer-readable recording medium. The program includes information that is used for processing by a computer and that conforms to the program. For example, data that is not a direct instruction to a computer but that has the property of prescribing the processing of the computer corresponds to "things equivalent to a program."

The computer program can be recorded on a computer-readable recording medium. A computer-readable recording medium is, for example, a magnetic recording device, an optical disk, a magneto-optical recording medium, or a semiconductor memory. Program distribution is performed by selling, assigning, or lending a portable recording medium such as a DVD (Digital Versatile Disc) or a CD-ROM (Compact Disc Read Only Memory) on which the program is recorded. The program may be distributed by storing the program in the storage of the server and transferring the program from the server to another computer via the network. A program may be provided as a program product.

The computer may temporarily store, for example, a program recorded on a portable recording medium or a program transferred from a server in a main storage device. Then, the computer may read the program stored in the main storage device with the processor, and execute the process according to the read program with the processor. The computer may read the program directly from the portable recording medium and execute processing according to the program. The computer may execute processing according to the received program every time the program is transferred from the server to the computer. Such processing may be executed by a so-called ASP-type service that implements functions only by executing instructions and obtaining results without transferring a program from a server to a computer. "ASP" is an abbreviation for Application Service Provider. The program includes information that is used for processing by a computer and that conforms to the program. For example, data that is not a direct instruction to a computer but that has the property of prescribing the processing of the computer corresponds to "things equivalent to a program."

A part or all of the functions of the server device 10 may be implemented by a dedicated circuit included in the control unit 11 . That is, part or all of the functions of the server device 10 may be realized by hardware. The server device 10 may be realized by a single computer, or may be realized by cooperation of a plurality of computers that can communicate with each other.

(user device)
FIG. 3 is a block diagram showing a configuration example of the user device 20 of FIG. As shown in FIG. 3 , the user device 20 includes a control section 21 , a storage section 22 , a communication section 23 , an input section 24 , an output section 25 and an imaging section 26 .

The control unit 21, the storage unit 22, and the communication unit 23 of the user device 20 are the same as the control unit 11, the storage unit 12, and the communication unit 13 of the server device 10, so detailed description thereof will be omitted.

The input unit 24 includes one or more input interfaces that receive user's input operations and acquire input information based on the user's operations. In this embodiment, the user device 20 is a touch screen provided integrally with the display of the output unit 25, but is not limited to this. For example, the input unit 24 may be a physical key, a capacitive key, a pointing device, or a microphone that accepts voice input, but is not limited to these.

The output unit 25 includes one or more output interfaces for outputting information to the user and notifying the user. For example, the output unit 25 is a display (display unit) that outputs information as an image, or a speaker that outputs information as sound, but is not limited to these. Such a display may be, for example, a liquid crystal panel display or an organic EL (Electro Luminescence) display. At least one of the input unit 24 and the output unit 25 described above may be configured integrally with the user device 20 or may be provided separately.

The photographing unit 26 includes a camera that photographs a subject and generates a photographed image. The imaging unit 26 may include a photoelectric conversion element that converts light into an electrical signal, an optical system including a lens, and the like.

As with the server device 10, the functions of the user device 20 may be realized by software.

(employee terminal)
FIG. 4 is a block diagram showing a configuration example of the employee terminal 30 of FIG. As shown in FIG. 4 , the employee terminal 30 includes a control section 31 , a storage section 32 , a communication section 33 , an input section 34 and an output section 35 . The control unit 31, the storage unit 32, and the communication unit 33 of the employee terminal 30 are the same as the control unit 11, the storage unit 12, and the communication unit 13 of the server device 10, so detailed description thereof will be omitted. Since the input unit 34 and the output unit 35 of the employee terminal 30 are the same as the input unit 24 and the output unit 25 of the user device 20, detailed description thereof will be omitted.

(credit institution equipment)
FIG. 5 is a block diagram showing a configuration example of the credit institution device 40 of FIG. As shown in FIG. 5 , the credit institution device 40 includes a control section 41 , a storage section 42 and a communication section 43 . The control unit 41, the storage unit 42, and the communication unit 43 of the credit institution device 40 are the same as the control unit 11, the storage unit 12, and the communication unit 13 of the server device 10, so detailed descriptions thereof will be omitted. As an example, the credit information database for each consumer's credit information is provided in the storage unit 42, but may be provided in a storage device capable of communicating via the network 50 or intranet, such as network storage.

(customer database)
FIG. 6 is a diagram showing an example of a customer database. As described above, the customer database may be constructed in the storage unit 12 of the server device 10. FIG. In the example of FIG. 6, the customer database associates with the "user ID", "credit score", "loan amount", "loan limit", "loanable amount", "interest", "annual income", "other company It manages information such as "borrowing amount" and "whether automatic increase is possible".

“User ID” is identification information (ID) that identifies a user. In the example of FIG. 6, the user ID is a string of numbers, but it may be, for example, alphabets, symbols, or a combination thereof. The user ID may be the user's email address, phone number, name, or a combination thereof.

A “credit score” is information indicating the creditworthiness of a user's ability to repay. The server device 10 makes an inquiry to the credit institution device 40, provides information from the user, and based on the credit information acquired by investigating the previous usage status of the user at the financial institution A, etc., the user according to a predetermined standard. The credit score is calculated by scoring the repayment ability of the borrower. In this embodiment, the credit score is a numerical value indicating the repayment ability of the user. may represent the repayment capacity of

The credit information on which the credit score is calculated may include, for example, personal identification information, attribute information, credit information, and the like.

The personal identification information is information for identifying the user. Personal identification information includes, for example, name, date of birth, gender, e-mail address, address, telephone number (home or mobile phone), employer name, employer telephone number, driver's license number, and other identity verification documents. information, etc.

