JP7488804B2 - Credit information processing device, credit information processing method and program - Google Patents

Description

The present invention relates to a credit information processing device, a credit information processing method, and a program.

One example of a device for processing information obtained from a credit information agency is the system disclosed in Patent Document 1. This system stores personal credit data obtained from a credit information agency in a first database in the original data format in which it will be sent, and transfers data of any data item in the first database to the second database in a storage format unique to the credit business company based on a reference table that sets the correspondence between data items in the first and second databases.

JP 2009-25876 A

When granting loans, financial institutions check personal credit information obtained from credit information agencies, but rather than using the personal credit information obtained during the check as is, they customize it by carrying out their own unique processing in accordance with regulations and then display the customized data. Because processing at financial institutions differs from one financial institution to another, customization of data items and control of display items must be customized for each financial institution, making system implementation time-consuming.

The present invention has been made in consideration of the above, and aims to provide a credit information processing device, a credit information processing method, and a program that can easily customize credit information and display items.

In order to solve the above-mentioned problems and achieve the object, the credit information processing device of the present invention is a credit information processing device having a control unit, and is characterized by comprising: a data acquisition means for acquiring an individual's credit information data; a decryption means for referring to a decryption definition master that stores, for each item of the credit information data, the item name after decryption of that item and a decryption definition for decrypting the data of that item, decrypting each item of the credit information data according to the decryption definition corresponding to that item, and generating decryption result data including the decrypted data as data of the item name after decryption; and a display control means for referring to a control master that stores, for each item of the decryption result data, the item name when the item is displayed, and displaying the item name of each item of the decryption result data according to the item name stored in the control master.

In addition, in the credit information processing device of the present invention, the control master may store a display flag indicating whether or not to display each item of the decryption result data, and the display control means may display the data and item name for each item of the decryption result data in accordance with the display flag.

In addition, in the credit information processing device of the present invention, the control master may store an aggregation flag indicating whether or not to aggregate and display data for each item of the decryption result data, and the display control means may aggregate and display the data for each item of the decryption result data when the aggregation flag indicates aggregate display for each item of the decryption result data.

In addition, in the credit information processing device of the present invention, the control master may store an input flag indicating whether data can be input on the screen for each item of the decryption result data, and the display control means may display the data for each item as inputtable when the input flag indicates that input is possible for that item of the decryption result data.

The credit information processing method according to the present invention is characterized by comprising a data acquisition step of acquiring credit information data of an individual, a decryption step of referring to a decryption definition master that stores, for each item of the credit information data, the item name after decryption of that item and a decryption definition for decrypting the data of that item, decrypting each item of the credit information data according to the decryption definition corresponding to that item, and generating decryption result data including the decrypted data as data of the item name after decryption, and a display control step of referring to a control master that stores, for each item of the decryption result data, the item name when the item is displayed, and displaying the item name of each item of the decryption result data according to the item name stored in the control master.

The program according to the present invention is characterized in that it causes a computer to execute a data acquisition step of acquiring an individual's credit information data, a decryption step of referring to a decryption definition master that stores, for each item of the credit information data, the item name after decryption of that item and a decryption definition for decrypting the data of that item, decrypting each item of the credit information data according to the decryption definition corresponding to that item, and generating decryption result data including the decrypted data as data of the item name after decryption, and a display control step of referring to a control master that stores, for each item of the decryption result data, the item name when that item is displayed, and displaying the item name of each item of the decryption result data according to the item name stored in the control master.

The present invention has the advantage that it is easy to customize credit information and display items.

FIG. 1 is a block diagram showing an example of the configuration of a credit information processing device according to an embodiment. FIG. 2 is a diagram showing an example of a decryption definition master according to the embodiment. FIG. 3 is a diagram illustrating an example of a calculation definition table according to the embodiment. FIG. 4 is a diagram illustrating an example of a key item table according to the embodiment. FIG. 5 is a diagram illustrating an example of a decryption item control master according to the embodiment. FIG. 6 is a diagram showing an example of query data and decryption result data according to the embodiment. FIG. 7 is a diagram showing a data flow in the credit information processing device according to the embodiment. FIG. 8 is a diagram showing an example of the decryption result data according to the embodiment. FIG. 9 is a diagram illustrating an example of a details screen according to the embodiment. FIG. 10 is a diagram illustrating an example of a payment screen according to the embodiment.

