JP7381521B2 - Programs, systems and methods - Google Patents

Description

TECHNICAL FIELD This disclosure relates to programs, systems, and methods.

2. Description of the Related Art Systems that perform credit screening based on user information are known.

Patent Document 1 discloses a technology regarding a system that distributes information related to credit transactions to users.

JP 2019-197257 Publication

In the technology of Patent Document 1, in credit transactions for each user, creditworthiness and demand are estimated, users are classified based on the estimated creditworthiness and demand, and user terminals used by users belonging to each classified user class are classified. On the other hand, a technique is described for distributing information related to credit transactions using a distributing method suitable for each of the user groups. However, the technology of Patent Document 1 only estimates the user's creditworthiness based on the terminal used by the user and the history of the application installed on the terminal. If you do so, you may not be able to accurately rate your credit rating.

Therefore, the present disclosure describes a technology that enables accurate credit rating of a user based on the user's financial condition, usage history of the accounting system, etc. in a system for performing credit screening of the user.

According to an embodiment of the present disclosure, there is provided a program executed by a computer including a processor and a storage unit, the program is for providing an accounting system to a user, and the program is configured to provide an accounting system to a user. Accounting data related to the business of is registered in advance, and the program instructs the processor to extract the financial status of the user based on the accounting data, the step of extracting the user's usage history in the accounting system, and the step of extracting the user's usage history in the accounting system. A program is provided that executes the step of rating a user's credit rating based on the user's financial condition and the user's usage history in an accounting system.

According to an embodiment of the present disclosure, the accounting system is an accounting system in which accounting data related to a user's business is registered in advance in a storage unit of a computer constituting the accounting system, and the financial status of the user is calculated based on the accounting data. a means for extracting a user's usage history in the accounting system; a means for performing a credit rating of the user based on the extracted financial condition of the user and the user's usage history in the accounting system; A system is provided comprising:

Further, according to an embodiment of the present disclosure, there is provided a method executed by a computer comprising a processor and a storage unit, the method is for providing an accounting system to a user, and the method includes: , accounting data related to the user's business is registered in advance, and the method includes the steps of a processor extracting the user's financial status based on the accounting data, and extracting the user's usage history in the accounting system. A method is provided for performing the step of performing a credit rating of a user based on the user's extracted financial condition and the user's usage history in an accounting system.

According to the present disclosure, by reflecting the latest financial condition of the user and usage status of the accounting system, it is possible to accurately rate the user's credit rating.

1 is a diagram showing the overall configuration of a credit rating system 1. FIG. 1 is a block diagram showing a functional configuration of a terminal device 10 that constitutes a credit rating system 1 according to a first embodiment. FIG. 2 is a diagram showing a functional configuration of a server 20 that constitutes the credit rating system 1 according to the first embodiment. FIG. 3 is a diagram showing an example of the data structure of a user information database 2021 and an accounting information database 2022 stored in the server 20. FIG. 2 is a flowchart illustrating an example of a flow of processing for credit rating by the credit rating system 1 of the first embodiment. 2 is a diagram illustrating an example of a screen when a user presents a credit rating result to a financial institution with which the user cooperates on the terminal device 10. FIG. 5 is a diagram illustrating an example of a screen when presenting a credit rating result to a user on the terminal device 10. FIG.

Embodiments of the present disclosure will be described below with reference to the drawings. In the following description, the same parts are given the same reference numerals. Their names and functions are also the same. Therefore, detailed description thereof will not be repeated.

<Summary>
The credit rating system according to the present disclosure will be explained below. This credit rating system is a system for providing users with a service for performing credit ratings online. BACKGROUND OF THE INVENTION Recently, financial institutions and other companies are operating systems that automatically perform credit screening to some extent based on the applicant's attributes, etc., when applying for various loans or loans, when applying for a credit card, etc.
However, in conventional systems, particularly those providing loans for business purposes, credit ratings are performed based on annual financial statements submitted by businesses and qualitative information collected manually. Therefore, the latest business conditions and soft characteristics of businesses are only partially considered as qualitative information.The purpose of this disclosure is to provide an accounting system that reflects the latest financial conditions and characteristics of businesses. The objective is to provide a system that performs credit rating using usage history.

Therefore, in the credit rating system 1 according to the present disclosure, the program is executed by a computer including a processor and a storage unit, and the program is for providing an accounting system to the user. Accounting data related to the user's business is registered in advance, and the program causes the processor to perform two steps: extracting the user's financial status based on the accounting data, and extracting the user's usage history in the accounting system. The present invention provides a program that executes a step of performing a credit rating of a user based on the user's extracted financial condition and the user's usage history in the accounting system.

<First embodiment>
The credit rating system 1 will be explained below. In the following description, for example, when the terminal device 10 accesses the server 20, the server 20 responds with information for generating a screen on the terminal device 10. The terminal device 10 generates and displays a screen based on the information received from the server 20.

