Inquiry device, inquiry program, and inquiry method

Abstract

To provide an inquiry device and the like that are capable of reducing a burden of an operator who examines financing.SOLUTION: A control unit of an inquiry device comprises: inquiry means that performs inquiry of debtor's credit information to a plurality of personal credit information organizations and acquires a plurality of inquiry result data; display control means that decrypts data to be decrypted, in accordance with a predetermined configuration which relates to an object to be decrypted and includes a contract date and a borrowing amount, from each of the inquiry result data acquired by the inquiry means and that displays acquired multiple decrypted result data on a screen; determination means that identifies the multiple decrypted result data whose contract dates and borrowing amounts are respectively the same on the basis of a display content of the screen and that determines, as data in which duplication is removed, the decrypted result data except the decrypted result data whose priority is the highest in accordance with a predetermined configuration related to a priority condition from the identified multiple decrypted result data.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an inquiry device, an inquiry program, and an inquiry method. [Background technology]

[0002] Traditionally, when conducting loan screening, it is necessary to confirm the amount of borrowings the customer has made with other companies and the history of past defaults. Such information is handled by personal credit information agencies (hereinafter referred to as credit information agencies). Well-known credit information agencies include CIC, JICC, and KSC.

[0003] In addition, in order to conduct lending business, financial institutions are required by law to be affiliated with at least one credit information agency. However, since the scope of business handled by each credit information agency varies, some financial institutions may be affiliated with multiple credit information agencies.

[0004] When a financial institution becomes a member of a credit information agency, it is obligated to report (register) the details of the credit contract and transaction details. If a financial institution is a member of multiple credit information agencies, it must report the same information to all of the credit information agencies to which it is a member. As a result, information on the same credit will exist duplicated within each credit information agency.

[0005] Patent Document 1 describes a loan management device that can automatically list loans that are at risk of exceeding the total amount limit and rewrite credit limits based on the results of inquiries from credit information agencies. [Prior art documents] [Patent documents]

[0006] [Patent Document 1] JP 2019-114101 A Summary of the Invention [Problem to be solved by the invention]

[0007] When conducting loan screening, operators need to make inquiries to separate systems for each credit bureau. Furthermore, operators need to compare the results of inquiries, delete duplicate claims, and consolidate information from each credit bureau, which is a time-consuming process.

[0008] The present invention has been made in consideration of the above, and has an object to provide an inquiry device, an inquiry program, and an inquiry method that can reduce the burden on an operator who performs loan screening. [Means for solving the problem]

[0009] In order to solve the above-mentioned problems and achieve the object, the inquiry device of the present invention is an inquiry device equipped with a control unit, the control unit comprising: inquiry means for making an inquiry about credit information of a debtor to a plurality of personal credit information agencies and acquiring a plurality of inquiry result data provided by the plurality of personal credit information agencies; display control means for decrypting data of the decryption target from each of the inquiry result data acquired by the inquiry means in accordance with predetermined settings related to the decryption target, the settings including a contract date and a loan amount, and displaying the obtained plurality of decryption result data on a screen; and display control means for identifying, from the display contents of the screen, a plurality of the decryption result data in which the data of the contract date and the loan amount are the same, and determining from the identified plurality of the decryption result data: According to the priority conditions set by the earliest application date or the order of credit bureaus, and a determining means for determining the decryption result data other than the decryption result data having the highest priority as a target for deduplication.

[0010] Further, an inquiry program according to the present invention is a program for causing a control unit of an inquiry device having a control unit to execute the program, which includes an inquiry step of making an inquiry about a debtor's credit information to a plurality of personal credit information agencies and acquiring a plurality of inquiry result data provided by the plurality of personal credit information agencies, a display control step of decrypting data of the object of decryption from each of the inquiry result data acquired in the inquiry step according to a predetermined setting related to the object of decryption, the setting including a contract date and a loan amount, and displaying the obtained plurality of decryption result data on a screen, and a display control step of identifying a plurality of the decryption result data having the same data for the contract date and the loan amount from the display contents of the screen, and determining from the identified plurality of the decryption result data, According to the priority conditions set by the earliest application date or the order of credit bureaus, and determining that the decryption result data other than the decryption result data having the highest priority is to be subject to deduplication.

