JP7812817B2 - Personal credit decision support device, personal credit decision support method, and personal credit decision support program - Google Patents

Description

The present invention relates to a personal credit assessment support device, a personal credit assessment support method, and a personal credit assessment support program.

Today, when borrowing money or signing a credit card contract, an inquiry is made to a personal credit information agency to check the applicant's personal credit information.

In the card issuance system disclosed in Patent Document 1 (JP 2004-054543 A), a center server receives issuance application data from a card issuance application terminal device and transmits personal card inquiry request data related to the issuance application data to a personal card information server. Furthermore, upon receiving inquiry result data from the personal card information server, the center server determines whether or not to issue a card based on at least the issuance application data and the inquiry result data. If the determination result on whether or not to issue a card is approved, it transmits issuance approval data and issuance command data to the card issuance application terminal device. This allows a notification of approval for loan card issuance to be transmitted to the card issuance application terminal device immediately and efficiently.

Japanese Patent Application Laid-Open No. 2004-054543

Here, in order to provide loans to applicants quickly, it is preferable to quickly determine whether or not employment verification work is necessary based on the results of an inquiry into the applicant's personal credit information.

The present invention was made in consideration of the above-mentioned problems, and aims to provide a personal credit assessment support device, a personal credit assessment support method, and a personal credit assessment support program that can support loan operations, etc. by enabling a quick determination of whether or not employment verification work is necessary based on the results of an inquiry into the applicant's personal credit information.

In order to solve the above-mentioned problems and achieve the objectives, the personal credit judgment support device of the present invention comprises an acquisition unit that acquires, by making a personal credit inquiry of a loan applicant to a personal credit information agency, attribute information including at least one of a mobile phone number and a home phone number, and a work phone number and name of the employer, and loan information including the contract date when the loan occurred, which is provided by the personal credit information agency; and a storage unit that stores the loan information provided by the personal credit information agency when the loan applicant's number of months since employment is equal to or exceeds the number of months that is the criterion for determining the number of months since employment, which is stored in the storage unit, or when the number of months since the personal credit inquiry response, which is the difference between the date of the personal credit inquiry and the contract date, is equal to or exceeds the number of months that is the criterion for determining the number of months since the personal credit inquiry response, which is stored in the storage unit. the employment verification exemption determination unit determines to exempt the loan applicant's employer from employment verification if the mobile phone number or home phone number provided matches the mobile phone number or home phone number specified by the loan applicant, the work phone number and name provided by the personal credit information agency match the work phone number and name specified by the loan applicant, and a predetermined period of time has passed between the employment date included in the personal information submitted by the loan applicant and the inquiry date of the loan applicant's personal credit inquiry, or if a predetermined period of time has passed between the contract date included in the loan information and the inquiry date of the loan applicant's personal credit inquiry; and a notification control unit notifies the determination result of the employment verification exemption determination unit.

Furthermore, in order to solve the above-mentioned problems and achieve the object, the personal credit assessment support method of the present invention includes an acquisition step in which an acquisition unit acquires, by making a personal credit inquiry of a loan applicant to a personal credit information agency, attribute information provided by the personal credit information agency, including at least one of a mobile phone number and a home phone number, and a work phone number and name, and loan information including the contract date when the loan occurred; and a step in which the loan applicant's number of months since employment began is equal to or greater than the number of months stored in the storage unit that is the criterion for determining the number of months since employment began, or the number of months since the personal credit inquiry response, which is the number of months between the date of the personal credit inquiry and the contract date, is equal to or greater than the number of months stored in the storage unit that is the criterion for determining the number of months since the personal credit inquiry response, and the mobile phone number provided by the personal credit information agency is acquired. Alternatively, if the home telephone number matches the mobile phone number or home telephone number specified by the loan applicant, the work telephone number and name provided by the personal credit information agency match the work telephone number and name specified by the loan applicant, and a predetermined period of time has passed between the employment date included in the personal information submitted by the loan applicant and the inquiry date of the loan applicant's personal credit inquiry, or if a predetermined period of time has passed between the contract date included in the loan information and the inquiry date of the loan applicant's personal credit inquiry, the method includes an employment verification exemption determination step in which the employment verification exemption determination unit determines to exempt the loan applicant's employer from employment verification, and a notification control step in which the notification control unit notifies the result of the determination by the employment verification exemption determination unit.

