Business support device, business support method, and business support program

Abstract

To provide a business support apparatus, and the like, configured to efficiently and accurately determine the necessity of re-examination in correcting information (mainly personal attribute information) which is used in an examination (e.g., loan screening) required for providing a commodity or a service (e.g., loan), the information relating to an applicant who applied for provision of the commodity or the service, and contribute to implementing appropriate re-examination.SOLUTION: A business support apparatus is configured to: (1) determine, when personal attribute information relating to an applicant who applied for a loan and used for loan screening has been corrected, whether to conduct examination again by referring to an examination control master 106b on the basis of items of the corrected information; and (2) update, when re-examination is required, a result of the examination held in matter data 106a to "unexamined" status.SELECTED DRAWING: Figure 5

Description

[Technical Field]

[0001] The present invention relates to a business support device, a business support method, and a business support program. [Background technology]

[0002] Patent Document 1 discloses a system for changing registered items that uses a smartphone or the like to quickly carry out procedures for changing registered items such as an address, and simultaneously reviews loan details while changing the registered items. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2016-57941 Summary of the Invention [Problem to be solved by the invention]

[0004] When providing a loan, financial institutions must screen applicants and determine whether or not to grant the loan. Specifically, financial institutions use personal credit information obtained from personal credit information agencies to understand the amount of borrowings made by other companies and past delinquency information, etc., to determine whether or not a loan is possible, and they also use risk quantification models to evaluate the creditworthiness of the application.

[0005] Furthermore, the work related to the above judgments and evaluations (i.e., screening work) is based on personal credit information as well as application details (e.g., case type and loan amount) and personal attribute information (e.g., name, date of birth, address, telephone number, residence information, employment information, annual income information, and number of family members). Therefore, if it becomes necessary to correct the underlying information (mainly personal attribute information) for some reason (e.g., a staff member discovers an error in the registered information or the applicant requests a correction), the staff member at the financial institution must decide on each occasion whether or not a re-screening (re-examination) is necessary.

[0006] However, because this decision was made by a person in charge, it was not only time-consuming and laborious, but also there was a risk that the correct lending decision would not be made due to oversights or errors in judgment.

[0007] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a business support device, a business support method, and a business support program that can efficiently and accurately perform the task of determining whether or not the review needs to be redone (re-examination) when information (mainly personal attribute information) about an applicant who has applied for the provision of goods or services (e.g., a loan) and that was used in the examination required for said provision (e.g., a loan examination) is modified, and that can ultimately contribute to the realization of a fair re-examination. [Means for solving the problem]

[0008] In order to solve the above-mentioned problems and achieve the objective, the business support device of the present invention is a business support device that supports the task of determining whether or not the review needs to be redone when information about an applicant who has applied for the provision of goods or services, which information was used for the review required for said provision, is modified, and is characterized by comprising: a judgment unit that determines whether or not the review needs to be redone based on the attributes of the modified information and by referring to necessity setting data in which the necessity is set for each attribute; and an update unit that, if the judgment unit determines that the redoing is necessary, updates the results of the review stored in the review result data to identification information that identifies that the review has not been performed.

[0009] In the business support device according to the present invention, the examination may be performed on the applicant for whom the identification information is set as the result in the examination result data.

[0010] In addition, in the business support device of the present invention, if there are multiple attributes of the corrected information for one applicant, the judgment unit may determine that redoing is necessary for one applicant when it is confirmed that redoing is necessary for at least one of the attributes.

[0011] In the business support device according to the present invention, the corrected information may be personal attribute information.

[0012] In the business support device according to the present invention, the provision may be a loan, and the examination may be a loan examination.

[0013] In addition, the business support method of the present invention is a business support method that supports the business of determining whether or not the review needs to be redone when information about an applicant who has applied for the provision of goods or services, which information was used in the review required for said provision, is modified, and is characterized by including a judgment step in which a judgment unit determines whether or not the review needs to be redone based on the attributes of the modified information and by referring to necessity setting data in which the necessity is set for each attribute, and an update step in which an update unit updates the results of the review stored in the review result data to identification information that identifies that the review has not been performed, if it is determined in the judgment step that the review needs to be redone.