[0011] Furthermore, the inquiry method according to the present invention includes an inquiry step executed by a control unit of an inquiry device equipped with a control unit, inquiring about the credit information of a debtor to a plurality of personal credit information agencies and acquiring a plurality of inquiry result data provided by the plurality of personal credit information agencies; a display control step of decrypting data of the object of decryption from each of the inquiry result data acquired in the inquiry step according to a predetermined setting related to the object of decryption, the setting including a contract date and a loan amount, and displaying the obtained plurality of decryption result data on a screen; and a display control step of identifying, from the display contents on the screen, a plurality of the decryption result data in which the data of the contract date and the data of the loan amount are the same, and determining from the identified plurality of the decryption result data: According to the priority conditions set by the earliest application date or the order of credit bureaus, and a determining step of determining the decryption result data other than the decryption result data having the highest priority as a target for deduplication. Effect of the Invention

[0012] The present invention has an effect of reducing the burden on an operator who performs loan screening. [Brief description of the drawings]

[0013] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration of an inquiry device. [Diagram 2] FIG. 2 is a flowchart illustrating an example of a procedure for a credit decision process. [Diagram 3] FIG. 3 is a diagram showing an example of the screen. [Figure 4] FIG. 4 is a diagram showing an example of the data configuration of the CIC inquiry result. [Diagram 5] FIG. 5 is a diagram showing an example of the data structure of the JICC inquiry result. [Figure 6] FIG. 6 is a diagram showing an example of the data configuration of the KSC inquiry result. [Figure 7] FIG. 7 is a diagram illustrating an example of a data configuration of the decoding item control master. [Figure 8] FIG. 8 is a diagram showing an example of a screen displaying the decryption result. [Figure 9] FIG. 9 is a diagram showing an example of the entire display screen. [Figure 10] FIG. 10 is a diagram showing an example of the entire display screen. [Figure 11] FIG. 11 is a diagram showing an example of a screen displaying the decryption result. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of an inquiry device, an inquiry program, and an inquiry method according to the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to the embodiment.

[0015] [1. Configuration] An example of the configuration of an inquiry device according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a diagram showing an example of the configuration of an inquiry device.

[0016] When conducting a loan review, the inquiry device 100 performs a batch inquiry to each credit information agency in response to an operator's operation. Furthermore, the inquiry device 100 sets priorities for the inquiry results and determines that the inquiry results with low priorities are to be subject to deduplication. The inquiry device 100 then aggregates the inquiry results excluding the deduplication. As a result, the operator can easily and appropriately grasp the deduplication and make a credit decision, thereby reducing the burden on the operator conducting the loan review.

[0017] The inquiry device 100 is a commercially available desktop personal computer. The inquiry device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may be a portable information processing device such as a commercially available notebook personal computer, a PDA (Personal Digital Assistant), a smartphone, or a tablet personal computer.

[0018] The inquiry device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each unit included in the inquiry device 100 is communicably connected via an arbitrary communication path.

[0019] The communication interface unit 104 communicably connects the inquiry device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the inquiry device 100 and the server 200 to be able to communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Note that the inquiry device 100 is connected to three servers 200 corresponding to the CIC, JICC, and KSC, respectively, via the network 300. Also, the data stored in the storage unit 106 may be stored in the server 200, for example.

[0020] 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 cooperates with a mouse to realize a pointing device function. In the following, the output device 114 may be referred to as the monitor 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0021] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs for cooperating with an OS (Operating System) to give instructions to a CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. For example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used as the storage unit 106.

[0022] The storage unit 106 includes query result data 106a and decryption result data 106b.

[0023] The inquiry result data 106a is data provided by each credit information agency in response to an inquiry about the credit information of the debtor made to each credit information agency.

[0024] The decryption result data 106b is data obtained by decrypting the data of the decryption target from the reference result data 106a in accordance with predetermined settings related to the decryption target, including the contract date and the loan amount.

[0025] The control unit 102 is a CPU or the like that performs overall control of the inquiry device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, and required data, and executes various information processing based on these stored programs.

[0026] The control unit 102 conceptually includes a query unit 102a, a display control unit 102b, and a determination unit 102c.

[0027] The inquiry unit 102a is an information processing means for inquiring about the credit information of the debtor to each credit information agency.

[0028] The display control unit 102b is an information processing means for displaying the decryption result data 106b on a screen.