Below, embodiments of the credit information processing device, credit information processing method, and program according to the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to these embodiments.

[1. Configuration]
An example of the configuration of a credit information processing device according to the present embodiment will be described with reference to Fig. 1. Fig. 1 is a block diagram showing an example of a credit information processing device according to the embodiment.

Server 200 is, for example, a server device installed at a designated credit bureau. Server 200 provides credit information of financial institutions' customers to credit information processing device 100 in response to an inquiry from credit information processing device 100, and provides inquiry data corresponding to the type of service requested by credit information processing device 100 as credit information. Note that while only one server 200 is shown in FIG. 1, there are multiple designated credit bureaus, and the server device of each designated credit bureau is connected to network 300.

The credit information processing device 100 is a device that processes inquiry data provided by a credit information agency. The credit information processing device 100 is installed, for example, at the business premises of a financial institution that provides loans.

The credit information processing device 100 is, for example, a commercially available desktop personal computer. However, the credit information processing device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

The credit information processing device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input/output interface unit 108. Each unit of the credit information processing device 100 is connected to each other so as to be able to communicate with each other via any communication path.

The communication interface unit 104 communicatively connects the credit information processing device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 is, for example, the Internet or a LAN (Local Area Network), and has a function of connecting the credit information processing device 100 and the server 200 so that they can communicate with each other.

An input device 112 and an output device 114 are connected to the input/output interface unit 108. The output device 114 serving as an output means may be a monitor (including a home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that works with a mouse to realize a pointing device function. In the following, the output device 114 may be referred to as the monitor 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 records computer programs that work with the OS (Operating System) to give commands to the CPU (Central Processing Unit) to perform various processes. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc. can be used. The storage unit 106 stores, for example, a deciphering definition master 106a, a deciphering item control master 106b, a calculation definition table 106c, and a key item table 106f. The storage unit 106 also stores query data 106d and deciphering result data 106e. The master, data, tables, etc. stored in the memory unit 106 may be stored in, for example, an external server device or database, and the master, data, tables, etc. processed by the control unit 102 may be obtained from an external server device.

Figure 2 is a diagram showing an example of the decryption definition master 106a. The decryption definition master 106a is a master that sets what kind of calculation definition is applied to the query data 106d acquired from the server 200 to perform decryption. The decryption definition master 106a includes a credit information agency, a service type, an item type, and a definition name. The credit information agency is the name of the credit information agency that provides the query data 106d. The service type is the type of credit information management service requested from the credit information agency. The definition name is the definition name of the calculation definition that performs the decryption process of the query data 106d, and the physical name of the SQL function is set. There are three types of item types: "check", "category", and "amount", which indicate the type of return value of the calculation definition. A calculation definition with an item type of "check" has a return value of True or False, a calculation definition with an item type of "category" has a return value of a code value, and a calculation definition with an item type of "amount" has a return value of an amount value. In the decryption definition master 106a, the definition name of the calculation definition is set for each credit information agency, service type, and item type.

Figure 3 is a diagram showing an example of the calculation definition table 106c. In the calculation definition table 106c, for each definition name stored in the interpretation definition master 106a, an SQL function is set as a calculation definition corresponding to the definition name. Each calculation definition shown in Figure 3 has a query key, message type, and line number as arguments. By specifying the definition name and arguments of the calculation definition for the inquiry data 106d, the interpretation process of the inquiry data 106d is performed.

The "contract information" shown in FIG. 3 performs a determination process on the contract status item included in the inquiry data 106d provided by service A of credit information agency A, and if contract status = 1, the return value is "False," and if contract status ≠ 1, the return value is "True."

The "total amount restriction determination" shown in FIG. 3 performs a determination process on the product code item included in the inquiry data 106d provided by service A of credit information agency A, and if product code = A000 or A001, the return value is "True," and if product code ≠ A000 and product code ≠ A001, the return value is "False."

The "Our company/other company" shown in Figure 3 determines the financial institution code item included in the inquiry data 106d provided by service A of credit information agency A, and if the financial institution code = 0001, the return value is "1: Our company", and if the financial institution code ≠ 0001, the return value is "2: Other company".