[0014] In addition, the business support program of the present invention is a business support program that supports the task of determining whether or not the review needs to be redone when information about an applicant who has applied for the provision of goods or services, which information was used in the review required for said provision, is modified, and causes an information processing device to function as a judgment means that determines whether or not the review needs to be redone based on the attributes of the modified information and by referring to necessity setting data in which the necessity is set for each attribute, and an update means that, if the judgment means determines that the redoing is necessary, updates the results of the review stored in the review result data to identification information that identifies that the review has not been performed. [Effects of the Invention]

[0015] The present invention has the effect of efficiently and accurately carrying out the task of determining whether or not a review needs to be conducted again (re-examination) when information (mainly personal attribute information) about an applicant who has applied for the provision of goods or services (e.g., a loan) and which was used in the examination required for said provision (e.g., a loan examination) is modified, thereby contributing to the realization of a fair re-examination. [Brief explanation of the drawings]

[0016] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of a task assistance device according to this embodiment. [Figure 2] FIG. 2 is a diagram showing an example of newly registered case data. [Figure 3] FIG. 3 is a diagram showing an example of case data after an automatic examination process is executed after new registration. [Figure 4] FIG. 4 is a diagram showing an example of case data after correction and registration executed after the automatic examination process. [Figure 5] FIG. 5 is a diagram showing an example of case data after the examination control process executed after the correction registration. [Figure 6] FIG. 6 is a diagram showing an example of case data after the automatic review process executed after the review control process. DETAILED DESCRIPTION OF THE INVENTION

[0017] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of a business support device, a business support method, and a business support program according to the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to the preferred embodiments.

[0018] [1. Configuration] An example of the configuration of a task assistance device 100 according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a block diagram showing an example of the configuration of the task assistance device 100.

[0019] The business support device 100 is constructed based on a commercially available desktop personal computer. Note that the business support device 100 is not limited to being constructed based on a stationary information processing device such as a desktop personal computer, but may also be constructed based on 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.

[0020] The business assistance 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 business assistance device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0021] The communication interface unit 104 communicably connects the business assistance 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 the communication line. Here, the network 300 has a function of connecting the business assistance device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Note that the data stored in the memory unit 106 may be stored in the server 200, for example.

[0022] 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 achieve 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.

[0023] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs that work in conjunction with the OS (Operating System) to issue commands to the 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 RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc.

[0024] The memory unit 106 stores case data 106a (including "information about the applicant" and examination result data of the present invention), examination control master 106b (corresponding to necessity setting data of the present invention), etc. The business support device 100 may also have a function for maintaining (newly registering, modifying, or deleting) the master stored in the memory unit 106.

[0025] 2 to 6 show examples of information stored in the project data 106a. As shown in FIGS. 2 to 6, the project data 106a broadly stores project information and screening results. The project information stores, for example, project identification information of the loan project (e.g., project number, etc.), product identification information of the loan product (e.g., product name, etc.), loan application amount, applicant information (e.g., name, telephone number, annual income, address, etc.), and contact requirement information (e.g., whether direct mail (DM) is required, etc.). The screening results store, for example, the presence or absence of negative information based on a personal credit information inquiry screening (item name: personal credit, negative), confirmation of employment status based on a personal credit information inquiry screening (item name: personal credit, confirmed), the loanable amount based on a screening using a risk quantification model (item name: total loan amount, available loan amount), and the overall score based on a screening using a risk quantification model (item name: total loan amount, overall score).

[0026] An example of information stored in the screening control master 106b is shown in Figure 5. As shown in Figure 5, the screening control master 106b stores a serial number, screening type identification information (for example, personal credit information inquiry screening or screening using a risk quantification model), screening necessity determination items (corresponding to attributes related to the present invention, such as name or telephone number), and screening necessity classification. In the screening control master 106b shown in Figure 5, the words "personal credit information inquiry" refer to personal credit information inquiry screening, and the words "risk quantification model" refer to screening using a risk quantification model.

[0027] 1, the control unit 102 is a CPU or the like that performs overall control of the business support 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 operations based on these stored programs.