In order to solve the above-mentioned problems and achieve the objectives, the personal credit assessment support program of the present invention includes a computer that performs a personal credit inquiry on a loan applicant to a personal credit information agency, and acquires loan information provided by the personal credit information agency, the loan information including attribute information including at least one of a mobile phone number and a home phone number, and an employer's phone number and name, and the contract date when the loan occurred; an acquisition unit that acquires loan information including attribute information including at least one of a mobile phone number and a home phone number, and an employer's phone number and name, and the contract date when the loan applicant's years of employment are equal to or greater than the number of months stored in the memory unit that are the criterion for determining years of employment elapsed, or the number of months that have passed since the personal credit inquiry response, which is the number of months between the date of the personal credit inquiry and the contract date, are equal to or greater than the number of months stored in the memory unit that are the criterion for determining the number of months that have passed since the personal credit inquiry response; If the mobile phone number or home phone number provided by the personal credit information agency matches the mobile phone number or home phone number specified by the loan applicant, the work phone number and name provided by the personal credit information agency match the work phone number and name specified by the loan applicant, and a predetermined period of time has passed between the employment date included in the personal information submitted by the loan applicant and the inquiry date of the loan applicant's personal credit inquiry, or if a predetermined period of time has passed between the contract date included in the loan information and the inquiry date of the loan applicant's personal credit inquiry, the system functions as an employment verification exemption determination unit that determines to exempt the loan applicant from employment verification work, and a notification control unit that notifies the result of the determination by the employment verification exemption determination unit.

The present invention makes it possible to quickly determine whether or not employment verification procedures are necessary based on the results of an inquiry into the loan applicant's personal credit information.

FIG. 1 is a block diagram showing the hardware configuration of a personal credit decision support apparatus according to an embodiment of the present invention. FIG. 2 is a diagram illustrating an example of the criterion master. FIG. 3 is a diagram showing an example of an employment verification exemption determination table. FIG. 4 is a diagram showing an example of the requested document determination table. FIG. 5 is a diagram showing an example of a personal credit inquiry response obtained from a personal credit information agency when a personal credit inquiry is made on a loan applicant. FIG. 6 is a diagram showing an example of application data of a loan applicant. FIG. 7 is a diagram showing an example of personal credit inquiry response data generated based on the personal credit inquiry response obtained from a personal credit information agency when a personal credit inquiry is made on a loan applicant. FIG. 8 is a diagram showing an example of company loan data indicating the amount of loan provided to a loan applicant by a company that is equipped with the personal credit decision support device according to the embodiment.

A personal credit assessment support device, which is an embodiment of the present invention, will be described in detail below with reference to the drawings. As an example, the embodiment described below is an example in which the present invention is applied to a terminal device of a financial institution that provides financial loans. Note that the present invention can also be applied to terminal devices in any other industry, as long as the terminal device is in an industry that handles personal credit inquiries, and is not limited to the following embodiment.

(overview)
In loan screening for individuals, proving the amount of income that the applicant presents at the time of application is a mandatory task in order to comply with the total amount limit under the Money Lending Business Act. The "total amount limit" is a restriction on the total amount that can be borrowed from a money lender, which is regulated by the Money Lending Business Act, and stipulates that "loans made by money lenders must not exceed one-third of the applicant's annual income."

The process of verifying income involves asking the applicant to send documents verifying their current annual income, such as a pay slip, and then calling the employer listed on the documents sent by the applicant to confirm that the applicant is still employed. This is a time-consuming and labor-intensive process.

In addition, it is essential to obtain all loan information on loan applicants. This loan information is added to the personal credit inquiry response obtained by requesting a personal credit inquiry from a personal credit information agency. The personal credit inquiry response also includes attribute information such as the individual's place of employment reported by member financial institutions. This personal loan information and attribute information is used to verify the identity of the loan applicant and determine the current loan amount, etc.

In other words, the personal credit inquiry response includes basic personal information (attribute information) such as the loan applicant's name, gender, date of birth, address, mobile phone number, home phone number, occupation, employer name, and employer phone number. The personal credit inquiry response also includes contract information such as the loan status, loan amount, and final repayment date for monetary loans or credit cards. The personal credit inquiry response also includes repayment information such as payment status, balance, full repayment, cancellation, late payment, repayment, and forced collection procedures. Contract information and repayment information are collectively referred to as "loan information." For example, when a financial institution receives a new application for credit or a loan, it uses this personal credit inquiry response to determine the applicant's "creditworthiness."

Next, in Japan today, this type of personal attribute information and loan information is managed by three personal credit information agencies: Credit Information Center Corporation (CIC), the National Bank Personal Credit Information Center (KSC), and the Japan Credit Information Center (JICC).

CIC Corporation (CIC) is a member of credit card companies, mobile phone operators, automobile and machinery loan and leasing companies, some consumer finance companies, and banks. CIC Corporation (CIC) holds personal information that registers objective transaction facts related to credit and loan contracts and applications.

The National Bank Personal Credit Information Center (KSC) is a credit information agency operated by the Japanese Bankers Association. The National Bank Personal Credit Information Center (KSC) manages information on bank-affiliated credit cards, home loans from banks and other deposit-taking financial institutions, and other personal loans.

The Japan Credit Information Center (JICC) is made up of credit companies, money lending businesses, leasing companies, guarantee companies, etc., and holds information to identify individuals, such as names and dates of birth, as well as information on credit and loan contract details, repayments, payment status, and transaction details.

