Credit information processing apparatus, credit information processing method, and credit information processing program

Abstract

To improve error confirmation efficiency when an error is returned in registration of credit information on a designated credit information agency.SOLUTION: A credit information processing apparatus includes: error list display means which receives a result file including data on date of acquisition, date of report, contract ID, registered customer type code, registered customer ID, predetermined item, categories indicating pre-registration and post-registration, error warning code indicating error item, and detail code indicating error type, and extracts a list of error data of the result file, to be displayed on a registration error list screen; and detail display means which displays, when an operator selects details from the list of error data on the registration error list screen, data of records in the result file with pre-registration category as pre-registration data, and data of records with post-registration category as post-registration data, by item, on a popup screen, for the selected details.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a credit information processing device, a credit information processing method, and a credit information processing program. [Background technology]

[0002] For example, when dealing in a specific product in the financial industry, it is necessary to register the credit information of the debtor with a designated credit bureau according to the product. Conventionally, a system for registering the credit information of the debtor with a designated credit bureau is known, for example, from Patent Document 1. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2011-76143 Summary of the Invention [Problem to be solved by the invention]

[0004] However, if you register your credit information with a designated credit information agency and it is returned as an error due to an incomplete registration, you will need to correct the data and register it again.

[0005] To identify the cause of the error, users had to check the error details assigned to the returned four-digit code in the specifications, or compare the data before and after registration on a dedicated terminal to check for differences, which was a time-consuming process.As a result, users had to repeat the process of checking each error, correcting the relevant data, and then submitting the file again to register with the designated credit information agency, which took a long time to complete.

[0006] 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 credit information processing program that can streamline error confirmation work when an error is returned during the credit information registration work with a designated credit information agency. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, the present invention provides a credit information processing device that includes a control unit, transmits credit information registration data to a designated credit information agency, and receives a result file returned from the designated credit information agency, wherein the control unit receives a result file including data on the import date and time, report date, contract ID, registered customer type code, registered customer ID, specified items, a before-and-after classification specifying before and after registration, an error warning code indicating an error item, and a detail code indicating the error type, and is characterized by comprising: an error list display means that extracts a list of error data from the result file and displays it on a registration error list screen; and a detail display means that, when an operator selects a detail from the list of error data on the registration error list screen, displays, for the selected detail, on a pop-up screen, the data of the record before registration in the before-and-after classification of the result file as the before-and-after data, and the data of the record after registration in the before-and-after classification as the after-and-after data, arranged by item.

[0008] According to another aspect of the present invention, the control unit is configured to be able to access a code master in which check result codes, which are combinations of error / warning codes and detail codes, are associated with code names and registered, and the detail display means may display, on the pop-up screen, next to the error item, the code name obtained from the code master using the check result code, which is composed of the error / warning code and detail code included in the result file, as a key.

[0009] According to another aspect of the present invention, the control unit is configured to be able to access a check result code master in which check result codes and related item codes are registered in association with each other, and an error / warning check specification that specifies item codes and item names, and the detail display means may, on the pop-up screen, obtain the related item code from the check result code master using the check result code as a key, obtain the item name from the error / warning check specification using the obtained related item code and error / warning code as keys, and identify and display the data of the obtained item name.

[0010] According to another aspect of the present invention, the predetermined items may include the contract date, the deposit classification, the deposit amount, and the remaining installment debt amount.

[0011] In addition, in order to solve the above-mentioned problems and achieve the object, the present invention is a credit information processing method executed by an information processing device equipped with a control unit, characterized in that it includes an error list display process executed by the control unit to receive a result file containing data of the import date and time, report date, contract ID, registered customer type code, registered customer ID, specified items, before-and-after classification specifying before and after registration, error warning code indicating error item, and detail code indicating error type, extracting a list of error data from the result file and displaying it on a registration error list screen, and a detail display process when an operator selects a detail from the list of error data on the registration error list screen, and for the selected detail, displaying the data of the record before registration in the before-and-after classification of the result file as pre-registration data and the data of the record after registration in the before-and-after classification as post-registration data, arranged by item, on a pop-up screen.