[0028] The control unit 102 (1) determines whether the review (re-screening) is necessary by referring to the review control master 106b based on the attributes of the revised information when information (mainly personal attribute information (e.g., name, date of birth, address, telephone number, residence information, employer information, annual income information, number of family members, etc.)) about an applicant who has applied for a product or service (e.g., a loan) is revised before the application is submitted. (2) If a re-screening is necessary, the control unit 102 updates the review results stored in the case data 106a to identification information (e.g., a status such as "before review") that identifies that the review has not yet been conducted. Note that the review may be automatically performed by the business support device 100 for applicants for whom the identification information is set as the review result in the case data 106a. Furthermore, when multiple attributes of the revised information exist for one applicant, the control unit 102 may determine that a re-screening is necessary for one applicant when it is confirmed that a re-screening is necessary for at least one attribute.

[0029] The control unit 102 conceptually includes a case information input unit 102a, an automatic review processing unit 102b, and an automatic review control processing unit 102c (corresponding to the determination unit and update unit of the present invention).

[0030] When an operator or the like newly sets various case information on a various case information input screen (not shown) and presses the registration button, the various case information input unit 102a executes the following processes (11) and (12). (11) The information set on the various case information input screens is stored in the corresponding items of the case data 106a (see FIG. 2). (12) In all items related to the examination results of the case data 106a, a status "before examination" (corresponding to the identification information of the present invention) indicating that the examination has not yet been conducted is stored (see FIG. 2).

[0031] Furthermore, when an applicant to be corrected is designated by an operator or the like on the various case information input screen, the various case information input unit 102a extracts the case information of the designated applicant from the case data 106a and displays it on the screen. Then, when an operator or the like sets corrected information in the necessary fields on the various case information input screen on which the case information to be corrected is displayed and presses the register button, the various case information input unit 102a executes the following processes (21) to (23). (21) Check for differences between the case information extracted from the case data 106a and the case information set on the various case information input screens, item by item, and identify items with information differences (in other words, items with information corrections). (22) The case information entered on the various case information input screens is stored (overwritten) in the case data 106a (see FIG. 4). (23) The automatic examination control processing unit 102c is started and the recognized items are transferred.

[0032] The automatic screening processing unit 102b executes the following processes (31) and (32). (31) Periodically check whether the review result item in the case data 106a has a status of "before review." (32) Conduct an examination corresponding to the examination result item ("Personal Credit Negative," "Personal Credit Confirmed," "Repayment Total Available Amount," or "Repayment Total Overall Score") that has been confirmed to have a status of "Before Examination," and store the examination results in the case data 106a (see Figures 3 and 6).

[0033] The automatic examination control processing unit 102c executes the following processes (41) and (42). (41) Referring to the review control master 106b, the review type and review necessity classification associated with the item transferred from the various case information input unit 102a (in other words, the item whose information has been modified) are confirmed. (42) If there is at least one item that is confirmed to require review for an applicant, a status such as “before review” is stored in the review result item of the case data 106a corresponding to the confirmed review type (see Figure 5).

[0034] With the above configuration, it is now possible to newly register case information in the case data 106a and automatically execute an examination based on the case information in the case data 106a. Furthermore, with the above configuration, if the case information is modified after the examination is executed due to the applicant's circumstances, etc., it is now possible to (1) modify and register the case information in the case data 106a, (2) refer to the examination control master 106b based on the modified information items, and automatically determine which examinations need to be redone, and (3) automatically execute the necessary examinations based on the determination.

[0035] [2. Specific examples of processing] Here, specific examples of various processes executed by the task assistance device 100 will be described in accordance with the progress of a typical task with reference to FIGS.

[0036] [Step S1: Register new project information (see Figure 2)] The operator sets the product, application amount, name, telephone number, annual income, address, whether direct mail is required, etc. on a various case information input screen (not shown) and presses the register button. Then, the various case information input unit 102a acquires the set information from the various case information input screen, stores it in the corresponding items in the case data 106a, and stores the status of "before review" in all items of the review results in the case data 106a, as shown in Figure 2.

