JP2019121284A - Credit advisability determination device, method for determining credit advisability, and program for determining credit advisability - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit acceptability judging device, a credit acceptability judging method, and a credit acceptability judging program capable of judging whether credit to an applicant of credit can be credited or not by using debt information before reporting by a credit information agency. As an issue.
[Solution] In this embodiment, (1) that registered applicant information is linked to applicant identification information about a present applicant who applies for a credit this time, and that reporting to a credit information agency has not been completed. The requested amount associated with the report status identification information to be shown is acquired, and (2) it is determined whether or not credit to the current applicant is possible, based on the acquired acquired amount.
[Selected figure] Figure 6

Description

  The present invention relates to a credit determination apparatus, a credit determination method, and a credit determination program.

  Patent Document 1 discloses a system capable of easily disclosing to a credit card owner (card holder) the same information as personal credit information provided and registered to a credit information agency by a specific card company. Is disclosed (see paragraph 0006), and it is disclosed that if the latest information is not registered at the credit information agency, the fact (that it is not registered at the credit information agency) can be confirmed together with the latest information. (See paragraph 0054).

JP, 2011-76143, A

  Thus, considering not only information already registered (reported) to the credit information agency but also information not registered (unreported) to the credit information agency, in the field of credit judgment, conventionally, There were the following issues.

  That is, a credit card company etc. usually makes a credit judgment based on the personal debt information reported to the credit information agency, but if several applications are received from the same customer at the same time, the debt due to each application Credit has been weak and it has been difficult to make an appropriate credit decision because credit is completed before being reported to and reflected in a credit bureau. For this reason, although a method for making a credit decision using debt information before being reported to and reflected by a credit information agency has been conventionally sought, it has not been realized.

  The present invention has been made in view of the above problems, and it is possible to judge whether credit to an applicant of credit is possible or not by using debt information before reporting by a credit information agency. It is an object of the present invention to provide a judgment device, a credit judgment method and a credit judgment program.

  In order to solve the problems described above and achieve the object, a credit determination apparatus according to the present invention is a credit determination apparatus including a control unit and a storage unit, and the storage unit includes a credit applicant. Application information including applicant identification information for identification, report amount identification information indicating that the amount requested to the applicant and reporting to the credit information agency have been completed, is stored, and the control The department acquires a request amount associated with the applicant identification information for the current applicant who applies for a credit this time, and the reporting status identification information indicating that the report has not been completed, from the application information. The apparatus is characterized by comprising: a billed amount acquiring unit; and a judging unit that judges whether credit to the current applicant is possible based on the billed amount acquired by the billed amount acquiring unit.

  Further, in the credit determination apparatus according to the present invention, the judging means has already reported the living maintenance cost of the current applicant and the credit information organization for the current applicant from the planned income of the current applicant. If the sum of the invoiced amount and the invoiced amount acquired by the invoiced amount acquiring unit is reduced by more than the application amount of the current applicant, it is determined that credit to the current applicant is possible. And determining that the credit to the current applicant is not possible if the reduced value is less than the application amount of the current applicant.

  Further, in the creditability determination device according to the present invention, the application information has a record including the applicant identification information, the invoiced amount, and the report status identification information, and the invoiced amount acquiring unit is the application information. And a record including the applicant identification information for the current applicant from the above, and the billing amount included in the record including the report status identification information indicating that the report has not been made among the extracted records; It is characterized by acquiring.

  Further, in the creditability determination device according to the present invention, the application information has a record including the applicant identification information, the invoiced amount, and the report status identification information, and the invoiced amount acquiring unit is the application information. From the record including the applicant identification information for the current applicant, and the report indicating that the report is not completed among the records selected by the operator from the extracted records displayed on the screen Obtaining the billed amount included in the record including the situation identification information.

  In the credit determination apparatus according to the present invention, the applicant identification information may be the name of the applicant, the birthday of the applicant, the telephone number of the applicant, the address of the applicant, and the zip code of the address. It is characterized by being.