The personal credit inquiry responses provided by such personal credit information agencies are used to determine past delinquencies, whether there are any bad debts, the current annual repayment amount for other loans, and to identify the individual using the attribute information from the inquiry results.

The personal credit assessment support device 1 of this embodiment automatically determines the accuracy of the attribute information submitted by the loan applicant based on the attribute information included in the personal credit inquiry response, and exempts the applicant from employment verification and the collection of income verification documents.

Specifically, for example, if the mobile phone number or home phone number, work phone number, and employer name in the attribute information included in the personal card inquiry response from CIC Corporation (CIC) match the mobile phone number or home phone number, work phone number, and employer name in the loan applicant's application data, and the period between the contract date included in the loan information in the personal card inquiry response and the date of the personal card inquiry of the loan applicant is, for example, one year or more (12 months or more), a decision will be made to exempt the employment verification process.

In addition, the personal credit assessment support device 1 of this embodiment determines to exempt the request for proof of income if the total of the company's outstanding loan balance and the outstanding loan balances of other companies obtained from the loan information in the personal credit inquiry response is, for example, 1 million yen or less.

In this way, the personal credit assessment support device 1 of this embodiment treats attribute information, which was previously treated only as information for identifying the individual, as information for verifying the place of employment based on predetermined criteria.

(Hardware configuration)
Next, the hardware configuration of the personal credit assessment support device 1 of the embodiment will be described. As shown in FIG. 1, the personal credit assessment support device 1 of the embodiment includes a memory unit 2, a control unit 3, a communication interface unit 4, and an input/output interface unit 5. An input device 6 and an output device 7 are connected to the input/output interface unit 5. The output device 7 can be a display unit such as a monitor device (including a home television), a printing device, or a speaker device. The input device 6 can be a keyboard device, a mouse device, a microphone device, or a monitor device that cooperates with a mouse device to achieve a pointing device function.

The communication interface unit 4 is connected to a network 50, which may be a wide area network such as the Internet or a private network such as a local area network (LAN). A server device 51 of a personal credit information agency is connected to this network 50. The personal credit judgment support device 1 of the embodiment requests the server device 51 of the personal credit information agency to make a personal credit inquiry about the applicant for a monetary loan and obtains a personal credit inquiry response. Based on the obtained personal credit inquiry response, the personal credit judgment support device 1 of the embodiment then determines whether employment verification work is required, whether requesting documents to be collected, and identifies the necessary documents to be collected.

The memory unit 2 can be, for example, a storage device such as ROM (Read Only Memory), RAM (Random Access Memory), HDD (Hard Disk Drive), or SSD (Solid State Drive). The memory unit 2 stores a personal credit assessment support program for determining whether employment verification is required, whether required collection of documents is required, and identifying required documents based on the personal credit inquiry response. The memory unit 2 also stores a judgment criteria master 11, employment verification exemption judgment table 12, and required document judgment table 13, which will be described later.

In addition, the memory unit 2 stores application data created when the loan applicant applied for a loan, personal credit inquiry response data obtained from the personal credit information agency's server device 51, and company loan data indicating the loan amount and other details provided to the loan applicant by "our company," a financial institution equipped with the personal credit judgment support device 1 of the embodiment. In addition, the memory unit 2 stores employment confirmation determination data indicating the result of a determination as to whether employment confirmation work is required, and requested document determination data indicating the result of a determination as to whether requested documents are required and the required requested documents, etc.

As shown in Figure 2, the criteria master contains the "Criteria for determining elapsed months of years of service" and "Criteria for determining elapsed months of responses to personal credit inquiries," both of which are set to "12 months." "Criteria for determining elapsed months of responses to personal credit inquiries" is the number of months that have passed since the date on which the attribute information and loan information were obtained by conducting a personal credit inquiry. The number of months for each of the "Criteria for determining elapsed months of years of service" and "Criteria for determining elapsed months of responses to personal credit inquiries" can be set to any number of months depending on the design, etc.

Employment verification exemption determination table 12 stores the criteria for determining whether or not employment verification is required, as shown in Figure 3. The first record (No. 1) in this employment verification exemption determination table 12 indicates that a determination is made to exempt employment verification if the mobile phone number in the loan applicant's loan application data (application information) matches the mobile phone number in the attribute information of the personal phone inquiry response, and if the work phone number and work name in the loan applicant's loan application data match the work phone number and work name in the attribute information of the personal phone inquiry response.

Furthermore, the record in the second row (No. 2) of the employment verification exemption determination table 12 indicates that if a mobile phone number is not registered in either or both of the loan applicant's loan application data or the attribute information in the personal phone inquiry response, but the home phone number in the loan applicant's loan application data matches the home phone number in the attribute information in the personal phone inquiry response, and the work phone number and employer name in the loan applicant's loan application data match the work phone number and employer name in the attribute information in the personal phone inquiry response, a determination is made to exempt the employment verification process.