[0037] [Step S2: Execute the automatic review process (first time) (see Figure 3)] The automatic screening processing unit 102b checks whether the screening result items in the case data 106a have a status of ``before screening,'' and performs a screening (a screening based on a personal credit report inquiry and / or a screening using a risk quantification model) corresponding to the screening result items (``personal credit - negative,'' ``personal credit - confirmed,'' ``repayment - available amount,'' or ``repayment - overall score'') that are confirmed to have a status of ``before screening,'' and stores the screening results in the case data 106a.

[0038] [Step S3: Registering amendments to project information (see Figure 4)] When an operator receives a request from an applicant to correct case information (for example, an incorrect phone number, an incorrect annual income, a change of phone number or address due to moving, or a name change due to a change in family register, etc.), the operator specifies the applicant on the various case information input screens. In this example, we will explain that the applicant is Yamada Taro and the request is to change his phone number to "111-111-3333."

[0039] The various case information input unit 102a extracts the case information of the specified applicant from the case data 106a and displays the extracted case information on the various case information input screen. Specifically, the record with case number "1" included in the case data 106a (excluding the examination result item) is displayed.

[0040] The operator enters the applicant's revised information (revised information) for the specified applicant's case information on the various case information input screen and presses the register button. Specifically, the operator enters the revised telephone number "111-111-3333".

[0041] The various case information input unit 102a checks the differences between the case information extracted from the case data 106a and the case information set on the various case information input screen for each item, and recognizes the items for which information has been corrected. Specifically, for the telephone number, the extracted case information indicates "111-111-1111," while the case information set on the various case information input screen indicates "111-111-3333," so "telephone number" is recognized as the item for which information has been corrected.

[0042] The various case information input unit 102a overwrites the case data 106a with the case information (especially the corrected information) set on the various case information input screen. In particular, "111-111-3333" set on the various case information input screen is overwritten as the telephone number.

[0043] The various case information input unit 102a starts the automatic examination control processing unit 102c and transfers the recognized items. Specifically, the item "telephone number" is transferred.

[0044] [Step S4: Determine whether or not an examination is necessary (see Figure 5)] The automatic examination control processing unit 102c refers to the examination control master 106b to confirm the examination type and examination necessity classification associated with the item transferred from the various case information input unit 102a. Specifically, "Personal phone number inquiry" and "Required" as well as "Risk quantification" and "Required" are confirmed as the examination type and examination necessity classification associated with the examination necessity judgment item "Telephone number."

[0045] When there is at least one item that is confirmed to require screening for an applicant, the automatic screening control processing unit 102c stores the status "before screening" in the screening result item of the case data 106a corresponding to the confirmed screening type. Specifically, since the only item confirmed to be "required" for Yamada Taro was the "telephone number," the status "before screening" is stored in the "Personal Credit - Negative" and "Personal Credit - Confirmed" items of the case data 106a corresponding to the confirmed "Personal Credit Inquiry," and the status "before screening" is stored in the "Repayment - Available Amount" and "Repayment - Overall Score" items of the case data 106a corresponding to the confirmed "Risk Quantification."

[0046] If Sato Hanako applies for a change in annual income from "¥3,000,000" to "¥4,000,000," the only screening type that is confirmed as "required" in step S4 is "risk quantification," so the status "before screening" is stored only in the "recalculation available amount" and "recalculation total score" items of the project data 106a. Also, if Kobayashi Jiro applies for no DM, no screening type is confirmed as "required" in step S4, so the screening result item of the project data 106a is not updated.

[0047] [Step S5: Execute automatic review process (second time) (see Figure 6)] The automatic screening processing unit 102b checks whether the screening result items in the case data 106a have a status of ``before screening,'' and performs a screening (a screening based on a personal credit report inquiry and / or a screening using a risk quantification model) corresponding to the screening result items (``personal credit - negative,'' ``personal credit - confirmed,'' ``repayment - available amount,'' or ``repayment - overall score'') that are confirmed to have a status of ``before screening,'' and stores the screening results in the case data 106a.