<1 Overall structure of credit rating system 1>
FIG. 1 is a diagram showing the overall configuration of a credit rating system 1. As shown in FIG. As shown in FIG. 1, the credit rating system 1 includes a plurality of terminal devices (in FIG. 1, a terminal device 10A and a terminal device 10B are shown. Hereinafter, they may be collectively referred to as "terminal devices 10"). , server 20. The terminal device 10 and the server 20 are connected via a network 80 so that they can communicate with each other. The network 80 is configured by a wired or wireless network.

The terminal device 10 is a device operated by each user. Here, the user is a person who performs credit rating, which is a function of the credit rating system 1, using the terminal device 10, and refers to a person who is eligible to receive a loan from a financial institution, such as a business manager. The terminal device 10 is realized by a stationary PC (Personal Computer), a laptop PC, or the like. In addition, the terminal device 10 may be, for example, a tablet compatible with a mobile communication system or a mobile terminal such as a smartphone.

The terminal device 10 is communicably connected to the server 20 via the network 80. The terminal device 10 is a wireless base station 81 compatible with communication standards such as 4G, 5G, and LTE (Long Term Evolution), and a wireless LAN (Local Area Network) standard such as IEEE (Institute of Electrical and Electronics Engineers) 802.11. It is connected to the network 80 by communicating with a corresponding communication device such as a wireless LAN router 82. As shown as a terminal device 10B in FIG. 1, the terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage section 16, and a processor 19.

The communication IF 12 is an interface for inputting and outputting signals so that the terminal device 10 communicates with an external device. The input device 13 is an input device (for example, a keyboard, a touch panel, a touch pad, a pointing device such as a mouse, etc.) for receiving input operations from a user. The output device 14 is an output device (display, speaker, etc.) for presenting information to the user. The memory 15 is for temporarily storing programs and data processed by the programs, and is a volatile memory such as DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for storing data, and is, for example, a flash memory or an HDD (Hard Disc Drive). The processor 19 is hardware for executing a set of instructions written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, and the like.

The server 20 is a device that manages a series of processes related to credit ratings. The server 20 receives various types of data for credit rating of the user from the user, and performs processing for executing the user's credit rating. The server 20 extracts the user's financial situation based on the user's accounting data held in the storage unit. The server 20 performs a credit rating of the user based on the financial situation and the usage history of accounting data. The server 20 transmits the results to the user and the cooperating financial institution.

Server 20 is a computer connected to network 80. The server 20 includes a communication IF 22 , an input/output IF 23 , a memory 25 , a storage 26 , and a processor 29 .

The communication IF 22 is an interface for inputting and outputting signals so that the server 20 communicates with external devices. The input/output IF 23 functions as an interface with an input device for receiving input operations from a user and an output device for presenting information to the user. The memory 25 is for temporarily storing programs and data processed by the programs, and is a volatile memory such as DRAM (Dynamic Random Access Memory). The storage 26 is a storage device for storing data, and is, for example, a flash memory or an HDD (Hard Disc Drive). The processor 29 is hardware for executing a set of instructions written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, and the like.

<1.1 Configuration of terminal device 10>
FIG. 2 is a block diagram showing the functional configuration of the terminal device 10 that constitutes the credit rating system 1 of the first embodiment. As shown in FIG. 2, the terminal device 10 includes a plurality of antennas (an antenna 111, an antenna 112), a wireless communication section (a first wireless communication section 121, a second wireless communication section 122) corresponding to each antenna, and an operation It includes a reception section 130 (including a keyboard 1301 and a mouse 1302), an audio processing section 140, a microphone 141, a speaker 142, a display 150, a storage section 170, and a control section 180. The terminal device 10 also has functions and configurations that are not particularly illustrated in FIG. 2 (for example, a battery for holding power, a power supply circuit that controls the supply of power from the battery to each circuit, etc.). As shown in FIG. 2, each block included in the terminal device 10 is electrically connected by a bus or the like.

The antenna 111 radiates a signal emitted by the terminal device 10 as a radio wave. Further, the antenna 111 receives radio waves from space and provides a received signal to the first wireless communication unit 121.

The antenna 112 radiates a signal emitted by the terminal device 10 as a radio wave. Further, the antenna 112 receives radio waves from space and provides a received signal to the second wireless communication unit 122.

The first wireless communication unit 121 performs modulation and demodulation processing for transmitting and receiving signals via the antenna 111 so that the terminal device 10 communicates with other wireless devices. The second wireless communication unit 122 performs modulation and demodulation processing for transmitting and receiving signals via the antenna 112 so that the terminal device 10 communicates with other wireless devices. The first wireless communication unit 121 and the second wireless communication unit 122 are communication modules including a tuner, an RSSI (Received Signal Strength Indicator) calculation circuit, a CRC (Cyclic Redundancy Check) calculation circuit, a high frequency circuit, and the like. The first wireless communication unit 121 and the second wireless communication unit 122 perform modulation/demodulation and frequency conversion of wireless signals transmitted and received by the terminal device 10 and provide received signals to the control unit 180.