[0029] The determining unit 102c identifies a plurality of decryption result data having the same data of the contract date and the loan amount from the display contents on the screen. Furthermore, the determining unit 102c is an information processing means for determining, from the identified plurality of decryption result data, the decryption result data other than the decryption result data having the highest priority according to a predetermined setting related to the priority condition, as the target for deduplication.

[0030] [2. Specific examples of processing] Here, a specific example of the process executed by the inquiry device 100 will be described with reference to FIGS.

[0031] In this description, the process in which the inquiry device 100 inquires about the credit information of a debtor at each credit information agency, determines targets for duplicate elimination from the inquiry results, and performs credit judgment will be described along the flowchart shown in FIG.

[0032] [S1:Query] The inquiry unit 102a inquires about the debtor's credit information at multiple credit information agencies in a batch in accordance with the operator's operation. When the operator selects the inquiry execution button B1 on screen A1 (Fig. 3), the inquiry unit 102a inquires about the debtor's credit information at each credit information agency in a batch. Then, when the operator selects the result confirmation button B2 on screen A1, the inquiry unit 102a displays the inquiry results on the screen. Figures 4 to 6 show examples of the data configuration of the inquiry results for CIC, JICC, and KSC, respectively. As such, the data configuration of the inquiry results for each credit information agency differs in order and content.

[0033] [S2: Decryption] The display control unit 102b decodes the data to be decoded from the inquiry result data 106a according to the decode item control master, which is a predetermined setting related to the decoded object and includes the contract date and the loan amount. FIG. 7 is a diagram showing an example of the data configuration of the decode item control master. The display control unit 102b automatically calculates the predetermined contents according to the decode item control master shown in FIG. 7, and creates the decode result data 106b. Furthermore, the display control unit 102b displays the decode result data 106b on the screen A2 (FIG. 8). FIG. 8 shows an example in which one inquiry result is obtained from each of the inquiry agencies JICC, CIC, and KSC.

[0034] [S3: Visual confirmation of decrypted content] The operator visually checks the decryption result data 106b displayed on screen A2. When the operator selects the full display button B4 on screen A2, the full display screen A3 (FIG. 9) is displayed, allowing the operator to check the decryption result data 106b in detail. The operator manually adjusts the automatically calculated values ​​on the full display screen A3. When the select all button B7 is selected, all of the inquiry results from inquiry agencies JICC, CIC, and KSC are selected, and all of the check boxes C1 to C3 corresponding to inquiry agencies JICC, CIC, and KSC are checked. When the cancel all button B8 is selected, all of the inquiry results from inquiry agencies JICC, CIC, and KSC are deselected, and all of the check boxes C1 to C3 are unchecked.

[0035] [S4: Deduplication] When the operator selects the duplication check button B6 on the screen A3, the determination unit 102c identifies the decryption result data 106b having the same data for the contract date and loan amount from the display contents of the screen A3. Furthermore, the determination unit 102c determines the decryption result data other than the decryption result data having the highest priority from the identified decryption result data 106b as the target for deduplication according to a predetermined setting related to the priority conditions. The predetermined setting related to the priority conditions is, for example, the order of the earliest application date or the order of the credit information agency. When the determination unit 102c determines the target for deduplication, the check box C3 corresponding to the inquiry result of the KSC that is the target for deduplication is unchecked as shown in FIG. 10.

[0036] [S5: Compilation of decryption results] When the operator selects the registration button B5, the determination unit 102c registers the query result of the KSC corresponding to the unchecked check box C3 as a duplicate deduction. Furthermore, the determination unit 102c tally up the decryption result data 106b and displays it on the screen A2 (FIG. 11).

[0037] [S6: Check the results] The operator checks the tabulation results displayed on screen A2 to see if deduplication has been performed properly. If the operator finds an error in the deduplication at this time, the operator manually adjusts the deduplication. Furthermore, the operator enters the final inquiry result, such as "There are no particular concerns regarding the loan," in the special notes field. The operator then selects the registration button B3, and the inquiry result is registered.

[0038] As described above, according to this embodiment, the inquiry unit 102a makes an inquiry in a batch, so that the operator does not have to take the trouble of making an inquiry to each credit information agency individually. Furthermore, the determination unit 102c determines the target of de-duplication, so that the operator can easily check the de-duplication. Furthermore, the operator finally checks the de-duplication determined by the determination unit 102c, so that it is possible to prevent errors in de-duplication. As a result, it is possible to reduce the burden on the operator who performs the loan screening.