[0048] When step S5 is executed, the "before screening" status is confirmed based on the case data 106a shown in Figure 5, so that for Yamada Taro, a screening based on a personal credit report inquiry ("personal credit - negative" and "personal credit - confirmed") and a screening using a risk quantification model ("repayment total - available amount" and "repayment total - overall score") are automatically performed, and the screening results are stored as shown in Figure 6, and for Sato Hanako, a screening using a risk quantification model ("repayment total - available amount" and "repayment total - overall score") is automatically performed, and the screening results are stored as shown in Figure 6. Note that for Kobayashi Jiro, there is no "before screening" status, so neither a screening based on a personal credit report inquiry nor a screening using a risk quantification model is performed.

[0049] [3. 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.

[0050] 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.

[0051] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0052] 4. 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.

[0053] 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.

[0054] 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.

[0055] Furthermore, with regard to the task support 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.

[0056] For example, all or any part of the processing functions of the business support 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 business support 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). The computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit.

[0057] This computer program may be stored in an application program server connected to the business support device 100 via any network, and all or part of it may be downloaded as needed.

[0058] 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.

[0059] 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.

[0060] 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.

[0061] The business support 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 business support device 100 may be realized by installing software (including programs, data, etc.) that causes the device to perform the processes described in this embodiment.

[0062] 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. [Industrial Applicability]

[0063] The present invention is useful in various industries, such as the financial industry, including financial institutions that handle free loans and card loans for individuals. [Explanation of symbols]

[0064] 100 Business support equipment 102 Control section 102a Various case information input section 102b Automated Examination Processing Unit 102c Automatic examination control processing unit 104 Communication interface unit 106 Storage section 106a Project Data 106b Examination Control Master 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network

Claims

1. A business support device that supports a business of determining whether or not the examination needs to be redone when information on an applicant who has applied for the provision of goods or services and that is used for the examination required for the provision of the goods or services is modified, a determination unit that determines whether or not the information is necessary by referring to necessity setting data in which the necessity is set for each attribute based on the attribute of the corrected information; an update unit that updates the result of the inspection stored in the inspection result data to identification information that identifies that the inspection has not been carried out, when the judgment unit determines that the re-execution is necessary; Equipped with The examination is carried out on the applicant whose identification information is set as the result in the examination result data, the determination unit determines that redoing is necessary for one applicant when it is confirmed that redoing is necessary for at least one of the attributes in the corrected information, in a case where a plurality of attributes exist for one applicant; A business support device characterized by the above.

2. The corrected information corresponds to personal attribute information; 2. The business support device according to claim 1, wherein:

3. the provision is a loan; The examination is a loan examination; 3. The business support device according to claim 2, wherein:

4. A business support method for supporting a business of determining whether or not the review needs to be redone when information on an applicant who has applied for the provision of goods or services and which is used for the review required for the said provision is modified, comprising: a determination step in which a determination unit determines whether or not the information is necessary by referring to necessity setting data in which the necessity is set for each attribute based on the attribute of the corrected information; an updating step in which, when it is determined in the determining step that the retrial is necessary, the updating unit updates the result of the audit stored in the audit result data to identification information for identifying that the audit has not been carried out; Including, The examination is carried out on the applicant whose identification information is set as the result in the examination result data, the determination unit determines that redoing is necessary for one applicant when it is confirmed that redoing is necessary for at least one of the attributes in the corrected information, in a case where a plurality of attributes exist for one applicant; A business support method characterized by the above.

5. A business support program that supports a business of determining whether or not the review needs to be redone when information on an applicant who has applied for the provision of goods or services and that is used for the review required for the said provision is modified, An information processing device a determination means for determining whether or not the information is necessary by referring to necessity setting data in which the necessity is set for each attribute based on the attribute of the corrected information; an update means for updating the result of the inspection stored in the inspection result data to identification information for identifying that the inspection has not been carried out, when the judgment means judges that the inspection needs to be retried; It functions as The examination is carried out on the applicant whose identification information is set as the result in the examination result data, said determining means determines that redoing is necessary for one applicant when it is confirmed that redoing is necessary for at least one of said attributes in the corrected information, when there are a plurality of said attributes for one applicant; A business support program that features:

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