  Further, a credit acceptability judging method according to the present invention is a credit acceptability judging method executed by an information processing apparatus comprising a control unit and a storage unit, and the storage unit is an application for identifying an applicant of a credit. Information is stored, which includes: identification information of the applicant, report amount to the applicant, and report status identification information indicating that reporting to the credit information agency has been completed or not completed, and executed by the control unit The billing amount associated with the applicant identification information for the current applicant who applies for credit this time and the reporting status identification information indicating that the report has not been completed from the application information; Characterized by including an acquisition step, and a determination step of determining whether crediting to the current applicant is possible based on the billing amount acquired in the billing amount acquisition step. .

  Further, a credit judgment program according to the present invention is a credit judgment program to be executed by an information processing apparatus comprising a control unit and a storage unit, and the storage unit is for identifying a applicant for credit. Application information including applicant identification information, billing amount for the applicant, and report status identification information indicating that reporting to a credit information agency has been completed or not completed is stored, and is executed by the control unit Request amount associated with the applicant identification information for the current applicant who applies for credit this time, and the reporting status identification information indicating that the report has not been completed, from the application information A determination step of determining whether crediting to the current applicant is possible based on the billing amount acquired step and the billing amount acquired in the billing amount acquisition step; Include, characterized.

  According to the present invention, there is an effect that it is possible to judge whether credit to the applicant of the credit is possible by using the debt information before the credit information agency report.

FIG. 1 is a block diagram showing an example of the configuration of the credit decision device. FIG. 2 is a view showing an example of the data configuration of the current application information, the registered application information, and the reported application information. FIG. 3 is a diagram showing an example of how to check the same person situation according to the present embodiment. FIG. 4 is a diagram showing an example of the method of confirming the report status to the credit information service according to the present embodiment. FIG. 5 is a diagram showing an example of a conventional credit judgment method. FIG. 6 is a view showing an example of the method of credit judgment according to the present embodiment. FIG. 7 is a diagram showing an example of the credit information registration screen. FIG. 8 is a view showing an example of a display screen of a record list determined to be the same person in the confirmation of the same person situation.

  Hereinafter, embodiments of a credit acceptability judging device, a credit acceptability judging method and a credit acceptability judging program according to the present invention will be described in detail based on the drawings. The present invention is not limited by the present embodiment.

[1. Overview]
Credit card companies etc. usually make credit judgment based on personal debt information reported to a credit information agency (CIC etc.), but if they receive multiple applications from the same customer at the same time, they will As credit is completed before debt is reported (reflected) to a credit information agency, there is a problem that credit is weak and appropriate credit judgment can not be made.

  Therefore, in the present embodiment, it is possible to determine whether the credit to the applicant of the credit can be credited using the debt information before the credit information agency report. The specific configuration and operation will be described below.

[2. Constitution]
An example of the configuration of the creditworthiness determination apparatus 100 according to the present embodiment will be described with reference to FIG. FIG. 1 is a block diagram showing an example of the configuration of the credit decision device 100. As shown in FIG.

  The credit determination device 100 is a commercially available desktop personal computer. The creditability determination device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may be a portable personal computer such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), a smartphone, a tablet personal computer, etc. It may be a type information processing apparatus.

  The credit determination device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. The units included in the credit determination apparatus 100 are communicably connected via an arbitrary communication path.

  The communication interface unit 104 communicably connects the credit determination 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 another device via a communication line. Here, the network 300 has a function of communicably connecting the credit determination device 100 and the server 200, and is, for example, the Internet, a local area network (LAN), or the like. Note that data of various masters and the like described later may be stored in the server 200, for example.

  An input device 112 and an output device 114 are connected to the input / output interface unit 108. For the output device 114, in addition to a monitor (including a home television), a speaker or a printer can be used. The input device 112 can be a keyboard, a mouse, a microphone, and a monitor that implements a pointing device function in cooperation with the mouse. Hereinafter, the output device 114 may be described as the monitor 114, and the input device 112 may be described as the keyboard 112 or the mouse 112.

  The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for giving instructions to a central processing unit (CPU) in cooperation with an operating system (OS) to perform various processes. As the storage unit 106, for example, a memory device such as a random access memory (RAM) or a read only memory (ROM), a fixed disk device such as a hard disk, a flexible disk, an optical disk or the like can be used.

  The storage unit 106 includes, for example, the current application information 106 a, registered application information 106 b as application information, and reported application information 106 c.