User attribute information is information about the user's standard of living. Attribute information includes, for example, marital status, type of residence (own house, rented house, etc.), amount of housing (rent) burden, date of move-in, presence or absence of family living together, type and number of dependents, date of employment, employment Type, type of health insurance card, type of business, size of company (number of full-time employees, etc.), annual income including tax, payday, etc. may be included.

The credit information is information about credits that a financial institution such as a moneylender or a credit card company has for a user. The credit information may include, for example, information on contract details, information on payment status, and the like. Information on contract details includes, for example, the date of conclusion of the contract, the type of contract (whether it is a comprehensive contract or an individual contract), the name of the product, whether the loan has the consent of the spouse, whether there is a guarantor or joint and several obligations, etc. , guaranteed amount, number of payments, contract amount (maximum amount), scheduled contract end date, creditor, etc. may be included. Information on payment status includes, for example, the date of reporting, the amount of outstanding debts, the amount of claims, the amount of money received, the history of payments, whether or not changes (delinquency, performance of guarantees, bankruptcy, etc.), the date of changes, the date of cancellation of arrears, and the status of completion etc. may be included.

Credit information may include other information. The credit information includes, for example, the desired limit amount declared by the user (the borrowing limit amount desired by the user), the borrowing amount from other companies (the borrowing amount from other companies declared by the user), and the purpose of borrowing (living expenses or business funds, etc.) may be included.

The “loan amount” is the total amount of the loan that the financial institution A has lent to the user.

“Loan limit” is the limit of loan for the user. The loan limit is set to a value equal to or less than the loanable amount, which will be described later.

The “loanable amount” is the upper limit of the loan amount that can be set for the user. The amount available for lending is determined based on credit scores.

“Interest” is the interest (interest rate) of the loan to the user. Interest rates may change as credit limits increase.

“Annual Income” is the annual income of the user.

The “amount borrowed from other companies” is the amount of money that the user has borrowed from financial institutions other than the financial institution A.

"Automatic increase possible" indicates whether the credit limit can be automatically increased by financial institution A's judgment, regardless of whether or not the user instructs to increase the credit limit. . "Possible" indicates that the lending limit can be automatically increased according to the financial institution A's judgment. "No" indicates that the credit limit cannot be automatically increased due to the financial institution A's judgment.

The customer database may manage information other than the information illustrated in FIG. 6 in association with the "user ID". For example, the customer database may manage the information corresponding to the credit information acquired so far in association with the "user ID". An employee of the financial institution A can use the employee terminal 30 to access the server device 10 and refer to the information of each user recorded in the customer database.

(Operation example of management system)
7, 8, and 10 are sequence charts showing an operation example of the management system 1 of FIG. 7, 8, and 10, the operation of the server device 10 may be executed under the control of the control unit 11. FIG. The operation of the user device 20 may be executed based on control by the control unit 21 . The operation of the employee terminal 30 may be executed based on control by the control unit 31 . The operations of the credit institution device 40 may be executed under the control of the control unit 41 .

FIG. 7 shows the operation of the management system 1 when the user newly applies for conclusion of a money lending contract with the financial institution A. As shown in FIG. Hereinafter, a user who applies for a money lending contract to financial institution A will be referred to as "user B".

In step S1 of FIG. 7, the control unit 21 of the user device 20 receives an operation from user B regarding application for a money lending contract.

Specifically, the control unit 21 provides the user B via the input unit 24 and the output unit 25 with information such as personal identification information, attribute information, desired credit limit, amount borrowed from other companies, and purpose of borrowing. In addition to the input, the fact that the user intends to apply for conclusion of the money lending contract may also be input. The control unit 21 prompts the user to input a photographed image of a confirmation document of information input by the user, such as a driver's license or other personal identification document, or an income certificate that certifies the user's income. good too. For example, the control unit 21 may prompt the user B to take an image of the confirmation document using the imaging unit 26, and acquire a captured image of the confirmation document.

The control unit 11 may receive the input of such information via an application (application program) running on the user device 20 . Alternatively, the control unit 11 may accept input of such information via a web browser. If the input information is insufficient, such as that essential information has not been input, the control unit 11 may notify the user B to that effect.

In step S2, the control unit 21 of the user device 20 transmits the information input by the user B in step S1 to the server device 10 as application information. Upon receiving the application information from the user device 20, the control unit 11 of the server device 10 newly creates an account for the user B in the customer database.

In step S<b>3 , the control section 11 of the server device 10 requests the credit information of the user B from the credit institution device 40 . Specifically, the control unit 11 extracts information (for example, personal identification information) necessary for inquiring credit information from the application information of the user B received from the user device 20 in step S1, Referral information may be generated. The control unit 11 may request the credit information of the user B by transmitting the generated inquiry information to the credit institution device 40 .

In step S4, when the control unit 41 of the credit institution device 40 receives the inquiry information from the server device 10, it searches the credit information database for the credit information of the user B specified by the inquiry information. When user B's credit information is retrieved in the credit information database, the control unit 41 transmits the retrieved credit information to the server device 10 as a query result. If user B's credit information is not found in the credit information database, the control unit 41 transmits that fact to the server device 10 as a query result.

The control unit 11 of the server device 10 may acquire credit information from a plurality of credit institution devices 40 through the processes of steps S3 and S4. Upon receiving the credit information from the credit institution device 40, the control unit 11 of the server device 10 registers it in the user B's account in the customer database.