The operation reception unit 130 has a mechanism for accepting user input operations. Specifically, the operation reception unit 130 includes a keyboard 1301 and a mouse 1302. Note that the operation reception unit 130 may be configured as a touch screen that detects the position of the user's touch on the touch panel by using, for example, a capacitive touch panel.

The keyboard 1301 receives input operations from the user of the terminal device 10 . The keyboard 1301 is a device for inputting characters, and outputs input character information to the control unit 180 as an input signal.

The mouse 1302 receives input operations from the user of the terminal device 10 . The mouse 1302 is a pointing device for selecting an object displayed on the display 150, and uses information about a selected position on the screen and information indicating that a button is pressed as input signals to the control unit. Output to 180.

The audio processing unit 140 modulates and demodulates the audio signal. The audio processing unit 140 modulates the signal provided from the microphone 141 and provides the modulated signal to the control unit 180. The audio processing unit 140 also provides an audio signal to the speaker 142. The audio processing unit 140 is realized, for example, by a processor for audio processing. The microphone 141 receives a voice input and provides a voice signal corresponding to the voice input to the voice processing unit 140 . The speaker 142 converts the audio signal provided from the audio processing unit 140 into audio and outputs the audio to the outside of the terminal device 10 .

The display 150 displays data such as images, videos, and text under the control of the control unit 180. The display 132 is realized by, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display.

The storage unit 170 is configured of, for example, a flash memory, and stores data and programs used by the terminal device 10. In one aspect, the storage unit 170 stores user information 1701 and My Number information 1702.

The user information 1701 is information about a user who uses the terminal device 10 to perform credit rating, which is a function of the credit rating system 1. The user information includes information for identifying the user (user ID), the user's name, the user's age, the user's gender, and the name of the company or corporation to which the user belongs.

The control unit 180 controls the operation of the terminal device 10 by reading a program stored in the storage unit 170 and executing instructions included in the program. The control unit 180 is, for example, an application installed in the terminal device 10 in advance. The control unit 180 functions as an input operation reception unit 1801, a transmission/reception unit 1802, a data processing unit 1803, and a notification control unit 1804 by operating according to a program.

The input operation reception unit 1801 performs a process of accepting a user's input operation on an input device such as the keyboard 1301.

The transmitting/receiving unit 1802 performs processing for the terminal device 10 to transmit and receive data with an external device such as the server 20 according to a communication protocol.

The data processing unit 1803 performs calculations on the data input by the terminal device 10 according to a program, and outputs the calculation results to a memory or the like.

The notification control unit 1804 performs a process of presenting information to the user. The notification control unit 1804 performs processes such as displaying a display image on the display 150 and outputting audio to the speaker 142.

<1.2 Functional configuration of server 20>
FIG. 3 is a diagram showing the functional configuration of the server 20 that constitutes the credit rating system 1 of the first embodiment. As shown in FIG. 3, the server 20 functions as a communication section 201, a storage section 202, and a control section 203.

The communication unit 201 performs processing for the server 20 to communicate with external devices.

The storage unit 202 stores data and programs used by the server 20. The storage unit 202 stores a user information database 2021, an accounting information database 2022, a credit model database, and the like.

The user information database 2021 is a database for holding various information regarding users who perform credit ratings in the credit rating system 1. Details will be described later.

The accounting information database 2022 is used in the credit rating system 1 to hold, for each user, various information related to accounting data registered in advance in the storage unit 202 or various information related to the usage history of the user using the accounting system. database. Details will be described later.
In one aspect, the server 20 may acquire information necessary for credit rating from software, applications, programs, etc. that provide associated accounting services, and may hold the information in the accounting information database 2022. At this time, the software, applications, programs, etc. that cooperate may be provided in an external system different from the system 1, or may be provided within the system 1.

The credit model database 2023 is a database for holding a credit model that is a learned model that is referred to when credit rating a user in the credit rating system 1 . Here, a method for learning the credit model will be explained. The server 20 uses information linking the user's financial status as an explanatory variable with a healthy/unsound status (information indicating whether or not a loan can be granted), and uses the usage history of the accounting system as an explanatory variable. The model is made to learn information that links the information (information indicating whether or not a loan is available) as learning data. Based on the learned information, when the financial status received from the user and the usage history of the accounting system are input, the credit model determines whether the user's financial status is healthy or not and changes in the user's financial status. is below a predetermined threshold, etc., and outputs information indicating whether or not a loan is available to the user as an objective variable, thereby performing credit/examination of the user and executing credit rating.
Machine learning for generating the credit model database 2023 may be performed in the credit rating system 1 or in another system. If machine learning is performed in another system, credit rating system 1 may acquire the trained model from that system, perform further machine learning in credit rating system 1, and perform aggregation processing to merge the learning results. It's okay. Such machine learning may be performed by supervised machine learning using predetermined training data, or may be performed by deep learning.
This allows the user to accurately rate his or her credit rating by inputting the latest financial status and usage history of the accounting system.