[0012] In addition, in order to solve the above-mentioned problems and achieve the object, the present invention is a credit information processing program to be executed by an information processing device having a control unit, which is characterized by having the control unit execute an error list display process of receiving a result file including data on the import date and time, report date, contract ID, registered customer type code, registered customer ID, specified items, before-and-after classification specifying before and after registration, error warning code indicating error item, and detail code indicating error type, extracting a list of error data from the result file and displaying it on a registration error list screen, and a detail display process of, when an operator selects a detail from the list of error data on the registration error list screen, displaying the selected detail on a pop-up screen, with the before-and-after classification of the result file as pre-registration data and the after-and-after classification as post-registration data, arranged by item. [Effects of the Invention]

[0013] According to the present invention, it is possible to improve the efficiency of error checking work when an error is returned in the work of registering credit information with a designated credit information agency. [Brief explanation of the drawings]

[0014] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of a credit information processing device according to this embodiment. [Figure 2] FIG. 2 is a diagram illustrating an example of the configuration of the code master. [Figure 3] FIG. 3 is a diagram illustrating an example of the configuration of the check result code master. [Figure 4] FIG. 4 is a diagram showing an example of the structure of an error / warning check specification. [Figure 5] FIG. 5 is a diagram showing a flow for explaining an outline of the overall processing of the control unit of the credit information processing device according to this embodiment. [Figure 6] FIG. 6 is a diagram for explaining a specific example of the process of the control unit of the credit information processing device according to the present embodiment. [Figure 7] FIG. 7 is a diagram for explaining a specific example of the process of the control unit of the credit information processing device according to the present embodiment. [Figure 8] FIG. 8 is a diagram for explaining a specific example of the process of the control unit of the credit information processing device according to the present embodiment. [Figure 9] FIG. 9 is a diagram for explaining a specific example of the process of the control unit of the credit information processing device according to the present embodiment. [Figure 10] FIG. 10 is a diagram for explaining a specific example of the process of the control unit of the credit information processing device according to the present embodiment. [Figure 11] FIG. 11 is a diagram for explaining a specific example of the process of the control unit of the credit information processing device according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0015] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to this embodiment.

[0016] [1. Overview] The outline of the present invention will be explained in the order of "1-1. Problem," "1-2. Solution," and "1-3. Effects."

[0017] [1-1. Issues] When dealing with specific products in the financial industry, the debtor's credit information must be registered with a designated credit bureau depending on the product. If credit information is registered with a designated credit bureau and returned with an error due to an incomplete registration, the data must be corrected and registered again.

[0018] The error data returned by the designated credit information agency is a fixed-length file, and the error details are expressed in four digits, combining a two-digit "error / warning code" that indicates the item in question and a two-digit "detail code" that outlines the error. In order to identify the cause of the error, it is necessary to check the error details assigned to the returned four-digit code in the specifications, or to compare the data before and after registration on a dedicated terminal to check for differences, which makes checking the error details time-consuming.

[0019] This means that it is necessary to repeat the process of checking for errors one by one, correcting the relevant data, and then submitting the file again to register with the designated credit information agency, which takes a long time to complete the credit information registration.

[0020] [1-2. Solution] In this embodiment, in order to efficiently check the error content, the data before and after registration with the designated credit information agency are displayed side by side (for example, side by side) on a pop-up screen, making it possible to compare the data before and after registration without using a dedicated terminal.

[0021] Furthermore, in this embodiment, an error message (code name) is displayed next to the item in error on the pop-up screen, thereby improving the visibility of items that require data correction.

[0022] Furthermore, in this embodiment, by distinguishably displaying (for example, displaying in red) not only the item in question but also the text of related items, it is made easy to notice that an error has occurred due to a change in another item even if there is no change between the same items.

[0023] [1-3.Effects] In this embodiment, it is possible to improve the efficiency of error confirmation work when an error is returned in the credit information registration work with the designated credit bureau. This makes it possible to improve the efficiency of a series of work such as importing the error file returned from the designated credit bureau, checking the error content, correcting the registered data, and re-registering with the designated credit bureau.

[0024] The present invention is widely applicable to the financial industry, in which customer credit information is registered with designated credit information agencies.

[0025] [2. Configuration] An example of the configuration of the credit information processing device according to this embodiment will be described with reference to Fig. 1. Fig. 1 is a block diagram showing an example of the configuration of the credit information processing device according to this embodiment.