As shown in Figure 4, the required documents determination table 13 stores criteria for determining whether or not the collection of required documents is necessary, and criteria for determining which required documents are required. The first record (No. 1) in this required documents determination table 13 indicates that if the loan applicant is an employee or a corporate representative and is subject to the total amount restrictions under the Money Lending Business Act, and the outstanding loan balance of the "company" equipped with the personal credit determination support device 1 of the embodiment is "500,000 yen or less," and the total outstanding loan balance of the company and other companies is "1,000,000 yen or less," a determination will be made to "exempt the request for an income certificate."

The company's outstanding loan balance and the total outstanding loan balances of the company and other companies can be set to any amount depending on the design, etc.

Furthermore, the second record (No. 2) in the required documents determination table 13 indicates that if the loan applicant is an employee or a corporate representative, is subject to or is exempt from the total amount restrictions under the Money Lending Business Act, and the employment date is "after January of the previous year," a determination will be made to require "two months' worth of pay slips" as proof of income.

The record on the third line (No. 3) of the required documents determination table 13 indicates that if the loan applicant is an employee or a corporate representative who is subject to or exempt from the total amount restrictions under the Money Lending Business Act, and does not meet either the conditions of the record on the first line (No. 1) or the record on the second line (No. 2) of the required documents determination table 13, a determination will be made to collect a withholding slip, final tax return form A (B), tax certificate, and pay slip as proof of income.

Furthermore, the fourth record (No. 4) in the required document determination table 13 indicates that if the loan applicant is a sole proprietor and is subject to the total amount restrictions under the Money Lending Business Act, and the outstanding loan balance of the "company" equipped with the personal credit determination support device 1 of the embodiment is "500,000 yen or less," and the total outstanding loan balance of the company and other companies is "1,000,000 yen or less," a determination will be made to "exempt the request for an income certificate."

Furthermore, the record on the fifth line (No. 5) of the required document determination table 13 indicates that if the loan applicant is a sole proprietor and is subject to the total amount restrictions under the Money Lending Business Act, and does not meet the conditions of the record on the fourth line (No. 4), a determination will be made to require the collection of "Tax Return Form B."

(Functional configuration of the personal credit decision support device)
Next, the control unit 3 executes the personal credit assessment support program stored in the memory unit 2, and thereby functions as a communication control unit 21 (an example of an acquisition unit), an employment verification exemption assessment unit 22, a collection document assessment unit 23, a data generation unit 24, a display control unit 25 (an example of a notification control unit), and a memory control unit 26, as shown in Figure 1.

The communications control unit 21, which is an example of an acquisition unit, acquires attribute information including "at least one of a mobile phone number and a home phone number" and "work phone number and name" and loan information including "the contract date when the loan occurred" based on the results of a personal card inquiry provided by making a personal card inquiry of the applicant for a loan to the personal credit information agency's server device 51.

The employment verification exemption determination unit 22 determines to exempt the loan applicant from the employment verification process for the loan applicant's employer if the loan applicant's number of years of employment elapsed is equal to or greater than the number of months stored in the storage unit (determination criteria master 11), or the number of months since the personal credit inquiry response, which is the difference between the date of the personal credit inquiry and the contract date, is equal to or greater than the number of months stored in the storage unit (determination criteria master 11) since the personal credit inquiry response elapsed, the mobile phone number or home phone number provided by the personal credit information agency matches the mobile phone number or home phone number specified by the loan applicant, the work phone number and employer name provided by the personal credit information agency match the work phone number and employer name specified by the loan applicant, and a predetermined period of time has passed between the hire date included in the personal information (application data) submitted by the loan applicant and the date of the personal credit inquiry for the loan applicant, or the predetermined period of time has passed between the contract date included in the loan information and the date of the personal credit inquiry for the loan applicant.

The display control unit 25 is an example of a notification control unit, and displays the determination result of the employment verification exemption determination unit 23 via the output device 7, which is an example of a display unit. The determination result of the employment verification exemption determination unit 23 may be output as audio via a speaker device, or may be printed out via a printer.

The loan information contained in the results of a personal credit inquiry provided by a personal credit information agency includes the remaining balance as well as the contract date. The required documents determination unit 23 determines whether to exempt the applicant from collecting the required documents required for borrowing money if the applicant is an employee or a corporate representative and is subject to the total amount restrictions under the Money Lending Business Act, the applicant's company's remaining loan balance for which the applicant has applied is below a specified amount, and the total of the applicant's company's remaining loan balance and the remaining balance of other companies' loans is below a specified amount.

Documents to be collected include, for example, income certificates, pay slips, withholding slips, tax return forms A (B), tax certificates, etc.