  The application information 106 a this time is information about the applicant who applies for credit this time. As shown in FIG. 2, for example, applicant identification information (a name of the applicant, the applicant's birthday, the applicant's phone number, and the applicant's address) for identifying the applicant of the credit, as shown in FIG. And the postal code of the applicant's address) and the application amount for this applicant (annual billing amount).

  The registered application information 106 b is information on an applicant who has applied for a credit. Assuming that the current date is 2017/8/7, it means that information about applicants before 2017/8/6 is registered in the registered application information 106b. As shown in FIG. 2, the registered application information 106b includes, for example, bond identification information (bond No.), applicant identification information (applicant's name, applicant's birthday, applicant's phone number, applicant's address). And the zip code of the applicant's address, the application completion date, the institution report date, the report status identification information (the agency report status), and the amount billed to the applicant (annual bill amount). The information on one horizontal line in the registered application information 106b is hereinafter referred to as "record".

  Here, the meaning of the terms of the application completion date, the organization report date, and the report status identification information (engine report status) will be described. The application completion date is the date when the applicant completed the application for credit to a credit card company or the like. The institutional reporting date is the date on which the applicant identification information and information such as the amount billed to the applicant are reported to the credit information agency (CIC, JICC, KSC, etc.) after the completion of the credit application. The organization report dates are, for example, the 5th, 15th and 25th every month. Report status identification information (institutional report status) is that applicant identification information and information such as the amount billed to applicant have been reported to the credit information agency (institutional report completed) or not complete (institution non report) Information indicating

  Here, since the records in the registered application information 106b of FIG. 2 are divided into three types of records: application incomplete records, application completed but institutional unreported records, and institutional reported records, Describe the types of records.

  In the registered application information 106 b of FIG. 2, the three records with “* 1” are uncompleted records, and the credit application is still completed for the applicant specified by the information included in the records. I did not. Therefore, in the three records with “* 1”, the columns “application completion date” and “engine reporting date” are all blank. In addition, since the report to the credit information agency is performed after the application is completed, the information included in the application incomplete record will not yet exist on the credit information agency.

  In the registered application information 106 b of FIG. 2, the three records with “* 2” are records for which the application has been completed but the institution has not been reported, and the applicant specified by the information included in the record is Credit applications have been completed, but reporting to credit information agencies has not yet been completed. For this reason, in the three records with "* 2", the date when the application is completed is entered in the "Application Completed Date" column, but the "Engine Report Date" column is blank. In addition, since reports to credit information agencies are conducted every few days (for example, every 5th, 15th, and 25th, etc. every month), they are included in the record immediately after the application is completed (the application has been completed but the organization is not reported). Information will not yet exist on the credit information agency.

  In the registered application information 106b of FIG. 2, the six records without “* 1” and “* 2” are records that have been reported as an institution, and the applicant specified by the information included in the records The credit application has been completed, and reporting to the credit information agency has also been completed. Therefore, in the relevant six records, neither “※ 1” nor “※ 2”, the “Application Completed Date” and “Institution Report Date” columns were the date when the application was completed and the Institutional Report, respectively. The date has been entered. The information included in the institutionally-reported record will already be present on the credit information agency (ie, as shown in FIG. 2, it will be already registered as reported application information 106c).

  The reported application information 106 c is information about applicants who have applied for a credit, who have completed the application for credit and have also completed a report to a credit information agency. The reported application information 106c, as shown in FIG. 2, is, for example, bond identification information (bond number), applicant identification information (applicant's name, applicant's birthday, applicant's phone number, applicant's address) And the applicant's address zip code), application completion date, institutional report date, applicant identification information, and invoice amount to applicants, etc. It includes situation identification information (institutional report situation) and the amount billed to the applicant (annual bill amount).

  The control unit 102 is a CPU or the like that controls the credit determination device 100 in an integrated manner. The control unit 102 has an internal memory for storing control programs such as the OS, programs defining various processing procedures, required data, etc., and performs various information processing based on the stored programs. Run.