[0026] The credit information processing device 100 is a commercially available desktop personal computer. The credit information processing device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0027] The credit information processing device 100 comprises a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. The units of the credit information processing device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0028] The communication interface unit 104 communicably connects the credit information processing device 100 to a 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 has a function of communicably connecting the credit information processing device 100 with the designated credit information agency system 400... and the server 200, for example, the Internet or a LAN (Local Area Network).

[0029] The designated credit bureau system 400 is a system of the designated credit bureau. The credit information processing device 100 is configured to be able to communicate data with the designated credit bureau system 400 via the network 300. The credit information processing device 100 accesses the designated credit bureau system 400 to register credit information, correct errors, make inquiries, etc.

[0030] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 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 functions as a pointing device in cooperation with a mouse. 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.

[0031] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs that work in conjunction with an OS (Operating System) to issue commands to a CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. The storage unit 106 can be, 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.

[0032] The storage unit 106 also includes a code master 106a, a check result code master 106b, an error / warning check specification 106c, and a data table 106d. Fig. 2 shows an example of the configuration of the code master 106a. Fig. 3 shows an example of the configuration of the check result code master 106b, and Fig. 4 shows an example of the configuration of the error / warning check specification 106c.

[0033] The code master 106a is a master for storing code names corresponding to four-digit codes that combine an "error / warning code" that indicates the error item and a "detail code" that indicates the type of error. As shown in Figure 2, the code master 106a can be configured as a table or the like that associates and registers check result codes, which are four-digit codes that combine the "error / warning code" and "detail code" of the registered detailed result data in the result file sent from the designated credit information agency (the "error / warning code" is the first two digits and the "detail code" is the last two digits), with code names (also called "error name," "error content," or "error message"). In the example shown in the figure, the first line contains the check result code "8073" and the code name "There is an irregularity in the remaining installment balance."

[0034] The check result code master 106b is a master for holding item codes related to check result codes, and can be configured as a table or the like in which check result codes and related item codes are registered in association with each other, as shown in Fig. 3. The item codes are the codes defined in the error and warning check specification 106c received from the designated credit information agency. In the example shown in the figure, the related item codes for the check result code "8073" are "41" and "43".

[0035] The error / warning check specification 106c is obtained from a designated credit information agency, and specifies item codes and corresponding item names as shown in Fig. 4. In the example shown in the figure, the first line has item code "41" and item name "deposit classification," the second line has item code "43" and item name "deposit amount," and the third line has item code "80" and item name "remaining installment amount."

[0036] Data table 106d is a table for storing registration data of credit information to be registered in the designated credit information agency system 400, registration result detail data of the result file returned from the designated credit information agency system 400 in response to the registration data of credit information registered in the designated credit information agency system 400, etc.

[0037] The registered data may include common items (registered customer type code, registered customer ID, reporting date), basic requirements (name in kana, name in kanji, date of birth, address), contract requirements (contract ID (number), contract date), credit file requirements (deposit category, deposit amount, remaining installment balance), etc.

[0038] The registration result detail data may include the registration data plus the import date and time, before / after classification (1: before registration, 2: after registration), error / warning code, detailed code, etc.

[0039] 1, the control unit 102 is a CPU or the like that performs 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, required data, etc., and executes various information processing based on these stored programs.

[0040] The control unit 102 is configured to be able to access the code master 106a, the check result code master 106b, the error / warning check specification 106c, and the data table 106d stored in the storage unit 106. Note that the code master 106a, the check result code master 106b, the error / warning check specification 106c, and the data table 106d may be provided in another location (for example, the server 200) as long as the control unit 102 is able to access them.

[0041] The control unit 102 conceptually includes a data registration unit 102a, an error list display unit 102b, a details display unit 102c, an error correction unit 102d, a screen display control unit 102e, and a master maintenance unit 102f.

[0042] For example, in response to an operator's operation on a registration input screen (not shown) displayed on monitor 114, data registration unit 102a inputs registration data for credit information, stores it in data table 106d, creates a file of the registration data (for example, a text file), and then transmits the file of the registration data to designated credit bureau system 400. Designated credit bureau system 400 imports and saves the registration data, and returns the resulting file.

[0043] The error list display unit 102b receives a result file from the designated credit information agency system 400, and stores the registration result detail data of the result file in the data table 106d. For example, the error list display unit 102b extracts and displays, on a registration error list screen displayed on the monitor 114, data that is subject to errors in the registration result detail data (import date and time, report date, contract ID, registered customer type code, registered customer ID, name in kana, name in kanji, date of birth, etc.).