In addition, if the loan applicant is an employee or a representative of a corporation and is subject to or exempt from the total amount restrictions under the Money Lending Business Act, and the period between the employment date included in the personal information submitted by the loan applicant and the inquiry date of the loan applicant's personal credit inquiry is less than a specified period, the document request determination unit 23 determines to collect pay slips for a specified number of months.

In addition, the required documents determination unit 23 determines whether to collect some or all of the withholding slips, tax return, tax certificate, and pay slips when the loan applicant is an employee or a representative of a corporation and is subject to or exempt from the total amount restrictions under the Money Lending Business Act, and when determining to exempt the applicant from the collection of required documents, or when determining to collect a specified number of months' worth of pay slips.

In addition, the required documents determination unit 23 determines whether to exempt the applicant from collecting required documents if the applicant is a sole proprietor and is subject to the total amount restrictions under the Money Lending Business Act, the applicant's company's outstanding loan balance for which the applicant has applied to borrow money is equal to or less than a predetermined amount, and the total of the applicant's company's outstanding loan balance and the remaining balance of other companies' debts is equal to or less than a predetermined amount.

In addition, the required documents determination unit 23 determines whether to collect a tax return unless the loan applicant is a sole proprietor and is subject to or exempt from the total amount restrictions under the Money Lending Business Act and determines to exempt the applicant from collecting required documents.

(Determining whether employment verification is necessary)
Next, we will explain the operation of determining whether or not employment verification is required at the loan applicant's employer. First, the business operator performs an input process for the details of the loan application form filled out by the loan applicant. After this input process is performed, the control unit 3 functions as the data generation unit 24 based on the personal credit assessment support program stored in the memory unit 2, and generates loan application data as shown in Figure 6. As shown in Figure 6, the application data includes the case number, mobile phone number, home phone number, workplace phone number, employer name, input date (year and month of employment), employment status, and information on whether the applicant is subject to or exempt from the total amount restrictions under the Money Lending Business Act.

Once this application data is generated, the control unit 3 functions as the communication control unit 21 based on the personal credit assessment support program, and transmits the generated application data to the personal credit information agency's server device 51 via the communication interface unit 4 and network 50. The personal credit information agency's server device 51 then returns the results of the personal credit inquiry for the loan applicant, as shown in Figure 5. The communication control unit 21 acquires the returned results of the personal credit inquiry.

As shown in Figure 5, the credit card inquiry results include attribute information such as the loan applicant's home phone number, mobile phone number, work phone number, employer name, and address, as well as the contract date and remaining balance corresponding to current and past borrowing status. The credit card inquiry results also include information on whether the applicant is subject to or exempt from the total amount restrictions under the Money Lending Business Act.

The data generation unit 24 generates personal card inquiry response data, as illustrated in Figure 7, based on the acquired personal card inquiry results. As shown in Figure 7, each record of the personal card inquiry response data is generated to correspond to each record of the personal card inquiry results shown in Figure 5, and is generated to include the loan applicant's mobile phone number, home phone number, work phone number, employer name, contract date, and remaining debt amount. Each record of the personal card inquiry response data shown in Figure 7 is a record that has been queried as personal card inquiry response data corresponding to the loan applicant. In other words, by performing a personal card inquiry, multiple (or one) personal card inquiry responses can be obtained, as shown in Figure 7.

Next, the data generation unit 24 references the company's database (not shown) equipped with the personal credit assessment support device 1 of the embodiment to detect the loan applicant's outstanding loan balance with the company, and generates the company's loan data as shown in Figure 8. As shown in Figure 8, the company's loan data includes the case number, the screening date, and the company's outstanding loan balance.

Once the application data (Figure 6), personal credit inquiry response data (Figure 7), and company loan data (Figure 8) have been generated in this way, the control unit 3 functions as the employment verification exemption determination unit 22 based on the personal credit assessment support program, and references the employment verification exemption determination table 12 shown in Figure 3. Then, based on the following criteria, it determines whether or not employment verification is required for the personal credit inquiry response data (Figure 7).

In other words, the employment verification exemption determination unit 22 determines to exempt the applicant from the employment verification process if the loan applicant's number of years of employment or the number of months since the personal credit inquiry response is equal to or exceeds 12 months set in the determination criteria master 11 shown in Figure 2, and if there is attribute information in the personal credit inquiry response that meets any of the conditions in the employment verification exemption determination table 12 shown in Figure 3.

The number of months of service is calculated by subtracting the "screening date," which is the date on which the personal credit inquiry was made as shown in Figure 8, from the "month and year of employment" in the application data as shown in Figure 6. In this example, the screening date is "October 10, 2022," as shown in Figure 8, and the "month and year of employment" is "April 1, 2010," as shown in Figure 6. Therefore, the number of years of service is "12 years and 6 months." Therefore, since the number of years of service is 12 months or more as set in the judgment criteria master 11, the employee is exempt from the employment verification process.