The control unit 203 has various modules such as a reception control module 2031, a transmission control module 2032, a user information acquisition module 2033, an accounting information acquisition module 2034, a financial status extraction module 2035, and a utilization module by the processor of the server 20 performing processing according to a program. It exhibits the functions shown in a history extraction module 2036, a credit rating execution module 2037, and a credit model reference module 2038.

The reception control module 2031 controls the process by which the server 20 receives signals from an external device according to a communication protocol.

The transmission control module 2032 controls the process by which the server 20 transmits a signal to an external device according to a communication protocol.

The user information acquisition module 2033 controls the process of acquiring various types of user-related information from users who use the credit rating system 1. Various information regarding the user includes the user's name, age, gender, company name/corporate name of the company to which the user belongs, name of the financial institution that the user is requesting a loan from and that collaborates with this credit rating system 1, Contains information such as the user's credit score at a given time. The user information acquisition module 2033 stores the acquired information regarding the user in the user information database 2021.

The accounting information acquisition module 2034 controls the process of acquiring, from the user using the credit rating system 1, information regarding the user's accounting data held in the accounting system, information regarding the user's history of using the accounting system, and the like. The accounting information acquisition module 2034 stores the acquired information regarding the user's accounting data and the like in the accounting information database 2022.
In one aspect, when acquiring various types of user information, the accounting information acquisition module 2034 may acquire information previously held in the storage unit by a linked service or the like, rather than from an external server.

The financial status extraction module 2035 controls the process of extracting the financial status of a user who uses the credit rating system 1. Specifically, the financial status extraction module 2035 refers to the accounting information database 2022 and refers to the user's accounting data. Thereafter, the financial status extraction module 2035 extracts the user's financial status from the referenced accounting data. For example, the financial status extraction module 2035 extracts and aggregates information such as the user's history of deposits and withdrawals from the accounting information database 2022, and extracts information indicating the financial status. The financial status extraction module 2035 may temporarily hold the extracted information in the storage unit.

The usage history extraction module 2036 controls the process of extracting the usage history of the accounting system by the user who uses the credit rating system 1. Specifically, the usage history extraction module 2036 refers to the accounting information database 2022 and extracts information related to the usage history of the system from among the information held in the accounting information database. The usage history extraction module 2035 may temporarily hold the extracted information in the storage unit.

The credit rating execution module 2037 controls the process of executing credit ratings of users who use the credit rating system 1. Specifically, the credit rating execution module 2037 calculates the user's financial status from the user's financial status extracted by the financial status extraction module 2035 and the usage history of the user's accounting system extracted by the usage history extraction module 2036. Executes the process of grading. For example, the credit rating execution module 2037 determines whether the user's financial condition is sound from the extracted financial condition, and then determines whether the user is performing accounting processing without defects from the extracted accounting system usage history. Determine. For example, the credit rating execution module 2037 specifies a predetermined score for the user based on each determined result. Specifically, the predetermined score is a numerical value of the user's credit, and may also be a numerical value of individual factors such as the user's financial condition and usage history of the accounting system. It may be a total score calculated from a comprehensive value. The credit rating execution module 2037 may also rank whether the user's financial condition is sound or whether the user is performing accounting procedures without defects, and may also be displayed as "A", "B", etc. It may be displayed as "healthy", "defective", etc., and the mode of display is not limited.

The credit model reference module 2038 controls the process of referring to the credit model database 2023 when executing the credit rating of the user using the credit rating system 1 . Specifically, when the server 20 performs a credit rating based on the extracted various information in the credit rating execution module 2037, the server 20 refers to the credit model database 2023 and executes the credit rating. For example, the credit model reference module 2038 may refer to the credit model database 2023 using the extracted financial status of the user and the user's usage history in the accounting system as input information, and may output the user's credit score as output information. .
Thereby, the server 20 can perform a user's credit rating more accurately.

<2 Data structure>
FIG. 4 is a diagram showing an example of the data structure of the user information database 2021 and accounting information database 2022 stored by the server 20.

As shown in FIG. 4, each record in the user information database 2021 includes the item "user ID", the item "name", the item "age", the item "gender", and the item "company name/corporate name". , including the item "collaboration partner", the item "score", the item "remarks", etc.

The item "user ID" is information managed by the credit rating system 1 that identifies each user who is the target of credit rating.