The "detail type" shown in FIG. 3 determines the contract detail items included in the inquiry data 106d provided by service A of credit information agency A, and if contract detail = 10, the return value will be "2: Promissory note loan", if contract detail = 20, the return value will be "3: Home loan", and if contract detail = 30, the return value will be "9: Extreme loan".

The "total limit balance" shown in FIG. 3 is the monetary value of the total limit balance item included in the inquiry data 106d provided by service A of credit information agency A.

The "overdue amount" shown in Figure 3 is the return value of the amount in the overdue amount item included in the inquiry data 106d provided by service A of credit information agency A.

Figure 4 is a diagram showing an example of key item table 106f. Key item table 106f stores key items of inquiry data 106d provided by a credit information agency in response to a service requested from the credit information agency for each service provided by the credit information agency. As shown in Figure 4, the key items of inquiry data 106d sent differ depending on the credit information agency and the type of service requested from the credit information agency. For this reason, the arguments of the calculation definition stored in calculation definition table 106c are made the same as the key items of inquiry data 106d obtained from server 200.

Figure 5 is a diagram showing an example of the decryption item control master 106b. The decryption item control master 106b is a master that sets the screen display of items in the decryption result data 106e generated by decrypting the inquiry data 106d. The decryption item control master 106b includes the decryption item, item name, aggregation target flag, payment screen display flag, and input possible flag.

"Decoded item" is the item name of the item referenced in the decoded result data 106e when the contents of the decoded result data 106e are displayed on the monitor 114. "Item name" is the item name when the item referenced in the decoded result data 106e is displayed on the screen. "Aggregation target flag" is a flag that sets whether or not the items referenced in the decoded result data 106e are totaled and displayed on the payment screen described later. For example, if the referenced items are amount 1 to amount N, the total amount is displayed, and if the referenced items are check 1 to check N, the number of Trues for the referenced items is displayed. Note that the aggregation target display flag is set not to display the totals when the referenced items are category 1 to category N. "Payment screen display flag" is a flag that sets whether or not the decoded items referenced in the decoded result data 106e are displayed on the payment screen. "Input possible flag" is a flag that sets whether or not the data of the decoded items referenced in the decoded result data 106e can be modified on the details screen described later.

Figure 6 is a diagram showing an example of inquiry data 106d and decoded result data 106e. Inquiry data 106d is data as personal credit information sent from server 200 in response to a service requested by credit information processing device 100 to server 200. In the example shown in Figure 6, inquiry data 106d includes items such as inquiry key, message type, line number, name in kana, name in kanji, contract date, contract amount, balance, number of payments, contract status, product code, financial institution code, contract details, total amount limit balance, and overdue amount.

The decryption result data 106e is data generated by decrypting the inquiry data 106d. The decryption result data 106e includes items such as the inquiry key, message type, line number, check 1 to check N, category 1 to category N, amount 1 to amount N, etc. Note that N can be any number.

The control unit 102 is a CPU or the like that provides overall control of the credit information processing device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, and required data, and executes various information processing based on these stored programs. In terms of functional concept, the control unit 102 includes a data acquisition unit 102a, a decryption unit 102b, and a display control unit 102c.

The data acquisition unit 102a, which serves as a data acquisition means, acquires inquiry data 106d, which is personal credit information data, from the server 200.

The decryption unit 102b, which serves as a decryption means, decrypts each item of the query data 106d according to the decryption definition master 106a, and generates decryption result data 106e that includes the decrypted data as data for the decrypted item names.

The display control unit 102c, which serves as a display control means, displays the item names of each item of the deciphering result data 106e according to the item names stored in the deciphering item control master 106b.

2. Specific examples of processing
Here, a specific example of the processing executed by the credit information processing device 100 will be described with reference to the drawings.

First, an overview of the process executed by the credit information processing device 100 will be described. FIG. 7 is a diagram showing the flow of data in the credit information processing device 100. The credit information processing device 100 requests the server 200 for credit information of the individual to be examined in response to the operation of the operator. The server 200 transmits inquiry data 106d related to the individual to be examined in response to the service requested from the credit information processing device 100 to the credit information processing device 100, and the credit information processing device 100 acquires the transmitted inquiry data 106d and stores it in the storage unit 106 (step S1). The credit information processing device 100 decodes the inquiry data 106d using the decode definition master 106a and the calculation definition table 106c (step S2), and stores the decoded result in the storage unit 106 as decoded result data 106e (step S3). The credit information processing device 100 displays the decoded result data 106e on the display screen according to the decoded item control master 106b in response to the operation of the operator (step S4).