In addition, the number of months since the credit inquiry response is calculated by subtracting the "screening date," which is the date on which the credit inquiry was made, from the "contract date" in the loan information in the credit inquiry response.

In the case of the personal mail inquiry response data of the record with the inquiry number (inquiry no.) "001" shown in Figure 7, the condition "No. 1" in the employment verification exemption determination table 12 shown in Figure 3 is met (conditions matched). In addition, the number of months since the personal mail inquiry response is 2 years and 9 months. Therefore, the employment verification exemption determination unit 22 determines to exempt the employment verification process.

In the case of the personal mail inquiry response data for the record with the inquiry number (inquiry no.) "002" shown in Figure 7, it does not meet any of the conditions in the employment verification exemption determination table 12 shown in Figure 3 (conditions not met). Furthermore, the number of months since the personal mail inquiry response is also 1 year and 9 months. Therefore, the employment verification exemption determination unit 22 determines to perform the employment verification process.

In the case of the personal credit card inquiry response data for the record with the inquiry number (inquiry no.) "003" shown in Figure 7, the condition "No. 1" in the employment verification exemption determination table 12 shown in Figure 3 is met (condition met), but the difference between the "screening date," which is the date on which the personal credit card inquiry was made, and the "contract date" in the loan information in the personal credit card inquiry response is 9 months, which is less than the 12 months set in the determination criteria master 11. Therefore, the employment verification exemption determination unit 22 determines to perform the employment verification process.

As such, of the three pieces of personal correspondence inquiry response data for the loan applicant shown in Figure 7, the only piece of personal correspondence inquiry response data that meets the conditions for exemption from employment verification work is the personal correspondence inquiry response data for the record with an inquiry number (Inquiry No.) of "001." However, if there is even one piece of personal correspondence inquiry response data that meets the conditions for exemption from employment verification work, the employment verification exemption determination unit 22 will determine to exempt that loan applicant from employment verification work.

The memory control unit 26 stores employment verification determination data indicating the determination result of the employment verification exemption determination unit 22 in the memory unit 2. The display control unit 25 displays this employment verification determination data via the output device 7. This makes it possible to clearly indicate to the business operator the determination result that the loan applicant is exempt from employment verification work.

(Operations for determining whether documents are exempt from collection and operations for determining which documents are required)
Next, the operation of determining whether or not to exempt required documents from collection and the operation of determining which required documents are to be collected will be explained. In this case, the control unit 3 functions as the required documents determination unit 23 based on the personal credit assessment support program, and calculates the remaining balance of the three personal credit inquiry response data shown in Figure 7 and the total of the company's outstanding loan balance shown in Figure 8. In this example, the total outstanding loan balance of the company and other companies is "600,000 yen + 200,000 yen = 800,000 yen."

Since this corresponds to the condition "No. 1" in the required document determination table shown in Figure 4, the required document determination unit 23 determines to exempt the loan applicant from the requirement to collect an income certificate.

In addition, if the loan applicant is an employee or a corporate representative who is subject to or exempt from the total amount restrictions under the Money Lending Business Act, and the personal credit inquiry response data corresponds to the state of the record (No. 2) in the second row of the required documents determination table 13, the required documents determination unit 23 will determine that "two months' worth of pay slips" should be collected as proof of income, since the employment date is "after January of the previous year."

Furthermore, if the loan applicant is an employee or a corporate representative and is subject to or excepted from the total amount restrictions under the Money Lending Business Act, and the personal credit inquiry response data does not meet either the conditions of the record in the first row (No. 1) or the record in the second row (No. 2) of the required documents determination table 13 (= the conditions of the record in the third row (No. 3)), the required documents determination unit 23 will determine to collect a withholding slip, final tax return form A (B), tax certificate, and pay slip as proof of income.

Furthermore, if the loan applicant is a sole proprietor and is subject to the total amount restrictions under the Money Lending Business Act, and the personal credit inquiry response data meets the conditions of the record (No. 4) in the fourth row of the required documents determination table 13, namely, that the outstanding loan balance of the "company" equipped with the personal credit determination support device 1 of the embodiment is "500,000 yen or less" and that the total outstanding loan balance of the company and other companies is "1,000,000 yen or less," the required documents determination unit 23 will determine that "the request for an income certificate is exempt."

In addition, if the loan applicant is a sole proprietor and is subject to the total amount restrictions under the Money Lending Business Act, and the personal credit inquiry response data does not meet the conditions of the record on the fourth line (No. 4) described above, but meets the conditions of the record on the fifth line (No. 5) in the required document determination table 13, the required document determination unit 23 will determine to request "Tax Return Form B."

The memory control unit 26 stores requested document determination data indicating the determination result of the requested document determination unit 23 in the memory unit 2. The display control unit 25 displays this requested document determination data via the output device 7. This makes it possible to clearly show the business operator the determination result of whether requested documents are exempt or which requested documents are required.