[0044] The error list display unit 102b may extract and display error data from the registration result detail data on the registration error list screen using the specified import date and time as a search condition.

[0045] The error list display unit 102b may display, on the registration error list screen, a check result code that combines the error / warning code and detail code of the registration result detail data, and a code name obtained from the code master 106a using the check result code as a key.

[0046] When the operator selects a detail from the list of data that is the subject of an error on the registration error list screen and presses the details button, the details display unit 102c displays, for the selected detail, the data of records in the result file whose preceding and following categories are "before registration" as pre-registration data and the data of records whose preceding and following categories are "after registration" as post-registration data, arranged by item in the registration result detail dialog (pop-up screen).

[0047] In the registration result details dialog, the detail display unit 102c may display the code name obtained from the code master 106a next to the error item using the check result code, which is composed of the error / warning code and detail code contained in the result file, as a key.

[0048] In the registration result details dialog, the detailed display unit 102c may obtain the related item code from the check result code master 106b using the check result code as a key, obtain the item name from the error / warning check specification 106c using the obtained related item code and the error / warning code as keys, and display the data of the obtained item name in an identifiable manner (for example, by displaying it in red).

[0049] When the operator selects a statement from the list of data containing an error on the registration error list screen and presses the correction button, the error correction unit 102d displays a registration input screen for correcting the registered data of the selected statement on the monitor 114. Specifically, the error correction unit 102d displays the registration input screen, and reads and displays the registered data from the data table 106d using the report date, contract ID, registered customer type code, and registered customer ID of the selected statement as keys.

[0050] In this case, the error correction unit 102d may use the error warning code as a key to obtain the item name from the error warning check specification 106c, and identifiably display the data of the obtained item name so that the error item can be easily identified.

[0051] The error correction unit 102d corrects the registration data in response to the operator's operation on the registration input screen, and transmits the file of the corrected registration data to the designated credit bureau system 400.

[0052] The screen display control unit 102e controls the display and input of various screens (for example, a master maintenance screen, a registration input screen, a registration error list screen, a registration result detail dialog, etc.) displayed on the monitor 114.

[0053] The master maintenance unit 102f performs settings such as inputting, adding, deleting, and editing data for the code master 106a and the check result code master 106b in response to, for example, an operator's operation on the master maintenance screen displayed on the monitor 114.

[0054] [3. Specific Examples] A specific example of the processing by the control unit 102 of the credit information processing device 100 in this embodiment will be described with reference to Fig. 1 to Fig. 11. Fig. 5 to Fig. 11 are diagrams for explaining a specific example of the processing by the control unit 102 of the credit information processing device 100 in this embodiment. An outline of the overall processing by the control unit 102 of the credit information processing device 100 in this embodiment will be described with reference to Fig. 5. Fig. 5 is a diagram showing a flow for explaining an outline of the overall processing by the credit information processing device 100 in this embodiment.

[0055] [3-1. Overall processing] 5, the flow of registering and correcting credit information in the designated credit bureau system 400 will be described. In this embodiment, the error confirmation process is made more efficient by making it possible to check the details of errors in the result file returned from the designated credit bureau system 400 in a registration result details dialog (dialog screen).

[0056] 4, data registration unit 102a inputs registration data for credit information in response to, for example, an operator's operation on a registration input screen displayed on monitor 114, stores the input data in data table 106d (step S1), creates a file of the registration data (for example, a text file) (step S2), and then transmits the file of the registration data to designated credit bureau system 400 (step S3). Designated credit bureau system 400 saves the file of the registration data and returns a result file.

[0057] The error list display unit 102b receives the result file from the designated credit information agency system 400 (step S4), determines whether the result file contains any error data (steps S5 and S6), and if there is no error data, completes the registration process (step S7). For example, the process may be repeated until no error data is returned for each cycle, completing one cycle within a few days.

[0058] If there is data that is subject to an error, the error list display unit 102b displays a list of the data that is subject to an error on a registration error list screen, and when the operator selects details from the list of data that is subject to an error on the registration error list screen and presses the details button, the details display unit 102c launches a registration result details dialog and displays, for the selected details, data from records in the result file with a preceding and following classification of "before registration" as pre-registration data and data from records with a preceding and following classification of "after registration" as post-registration data, arranged by item (step S8).