  The control unit 102 functionally relates, for example, (1) from the application information to the applicant identification information for the current applicant who applies for credit this time, and indicates that the report has not been completed. Based on the billing amount acquired by the billing amount acquisition unit, the billing amount acquisition unit 102a as a billing amount acquisition unit for acquiring a billing amount linked to the reporting status identification information; And a determination unit that determines whether the determination is possible or not. In addition, about the detail of the process which each part performs, below [3. Specific Example of Processing].

[3. Specific example of processing]
Hereinafter, the specific example of the process which concerns on this embodiment is demonstrated in detail using FIGS. In addition, this item [3. In the specific example of the process], it is assumed that the data configuration example in the current application information 106a, the registered application information 106b and the reported application information 106c is as shown in FIG.

[3-1. Acquisition of billing amount]
In this item, acquisition of the billed amount will be described in detail with reference to FIGS. 2 to 4 and 8.

  The billed amount acquisition unit 102a is linked from the registered application information 106b to the applicant identification information for the current applicant who applies for credit this time, and reports the status identification indicating that the report to the credit information agency has not been completed. Get the amount of charges associated with the information (not reported to the institution).

  Specifically, as shown in the present application information 106 a of FIG. 2, the applicant identification information about the present applicant is “Application Name Kanji: ○○ Taro, Birthday: 19 ○○ / 01/01, Phone Number: 00-0000-0000, zip code: 000-0000 and address: OO prefecture OO city OO-OO.

  Referring to the registered application information 106b of FIG. 2, the annual billed amount "100,000 yen" in the record of bond No. 1-0 is linked to "application name kanji: ○ Taro Taro" for the applicant this time, and The billing amount acquisition unit 102 a acquires the “100,000 yen” in order to associate with “non-reported organization”.

  Similarly, referring to registered application information 106b of FIG. 2, the annual billed amount "200,000 yen" in the record of bond No. 2-0 is "birthday: 19 ○○ / 01/01 for the applicant this time. In order to be linked with “,” and “engine not reported”, the billing amount acquisition unit 102 a acquires “200,000 yen”.

  Similarly, referring to the registered application information 106b of FIG. 2, the annual billed amount "300,000 yen" in the record of bond No. 3-0 is "phone number: 00-0000-0000" for the applicant this time. In order to be tied and tied to "institution not yet reported", the billed amount obtaining unit 102a obtains "300,000 yen".

  Similarly, referring to the registered application information 106b of FIG. 2, the annual bill amount "250,000 yen" in the record of bond No. 4-0 is associated with "zip code: 000-0000" for the applicant this time, In addition, in order to associate with “not reported by the organization”, the billed amount acquisition unit 102 a acquires “250,000 yen”.

  Similarly, referring to the registered application information 106b of FIG. 2, the annual billed amount "150,000 yen" in the record of bond No. 5-0 is "address: xxx prefecture xxx city xxx" for the applicant this time In order to associate it with “-○○” and associate it with “no engine reported”, the billed amount acquiring unit 102 a acquires “150,000 yen”.

  As described above, the billed amount acquiring unit 102a acquires 100,000 yen, 200,000 yen, 300,000 yen, 250,000 yen, and 150,000 yen as the billed amount.

  Although it is possible to obtain the annual billed amount by the process described in this item, the billed amount acquiring unit 102a, as described below, “(1) Confirmation of same person condition” and “(2) Credit The annual bill may be obtained through the two procedures “confirmation of reporting status to the information agency”.

(1) Confirmation of same person situation The billed amount acquisition unit 102a extracts a record including applicant identification information about the applicant this time from the registered application information 106b.

  Specifically, the applicant identification information about the applicant this time is “application name kanji: ○ Taro, birthday: 19 ○, as shown in the record of bond No: − in registered application information 106 b of FIG. ○ / 01/01, phone number: 00-0000-0000, zip code: 000-0000 and address: 住所 prefecture 県 city ○ city ○-−.

  Referring to the registered application information 106b of FIG. 3, since the records of bond No. 1-0 and 6-0 include "application name kanji: xxx taro" for the applicant this time, the billed amount acquisition unit 102a , Extract the records of bond No. 1-0 and 6-0. Note that, as shown in the rightmost column of the registered application information 106b of FIG. 3, the extracted record is given a flag of "same person", which is the same in the following.