In step S5, the control unit 11 of the server device 10 calculates a credit score using the application information of the user B received from the user device 20 in step S1 and the inquiry result received from the credit institution device 40 in step S4 as credit information. do. Specifically, based on the credit information, the control unit 11 converts the repayment ability of the user into points according to a predetermined standard to calculate a credit score. The control unit 11 may compare the application information received from the user device 20 and the inquiry result received from the credit institution device 40 to check whether there is any contradiction. The control unit 11 may collate a plurality of inquiry results received from a plurality of credit institution devices 40 to check whether they are consistent with each other. When receiving the image of the confirmation document from the user device 20, the control unit 11 extracts text data from the confirmation document by OCR (Optical Character Recognition), compares it with the information input by the user B, and may be checked for consistency.

In step S<b>6 , the control unit 11 of the server device 10 transmits the credit score calculated in step S<b>5 to the employee terminal 30 . Upon receiving the credit score from the server device 10, the control unit 31 of the employee terminal 30 notifies the employee of the financial institution A to that effect, and accepts correction of the credit score from the employee. The employee refers to the credit information registered in the customer database of the server device 10 and makes necessary corrections to the credit score.

In step S7, the control unit 31 of the employee terminal 30 requests the server device 10 to correct the credit score based on the employee's operation. Upon receiving the correction request from the employee terminal 30, the control unit 11 of the server device 10 corrects the credit score of the user B and registers it in the customer database.

Note that the processing of steps S6 and S7 may be omitted. Alternatively, for example, the server device 10 performs step S6 and You may make it perform the process of step S7.

In step S8, the control unit 11 of the server device 10 determines the loanable amount of the user B based on the credit score. For example, the control unit 11 stores in the storage unit 12 or the like a table showing the correspondence between the credit score and the loanable amount in advance, and obtains the amount corresponding to the credit score of the user B by referring to the table. You may The control unit 11 determines the lower of the amount corresponding to the credit score on the table and the amount of the upper limit of lending based on legal regulations such as the total amount regulation under the Money Lending Business Act as the loanable amount. good. The control unit 11 may determine that the loan to the user B cannot be made when the credit score is lower than a predetermined standard.

In step S9, the control unit 11 of the server device 10 determines the loan limit and the like based on the loanable amount and the user B's desired limit and the like. For example, the control unit 11 may determine the same amount as the loanable amount determined in step S8 as the loan limit amount. Alternatively, when the loanable amount is higher than the user B's desired limit amount, the control unit 11 may determine the same amount as the desired limit amount as the loan limit amount. Further, the control unit 11 determines lending conditions including interest (for example, the term of repayment and the number of repayments may be included) based on the lending limit, internal regulations and laws and regulations of the financial institution A. .

In step S<b>10 , the control unit 11 of the server device 10 transmits the credit result to the user device 20 . Specifically, for example, the control unit 11 transmits to the user device 20 whether or not a loan can be made to the user B, and if the loan is possible, the loan conditions such as the maximum amount of the loan and the interest. Here, the control unit 11 may transmit to the user device 20 information including content for inquiring of the user whether or not to automatically increase the loan limit amount. The control unit 11 may send the credit result to the user device 20 by e-mail including the URL (Uniform Resource Locator) of the web page displaying the loan conditions such as the loan limit and interest, for example. Alternatively, the control unit 11 may transmit the credit result to the user device 20 to an application running on the user device 20 or by SMS (Short Message Service). Upon receiving the credit result from the server device 10 , the control unit 21 of the user device 20 notifies the user B of the credit result by, for example, displaying it on the display unit of the output unit 25 . User B confirms the lending conditions indicated in the credit result, and if the contract is concluded under those conditions, the necessary items (for example, an answer as to whether or not to automatically increase the loan limit may be included). ) to instruct the user device 20 to conclude a contract.

In step S<b>11 , the control unit 21 of the user device 20 transmits to the server device 10 that a contract regarding the money lending service will be concluded in response to the user's instruction to conclude a contract.

In step S12, when the control unit 11 of the server device 10 receives from the user device 20 that the contract is to be concluded, the terms of the loan with the user B (which may include whether or not to automatically increase the loan limit) are set. Register the customer information including in the customer database. Then, the control unit 11 terminates the processing of the sequence chart of FIG.

The series of processes in FIG. 7 enables user B to receive a loan from financial institution A within the limit of the loan amount. In addition, the server device 10 may receive corrections such as the loan limit amount within the range of the loanable amount and whether or not to automatically increase the amount at any timing based on the request from the user device 20 .

Based on laws and regulations such as the Money Lending Business Act, the server device 10 recalculates the credit score of each user at regular intervals (for example, every three months or every month), and based on the calculated credit score Revise loan conditions such as loan limit and interest. FIG. 8 shows the operation of the management system 1 when conducting credit checks at regular intervals. Hereinafter, a user whose credit score is calculated by the server device 10 at regular intervals will be referred to as "user B".

In step S21 of FIG. 8, the control unit 11 of the server device 10 transmits inquiry information to the credit institution device 40, requesting user B's credit information. The process of step S21 can be performed similarly to step S3 of FIG.

In step S22, upon receiving the inquiry information from the server device 10, the control unit 41 of the credit institution device 40 searches the credit information database for the credit information of the user B, and transmits the search result to the server device 10 as the inquiry result. The processing of step S22 can be performed in the same manner as step S4 of FIG.

The control unit 11 of the server device 10 may acquire credit information from a plurality of credit institution devices 40 through the processing of steps S21 and S22, as in the case of newly concluding a money lending contract (FIG. 7). Upon receiving the credit information from the credit institution device 40, the control unit 11 of the server device 10 updates the credit information of the user B in the customer database.

In step S23, the control unit 11 of the server device 10 uses the application information of the user B received from the user device 20 at the time of contract conclusion and the inquiry result received from the credit institution device 40 in step S22 as credit information to obtain a credit score. is calculated and updated. The process of step S23 can be performed similarly to step S5 of FIG. Although not shown in FIG. 8, the server device 10 may accept credit score corrections from employees of the financial institution A as necessary, as in steps S6 and S7 of FIG.