Next, the details of the process of decrypting the inquiry data 106d and generating the decryption result data 106e will be described. The control unit 102 assigns an inquiry key to the individual being reviewed in response to an inquiry instruction on the screen by the operator. The inquiry key is a key that is assigned a unique number for each inquiry. The control unit 102 requests credit information for the individual being reviewed in response to the inquiry instruction, obtains inquiry data 106d sent from the server 200 in accordance with the requested service type, and stores it in the memory unit 106. The inquiry data 106d is stored in the memory unit 106 for each service type of the credit information agency.

The control unit 102 performs a decryption process on the acquired inquiry data 106d in ascending order of inquiry keys, ascending order of credit information agencies, and ascending order of service type. For example, if there are inquiry keys 0000001 and 0000002, credit information agencies A, B, and C, services A and B provided by credit information agency A, services C to E provided by credit information agency B, and service F provided by credit information agency C, the control unit 102 may perform a decryption process on the acquired inquiry data 106d in ascending order of inquiry keys 0000001-credit information agency A-service A, inquiry key 0000001-credit information agency A-service B, inquiry key 0000001-credit information agency A-service B, inquiry key 0000001-credit information agency B-service B, and inquiry key 0000001-credit information agency B-service F. The decryption process is performed in the following order: C, inquiry key 0000001 credit information agency B service D, inquiry key 0000001 credit information agency B service E, inquiry key 0000001 credit information agency C service F, inquiry key 0000002 credit information agency A service A, inquiry key 0000002 credit information agency A service B, inquiry key 0000002 credit information agency B service C, inquiry key 0000002 credit information agency B service D, inquiry key 0000002 credit information agency B service E, inquiry key 0000002 credit information agency C service F. An example of decryption of inquiry key 0000001 credit information agency A service A will be described below.

When generating the decryption result data 106e from the query data 106d, the control unit 102 first obtains the key items of the record containing the query key 0000001 from the query data 106d, as shown in FIG. 8, and generates the decryption result data 106e that contains the obtained key items and leaves the rest of the data blank.

The control unit 102 then processes the generated decryption result data 106e record by record. Specifically, the control unit 102 retrieves from the decryption definition master 106a a record that matches the credit information agency and service type that provided the inquiry data 106d being decrypted, and stores in memory the definition name in the retrieved record. The control unit 102 then uses the definition name stored in memory and the calculation definition table 106c to generate an update SQL, for example, as shown below.

UPDATE <Service A decryption result data> SET
Check 1 = Deal Information (Arguments: 0000001, 81, 1)
, Check 2 = Total amount restriction judgment (argument: 0000001, 81, 1)
, ...
, Check N = ...
, Category 1 = Our company/other company (arguments: 0000001, 81, 1)
, Category 2 = Detail type (arguments: 0000001, 81, 1)
, ...
, Division N = ...
, Amount 1 = Total amount regulation balance (Arguments: 0000001, 81, 1)
, amount2=overdue amount (arguments: 0000001, 81, 1)
, ...
, Amount N = ...
WHERE query key = 0000001
AND message type = 81
AND row number = 1

The control unit 102 then executes the generated update SQL. Here, the SQL function can identify the record to reference in the query data 106d by using the key items of the query data 106d as arguments. The control unit 102 stores the return value of the SQL function from the identified record in the decoded result data 106e.

For example, the control unit 102 uses the SQL function for "contract information" to reference the "contract status" column in the record with the query key "0000001" and row number "1" in the query data 106d for service A shown in FIG. 6. Here, the control unit 102 obtains "True" as the return value because the referenced data is "0". The control unit 102 stores the obtained return value in the decryption result data 106e in the column of the item type "check 1" that is associated with the definition name of "contract information" in the decryption definition master 106a. As a result, the control unit 102 stores the obtained return value "True" in the "check 1" column of the record with the row number "1" in the decryption result data 106e, as shown in FIG. 6.