The item “name” is information managed by the credit rating system 1 that indicates the name of the user who is the target of credit rating.

The item "age" is information managed by the credit rating system 1 that indicates the age of the user who is the target of credit rating.

The item “gender” is information managed by the credit rating system 1 that indicates the gender of the user who is the target of credit rating.

The item "company name/corporate name" is information that is managed by the credit rating system 1 and indicates the company name/corporate name of a company or the like to which the user who is the target of credit rating belongs. This item is not limited to limited liability companies, stock companies, etc., but may also be incorporated associations, foundations, organizations, NGOs, NPOs, etc.

The item "collaboration partner" is information managed by the credit rating system 1 that indicates a financial institution designated as a collaboration partner by the user who is the target of credit rating. Specifically, the item indicates the name of the financial institution from which the user receives a loan, etc. Furthermore, the number of financial institutions to cooperate with is not limited to one.
accounting etc.

The item "score" is information that is managed by the credit rating system 1 and indicates the result of credit rating of the user who is the target of credit rating.

The item "remarks" is information that is managed by the credit rating system 1 and is held when there are special notes regarding the user who is the target of credit rating.

As shown in FIG. 4, each record in the accounting information database 2022 includes an item "user ID", an item "item", an item "classification", an item "details", an item "remarks", and the like.

The item "user ID" is information managed by the credit rating system 1 that identifies each user who is the target of credit rating.

The item "item" is information that is managed by the credit rating system 1 and shows an overview of various data of the accounting system used by users who are subject to credit rating.

The item "classification" is information indicating the classification of each item in the accounting system managed by the credit rating system 1 and used by users who are subject to credit rating. Specifically, it indicates whether each item relates to the user's deposits and withdrawals or the usage history of the system.

The item "details" is information showing the details of each item in the accounting system managed by the credit rating system 1 and used by users who are subject to credit rating. Specifically, if the information is about deposits and withdrawals, it will show information such as the date of withdrawal, amount, and destination of the money, and if it is information about the usage history of the system, it will show information such as the number of bills issued. The server 20 extracts the user's financial status and system usage history from this information, and performs a credit rating of the user.

The item "remarks" is information that is held when there are special notes in the information of the accounting system used by users who are subject to credit rating, which is managed by the credit rating system 1.

<3 Operation>
Hereinafter, a series of processing by the credit rating system 1 in the first embodiment will be described with reference to FIG. 5.

FIG. 5 is a flowchart illustrating an example of the flow of processing for credit rating by the credit rating system 1 of the first embodiment.

As preprocessing for step S551, in step S550, the control unit 203 of the server 20 registers accounting data related to the user's business in the storage unit 202 in advance. At this time, the server 20 may acquire information necessary for credit rating from software, applications, programs, etc. that provide linked accounting services, and may hold the information in the accounting information database 2022. At this time, the software, applications, programs, etc. that cooperate may be provided in an external system different from the system 1, or may be provided within the system 1.

In step S551, the control unit 203 of the server 20 extracts the user's financial status based on the accounting data held in the storage unit 202. Specifically, the financial status extraction module 2035 configuring the control unit 203 of the server 20 refers to the accounting information database 2022 held in the storage unit 202 and extracts information regarding the user's deposits and withdrawals from the database. The financial status extraction module 2035 may temporarily hold the extracted financial status of the user in the storage unit 202.

In step S552, the control unit 203 of the server 20 extracts the user's usage history of the accounting system based on the accounting data held in the storage unit 202. Specifically, the usage history extraction module 2036 configuring the control unit 203 of the server 20 refers to the accounting information database 2022 held in the storage unit 202 and retrieves information regarding the user's usage history of the accounting system in the database. Extract. The usage history of the accounting system includes, for example, the following:
・Rate of unregistered details ・Number of invoices issued ・Number of report views ・Supplier input rate for specific transactions ・Latest monthly trends in financial indicators ・Annual sales/accounts receivable/accounts payable per supplier ・Pseudo default record ・Receipts and withdrawals details Past balance trends

The unregistered details rate indicates, for example, the percentage of deposit/withdrawal details obtained from a server provided by an external financial institution through API cooperation or the like that are not registered as transaction information in the accounting system.

The number of bills issued indicates, for example, the number of bills issued using a bill issuing function provided in the accounting system. At this time, the number of invoices to be issued may be the number of bills for a predetermined period designated by the user, or the number of bills for a period predetermined by the accounting system.

The number of times the report has been viewed indicates, for example, the number of times the user has viewed reports such as monthly trends and profit and loss reports in the accounting system. At this time, the number of times the report has been viewed may be the number of times the report has been viewed in a predetermined period specified by the user, or the number of times the report has been viewed in a period predetermined by the accounting system.

The customer input rate for specific transactions indicates the customer input rate for transactions related to specific account items, such as short-term loans.