[0059] In this way, on the registration error list screen, it is possible to check the error content of the result file returned from the designated credit information agency system 400. Furthermore, by selecting a detail from the registration error list screen and pressing the details button, it is possible to launch the registration result detail dialog and check the details of the error content.

[0060] After checking the details of the error, close the registration result details dialog and return to the registration error list screen. Select the details you want to correct from the registration error list screen and press the Edit button to move to the registration input screen and correct the registration data.

[0061] When the operator selects a detail (data) from the list of data that is subject to an error on the registration error list screen and presses the correction button, the error correction unit 102d displays a registration input screen for correcting the registration data of the selected detail, corrects the registration data in accordance with the operator's operation on the registration input screen (step S1), and sends a file of the corrected registration data to the designated credit information agency system 400 (steps S2, 3).

[0062] The designated credit information agency system 400 saves the file of the corrected registered data, returns the result file, and executes the same processing (steps S1 to S6, S8) until there is no more data containing errors.

[0063] [3-2. Sample data] 6 to 11 are diagrams showing sample data for explaining a specific example of the processing by the control unit 102 of the credit information processing device 100 according to the present embodiment. A specific example of the processing by the control unit 102 of the credit information processing device 100 according to the present embodiment will be described with reference to FIGS.

[0064] (Screen flow example) The process from displaying the error data in the result file returned from the designated credit bureau to checking the error details will be described with reference to Figures 6 and 7. Figures 6 and 7 show an example of the screen flow.

[0065] <Registration error list screen> 6 shows an example of the display of a registration error list screen 500. The registration error list screen 500 includes a search area 501 for specifying search conditions for the import date and time, an error list display area 502 for extracting and displaying data that has errors (for which error / warning codes have been set) according to the search conditions from the registration result detail data in the result file returned from the designated credit information agency, a display button for displaying a list of data that has errors in the error list display area 502, a correction button for transitioning to the registration input screen, and a details button for displaying details of the data that has errors.

[0066] The error list display area 502 has fields such as import date and time, registered customer type, contract number, registered customer ID, name in kana, name in kanji, date of birth, report date, and check result code. The "check result code" is a four-digit code that combines the "error / warning code (first two digits)" and "detail code (last two digits)" from the registration result detail data. The "check result code" field displays the check result code and the code name corresponding to the check result code. The code name is obtained from the code master 106a using the check result code as a key and displayed.

[0067] The error list display area 502 displays data that has an error extracted from the registration result detail data of the result file returned from the designated credit information agency. The error list display area 502 displays only records in the "2: After registration" category of the registration result detail data. In the search area 501, the most recent registration result can be displayed by extracting the import date and time as a search condition. The details of the error can be confirmed by referring to the check result code and code name. Selecting the detail (data) that has an error in the error list display area 502 and pressing the details button will launch the registration result detail dialog 600.

[0068] In the example shown in Figure 6, the import date and time "2023 / 11 / 30" is specified in search area 501 and the display button is pressed. The registration result detail data (see Figure 9) is referenced, and the following are displayed in error list display area 502: report date "2023 / 11 / 15," registered customer type code "1: principal debtor," contract ID "2220000002," registered customer "ID111000001," name in kana "Tanaka Taro," name in kanji "Tanaka Taro," date of birth "1990 / 01 / 01," report date "2023 / 11 / 15," check result code 1 "2801: There is an error in the contract date," and check result code 2 "8073: There is an error in the remaining installment amount." For example, in the case of "2801: There is an error in the contract date," the results are [28: contract date] and [01: single error]. Previously, operators had to directly check the meaning of the four-digit result code by referring to the error and warning check specifications received from the designated credit information agency.

[0069] When the details on the first line are selected and the details button is pressed, a registration result details dialog box 600 such as that shown in FIG. 7 is launched.