(Effects of the embodiment)
As is clear from the above explanation, the personal credit decision support device 1 of the embodiment can automatically determine whether the attribute information submitted by the applicant is correct or not based on the result of the personal credit inquiry, and can quickly determine whether the applicant is exempt from the employment verification process, the collection of income proof documents, etc. Furthermore, it can reduce the burden on the business operator due to the employment verification process and the collection of income proof documents.

In other words, if the loan information can be identified as the applicant, then the attribute information can also be said to be information about a trustworthy applicant, and the employment information can also be used to verify the employment status of the requested employer. For this reason, the personal credit assessment support device 1 in this embodiment compares the attribute information returned in the personal credit inquiry with the attribute information applied for, and if the conditions are met, the employment verification process is waived. In addition, if the loan balance is low, an income certificate is also waived.

This will help reduce the workload and improve the efficiency of screening work for business operators, and will help retain customers by providing early responses to screening results.

[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.

Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to SDGs Goals 12, 13, and 15.

Furthermore, this embodiment can contribute to strengthening control and governance, thereby contributing to Goal 16 of the SDGs.

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.

For example, of 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.

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

Furthermore, with regard to the personal credit assessment support device 1, the components shown in the figure are functional concepts and do not necessarily have to be physically configured as shown.

For example, all or any part of the processing functions of the personal credit assessment support device 1, particularly the control unit 3 and each processing function performed by the control unit 3, may be implemented by a CPU (Central Processing Unit) 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 processing described in this embodiment, and is mechanically read by the personal credit assessment support device 1 as needed. In other words, a storage unit such as a ROM or HDD stores a computer program that works in conjunction with the OS to issue commands to the CPU and perform various processes. This computer program is executed by being loaded into RAM, and works in conjunction with the CPU to form the control unit 3.

In addition, the personal credit judgment support program of this personal credit judgment support device 1 may be stored on another server device connected to the personal credit judgment support device 1 via any network, and all or part of it may be downloaded as needed.

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

A "program" is a data processing method written in any language or description method, and may be in any format, such as source code or binary code. A "program" is not necessarily limited to a single structure, but also includes a distributed structure consisting of multiple modules or libraries, or a structure that achieves its function by working in conjunction with a separate program, such as an OS. The specific structure and reading procedure for reading a recording medium in the personal credit assessment support device 1 shown in the embodiment, as well as the installation procedure after reading, can use well-known structures and procedures.

The memory unit 2 is a storage means such as a memory device such as RAM or ROM, a fixed disk device such as a hard disk, a flexible disk, or an optical disk, and stores various programs, tables, databases, and web page files used for various processes and website provision.

The personal credit assessment support device 1 may also be configured as an information processing device such as a known personal computer device or workstation, or may also be configured as an information processing device to which any peripheral device is connected. The information processing device may also be implemented by installing software (including programs or data, etc.) that realizes the processing described in this embodiment.

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

The present invention can be used in industries that involve personal credit inquiries, such as the financial industry. For example, it is suitable for use in financial institutions that handle personal home loans, free loans, card loans, etc.

REFERENCE SIGNS LIST 1 Personal credit judgment support device 2 Memory unit 3 Control unit 4 Communication interface unit 5 Input/output interface unit 6 Input device 7 Output device 11 Judgment criteria master 12 Employment verification exemption judgment table 13 Required document judgment table 21 Communication control unit 22 Employment verification exemption judgment unit 23 Required document judgment unit 24 Data generation unit 25 Display control unit 26 Memory control unit 50 Network 51 Personal credit information agency server device

Claims (8)