  Similarly, referring to the registered application information 106b of FIG. 3, since the records of bond Nos: 2-0 and 7-0 include "birthday: 19 ○○ / 01/01" for the applicant this time, The billing amount acquisition unit 102a extracts the records of bond numbers: 2-0 and 7-0.

  Similarly, with reference to the registered application information 106b of FIG. 3, the records of bond Nos: 3-0 and 8-0 include “phone number: 00-0000-0000” for the applicant this time, so the billed amount The acquisition unit 102a extracts the records of bond numbers: 3-0 and 8-0.

  Similarly, with reference to the registered application information 106b of FIG. 3, the records of bond Nos: 4-0 and 9-0 include “zip code: 000-0000” for the applicant this time, so the invoiced amount acquisition unit 102a extracts the records of bond numbers: 4-0 and 9-0.

  Similarly, with reference to the registered application information 106b of FIG. 3, the records of the bond Nos. 5-0 and 10-0 indicate the "address: xxx prefecture xxx city xxx-xxx" for the applicant this time. In order to include, the billed amount acquisition unit 102a extracts the records of the bond numbers: 5-0 and 10-0.

  As described above, the billed amount acquisition unit 102a can extract the records of bond No. 1—0 to 0—0. In other words, of the records in the registered application information 106b, the billed amount acquisition unit 102a matches the record in which any of “application name kanji, birthday, telephone number, zip code and address” in the current application information 106a matches. It is determined that the record is for the same applicant as the applicant of the application information 106a this time.

(2) Confirmation of the report status to the credit information agency: The request amount acquisition unit 102a indicates the report status identification information indicating that the report to the credit information agency has not been completed among the records extracted in (1) (non-reported) Get the billed amount (annual billed amount) included in the record including.

  Specifically, referring to the registered application information 106b of FIG. 4, among the records of the bond No. 1-0 to 10-0 extracted in (1), the record including "non-reported institution" is the bond No. 5 records: 1-0 to 5-0. Therefore, the billing amount acquisition unit 102a acquires the annual billing amount (100,000 yen, 200,000 yen, 300,000 yen, 250,000 yen, and 150,000 yen) included in the five records.

  As described above, it is determined from the same person status confirmed in (1) and the reporting status to the credit information agency confirmed in (2) whether or not the debt information included in the record is to be added as the annual billing amount. If the record includes "same person" and "not reported", the debt information included in the record is added as the annual bill. In addition, since the debt information already reported to the credit information agency is acquired by another process, in this process, the debt information included in the record including “committee reported” is not added to the annual bill.

[3-2. Credit judgment]
In this item, credit judgment will be described in detail with reference to FIGS.

  The determination unit 102b determines whether crediting to the applicant this time is possible based on the billing amount acquired by the billing amount acquiring unit 102a as follows.

  That is, from the planned income amount of the applicant this time, the judgment unit 102b calculates the current maintenance cost of the applicant, the bill amount already reported to the credit information agency for the applicant this time, and the bill amount acquired by the bill amount acquisition unit 102a. If the value obtained by subtracting the total amount of is more than the application amount of the applicant this time, it is judged that crediting to the applicant is possible, and the reduced value is less than the application amount of the applicant , Judge that it is not possible to credit the applicant this time.

  Specifically, as shown in FIG. 6, the planned income of the applicant for this time is 6 million yen.

  Also, as shown in FIG. 6, the living maintenance fee of the applicant for this time is 2 million yen. The billed amount (reported billed amount) reported to the credit information agency for the applicant this time includes the flag of the “same person” in the registered application information 106 b shown in FIG. Because it is the total amount of claims included in the 5 records of claims No. 6-0 to 0- 0 including “reported,” 250,000 yen + 300,000 yen + 450,000 yen + 500,000 yen + 1 million yen = 2.5 million yen It becomes. The billed amount (unreported billed amount) acquired by the billed amount acquiring unit 102a is 100,000 yen + 200,000 yen + 300,000 yen + 250,000 yen + 150,000 yen = 1,000,000 yen. Therefore, the sum of the living maintenance cost, the reported request amount and the unreported request amount is 2 million yen + 2.5 million yen + 1 million yen = 5.5 million yen.

