CREDIT SERVER IN FINANCIAL INSTITUTION, CREDIT SYSTEM AND PROGRAM

摘要

PROBLEM TO BE SOLVED: To conduct credit scoring in consideration of specific situations and unique criterion in a financial institution side.;SOLUTION: A financial server corrects (s170, s190) examination information (s140 to s160) sent back from a guaranty server which has transmitted application information based on a correction parameter and customer information, and can decide (s200) credit descriptions from the corrected examination information. The correction parameter is the probability that a user goes into debt default due to an event preset by the financial institution side and allows for specific situations and unique criterion in the financial institution side, and accordingly a rate for failure can be calculated from the correction parameter to determine appropriate credit descriptions, which is especially effective when the financial institution side, namely the financial server can not acquire unique standards and information, and the like used for conducting credit scoring with the guaranty server.;COPYRIGHT: (C)2007,JPO&INPIT