The most recent monthly trend of the financial index indicates, for example, a statistic related to the trend of the financial index in a predetermined period, such as the cash/deposit ratio.

The annual sales/accounts receivable per business partner indicates, for example, the annual sales for each business partner of the user, the respective values of accounts receivable and accounts payable, or the difference between accounts receivable and accounts payable in a predetermined period.

The pseudo-default record indicates, for example, whether the user has fallen into a pseudo-default (default) state during a predetermined period.

The past balance change in the deposit/withdrawal details indicates the change in the fund balance in the user's account during a predetermined period, for example, in a function of checking the deposit/withdrawal details provided in the accounting system.

The credit rating execution module 2037 that constitutes the control unit 203 of the server 20, which will be described later, uses the extracted financial status of the user and the usage history information exemplified above as explanatory variables, and indicates whether or not a loan can be given to the user as an objective variable. Output information.
The usage history extraction module 2036 may temporarily hold the extracted user's usage history of the accounting system in the storage unit 202. Further, the usage history extraction module 2036 may extract the usage history of the user in the accounting system based on accounting data different from the financial statements of the business.

In step S553, the control unit 203 of the server 20 performs a credit rating of the user based on the extracted user's financial condition and usage history in the accounting system. Specifically, the credit rating execution module 2037 configuring the control unit 203 of the server 20 refers to the user's financial condition extracted in step S551 and the user's usage history of the accounting system extracted in step S552, Perform credit ratings of users. For example, the credit rating execution module 2037 determines whether the user's financial condition is healthy or not based on the extracted user's financial condition. Next, the credit rating execution module 2037 determines whether the user is appropriately performing accounting processing based on the user's extracted usage history of the accounting system. The credit rating execution module 2037 performs a credit rating of the user based on these determination results, and assigns a predetermined credit score to the user.
In certain aspects, when performing the credit rating, the server 20 may refer to the credit model database 2023 to perform the credit rating of the user. Specifically, the credit model reference module 2038 that constitutes the control unit 203 of the server 20 refers to the credit model database 2023, and based on the user's financial condition, the user's usage history in the accounting system, and the credit model, A user's credit rating may be performed by screening and crediting the user. The server 20 stores the results of the credit rating in the user information database 2021.

In one aspect, the control unit 203 of the server 20 may calculate a predetermined score representing the user's credit rating based on the credit rating. Thereby, the user can grasp the result of the credit rating as a score. Examples of credit ratings include negative factors regarding the user's financial condition, and positive factors such as a score based on the difference between accounts receivable and payable in the most recent predetermined period, a score based on the balance amount in the past predetermined period, Calculate etc. Then, it is determined whether the calculated score is a negative factor or a positive factor, and a total score is calculated from each score, which may be used for credit rating. At this time, a total score may be calculated by applying a predetermined weight to the scores of each factor.

In step S501, the control unit 180 of the terminal device 10 receives an operation to obtain the credit rating result from the user.

In step S554, the control unit 203 of the server 20 transmits the credit rating result to the terminal device. At this time, the server 20 may transmit the results to both the user who uses the credit rating system 1 and the system of the financial institution that cooperates with the accounting system used by the user. At this time, the system of the financial institution to be linked may be specified by the user.
In one aspect, the server 20 may transmit the credit rating result to the terminal device 10 without accepting an operation to obtain the credit rating result from the terminal device 10. Further, at this time, if the results are to be transmitted without accepting any operation from the terminal device 10, some of the information to be transmitted may be omitted and transmitted.
Thereby, the user can promptly share the results of the credit rating with the financial institution, and can smoothly obtain a loan.

Further, in a certain aspect, the control unit 203 of the server 20 calculates the default probability of the user based on the credit rating score, and creates a result illustrating the default probability based on the calculated default probability. . The control unit 203 may present the illustrated results to the user or the user using the financial institution's system. At this time, the control unit 203 may present the user or the user using the financial institution's system with a list of variables used to calculate the default probability together with the illustrated results.
This allows users who use the financial institution's system to visually understand the default rate of the user. Further, when the calculated default probability of the user exceeds a predetermined threshold, the control unit 203 may display to the user the reason why the probability exceeds the predetermined threshold. Thereby, the user can grasp points for improvement in his/her own financial measures.

In step S502, the control unit 180 of the terminal device 10 presents the result of the credit rating to the user.

<4 Screen example>
Hereinafter, examples of screens for user credit rating processing by the credit rating system 1 will be described with reference to FIGS. 6 and 7.

FIG. 6 is a diagram illustrating an example of a screen displayed on the terminal device 10 to display the results of the user's credit rating to a cooperating financial institution.