  Therefore, a value obtained by subtracting the total of the living maintenance cost, the reported request amount, and the unreported request amount from the planned income amount of the applicant this time is 6 million yen-5,500,000 yen = 500,000 yen. In other words, the 500,000 yen can be said to be the estimated amount that can be paid by the applicant (estimated amount that can be paid).

  On the other hand, the application amount of the current applicant is 1 million yen, as shown in the current application information 106a of FIG.

  From the above, the value of 500,000 yen, which is the reduced value, is less than 1 million yen, which is the application amount of the applicant this time, so the judging unit 102b can not credit the applicant this time, as shown in FIG. It is determined that the evaluation result is (Evaluation result x: No lending).

  An example of the screen for making the credit determination described above is shown in FIG. In the above example, the case where crediting to the applicant this time is impossible is described, but when crediting to the applicant this time is possible (evaluation result ○: lending is possible), as shown in FIG. If the “Register” button is selected, information on the applicant this time can be registered as registered application information 106 b.

  For reference, FIG. 5 shows the conventional method of credit judgment. In the past, because it was not possible to acquire the unreported claim amount of 1 million yen, as shown in FIG. 5, the expected payment amount is the planned income amount of 6 million yen-(living maintenance expenses of 2 million yen + reported already The billed amount is 2.5 million yen) = 1.5 million yen. Since the 1.5 million yen concerned is 1 million yen or more which is the application amount of the applicant this time, it is judged that credit is possible for the applicant who has only 500,000 yen as the original payment ability. It becomes.

[3-3. Accurate credit judgment]
In this item, highly accurate credit judgment will be described in detail using FIGS. 3 and 8.

In [3-1], among the records in the registered application information 106b, any one of the five items of “application name kanji, birthday, telephone number, postal code and address” in the application information 106a this time matches An example has been described in which the record is determined to be a record for the same applicant as the current applicant of the current application information 106a.

  However, on the condition that one of the five items matches, for example, there is a possibility that records of only the applicant and the address this time are the same and the other information has a different person (in fact, In the example of FIG. 3, the records of the bond N0: 1 to 0 to 0- 0 are records of persons different from the applicant this time). Then, if credit determination is made based on the debt information included in the record of the extracted different person, there is a possibility that accurate credit determination can not be performed.

  Therefore, in order to make a highly accurate credit determination, for example, it is preferable to adopt one of the following two methods.

  The first method is a method of extracting a record on condition of matching of all the five items. For example, from the registered application information 106b, applicant identification information about the applicant this time "application name kanji: ○ ○ Taro, birthday: 19 ○ ○ 01/01, phone number: 00-0000-0000, zip code: "0000-0000 and address: xxx prefecture xxx city xxx-xxx" are extracted.

  In the second method, after the record is extracted (ie, the record is extracted according to the method of [3-1]) on condition of the match of any of the above five items, the operator is complete with the applicant this time Is a method of selecting records of the same person. In the case of using the second method, the billing amount acquisition unit 102a and the determination unit 102b can perform the billing amount acquisition and the credit determination as follows.

  Among the records selected by the operator from the extracted records displayed on the screen, the billed amount acquisition unit 102a includes a record including report status identification information (institution not reported) indicating that reporting to the credit information agency has not been completed. Get the billed amount included in.

  Specifically, although not shown, in the registered application information 106b of FIG. 3, as a record of bond No. 0: 0, "application name kanji: ○ ○ Taro, birthday: 19 ○ ○ 01/01, It is assumed that a record having the information of "phone number: 00-0000-0000, zip code: 000-0000, address: xxx prefecture xxx city xxx-xxx and annual bill amount 100,000 yen" is further included. In this case, the billed amount acquisition unit 102 a is used to apply the current application information “Application Name Kanji: ○○ Taro, Birthday: 19 ○○ / 01/01, Telephone Number: 00-0000-0000, Zip Code: 000-0000, and Address. : In addition to the record of Debt No: 1-0 to 0-0 which includes any of the 5 items of 5 items of ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ Records are also extracted, and a total of 11 records will be extracted.

  The eleven records extracted by the billing amount acquisition unit 102a are displayed on the screen as shown in FIG. Among the 11 records shown in FIG. 8, the record including all 5 items of the present application information is only the record of the bond No. 0: 0, so the record of the bond No. 0: 0 is complete with the applicant Is selected by the operator as a record for the same person.