In step S24, the control unit 11 of the server device 10 determines and updates the loanable amount of the user B based on the credit score calculated in step S23. The process of step S24 can be performed similarly to step S8 of FIG. The control unit 11 may determine to stop lending to user B when the credit score is lower than a predetermined standard even for a user who has made loans so far.

In step S25, the control unit 11 of the server device 10 determines and updates the loan limit of the user B based on the loanable amount updated in step S24. For example, if the lendable amount updated in step S24 is higher than the previous lendable amount of user B, the control unit 11 may increase and update the lendable amount to the updated lendable amount. The control unit 11 may automatically increase the loan limit only when the user B's "automatic increase permission" is set to "possible" in the customer database (FIG. 6). . Further, the control unit 11 may determine and update loan conditions including interest based on the updated loan limit amount, internal regulations of the financial institution A, laws and regulations, and the like.

In step S<b>26 , the control unit 11 of the server device 10 transmits the updated loan conditions such as the loan limit amount and interest to the user device 20 . When the control unit 11 determines to stop lending to the user B, the control unit 11 notifies the user device 20 to that effect. For example, the control unit 11 may transmit the updated loan conditions such as the loan limit and interest to the application running on the user device 20 . Alternatively, the control unit 11 may send the updated lending limit and lending conditions such as interest to the user device 20 by e-mail (which may include the URL of the web page) or SMS. The control unit 11 of the server device 10 updates the loan limit, interest, etc. based on the contact information such as the presence or absence of the application usage history and the contact information such as the e-mail or mobile phone number registered for the user B. A method of transmitting the loan terms to the user device 20 may be determined.

In addition, the control unit 11 may automatically generate a document based on laws and ordinances and electromagnetically deliver it to the user when the credit limit is increased. Specifically, the control unit 11 may automatically generate and display a document based on laws and regulations, for example, when an application is started or when a user logs in to a website.

When the control unit 21 of the user device 20 receives the updated loan conditions such as the loan limit amount and the interest from the server device 10, the new loan conditions are displayed on the display unit of the output unit 25, and the user B Notice.

9A to 9C are diagrams showing examples of screens displayed on the user device 20 of FIG. 9A-9C show examples of screens 70 of apps running on the user device 20. FIG.

In FIG. 9A, screen 70 includes image 71 notifying that the credit limit has been increased. An image 71 shows the loan conditions before review (loan limit of 500,000 yen, interest of 18%) and the loan conditions after review (loan limit of 1 million yen, interest of 15%). In FIG. 9B, screen 70 includes image 72 notifying that the credit limit has been reduced. An image 72 shows a loan limit of 500,000 yen before review and a loan limit of 300,000 yen after review. In FIG. 9C, the screen 70 includes an image 73 notifying that the loan is to be stopped.

Upon receiving the notification of the increase in the credit limit as illustrated in FIG. 9A, User B may wish to restore the credit limit. In such a case, user B instructs user device 20 to reduce the loan limit to the amount before the increase. In the case of lending conditions as illustrated in FIG. 9A, if the loan limit is restored from 1,000,000 yen to 500,000 yen, the interest will also return from 15% to 18% accordingly. Note that the user device 20 and the server device 10 may leave the interest at 15% even if the loan limit is returned from 1,000,000 yen to 500,000 yen.

Upon receiving such an instruction from user B, in step S27, the control unit 21 of the user device 20 sends a request to the server device 10 to restore the lending conditions, such as the lending limit, to the conditions before the increase. Send. The control unit 21 may not only return the credit limit to the conditions before the increase, but also correct the credit limit to an amount desired by the user within the range of the lendable amount or less. For example, the control unit 21 may receive an input of the amount desired by the user, transmit the input amount to the server device 10, and request that the loan limit be corrected to that amount.

Upon receiving such a request for modification of the loan limit and the like from the user device 20, in step S28, the control unit 11 of the server device 10 modifies the loan conditions such as the loan limit and the like in accordance with the request from the user device 20. . Then, the control unit 11 terminates the processing of the sequence chart of FIG.

As described above, in the series of processes in FIG. 8, the server device 10 calculates a credit score indicating the creditworthiness of the user's repayment ability based on the user's credit information at regular intervals, and based on the calculated credit score , to determine whether the user's credit limit can be increased. When it is determined that the loan limit can be increased, the server device 10 sets the user's loan limit set in the database regardless of whether or not the user has issued an instruction to increase the loan limit. to increase In this way, the server device 10 calculates a credit score at regular intervals such as the timing of a legal investigation, and determines whether or not the credit limit can be increased based on the credit score. It is possible to automatically modify the credit limit in response to changes.

Further, when the user's loan limit is increased in response to the determination that the user's loan limit can be increased, the server device 10 notifies the user that the loan limit has been increased. Therefore, by receiving a notice that the loan limit has been increased, the user can know that the loanable amount has been increased, and can select procedures such as changing the loanable amount as necessary. is possible.

Further, when the lending conditions including the interest are updated due to the increase in the user's lending limit, the server device 10 further notifies the updated lending conditions to the user. Therefore, the user can know that the loan conditions have been updated by receiving a notification that the loan conditions including the interest have been updated due to the increase in the loan limit amount.

Note that when the user device 20 receives from the server device 10 a notice that the loan limit has been increased, the user device 20 near the “notice” pattern 75 included in the lower part of the screen 70 in FIG. 9A is different from other notices. You may make it display the pattern of a color or a shape. As a result, the user can immediately recognize that the credit limit has been increased, and can more reliably determine whether or not to restore the credit limit.

Also in FIG. 9A, screen 70 includes a display of the credit limit and interest before and after review, but in addition to this information, for example, an additional amount that can be borrowed calculated from the current borrowing amount may be included. By doing so, the user can know the additional amount of money that can be borrowed, and it is possible to meet the user's potential borrowing demand more accurately.