[0070] <Registration result details dialog> FIG. 7 is a diagram showing an example of the display of the registration result detail dialog 600. In the registration result detail dialog 600, for the selected detail, the data of records in the registration result detail data of the result file with a preceding / following division of "before registration" is displayed as pre-registration data, and the data of records with a preceding / following division of "after registration" is displayed side by side for each item. Furthermore, the code name obtained from the code master 106a is displayed next to the error item using the check result code, which is composed of the error / warning code and detail code of the registration result detail data of the result file, as a key. Furthermore, the related item code is obtained from the check result code master 106b using the check result code as a key, and the item name is obtained from the error / warning check specification 106c using the obtained related item code as a key, and the data of the obtained item name is displayed in an identifiable manner (for example, displayed in red).

[0071] In the example shown in the figure, data before registration, data after registration, and check results (code and name) are displayed for items such as name in kana, contract date, deposit category, deposit amount, remaining installment debt, etc. "Deposit category" is a category that indicates the type of deposit made by the debtor, for example, "$: full amount deposited," "P: partial deposit," or "A: unpaid."

[0072] In the registration result details dialog 600, data before and after registration can be compared side by side for each item. An error message (code name) is displayed next to the item that corresponds to the check result code, allowing you to immediately check the error content. Not only the corresponding item but also related items are displayed in a distinctive manner (for example, in red text), making it easy to identify items related to the error.

[0073] (1) If the check result is "2801: There is an error in the contract date," an error is returned because the "contract date" is set to H32 (Heisei 32), which is an invalid date. The content of the error is displayed next to the "contract date," which is the item in question.

[0074] (2) If the check result is "8073: There is an error in the remaining installment balance," an error is returned because the invalid value "1000" is registered in the "remaining installment balance." The content of the error is displayed next to the "remaining installment balance," which is the item in question. The error-related items "payment classification" and "payment amount" are also displayed in a distinctive way (for example, in red).

[0075] (Example data) An example of data processing will be described with reference to Fig. 8 to Fig. 10. Fig. 8 to Fig. 10 show an example of data, which corresponds to the data of each screen in Fig. 6 and Fig. 7.

[0076] <Registration error list screen> When the import button is pressed on the registration error data import screen (not shown), the registration result detail data of the result file received from the designated credit bureau is stored in the data table 106d. Fig. 8 shows an example of the registration result detail data (with key parts removed) displayed on the registration error list screen.

[0077] The registration result detail data includes items such as import date and time, report date, contract ID, registered customer type code (1: principal debtor, 2: joint debtor, 3: guarantor), registered customer ID, name in kana, contract date, deposit category, deposit amount, remaining installment debt amount, before and after category (1: data before registration, 2: data after registration), error / warning codes 1 to 5, and detail codes 1 to 5. Error / warning codes 1 to 5 correspond to detail codes 1 to 5 respectively.

[0078] The registration result detail data also includes items such as contract requirements and credit file requirements, but these will not be used in this explanation and will be omitted.

[0079] The data in the result file is returned as a set of two records, one before and one after registration, showing how the data registered at the designated credit information agency has changed. Before and after registration can be distinguished by a before and after category, with records in before and after category "1" being pre-registration data and records in before and after category "2" being post-registration data. The registration error list screen 500 displays only records in before and after category "2 (after registration)". In the example of registration result detail data shown in Figure 8, only records in before and after category "2 (after registration)" are shown.

[0080] In the example shown in the figure, the import date and time are "2023 / 11 / 15", report date "2023 / 11 / 15", contract ID "2220000002", registered customer type code "1: Principal debtor", registered customer "111000001", name in kana "Tanaka Taro", contract date "H321101", payment classification "A: Unpaid", payment amount "0", remaining installment balance "1000", before / after classification "2: After registration", error / warning code 1 "28", error / warning code 2 "80", detail code 1 "01", detail code 2 "73".

[0081] <Registration result details dialog> Fig. 9 shows an example of registration result detail data displayed in the registration result detail dialog. The registration result detail data shown in Fig. 9 shows records with the preceding and following categories "1: before registration" and "2: after registration". In the registration result detail dialog 600, the data of records with the preceding and following category of the registration result detail data as "before registration" is displayed horizontally for each item as pre-registration data, and the data of records with the preceding and following category as "after registration" is displayed horizontally for each item.

[0082] When modifying registered data on the registration input screen, the registered data can be read out and displayed from data table 106d using the report date, contract ID, registered customer type code, and registered customer ID of the selected details as key items, and the registered data can be modified.