As shown in FIG. 6, the display 150 of the terminal device 10 displays a result display section 601 and a detail display section 602. In the result display section 601, the control section 180 of the terminal device 10 displays the result of the user's credit rating in the credit rating system. Specifically, the control unit 180 displays the following on the result display unit 601 as the result of the user's credit rating.
・Target of credit rating ・Implementation date of credit rating ・User's credit score ・Graph illustrating user's default rate

In the details display section 602, the control section 180 of the terminal device 10 displays the score calculation criteria, the recommended upper limit of the loan amount, etc. in the user's credit rating. Thereby, the cooperating financial institution can safely provide a loan to the user by referring to the information.

FIG. 7 is a diagram illustrating an example of a screen displayed on the terminal device 10 to display the credit rating result to the user.

As shown in FIG. 7, a result display section 701 is displayed on the display 150 of the terminal device 10. Further, the result display section 701 is provided with a loan application button 702. The control unit 180 of the terminal device 10 displays the result of the user's credit rating in the credit rating system, similar to the result display unit 601 in FIG. 6 . For example, in FIG. 7, the control unit 180 displays the following as the result of the credit rating.
・Targets for credit rating ・Implementation date of credit rating ・Determination results of the user's financial situation ・Available loan amount and its breakdown By checking this screen, the user can check the loan amount that he or she can receive. , and the financial institutions that can provide financing.
When the loan application button 702 receives an operation from the user to press the button, it displays a screen for the user to apply for a loan to the corresponding financial institution.

<Summary>
As described above, according to the present embodiment, the server 20 retains information on the user's accounting data and the usage history of the accounting system in the storage unit, and based on this information, determines the user's financial status and usage history of the accounting system. Extract history. The server 20 performs a credit rating of the user based on the user's extracted financial condition and usage history of the accounting system. The server 20 transmits the results of the credit rating performed to the user and the financial institution specified by the user as a partner. The terminal device 10 presents the received credit rating results to the user and the affiliated financial institution. Thereby, by reflecting the latest financial condition of the user and usage status of the accounting system, it is possible to perform an accurate credit rating for the user. Furthermore, financial institutions can safely provide loans to users.

Although the disclosed embodiments have been described above, they can be implemented in various other forms, and can be implemented with various omissions, substitutions, and changes. These embodiments and modifications, as well as omissions, substitutions, and changes, are included within the technical scope of the claims and their equivalents.

<Additional notes>
The matters described in each of the above embodiments are additionally described below.

(Additional note 1)
A program executed by a computer 20 including a processor 29 and a storage unit 202, the program is for providing an accounting system to a user, and stores accounting information related to the user's business in the storage unit 202. The data is registered in advance (S550), and the program instructs the processor 29 to extract the user's financial status based on the accounting data (S551), and to extract the user's usage history in the accounting system (S552). ) and a step (S553) of performing a credit rating of the user based on the user's extracted financial condition and the user's usage history in the accounting system.

(Additional note 2)
Addendum 1, where the usage history of the user in the accounting system is at least one of the group consisting of the unregistered statement rate, the number of invoices issued, the number of reports viewed, the customer input rate for specific transactions, and the most recent monthly trends in financial indicators. The program described in.

(Additional note 3)
The program according to appendix 1 or 2, wherein the program extracts a user's usage history in an accounting system based on accounting data different from a business financial statement.

(Additional note 4)
The computer 20 stores in the storage unit 202 a credit model that uses the user's usage history in the accounting system as an explanatory variable, and in the step of credit rating (S553), the program calculates the user's financial status and the user's usage history in the accounting system. 4. The program according to any one of appendices 1 to 3, which performs a credit rating of a user by screening the user and granting credit based on a usage history and a credit model.

(Appendix 5)
The program according to any one of Supplementary Notes 1 to 4, further causes the processor 29 to execute the step of calculating a predetermined score representing the user's credit rating based on the credit rating.

(Appendix 6)
The program according to appendix 5, further causes the processor 29 to execute a step of sharing the calculated predetermined score with a system of a financial institution that cooperates with the accounting system.

(Appendix 7)
The program further instructs the processor 29 to calculate the probability of default of the user based on the score, to create a result illustrating the probability of default based on the calculated probability of default, and to create a result illustrating the probability of default of the user or the financial institution. The program according to appendix 5 causes the program to execute the steps presented to a user who uses the system.

(Appendix 8)
The program according to appendix 7 causes the processor 29 to further execute the step of, when the calculated user default probability exceeds a predetermined threshold, displaying to the user the reason why the probability exceeds the predetermined threshold. .

(Appendix 9)
In the step of creating and presenting a result illustrating the probability of default to the user or the user using the financial institution's system, the program provides the user or the user using the financial institution's system with a result that is used to calculate the probability of default. 8. The program according to appendix 7 or 8, which presents a list of variables determined together with the illustrated results.