In addition, the user device 20 may display an image 71 notifying that the credit limit has been increased and a pattern including a display such as "restore" on the screen 70 so that the user can select it. When the user selects a symbol such as "restore", the user device 20 may send a request to the server device 10 to correct the lending conditions such as the lending limit to the conditions before the increase. good. According to such a configuration, the user can easily return the lending conditions such as the lending limit amount to the conditions before the increase with a single selection operation. Note that the user device 20 displays a confirmation screen for confirming whether or not to continue the procedure for resetting the loan limit or the like in accordance with the selection of the symbol such as "undo", and the user device 20 prompts the user to continue the procedure. is instructed, a request to restore the lending conditions may be transmitted to the server device 10 . According to such a configuration, the user can more carefully determine whether or not to return the loan conditions such as the loan limit amount to the conditions before the increase.

In addition, the user device 20 may display the loan limit amount before and after the review and the interest rate, as well as an input area in which the user can enter a desired loanable amount. The user device 20 responds to the input of the amount of money in the input area, and the corresponding lending conditions such as interest, and repayment to the financial institution A when a certain amount is borrowed under the lending conditions. Information such as the total amount of money to be paid may be displayed in conjunction with the input operation of the loan limit amount. According to such a configuration, when the user is notified of an increase in the loanable amount, the user can easily know how the loan conditions, total repayment amount, etc. will change if the loanable amount is corrected. becomes.

In addition, the user device 20 displays an image 71 notifying that the credit limit has been increased, and an input area for accepting a setting change from the user as to whether or not to automatically increase the credit limit. good too. When the user inputs a setting change as to whether or not to automatically increase the loan limit amount via such an input area, the user device 20 notifies the server device 10 that the user's " "Automatic increase possible" may be changed.

In addition, when the user who has notified that the credit limit has been increased requests the reduction of the credit limit, the server device 10 reduces the credit limit of the user to the amount before the increase. Therefore, the user can restore the credit limit if desired. In the example described above with reference to FIG. 8, when the user requests that the loan limit be reduced, the server device 10 restores not only the loan limit but also the loan conditions including interest. , lending conditions other than the lending limit may not be restored.

After concluding a money lending contract with the financial institution A, the user notifies the financial institution A if, for example, there is a change in registered information regarding financial resources such as annual income. The server device 10 recalculates the user's credit score in response to the user reporting such a change in financial resources, and sets lending conditions such as the maximum amount of loan and interest based on the calculated credit score. fix it. FIG. 10 shows the operation of the management system 1 when conducting a credit check in response to such a declaration of change in financial resources. Hereinafter, the user who declares the change of means will be referred to as "user B".

In step S31 of FIG. 10, the control unit 21 of the user device 20 receives from the user B an operation related to a change of means. Specifically, the control unit 21 may cause the user B to input, via the input unit 24 and the output unit 25, the content changed from when the contract was concluded. The control unit 21 may allow the user to input a photographed image of a confirmation document such as an income certificate that certifies the new income. For example, the control unit 21 may prompt the user B to take an image of the confirmation document using the imaging unit 26, and acquire a captured image of the confirmation document. The control unit 11 may receive the input of such information via an application running on the user device 20, a web browser, or the like.

In step S<b>32 , the control unit 21 of the user device 20 transmits the information (means information) input by the user B in step S<b>31 to the server device 10 . The control unit 11 of the server device 10 registers the resource information received from the user device 20 in the customer database. When the image of the confirmation document is received, the control unit 11 extracts the text data from the confirmation document by OCR, confirms the consistency with the information input by the user B, and then stores the financial information in the customer database. may be registered with.

In step S<b>33 , the control unit 11 of the server device 10 transmits to the employee terminal 30 the confirmation request for the means information received in step S<b>32 . Upon receiving the confirmation request from the server device 10, the control unit 31 of the employee terminal 30 notifies the employee of the financial institution A to that effect and prompts the employee to confirm. The employee refers to the financial information registered in the customer database of the server device 10 and confirms whether or not there is any unnatural point. After confirming the means information, the employee inputs the confirmation result to the employee terminal 30. - 特許庁

In step S34, the control unit 31 of the employee terminal 30 transmits the confirmation result to the server device 10 based on the operation by the employee. Upon receiving the confirmation result from the employee terminal 30, the control unit 11 of the server device 10 appropriately corrects the means information of the user B and registers it in the customer database.

Note that the processing of steps S33 and S34 may be omitted. Alternatively, for example, the server device 10 may execute the processes of steps S33 and S34 only when there is a certain reason such as the text data cannot be extracted from the confirmation document image by OCR.

In step S<b>35 , the control unit 11 of the server device 10 transmits inquiry information to the credit institution device 40 to request user B's credit information. The process of step S35 can be performed similarly to step S3 of FIG.

In step S36, upon receiving the inquiry information from the server device 10, the control unit 41 of the credit institution device 40 searches the credit information database for the credit information of the user B, and transmits the search result to the server device 10 as the inquiry result. The process of step S36 can be performed similarly to step S4 of FIG.

The control unit 11 of the server device 10 may acquire credit information from a plurality of credit institution devices 40 through the processing of steps S35 and S36, as in the case of newly concluding a money lending contract (FIG. 7). Upon receiving the credit information from the credit institution device 40, the control unit 11 of the server device 10 updates the credit information of the user B in the customer database.

In step S37, the control unit 11 of the server device 10 calculates and updates the credit score based on the updated credit information of the user B registered in the customer database. The processing of step S37 can be performed in the same manner as step S5 of FIG. Although not shown in FIG. 8, the server device 10 may accept credit score corrections from employees of the financial institution A as necessary, as in steps S6 and S7 of FIG.