Furthermore, the control unit 102 uses the SQL function for "total quantity restriction determination" to reference the "product code" column in the record with the query key "0000001" and row number "1" in the query data 106d for service A shown in FIG. 6. Here, the control unit 102 obtains "True" as the return value because the referenced data is "A001". The control unit 102 stores the obtained return value in the decoded result data 106e in the column of item type "Check 2" that is associated with the definition name for "total quantity restriction determination" in the decoded definition master 106a. As a result, the control unit 102 stores the obtained return value "True" in the "Check 2" column of the record with row number "1" in the decoded result data 106e, as shown in FIG. 6. The control unit 102 also obtains return values for the SQL functions corresponding to items check 3 to check N in the query data 106d, and stores the return values in the columns for items check 3 to check N in the decoded result data 106e.

The control unit 102 also uses the "Our Company/Other Company" SQL function to reference the "Financial Institution Code" column in the record with the reference key "0000001" and row number "1" in the inquiry data 106d for service A shown in FIG. 6. Here, the control unit 102 obtains "2: Our Company" as the return value because the referenced data is "0002". The control unit 102 stores the obtained return value in the decoded result data 106e in the column of item type "Category 1" that is associated with the definition name "Our Company/Other Company" in the decoded definition master 106a. As a result, the control unit 102 stores the obtained return value "1: Our Company" in the "Category 1" column of the record with row number "1" in the decoded result data 106e, as shown in FIG. 6.

The control unit 102 also uses the SQL function for "detail type" to reference the "contract details" column in the record with the query key "0000001" and row number "1" in the query data 106d for service A shown in FIG. 6. Here, the control unit 102 obtains "2: Loan by Deed" as the return value, since the referenced data is "10". The control unit 102 stores the obtained return value in the decryption result data 106e in the column of item type "Category 2" that is associated with the definition name of "detail type" in the decryption definition master 106a. As a result, the control unit 102 stores the obtained return value "2: Loan by Deed" in the column of "Category 2" of the record with row number "1" in the decryption result data 106e, as shown in FIG. 6. The control unit 102 also obtains return values from the SQL functions corresponding to items in categories 3 to N of the query data 106d, and stores the return values in columns corresponding to items in categories 3 to N in the decoded result data 106e.

The control unit 102 also uses the SQL function for "total amount restriction balance" to reference the "total amount restriction balance" column in the record with the reference key "0000001" and row number "1" in the inquiry data 106d for service A shown in FIG. 6. Here, the control unit 102 obtains "500,000" as the return value because the referenced data is "500,000". The control unit 102 stores the obtained return value in the decryption result data 106e in the column of item type "Amount 1" that is associated with the definition name of "total amount restriction balance" in the decryption definition master 106a. As a result, the control unit 102 stores the obtained return value "500,000" in the "Amount 1" column of the record with row number "1" in the decryption result data 106e, as shown in FIG. 6.

The control unit 102 also uses the SQL function for "overdue amount" to refer to the column for "overdue amount" in the record with the query key "0000001" and row number "1" in the query data 106d for service A shown in FIG. 6. Here, the control unit 102 obtains "0" as the return value because the referenced data is "0". The control unit 102 stores the obtained return value in the column for the item type "amount 2" associated with the definition name of "overdue amount" in the decryption definition master 106a in the decryption result data 106e. As a result, the control unit 102 stores the obtained return value "0" in the column for "amount 2" in the record with row number "1" in the decryption result data 106e, as shown in FIG. 6. The control unit 102 also obtains return values from the SQL functions corresponding to the items of amount 3 to amount N in the query data 106d, and stores the return values in the columns of the items of amount 3 to amount N in the decryption result data 106e.

The control unit 102 performs the same process for the record with line number "1" as for the record with line number "2" and the record with line number "3" in the key field in the query data 106d. As a result, the decryption result data 106e becomes as shown in FIG. 6.

Next, the details of the process of displaying a screen based on the decryption result data 106e will be described. FIG. 9 is a diagram showing an example of a details screen that displays details of the decryption result data 106e. When displaying the contents of the decryption result data 106e on the details screen G1, the control unit 102 sets the item names to be displayed on the details screen G1 based on the decryption item control master 106b.