[0083] <Master setting example> Fig. 10 is a diagram for explaining the relationship between a master setting example and the display of the registration result detail dialog 600. Fig. 10(A) shows a setting example of the code master 106a, Fig. 10(B) shows a setting example of the check result code master 106b, Fig. 10(C) shows a setting example of the error / warning check specification 106c, and Fig. 10(D) shows a display example of the registration result detail dialog 600.

[0084] The code master 106a shown in Figure 10(A) uses the check result code "8073" consisting of the error / warning code "80" and detail code "73" in the registration result detail data of the result file as a key to obtain the code name "There is an irregularity in the remaining installment debt amount.", which is displayed next to the error item "Remaining installment debt amount" in the registration result detail dialog 600 shown in Figure 10(D).

[0085] In the check result code master 106b shown in FIG. 10(B), the related item codes "41" and "43" are obtained using the check result code "8073" as a key.

[0086] The error / warning check specification 106c shown in Figure 10(C) uses the acquired related item codes "41" and "43" and the error / warning code "80" as keys to acquire the item names "Deposit Category," "Deposit Amount," and "Remaining Installment Amount" from the error / warning check specification 106c, and the data for the items "Deposit Category," "Deposit Amount," and "Remaining Installment Amount" in the registration result details dialog 600 shown in Figure 10(D) are displayed in an identifiable manner (for example, in red).

[0087] (The advantage of being able to view data before and after registration) As described above, in this embodiment, pre-registration data, which are records with the before-and-after category of the registration result detail data in the result file, and post-registration data, which are records with the before-and-after category of the registration result detail data in the result file, are displayed side by side for each item in the registration result detail dialog 600. The advantage of being able to display data before and after registration will be described with reference to Fig. 11.

[0088] Data registration with the designated credit bureau can also be performed from a terminal dedicated to the designated credit bureau (hereinafter referred to as the "dedicated terminal"). When data is registered using a dedicated terminal, the data that the user can view may not match the data registered with the designated credit bureau. Errors caused by data mismatches are difficult to identify, and it was previously necessary to check on the dedicated terminal or to inquire directly with the designated credit bureau. In this embodiment, the registration result details dialog allows for a side-by-side comparison of data before and after registration at the designated credit bureau, making it easier to identify the cause of the error.

[0089] In the figure, the left side shows an example of data on the user (credit information processing device 100) side, and the right side shows an example of data on the designated credit information agency side.

[0090] In this example, on the user's (credit information processing device 100) side, the remaining installment balance before registration was 1,000 yen, and since the payment category this time is unpaid, the remaining installment balance is not reduced and remains at 1,000 yen even after registration. Looking only at the data on the user's side, the data has been registered correctly.

[0091] On the other hand, on the designated credit information agency's side, the remaining installment balance before registration was 900 yen, and in this case the payment category was unpaid, so the remaining installment balance will not be reduced and should remain at 900 yen even after registration, but because a remaining installment balance of 1,000 yen was registered, there is a data inconsistency and an error is returned.

[0092] Because it is not possible to recognize data updates from the dedicated terminal, there are cases where discrepancies occur between the data registered on the user's side and the designated credit bureau's side. As a result, even if the user has registered the correct data, the designated credit bureau may have a data inconsistency and return an error.

[0093] In this embodiment, it is possible to check the data registered with the designated credit bureau side by side before and after registration using the registration result details dialog 600. In this example, by comparing the data before and after registration, it is possible to determine that there is a mismatch in the deposit classification, deposit amount, and remaining installment debt amount.

[0094] As described above, according to this embodiment, an error list display unit 102b receives a result file including data on the import date and time, report date, contract ID, registered customer type code, registered customer ID, specified items, before-and-after category specifying before and after registration, error / warning code indicating the error item, and detail code indicating the error type, extracts a list of error data from the result file and displays it on a registration error list screen, and a detail display unit 102c, when an operator selects a detail from the list of error data on the registration error list screen, displays, for the selected detail, on a pop-up screen, data of records before registration in the before-and-after category of the result file as pre-registration data and data of records after registration in the before-and-after category as post-registration data, arranged by item. This makes it possible to streamline error confirmation work when an error is returned in the credit information registration work to the designated credit information agency.

[0095] [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 contributing to the achievement of SDGs Goals 8 and 9.

[0096] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0097] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0098] 5. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0099] 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 known methods.

[0100] Furthermore, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed as desired unless otherwise specified.