In step S38, the control unit 11 of the server device 10 determines and updates the loanable amount of the user B based on the credit score calculated in step S37. The process of step S37 can be performed similarly to step S8 of FIG. The control unit 11 may determine that a loan to the user B is not possible if the credit score of the user who has provided loans in the past is lower than a predetermined reference.

In step S39, the control unit 11 of the server device 10 determines and updates the loan limit of the user B based on the loanable amount updated in step S38. The process of step S38 can be performed similarly to step S25 of FIG. For example, the control unit 11 automatically increases the loan limit only when the user B's "automatic increase allowed/disabled" is set to "possible" in the customer database (FIG. 6). good too.

In step S40, the control unit 11 of the server device 10 transmits the updated loan conditions such as the loan limit and interest to the user device 20 by communication to the application, e-mail, SMS, or the like. The process of step S40 can be performed similarly to step S26 of FIG.

When the control unit 21 of the user device 20 receives the updated loan conditions such as the loan limit amount and the interest rate from the server device 10, for example, a screen 70 as shown in FIGS. 9A to 9C is displayed on the display unit of the output unit 25. Then, the user B is notified of the new lending conditions. When User B receives a notification that the loan limit has been increased and wants to restore the loan limit, User B instructs the user device 20 to reduce the loan limit to the amount before the increase. do.

Upon receiving such an instruction from user B, in step S41, the control unit 21 of the user device 20 sends a request to the server device 10 to restore the lending conditions, such as the lending limit, to the conditions before the increase. Send.

Upon receiving such a request for modification of the loan limit and the like from the user device 20, in step S42, the control unit 11 of the server device 10 corrects the loan conditions such as the loan limit and the like in accordance with the request from the user device 20. . Then, the control unit 11 terminates the processing of the sequence chart of FIG.

As described above, in the series of processes shown in FIG. 10, the server device 10 calculates a credit score indicating the creditworthiness of the user's repayment ability based on the credit information in response to the user reporting a change in financial resources. The server device 10 determines whether or not the user's credit limit can be increased based on the calculated credit score. When it is determined that the loan limit can be increased, the server device 10 sets the user's loan limit set in the database regardless of whether or not the user has issued an instruction to increase the loan limit. to increase In this way, the server device 10 calculates a credit score in response to the user's report of a change in financial resources, and determines whether or not the credit limit can be increased based on the credit score. It is possible to automatically revise the loan limit depending on the situation. 7 and steps S33 and S34 of FIG. 10 are omitted, the management system 1 does not need to include the employee terminal 30. FIG.

(Operation example of server device)
FIG. 11 is a flow chart showing an operation example of the server device 10 of FIG. FIG. 11 shows a server common to both a credit check (FIG. 8) at regular intervals based on laws and regulations such as the Money Lending Business Act and a credit check (FIG. 10) performed in response to a request for a change in financial resources from the user. Details of the processing performed in the device 10 are shown. The process of FIG. 11 is executed when performing such a credit check on a user who has already concluded a money lending contract with the financial institution A. The operation of the server device 10 described with reference to FIG. 11 may correspond to one of the information processing methods of the information processing device. The operation of each step in FIG. 11 may be executed based on the control by the control unit 11 of the server device 10 . Hereinafter, a user for whom the server device 10 conducts a credit check and corrects the loan limit, etc., will be referred to as "user B".

In step S51, the control unit 11 acquires credit information regarding the repayment ability of the user B. Specifically, the control unit 11 obtains credit information by making an inquiry to the credit institution device 40, receiving information from the user B, or the like. The credit information may include, for example, the aforementioned personal identification information, attribute information, and credit information, as well as the desired limit amount, borrowing amount from other companies, borrowing purpose, and the like declared by User B.

In step S52, the control unit 11 calculates a credit score indicating the creditworthiness of the user's repayment ability based on the credit information acquired in step S51. Specifically, based on the credit information, the control unit 11 converts the repayment ability of the user into points according to a predetermined standard to calculate a credit score. The process of step S52 can be performed similarly to step S5 of FIG.

In step S53, the control unit 11 calculates the loanable amount of the user B based on the credit score. The process of step S53 can be performed similarly to step S8 of FIG. As described above, the control unit 11 may determine to stop lending to the user B when the credit score is lower than a predetermined standard.

In step S54, the control unit 11 refers to the customer database and determines whether or not the loanable amount calculated in step S53 is higher than the loan limit set for user B so far. If the loanable amount is higher than the loan limit (YES in step S54), the control unit 11 proceeds to step S55, otherwise (NO in step S54), proceeds to step S60.

In step S55, the control unit 11 determines whether or not the loan limit for user B can be automatically increased. Specifically, the control unit 11 refers to the customer database, and determines that it is possible to automatically increase the loan limit when the "automatic increase possibility" is set to "possible", Otherwise, it is determined that it is not possible. If the lending limit can be automatically increased (YES in step S55), the control unit 11 proceeds to step S56, otherwise (NO in step S55), ends the processing of the flowchart of FIG. do.

In step S<b>56 , the control unit 11 increases the credit limit for user B. For example, the control unit 11 may increase the loan limit to the loanable amount calculated in step S53. Alternatively, if the previous lendable amount is lower than the user's desired credit limit and the previous credit limit is lower than the desired credit limit, the creditable amount calculated in step S53 is equal to or greater than the desired credit limit. In some cases, the control unit 11 may increase the loan limit to the desired limit. It should be noted that the server device 10 not only receives a request for the desired limit amount from the user at the time of concluding the loan contract, but also receives a request for the desired limit amount from the user via the user device 20 at an arbitrary timing after the conclusion of the contract. may The control unit 11 updates the lending conditions including interest (for example, the term of repayment, the number of repayments, etc. may be included) as necessary in accordance with the increase in the lending limit. The control unit 11 registers the updated loan conditions such as the loan limit in the user B's customer database.