For example, when the control unit 102 displays the contents of a record with a reference key of "0000001" in the decryption result data 106e on the detail screen G1, the control unit 102 refers to the record with the decryption item "Check 1" in the decryption item control master 106b for displaying the item "Check 1" and obtains "Deal Information" as the item name. Then, as shown in FIG. 9, the control unit 102 changes the item name "Check 1" to the obtained item name "Deal Information" and displays it. Also, when the control unit 102 displays the contents of a record with a reference key of "0000001" in the decryption result data 106e on the detail screen G1, the control unit 102 refers to the record with the decryption item "Check 2" in the decryption item control master 106b for displaying the item "Check 2" and obtains "Total Volume Restriction Judgment" as the item name. Then, as shown in FIG. 9, the control unit 102 changes the item name "Check 2" to the obtained item name "Total Volume Restriction Judgment" and displays it. The control unit 102 also refers to the deciphering item control master 106b and changes and displays the item names for check 3 to check N, just as it does for check 1 and check 2.

The control unit 102 also changes the item names of category 1 to category N and amount 1 to amount N items by referencing the deciphered item control master 106b, in the same way as for check 1 to check N items. As a result, as shown in FIG. 9, the display of "category 1" items is changed to "our company/other company", the display of "category 2" items is changed to "detail type", the display of "amount 1" items is changed to "total amount restriction balance", and the display of "amount 2" items is changed to "overdue amount".

The control unit 102 also sets whether the items displayed on the detail screen G1 can be modified by referencing the input flag column in the deciphering item control master 106b. For example, the control unit 102 displays the data in the "Deal Information" item displayed by changing "Check 1" in a state where it cannot be modified, because the input flag for the deciphering item "Check 1" in the deciphering item control master 106b is "False." The control unit 102 also displays the data in the "Our Company/Other Company" item displayed by changing "Category 1" in a state where it can be modified, because the input flag for the deciphering item "Category 1" in the deciphering item control master 106b is "True."

Next, FIG. 10 shows an example of a payment screen displayed based on the result of decrypting the inquiry data 106d. When displaying the payment screen G2 based on the contents of the decryption result data 106e, the control unit 102 sets the items and item names to be displayed on the payment screen G2 based on the decryption item control master 106b.

For example, when the control unit 102 displays the contents of a record with a reference key of "0000001" in the decryption result data 106e on the payment screen G2, it references the record with the decryption item "Check 1" in the decryption item control master 106b to display the "Check 1" item, obtains "Deal Information" as the item name, obtains "True" as the aggregation target flag, and obtains "True" as the payment screen display flag. Because the acquired payment screen display flag is "True", the control unit 102 changes the item name "Check 1" to the acquired item name "Deal Information" and displays it, as shown in FIG. 10. Also, because the acquired aggregation target flag is "True", the control unit 102 aggregates the number of "True"s in the column for Check 1 in the decryption result data 106e, and displays the aggregated number "2" in the column for "Deal Information" on the payment screen G2.

When the control unit 102 displays the contents of the record with the reference key "0000001" in the decryption result data 106e on the payment screen G2, it references the record of the decryption item "Amount 1" in the decryption item control master 106b for displaying the item "Amount 1", obtains "Total amount regulation balance" as the item name, obtains "True" as the aggregation target flag, and obtains "True" as the payment screen display flag. Since the acquired payment screen display flag is "True", the control unit 102 changes the item name "Amount 1" to the acquired item name "Total amount regulation balance" as shown in FIG. 10 and displays it. Since the acquired aggregation target flag is "True", the control unit 102 aggregates the amounts in the column of category 1 of the decryption result data 106e, and displays the aggregated amount "1,500,000" in the column of "Total amount regulation balance" on the payment screen G2. For example, the control unit 102 does not display items in "Category 1" or "Category 2" of the decryption result data 106e on the payment screen G2, as shown in FIG. 10, because the payment screen display flag is "False" in the decryption item control master 106b.

3. Effects of the embodiment
According to the embodiment of the credit information processing device 100, the customization of the inquiry data 106d as credit information to the decryption result data 106e and the customization of the display of the decryption result data 106e can be easily performed by setting the decryption definition master 106a, the decryption item control master 106b, and the calculation definition. In addition, when changing the customization, the change can be made quickly and at low cost by changing the decryption definition master 106a, the decryption item control master 106b, and the calculation definition.

[4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)]
This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby making it possible to contribute to goals 8 and 9 of the SDGs.

In addition, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, which can contribute to the achievement of SDGs goals 12, 13, and 15.