[0101] Furthermore, with regard to the credit information processing device 100, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0102] For example, all or any part of the processing functions of the credit information processing device 100, particularly the processing functions performed by the control unit, may be implemented by a CPU and a program interpreted and executed by the CPU, or may be implemented as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing 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 needed. That is, a computer program for providing 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.

[0103] 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 all or part of it may be downloaded as needed.

[0104] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium or configured as a program product. Here, the term "recording medium" includes any "portable physical medium" such as 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), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0105] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. 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.

[0106] The various databases stored in the memory unit are storage means 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.

[0107] 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 also be realized by installing software (including programs or data) that causes the device to realize the processing described in this embodiment.

[0108] 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 can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Explanation of symbols]

[0109] 100 Credit information processing device 102 Control section 102a Data Registration Section 102b Error list display section 102c Detail display section 102d Error Correction Section 102e Screen display control unit 102f Master Maintenance Department 104 Communication interface unit 106 Storage section 106a Code Master 106b Check result code master 106c Error and Warning Check Specifications 106d Data Table 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network 400 Designated Credit Information Agency System 500 Registration Error List Screen 600 Registration result details dialog

Claims

1. A credit information processing device that includes a control unit, transmits registered credit information data to a designated credit information agency, and receives a result file returned from the designated credit information agency, The control unit an error list display means for receiving a result file containing data on the import date and time, the report date, the contract ID, the registered customer type code, the registered customer ID, predetermined items, a division specifying before and after registration, an error / warning code indicating an error item, and a detailed code indicating the type of error, and extracting a list of the data subject to errors from the result file and displaying it on a registration error list screen; a detailed display means for displaying, when an operator selects a detail from the list of error data on the registration error list screen, a pop-up screen for the selected detail, in which data of records before registration in the preceding and following categories of the result file are displayed as pre-registration data and data of records after registration in the preceding and following categories are displayed as post-registration data, arranged by item; A credit information processing device comprising:

2. The control unit It is configured to allow access to the check result code, which is a combination of error / warning codes and detailed codes, and the code master, which is registered by associating the code name. The credit information processing device described in claim 1, characterized in that the detail display means displays, on the pop-up screen, the code name obtained from the code master using a check result code consisting of an error / warning code and a detail code contained in the result file as a key, next to the error item.

3. The control unit A check result code master in which check result codes and related item codes are associated and registered; An error / warning check specification that specifies the item code and item name, It is configured to be accessible to The credit information processing device described in claim 1, characterized in that the detailed display means, on the pop-up screen, obtains a related item code from the check result code master using the check result code as a key, obtains item names from the error / warning check specification using the obtained related item code and the error / warning code as keys, and displays the data of the obtained item names in an identified manner.

4. 4. The credit information processing device according to claim 1, wherein the predetermined items include a contract date, a deposit category, a deposit amount, and an amount of remaining installment debt.

5. A credit information processing method executed by an information processing device having a control unit, Executed in the control unit: an error list display process for receiving a result file containing data on the import date and time, the report date, the contract ID, the registered customer type code, the registered customer ID, predetermined items, a division specifying before and after registration, an error / warning code indicating an error item, and a detailed code indicating the type of error, and extracting a list of the data subject to errors from the result file and displaying it on a registration error list screen; a detailed display step of, when an operator selects a detail from the list of error data on the registration error list screen, displaying, for the selected detail, a pop-up screen in which data of records before registration in the preceding and following categories of the result file are displayed as pre-registration data and data of records after registration in the preceding and following categories are displayed as post-registration data, arranged by item; A credit information processing method comprising:

6. A credit information processing program to be executed by an information processing device having a control unit, The control unit an error list display process for receiving a result file containing data on the import date and time, the report date, the contract ID, the registered customer type code, the registered customer ID, predetermined items, a division specifying before and after registration, an error / warning code indicating an error item, and a detailed code indicating the type of error, and extracting a list of the data subject to errors from the result file and displaying it on a registration error list screen; a detailed display step of, when an operator selects a detail from the list of error data on the registration error list screen, displaying, for the selected detail, a pop-up screen in which data of records before registration in the preceding and following categories of the result file are displayed as pre-registration data and data of records after registration in the preceding and following categories are displayed as post-registration data, arranged by item; A credit information processing program for executing the above.

Images