[0039] 3. Other embodiments The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0040] 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.

[0041] In addition, the processing procedures, control procedures, specific names, registered data for each process, information including parameters such as search conditions, screen examples, and database configurations shown in this specification and drawings may be changed as desired unless otherwise specified.

[0042] Moreover, with regard to the inquiry device 100, each of the illustrated components is merely a functional concept, and does not necessarily have to be physically configured as illustrated.

[0043] For example, the processing functions of the inquiry device 100, particularly the processing functions performed by the control unit, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded in a non-transient computer-readable recording medium that includes programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the inquiry device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into a RAM, and cooperates with the CPU to form a control unit.

[0044] In addition, this computer program may be stored in an application program server connected to the inquiry device 100 via any network, and it is also possible to download all or a part of it as necessary.

[0045] In addition, the program for executing the process described in this embodiment may be stored in a non-transient computer-readable recording medium, or may be configured as a program product. Here, the "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.

[0046] Moreover, a "program" is a data processing method written in any language or description method, and may be in any form, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration as multiple modules or libraries, and a program that works with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, may use well-known configurations and procedures.

[0047] The various databases etc. 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 etc. used for various processes and providing websites.

[0048] The inquiry device 100 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as the information processing device to which any peripheral device is connected. The inquiry device 100 may be realized by implementing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

[0049] 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 functionally or physically distributed and integrated in any unit according to various additions or functional loads. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively. [Industrial Applicability]

[0050] The present invention is useful, for example, when making inquiries to credit institutions during loan screening. [Explanation of symbols]

[0051] 100 Inquiry device 102 Control section 102a Enquiry Section 102b Display control unit 102c Decision section 104 Communication interface section 106 Storage section 106a Enquiry Result Data 106b Decryption result data 108 Input / Output Interface Section 112 Input Devices 114 Output Device 200 Servers 300 Network

Claims

1. An inquiry device including a control unit, The control unit is an inquiry means for making an inquiry about credit information of a debtor to a plurality of personal credit information agencies and acquiring a plurality of pieces of inquiry result data provided by the plurality of personal credit information agencies; a display control means for decrypting the data of the object of decryption from each of the inquiry result data acquired by the inquiry means according to a predetermined setting related to the object of decryption, the setting including a contract date and a loan amount, and displaying the obtained multiple decryption result data on a screen; a determination means for identifying a plurality of pieces of decryption result data having the same data for the contract date and the loan amount from the display contents of the screen, and determining, from the identified plurality of pieces of decryption result data, the decryption result data other than the decryption result data having the highest priority according to a priority condition set in the order of the earliest application date or the order of credit information agencies, as a target for deduplication; An inquiry device comprising:

2. To cause a control unit of an inquiry device having a control unit to execute: an inquiry step of making an inquiry about credit information of a debtor to a plurality of personal credit information agencies and acquiring a plurality of pieces of inquiry result data provided by the plurality of personal credit information agencies; a display control step of decrypting the data of the object of decryption from each of the inquiry result data acquired in the inquiry step according to a predetermined setting related to the object of decryption, the setting including a contract date and a loan amount, and displaying the obtained multiple decryption result data on a screen; a determining step of identifying a plurality of pieces of decryption result data having the same data for the contract date and the loan amount from the display contents of the screen, and determining, from the identified plurality of pieces of decryption result data, the decryption result data other than the decryption result data having the highest priority according to a setting of a priority condition such as an order of the earliest application date or an order of credit information agencies, as a target for deduplication; A query program characterized by:

3. The control unit of the inquiry device having a control unit executes: an inquiry step of making an inquiry about credit information of a debtor to a plurality of personal credit information agencies and acquiring a plurality of pieces of inquiry result data provided by the plurality of personal credit information agencies; a display control step of decrypting the data of the object of decryption from each of the inquiry result data acquired in the inquiry step according to a predetermined setting related to the object of decryption, the setting including a contract date and a loan amount, and displaying the obtained multiple decryption result data on a screen; a determining step of identifying a plurality of pieces of decryption result data having the same data for the contract date and the loan amount from the display contents of the screen, and determining, from the identified plurality of pieces of decryption result data, the decryption result data other than the decryption result data having the highest priority according to a setting of a priority condition such as an order of the earliest application date or an order of credit information agencies, as a target for deduplication; The inquiry method is characterized by:

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