  Assuming that the record of the selected bond No. 0: 0 includes unreported institution, the billed amount acquiring unit 102a acquires an annual billed amount of 100,000 yen included in the record.

  Then, based on the acquired annual billing amount of 100,000 yen, the determination unit 102b performs the credit determination by the method described in [3-2].

  Specifically, from the planned income amount of 6 million yen of the applicant this time, the expected payment amount is 2 million yen for living maintenance expenses, 2.5 million yen for the reported request amount, and 100,000 yen for the acquired unreported request amount. The total amount is reduced to 6 million yen- (2 million yen + 2.50 million yen + 100,000 yen) = 1.4 million yen.

  Since the expected payment amount of ¥ 1,400,000 is equal to or greater than the current application amount of ¥ 1,000,000, the determination unit 102b determines that crediting to the applicant is possible.

  As described above, as described in [3-3], after performing “extraction based on all item matches for the current applicant” or “extraction based on any item match for the current applicant” By performing “refinement by operator”, it is possible to make highly accurate credit judgment based on only the debt information of the same person as the present applicant completely.

[3-4. Summary]
As described above, as described in [3-1] to [3-3], according to the creditworthiness determination apparatus 100 according to the present embodiment, credit information for applicants of credit is notified using debt information before reporting by a credit information agency. It can be determined whether credit is possible. For this reason, for example, credit judgment can be performed more accurately than in the conventional method in which credit judgment is performed based only on credit information agency-reported debt information.

  Also, in the past, the name identification function (the function of associating a new application with an existing customer and registering it as an additional application) was present, but it was not possible to combine credit status to make a credit decision . On the other hand, according to the credit determination apparatus 100 according to the present embodiment, for example, applications (credits) from the same customer are automatically extracted even before the credit information agency report or before the application completion, and the extraction It is possible to prevent excessive lending based on appropriate credit judgments by adding the scheduled annual billed amount of applications (credits) to the debt amount on the credit information agency or the scheduled annual billed amount.

[4. Other embodiments]
The present invention may be practiced in various different embodiments within the scope of the technical idea described in the claims in addition to the embodiments described above.

  For example, among the processes described in the embodiment, all or part of the process described as being automatically performed may be manually performed, or all the processes described as being manually performed. Alternatively, some of them can be performed automatically by known methods.

  In addition, information including processing procedures, control procedures, specific names, registered data of each processing, parameters such as search conditions, screen examples, and database configurations shown in the present specification and the drawings are described unless otherwise specified. Can be changed arbitrarily.

  Further, with regard to the credit determination device 100, each component shown in the drawings is functionally conceptual, and does not necessarily have to be physically configured as shown.

  For example, all or any part of the processing functions of the credit determination device 100, in particular each processing function performed by the control unit, are realized by the CPU and a program executed by the CPU. May also be implemented as wired logic hardware. The program is stored in a non-temporary computer-readable recording medium that includes a programmed instruction for causing the information processing apparatus to execute the processing described in the present embodiment, and creditability determination is performed as necessary. The device 100 is mechanically read. 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). The computer program is executed by being loaded into the RAM, and cooperates with the CPU to configure the control unit.

  The computer program may be stored in an application program server connected to the credit determination device 100 via an arbitrary network, and all or part of the computer program may be downloaded as necessary. It is.

  Further, the program for executing the processing described in the present embodiment may be stored in a non-temporary computer readable recording medium, or may be configured as a program product. Here, the "recording medium" means a memory card, a universal serial bus (USB) memory, a secure digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an erasable programmable read only memory (EPROM), and an EEPROM (registration). Trademarks (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Versatile Disk), and Blu-ray (registered trademark) Disc etc. Any "portable physical media It is intended to include.

  The “program” is a data processing method described in any language or description method, and may be in any format such as source code or binary code. Note that the “program” is not necessarily limited to one that is configured in a single way, and achieves its function in cooperation with a separate program represented by a plurality of modules or libraries or a separate program represented by the OS. Including things. In addition, as a specific configuration and reading procedure for reading the recording medium in each device shown in the embodiment, an installation procedure after reading, and the like, a known configuration and procedure can be used.