By making a personal credit inquiry of the applicant for a loan to a personal credit information agency, the information provided by the personal credit information agency is
At least one of a mobile phone number and a home phone number;
Attribute information including a workplace telephone number and a workplace name;
an acquisition unit that acquires borrowing information including a contract date when a money borrowing occurs;
The number of months since the applicant's employment is equal to or greater than the number of months stored in the storage unit that is the standard for determining the number of months since the applicant's employment is equal to or greater than the number of months since the applicant's employment is equal to or greater than the number of months since the applicant's employment is equal to or greater than the standard for determining ...
The mobile phone number or home phone number provided by the personal credit information agency matches the mobile phone number or home phone number specified by the loan applicant,
The business telephone number and business name provided by the personal credit information agency match the business telephone number and business name specified by the loan applicant, and
an employment verification exemption determination unit that determines whether to exempt the loan applicant from employment verification work at the employer of the loan applicant when a predetermined period of time has passed between the employment date included in the personal information submitted by the loan applicant and the inquiry date of the loan applicant's personal credit inquiry, or when a predetermined period of time has passed between the contract date included in the loan information and the inquiry date of the loan applicant's personal credit inquiry;
a notification control unit that notifies the determination result of the employment verification exemption determination unit;
A personal credit assessment support device having the above. The loan information includes the remaining amount of debt along with the contract date, and when the loan applicant is an employee or a representative of a corporation and is subject to the total amount restriction under the Money Lending Business Act, the loan applicant's company's remaining loan balance for which the loan applicant has applied is equal to or less than a predetermined amount, and the total amount of the company's remaining loan balance and the remaining debt amount of other companies is equal to or less than a predetermined amount, the system further comprises a document requirement determination unit that determines whether to exempt the applicant from the collection of documents required for borrowing money.
2. The personal credit assessment support device according to claim 1, The said unit for determining documents to be collected determines whether to collect pay slips for a predetermined number of months when the said loan applicant is an employee or a representative of a corporation and is subject to or exempt from the total amount restrictions under the Money Lending Business Act, and the period between the date of employment included in the personal information submitted by the said loan applicant and the date of inquiry on the said loan applicant's personal credit card is less than a predetermined period;
3. The personal credit assessment support device according to claim 2, wherein: The said unit for determining documents to be collected determines whether to collect some or all of the withholding slips, tax return, tax certificate and pay slips, except when determining to exempt the said documents to be collected if the said loan applicant is a worker or a representative of a corporation and is subject to or excepted from the total amount restrictions under the Money Lending Business Act, and when determining to collect a predetermined number of months' pay slips;
4. The personal credit assessment support device according to claim 3, wherein: the said collection subject document determination unit determines to exempt the said loan applicant from collection of the said documents subject to collection when the said loan applicant is a sole proprietor and is subject to the total amount restriction under the Money Lending Business Act, the loan balance of the company for which the said loan applicant has applied to borrow money is equal to or less than a predetermined amount, and the total amount of the said company's loan balance and the remaining amount of other companies' debts is equal to or less than a predetermined amount;
5. The personal credit assessment support device according to claim 4, wherein: The said unit for determining documents to be collected determines whether to collect a final tax return in cases other than when the said loan applicant is an individual business owner and is subject to or is an exception to the total amount restriction under the Money Lending Business Act and determines whether to exempt the said documents to be collected;
6. The personal credit assessment support device according to claim 5, By making a personal credit inquiry of the applicant for a loan to a personal credit information agency, the information provided by the personal credit information agency is
At least one of a mobile phone number and a home phone number;
Attribute information including a workplace telephone number and a workplace name;
an acquisition step in which an acquisition unit acquires borrowing information including a contract date when a money borrowing occurs;
The number of months since the applicant's employment is equal to or greater than the number of months stored in the storage unit that is the standard for determining the number of months since the applicant's employment is equal to or greater than the number of months since the applicant's employment is equal to or greater than the number of months since the applicant's employment is equal to or greater than the standard for determining ...
The mobile phone number or home phone number provided by the personal credit information agency matches the mobile phone number or home phone number specified by the loan applicant,
The business telephone number and business name provided by the personal credit information agency match the business telephone number and business name specified by the loan applicant, and
an employment verification exemption determination step in which, if a predetermined period has elapsed between the employment date included in the personal information submitted by the loan applicant and the inquiry date on which a personal credit inquiry was made on the loan applicant, or if a predetermined period has elapsed between the contract date included in the loan information and the inquiry date on which a personal credit inquiry was made on the loan applicant, an employment verification exemption determination unit determines to exempt the loan applicant from the employment verification process on the employer of the loan applicant;
a notification control step in which a notification control unit notifies the determination result of the employment confirmation exemption determination unit;
A method for supporting personal credit assessment. Computer,
By making a personal credit inquiry of the applicant for a loan to a personal credit information agency, the information provided by the personal credit information agency is
At least one of a mobile phone number and a home phone number;
Attribute information including a workplace telephone number and a workplace name;
an acquisition unit that acquires borrowing information including a contract date when a money borrowing occurs;
The number of months since the applicant's employment is equal to or greater than the number of months stored in the storage unit that is the standard for determining the number of months since the applicant's employment is equal to or greater than the number of months since the applicant's employment is equal to or greater than the number of months since the applicant's employment is equal to or greater than the standard for determining ...
The mobile phone number or home phone number provided by the personal credit information agency matches the mobile phone number or home phone number specified by the loan applicant,
The business telephone number and business name provided by the personal credit information agency match the business telephone number and business name specified by the loan applicant, and
an employment verification exemption determination unit that determines whether to exempt the loan applicant from employment verification work at the employer of the loan applicant when a predetermined period of time has passed between the employment date included in the personal information submitted by the loan applicant and the inquiry date of the loan applicant's personal credit inquiry, or when a predetermined period of time has passed between the contract date included in the loan information and the inquiry date of the loan applicant's personal credit inquiry;
a notification control unit that notifies the determination result of the employment verification exemption determination unit;
A personal credit assessment support program featuring the following features.