In addition, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

5. Other embodiments
The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using a known method.

In addition, the processing procedures, control procedures, specific names, registered data for each process, information including parameters such as search conditions, screen examples, and database configurations shown in this specification and drawings may be changed as desired unless otherwise specified.

Furthermore, with regard to the credit information processing device 100, each component shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure.

For example, the processing functions of the credit information processing device 100, particularly the processing functions performed by the control unit 102, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transient computer-readable recording medium that contains programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the credit information processing device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit 102.

In addition, this computer program may be stored in an application program server connected to the credit information processing device 100 via any network, and it is also possible to download all or part of it as needed.

In addition, the program for executing the processing described in this embodiment may be stored in a non-transitory computer-readable recording medium, and may also be configured as a program product. Here, the term "recording medium" refers to a memory card, a USB (Universal Serial Bus) memory, a SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile This includes any "portable physical media" such as a DVD (registered trademark) or Blu-ray (registered trademark) Disc.

A "program" is a data processing method written in any language or description method, and may be in any format, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration consisting of multiple modules or libraries, and a program that works in conjunction with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

The various databases stored in the memory unit 106 are storage devices such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

The credit information processing device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The credit information processing device 100 may be realized by implementing software (including programs or data, etc.) that causes the information processing device to realize the processing described in this embodiment.

Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the figures, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various additions or function additions. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively.

This invention is useful in industries that handle credit information.

100 Credit information processing device 102 Control unit 102a Data acquisition unit 102b Decryption unit 102c Display control unit 104 Communication interface unit 106 Storage unit 106a Decryption definition master 106b Decryption item control master 106c Calculation definition table 106d Inquiry data 106e Decryption result data 106f Key item table 108 Input/output interface unit 112 Input device (keyboard)
114 Output device (monitor)
200 Server 300 Network G1 Detail screen G2 Payment screen

Claims (6)

A credit information processing device including a control unit,
A data acquisition means for acquiring personal credit information data;
a decryption means for referencing a decryption definition master that stores, for each item of the credit information data, the item name after decryption of the item and a decryption definition for decrypting the data of the item, decrypting each item of the credit information data according to the decryption definition corresponding to the item, and generating decryption result data including the decrypted data as data of the item name after decryption;
a display control means for referencing a control master storing an item name for each item of the decryption result data when the item is displayed, and displaying the item name of each item of the decryption result data according to the item name stored in the control master;
A credit information processing device comprising: the control master stores a display flag indicating whether or not to display each item of the decryption result data;
The credit information processing device according to claim 1 , wherein the display control means displays data and an item name for each item of the decryption result data in accordance with the display flag. the control master stores an aggregation flag indicating whether or not data is to be aggregated and displayed for each item of the decryption result data;
3 . The credit information processing device according to claim 1 , wherein the display control means displays, for each item of the decryption result data, the data of the item in an aggregated form when the aggregation flag indicates that the data should be aggregated. 4 . the control master stores an input availability flag indicating whether data can be input on a screen for each item of the decryption result data;
The credit information processing device according to claim 1 , wherein the display control means displays, for each item of the decryption result data, the data of the item in a manner that allows input when the input availability flag indicates that the data of the item is available for input. A credit information processing method executed by a control unit of a credit information processing device having a control unit,
A data acquisition step of acquiring personal credit information data;
a decoding step of referring to a decoding definition master that stores, for each item of the credit information data, the item name after the item is decoded and a decoding definition for decoding the data of the item, decoding each item of the credit information data according to the decoding definition corresponding to the item, and generating decoding result data including the decoded data as data of the item name after the decode;
a display control step of referring to a control master storing an item name for displaying each item of the decryption result data, and displaying the item name of each item of the decryption result data according to the item name stored in the control master;
A credit information processing method comprising: On the computer,
A data acquisition step of acquiring personal credit information data;
a decoding step of referring to a decoding definition master that stores, for each item of the credit information data, the item name after the item is decoded and a decoding definition for decoding the data of the item, decoding each item of the credit information data according to the decoding definition corresponding to the item, and generating decoding result data including the decoded data as data of the item name after the decode;
a display control step of referring to a control master storing an item name for displaying each item of the decryption result data, and displaying the item name of each item of the decryption result data according to the item name stored in the control master;
A program characterized by executing the above.

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