  The various databases and the like stored in the storage unit are storage devices such as RAM, memory devices such as ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, etc. Stores programs, tables, databases, files for web pages, etc.

  In addition, the credit determination device 100 may be configured as an information processing device such as a known personal computer or a work station, or may be configured as the information processing device to which any peripheral device is connected. In addition, the credit determination device 100 may be realized by implementing software (including a program or data, etc.) that causes the device to realize the processing described in the present embodiment.

  Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them may be functionally or physically in any unit in accordance with various additions or according to functional load. It can be distributed and integrated. That is, the embodiments described above may be implemented in any combination, and the embodiments may be implemented selectively.

  The present invention is useful, for example, in the industry where many applications from the same customer occur, and in particular, it is extremely useful in the lending industry and the installment transaction industry.

100 Creditability Determination Device 102 Control Unit
102a Billing amount acquisition unit
102b determination unit 104 communication interface unit 106 storage unit
106a this time application information
106b Registered application information
106c Reported application information 108 Input / output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (7)

A credit determination apparatus comprising a control unit and a storage unit
The storage unit
Application information including applicant identification information for identifying applicants for credit, reporting amount identification information indicating that the applicant has billed the applicant and reporting to the credit information agency has been completed, is stored. Yes,
The control unit
Request amount acquisition to acquire the claim amount linked to the applicant identification information for the current applicant who applies for credit this time, and linked to the report status identification information indicating that the report has not been completed, from the application information Means,
A determination unit that determines whether crediting to the current applicant is possible based on the billing amount acquired by the billing amount acquisition unit;
To provide
Credit determination device characterized by. The judging means
From the planned income amount of the current applicant, the living maintenance cost of the current applicant, the billed amount reported to the credit information agency for the applicant, and the billed amount acquired by the billed acquisition means If the value obtained by subtracting the total amount is equal to or more than the application amount of the current applicant, it is determined that credit to the current applicant is possible,
Determining that crediting to the current applicant is not possible if the reduced value is less than the application amount of the current applicant.
The credit determination apparatus according to claim 1, characterized in that The application information has a record including the applicant identification information, the billing amount, and the report status identification information.
The said billed amount acquisition means,
From the application information, extract a record including the applicant identification information for the current applicant,
Obtaining the billed amount included in the record including the report status identification information indicating that the report has not been completed among the extracted records;
The credit decision device according to claim 1 or 2, characterized in that The application information has a record including the applicant identification information, the billing amount, and the report status identification information.
The said billed amount acquisition means,
From the application information, extract a record including the applicant identification information for the current applicant,
Obtaining the billed amount included in the record including the report status identification information indicating that the report has not been completed among the records selected by the operator from the extracted record displayed on the screen;
The credit decision device according to claim 1 or 2, characterized in that The applicant identification information is
The applicant's name, the applicant's birthday, the applicant's telephone number, the applicant's address, and the zip code of the address;
The credit decision device according to any one of claims 1 to 4, characterized in that A credit determination method executed by an information processing apparatus including a control unit and a storage unit, the method comprising:
The storage unit
Application information including applicant identification information for identifying applicants for credit, reporting amount identification information indicating that the applicant has billed the applicant and reporting to the credit information agency has been completed, is stored. Yes,
Executed by the controller
Request amount acquisition to acquire the claim amount linked to the applicant identification information for the current applicant who applies for credit this time, and linked to the report status identification information indicating that the report has not been completed, from the application information Step and
A determination step of determining whether crediting to the current applicant is possible based on the billing amount acquired in the billing amount acquisition step;
Including
A credit decision method characterized by A credit determination program for causing an information processing apparatus including a control unit and a storage unit to execute the program.
The storage unit
Application information including applicant identification information for identifying applicants for credit, reporting amount identification information indicating that the applicant has billed the applicant and reporting to the credit information agency has been completed, is stored. Yes,
For the control unit to execute
Request amount acquisition to acquire the claim amount linked to the applicant identification information for the current applicant who applies for credit this time, and linked to the report status identification information indicating that the report has not been completed, from the application information Step and
A determination step of determining whether crediting to the current applicant is possible based on the billing amount acquired in the billing amount acquisition step;
Including
Credit decision program characterized by

Images