In step S57, the control unit 11 transmits the updated loan conditions such as the loan limit amount to the user device 20 of the user B by communication to the application, e-mail, SMS, or the like. In response, the user device 20 may display a screen 70 as illustrated in FIG. 9A on the display section of the output section 25 . The process of step S57 can be performed similarly to step S26 of FIG.

After transmitting the updated lending conditions such as the credit limit, the control unit 11 may register that effect in the customer database. Further, the control unit 11 may determine whether or not the user has confirmed the new lending conditions transmitted to the user, and if confirmed, register that effect in the customer database. For example, when the user device 20 displays new loan conditions based on an application or the like, the user device 20 notifies the server device 10 of this via the application, and when the server device 10 receives such a notification, the new loan conditions are displayed. It may be determined that such loan conditions have been confirmed by the user. Alternatively, server device 10 transmits to user device 20 an e-mail containing a URL to a web page displaying the new loan terms, and server device 10 sends a new e-mail when the web page is accessed. It may be determined that the loan terms have been confirmed by the user.

In step S<b>58 , the control unit 11 determines whether or not it has received a request from the user device 20 of the user B to correct the lending conditions such as the lending limit to the conditions before the increase.
If a correction request has been received from the user device 20 (YES in step S58), the control unit 11 proceeds to step S59; otherwise (NO in step S58), the processing of the flowchart of FIG. 11 ends.

In step S59, the control unit 11 corrects the credit limit of user B by reducing it to the credit limit before correction in step S56. In step S56, if the loan conditions including interest other than the loan limit amount (for example, the term of repayment and the number of repayments may be included) have been updated, the control unit 11 updates these loans in the customer database. The conditions are also restored to the previous conditions. Note that even if the lending conditions other than the lending limit of the user B are updated in step S56, the control unit 11 may not restore the lending conditions other than the lending limit to the previous conditions. Then, the control unit 11 ends the processing of the flowchart of FIG. 11 .

In step S60, the control unit 11 refers to the customer database and determines whether or not the loanable amount calculated in step S53 is lower than the loan limit set for user B so far. If the loanable amount is lower than the loan limit (YES in step S60), the control unit 11 proceeds to step S61, otherwise (NO in step S60), proceeds to step S63.

In step S<b>61 , the control unit 11 reduces the credit limit for user B. For example, the control unit 11 may reduce the loan limit to the loanable amount calculated in step S53. The control unit 11 updates the lending conditions including interest (for example, the term of repayment, the number of repayments, etc. may be included), as necessary, according to the reduction of the lending limit. The control unit 11 registers the updated loan conditions such as the loan limit in the user B's customer database. If the control unit 11 determines to stop lending to the user B in step S53, it registers the suspension of lending to the user B's customer database. Note that the control unit 11 may leave lending conditions other than the lending limit unchanged even if the lending limit is reduced.

In step S62, the control unit 11 notifies the updated lending conditions such as the lending limit, or if the lending has been suspended, to that effect by communication to the application, e-mail, SMS, or the like. Send to device 20 . In response, the user device 20 may display a screen 70 as illustrated in FIG. 9B or 9C on the display section of the output section 25 . The process of step S62 can be performed similarly to step S26 of FIG. Then, the control unit 11 ends the processing of the flowchart of FIG. 11 .

In step S<b>63 , the control unit 11 notifies the user device 20 of the user B that the lending conditions such as the lending limit have not changed by communication to the application, e-mail, SMS, or the like. Then, the control unit 11 ends the processing of the flowchart of FIG. 11 .

As described above, the server device 10 calculates the loanable amount based on the user's credit information, and if the calculated loanable amount is higher than the user's loan limit set in the customer database, the user's loan It is determined that the limit can be increased. When it is determined that the user's credit limit can be increased, the server device 10 increases the user's credit limit to the creditable amount calculated for the user. In this way, when the loanable amount is higher than the loan limit, the loan limit is automatically increased to the maximum loanable amount. , you will be able to borrow up to the amount according to your repayment ability. That is, according to the server device 10, it is possible to respond more quickly to the user's potential borrowing demand. In addition, when the previous available loan amount is lower than the user's desired limit amount as a result of the previous available loan amount being lower than the user's desired limit amount, the server device 10 sets the newly calculated available loan amount to the desired limit amount. When it becomes more than the above, you may increase the loan limit to the desired limit. By doing so, the user can borrow up to the desired amount according to the improvement of the repayment ability of the user without reporting to the financial institution A by himself/herself. .

In addition, the server device 10 receives from the user via the user device 20 a declaration or a request as to whether or not to automatically increase the loan limit amount. The server device 10 may receive such a report or request, for example, in response to an inquiry when concluding a contract for a money lending service, or at any timing desired by the user. If the user does not report that the loan limit will not be automatically increased, and the server device 10 determines that the user's loan limit can be increased, the server device 10 receives the loan limit from the user. The user's credit limit is increased regardless of whether an instruction to increase the amount has been given or not. For example, only when the user declares that the credit limit will be automatically increased, the server device 10 responds to the determination that the user's credit limit can be increased. The credit limit may be automatically increased. Alternatively, the server device 10 not only when the user reports that the loan limit will be automatically increased, but also when the user does not report whether or not to automatically increase the loan limit, The credit limit may be automatically increased. In this way, the server device 10 changes whether or not to automatically increase the loan limit in response to a report or request from the user, so it is possible to meet the user's request regarding automatic increase. is. Further, the server device 10 may be configured so that the information of the customer database including the “possibility of automatic increase” can be browsed according to the access from the employee terminal 30 . Accordingly, an employee of the financial institution A can operate the employee terminal 30 to confirm information including "whether automatic increase is possible" for each user.