(Appendix 10)
In the accounting system, accounting data related to the user's business is registered in advance in the storage unit 202 of the computer 20 constituting the accounting system (S550), and means for extracting the financial status of the user based on the accounting data. (S551); means for extracting the user's usage history in the accounting system (S552); and means for credit rating the user based on the extracted financial condition of the user and the user's usage history in the accounting system. (S553) A system comprising:

(Appendix 11)
A method executed by a computer 20 comprising a processor 29 and a storage unit 202, the method is for providing an accounting system to a user, and storing accounting information related to the user's business in the storage unit 202. The data is registered in advance (S550), and the method includes a step in which the processor 29 extracts the user's financial status based on the accounting data (S551), and a step in which the user's usage history in the accounting system is extracted (S552). ), and a step (S553) of performing a credit rating of the user based on the user's extracted financial condition and the user's usage history in the accounting system.

10 terminal device, 20 server, 80 network, 130 operation reception unit, 170 storage unit, 1701 user information, 180 control unit, 1801 input operation reception unit, 1802 transmission/reception unit, 1803 data processing unit, 1804 notification control unit, 22 communication IF , 23 input/output IF, 25 memory, 26 storage, 29 processor, 201 communication unit, 202 storage unit, 2021 user information database, 2022 accounting information database, 2023 credit model database, 203 control unit, 2031 reception control module, 2032 transmission control Modules, 2033 User information acquisition module, 2034 Accounting information acquisition module, 2035 Financial status extraction module, 2036 Usage history extraction module, 2037 Credit rating execution module, 2038 Credit model reference module.

Claims (8)

A program executed by a computer comprising a processor and a storage unit,
The program is for providing an accounting system to users,
Accounting data related to the user's business is registered in the storage unit in advance,
The program causes the processor to:
extracting the financial status of the user based on the accounting data;
extracting the usage history of the user in the accounting system;
performing a credit rating of the user based on the extracted financial condition of the user and the user's usage history in the accounting system ;
calculating a predetermined score representing the credit rating of the user based on the credit rating;
calculating a default probability for the user based on the score;
creating a graph illustrating the probability of default based on the calculated probability of default, and presenting it to the user or a user using the system of the financial institution;
A program that causes the program to execute the step of, when the calculated default probability of the user exceeds a predetermined threshold, displaying to the user a reason why the probability exceeds the predetermined threshold. The usage history of the user in the accounting system is at least one of the group consisting of the unregistered statement rate, the number of invoices issued, the number of report views, the customer input rate for specific transactions, and the most recent monthly trends in financial indicators. The program according to claim 1. 3. The program according to claim 1, wherein the program extracts the usage history of the user in the accounting system based on accounting data different from a business financial statement. The computer stores in the storage unit a credit model that uses the user's usage history in the accounting system as an explanatory variable;
In the step of performing the credit rating, the program:
4. The method according to claim 1, wherein the credit rating of the user is evaluated by screening and granting credit to the user based on the user's financial condition, the user's usage history in the accounting system, and the credit model. Programs listed in either. The program further causes the processor to:
5. The program according to claim 1 , causing the program to execute a step of sharing the calculated predetermined score with a system of a financial institution that cooperates with the accounting system. In the step of creating a graph illustrating the default probability and presenting it to the user or a user using the financial institution's system, the program:
6. The program according to claim 1, wherein the program presents to the user or a user using a system of a financial institution a list of variables used to calculate the default probability together with the illustrated results. An accounting system,
Accounting data related to the user's business is registered in advance in a storage unit of a computer constituting the accounting system,
means for extracting the financial status of the user based on the accounting data;
means for extracting the usage history of the user in the accounting system;
means for performing a credit rating of the user based on the extracted financial condition of the user and the user's usage history in the accounting system ;
means for calculating a predetermined score representing the credit rating of the user based on the credit rating;
means for calculating a default probability of the user based on the score;
means for creating a graph illustrating the probability of default based on the calculated probability of default and presenting it to the user or a user using the system of the financial institution;
A system comprising: when the calculated default probability of the user exceeds a predetermined threshold, displaying to the user a reason why the probability exceeds the predetermined threshold. A method performed by a computer comprising a processor and a storage unit, the method comprising:
The method is for providing an accounting system to a user,
Accounting data related to the user's business is registered in the storage unit in advance,
The method includes the processor:
extracting the financial status of the user based on the accounting data;
extracting the usage history of the user in the accounting system;
performing a credit rating of the user based on the extracted financial condition of the user and the user's usage history in the accounting system ;
calculating a predetermined score representing the credit rating of the user based on the credit rating;
calculating a default probability for the user based on the score;
creating a graph illustrating the probability of default based on the calculated probability of default, and presenting it to the user or a user using the system of the financial institution;
If the calculated default probability of the user exceeds a predetermined threshold, displaying to the user a reason why the probability exceeds the predetermined threshold.