It should be noted that, as illustrated with reference to FIG. 9A, other lending terms, such as interest rate reduction, may be changed along with the increase in the lending limit. Although some users basically do not want the loan limit to be automatically increased, there may be users who want the loan limit to be increased depending on other loan conditions such as interest. Therefore, the server device 10 determines that it is possible to increase the loan limit for a user for whom "Automatic increase allowed" is set to "No", and if the loan limit is increased, other loan conditions will be applied. is changed, the change may be notified to the user via the user device 20 . Thereby, the user can know that it is possible to borrow according to his or her wishes by changing the setting of "automatic increase possibility".

In addition, the server device 10 may decide to reduce the user's loan limit when the loanable amount calculated for the user is lower than the user's loan limit set in the customer database. The server device 10 may reduce the user's loan limit set in the customer database when the user's loan limit is determined to be reduced. In this way, when the loanable amount is lower than the loan limit, the server device 10 automatically reduces the loan limit to the maximum loanable amount. It is possible to adjust.

The disclosure is not limited to the embodiments described above. For example, multiple blocks shown in the block diagrams may be combined, or a single block may be divided. Instead of being performed in chronological order according to the description, multiple steps described in the flowcharts may be performed in parallel or in a different order depending on the processing power of the device performing each step or as required. . Other modifications are possible without departing from the scope of the present disclosure.

Also, for example, the configuration and operation of the server apparatus 10 may be distributed among a plurality of computers and network storages that can communicate with each other. Further, for example, some or all of the components of the employee terminal 30 and the credit institution device 40 may be provided in the server device 10 or the like.

1 management system 10 server device 11 control unit 12 storage unit 13 communication unit 20 user device 21 control unit 22 storage unit 23 communication unit 24 input unit 25 output unit 30 employee terminal 31 control unit 32 storage unit 33 communication unit 34 input unit 35 output Unit 40 Credit institution device 41 Control unit 42 Storage unit 43 Communication unit 70 Screen 71 to 73 Image

Claims (11)

An information processing method for an information processing device comprising a control unit,
The control unit
Receiving an instruction and change from the user as to whether or not to automatically increase the loan limit, which is the loan limit for the user;
Determining whether the credit limit set in a database for the user can be increased based on credit information about the user's repayment ability;
In the case where the user has not given an instruction not to automatically increase the loan limit, and when it is determined that the user's loan limit can be increased, the user will provide the loan increasing the user's credit limit as set in the database, regardless of whether an instruction to increase the limit has been given;
A method of processing information, comprising: The control unit
Based on the credit information of the user, a loanable amount that is the upper limit of the loan limit that can be set for the user is calculated, and the calculated loanable amount is the amount of the user set in the database. If it is higher than the credit limit, determine that the user's credit limit can be increased;
if it is determined that the user's loan limit can be increased, increasing the user's loan limit to the loanable amount calculated for the user;
The information processing method according to claim 1 . The control unit
determining a reduction in the user's credit limit if the calculated available credit amount for the user is lower than the user's credit limit set in the database;
reducing the credit limit for the user set in the database if it is determined to reduce the credit limit for the user;
The information processing method according to claim 2, further comprising: When the control unit increases the credit limit of the user in response to the determination that the credit limit of the user can be increased, it is determined that the credit limit of the user has been increased. 2. The information processing method of claim 1, further comprising notifying said user. 5. The control unit according to claim 4, further notifying the user of the updated loan conditions when the loan conditions including interest are updated due to the increase in the loan limit of the user. Information processing methods. Further comprising, when the control unit requests reduction of the loan limit from the user who notified that the loan limit has been increased, reducing the loan limit of the user to the amount before the increase. 5. The information processing method according to claim 4. The control unit
calculating a credit score indicating the creditworthiness of the repayment ability of the user based on the credit information at regular intervals;
Determining whether the user's credit limit can be increased based on the calculated credit score;
The information processing method according to claim 1 . The control unit
calculating a credit score indicating the creditworthiness of the repayment ability of the user based on the credit information in response to the user reporting a change in financial resources;
Determining whether the user's credit limit can be increased based on the calculated credit score;
The information processing method according to claim 1 . Receiving an instruction and change from the user as to whether or not to automatically increase the loan limit, which is the limit of the loan for the user,
Determining whether the credit limit set in the database for the user can be increased based on credit information about the user's repayment ability,
In the case where the user has not given an instruction not to automatically increase the loan limit, and when it is determined that the user's loan limit can be increased, the user will provide the loan increasing the user's credit limit set in the database regardless of whether an instruction to increase the limit has been given;
An information processing device comprising a control unit. An information processing system comprising a terminal device used by a user and an information processing device capable of communicating with the terminal device,
The information processing device is
From the terminal device, receiving an instruction and change as to whether or not to automatically increase the loan limit, which is the limit of the loan to the user,
Determining whether the credit limit set in the database for the user can be increased based on credit information about the user's repayment ability,
In the case where the user has not given an instruction not to automatically increase the loan limit, and when it is determined that the user's loan limit can be increased, the user will provide the loan increasing the credit limit for the user set in the database, regardless of whether an instruction to increase the limit has been given;
When the user's credit limit is increased, notifying the terminal device that the user's credit limit has been increased;
An information processing system comprising a control unit. to the computer,
Receiving an instruction and change from the user as to whether or not to automatically increase the loan limit, which is the loan limit for the user;
Determining whether the credit limit set in a database for the user can be increased based on credit information about the user's repayment ability;
In the case where the user has not given an instruction not to automatically increase the loan limit, and when it is determined that the user's loan limit can be increased, the user will provide the loan increasing the user's credit limit as set in the database, regardless of whether an instruction to increase the limit has been given;
A program that causes an action to be performed, including

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