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1. 发明专利

JP2004046525A Credit examination method and credit examination system 审中-公开
公开(公告)号：JP2004046525A
公开(公告)日：2004-02-12
申请号：JP2002202866
申请日：2002-07-11
申请人： Hitachi Capital Corp , Hitachi Ltd , 日立キャピタル株式会社 , 株式会社日立製作所
发明人： NOZAKI MASARU , SAKASHITA MASAHIRO , IDE YUJI , YOKOTA TAKESHI , SATO RYOJI , NISHIDA MASAO
IPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/04 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To provide a credit examination method capable of performing the loan acceptance to more customers by dispersing the credit risk of a customer as much as possible in the credit determination for a loan. SOLUTION: The data related to the customer are inputted (401), the credit examination for the customer is performed by use of the data (402), and the data related to the customer who is determined as "no execution of loan" in the credit examination are accumulated as refused customer information (405). A combination of one or more customer data of the refused customer information including the customer data determined as "no execution of loan" and accumulated before then is formed (407), the combination result is displayed (408), and the credit examination for a plurality of customers constituting the combination is performed (409) in reference to the display of the combination result. COPYRIGHT: (C)2004,JPO

2. 发明专利

JP2003187164A ELECTRONIC SETTLEMENT METHOD AND SYSTEM 审中-公开
公开(公告)号：JP2003187164A
公开(公告)日：2003-07-04
申请号：JP2001389901
申请日：2001-12-21
申请人： HITACHI LTD , HITACHI CAPITAL CORP
发明人： IESHIMA KENJI , FUTAKI SEIJI , SAKASHITA MASAHIRO , IDE YUJI , NOZAKI MASARU , YOKOTA TAKESHI , SATO RYOJI , NISHIDA MASAO
IPC分类号： G06Q20/24 , G06Q10/00 , G06Q20/00 , G06Q30/02 , G06Q30/06 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To enable each of a credit company, a member store (member site) and a customer to receive any merit by use of the detail personal information of the customer. SOLUTION: This system comprises a means for providing personal information to the member store on the agreement of a card owner. This system further comprises a means for giving a courtesy service from a card company or member store as the payback of information providing to the card owner. The card company comprises a means for receiving the consideration of the information providing from the member store. By these means, the card owner can receive the providing of a service, the member store can utilize precise information, and the card company can obtain the consideration from the member store. COPYRIGHT: (C)2003,JPO

3. 发明专利

JP2003173401A DEVICE AND METHOD FOR SUPPORTING BROKERING SERVICE 审中-公开
公开(公告)号：JP2003173401A
公开(公告)日：2003-06-20
申请号：JP2001372625
申请日：2001-12-06
申请人： HITACHI LTD , HITACHI CAPITAL CORP
发明人： YOKOTA TAKESHI , SAKASHITA MASAHIRO , IDE YUJI , NAKAGAWA MASAYUKI , TAKAI KUNIHIKO , NOZAKI MASARU , SATO RYOJI , NISHIDA MASAO , TAKEDA MASASHI , TAKUBO TAKUYO
IPC分类号： G06Q30/06 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To support brokering of the trade between a provider who provides business services, human resources, commodities, etc., and an introducer who introduces them. SOLUTION: Evaluation information on the service provider by the introducer who introduced the services is accumulated. When a condition for request to the provider is received from a person who newly introduces the service, a group of providers agreed with the condition of request is extracted based on the accumulated evaluation information. Selection of the provider by the introducer is received, the trade between the two is brokered, the evaluation of the provider by the introducer is received after the trade is completed, and the accumulated evaluation information of the provider is updated. COPYRIGHT: (C)2003,JPO

4. 发明专利

JP2003115012A TRANSACTION PROCESSING SYSTEM AND METHOD 审中-公开
公开(公告)号：JP2003115012A
公开(公告)日：2003-04-18
申请号：JP2001310301
申请日：2001-10-05
申请人： HITACHI LTD , HITACHI CAPITAL CORP
发明人： IESHIMA KENJI , IDE YUJI , YOKOTA TAKESHI , NOZAKI MASARU , FUTAKI SEIJI , SAKASHITA MASAHIRO , SATO RYOJI , NISHIDA MASAO
IPC分类号： G06F17/30 , G06Q10/00 , G06Q20/00 , G06Q20/24 , G06Q30/02 , G06Q30/06 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To provide a transaction processing system and method for collecting data to be analyzed which are matched with an analytical viewpoint at the time of transaction. SOLUTION: Prescribed transaction processing is executed on the basis of person management information and transaction information inputted at the time of card transaction, whether transaction of a prescribed type has been executed by the prescribed number of times or not, and when the transaction has been executed, owner information corresponding to a person management number is outputted.

5. 发明专利

JP2003044679A Providing method of financial service, system and financial agency device 审中-公开
标题翻译：提供财务服务，系统和财务机构的方法
公开(公告)号：JP2003044679A
公开(公告)日：2003-02-14
申请号：JP2001228321
申请日：2001-07-27
申请人： Hitachi Capital Corp , Hitachi Ltd , 日立キャピタル株式会社 , 株式会社日立製作所
发明人： OSHIMA HIDEKO , NOZAKI MASARU , SATO RYOJI
IPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/04 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To analyze accumulated client information to be provided to financial institutions as profiling information by managing the financial property of clients which a plurality of the financial institutions manage in place of the clients. SOLUTION: Financial transaction such as inquiry and totalization of property contents of transaction financial institutions, measurement and warning of a risk amount of the financial property, proposal of cancellation and purchase of the financial products, deposit, withdrawal, transfer or the like is enabled in place of the clients contracted with a financial agency company by the financial agency company 12 executing business of the financial institutions, a web site of the financial agency company and an automatic teller machine, and a financial agency device 120 providing client information obtained by the service, transaction information and analysis result of the transaction information to an enterprise contracted with the financial agency company.
摘要翻译：要解决的问题：通过管理多个金融机构管理的客户的金融财产来代替客户，分析要提供给金融机构的累计客户信息作为分析信息。解决方案：开展金融交易，如交易金融机构财产内容的查询和总计，金融财产风险金额的计量和预警，金融产品的取消和购买建议，存款，提款，转账等。由金融机构公司12执行金融机构业务的金融机构公司的客户的地方，金融机构公司的网站和自动取款机，以及提供由服务获得的客户信息的金融机构设备120 ，交易信息和交易信息分析结果给与金融代理公司签约的企业。

6. 发明专利

JP2003123012A SETTLEMENT PROCESSOR AND SETTLEMENT PROCESSING METHOD 审中-公开
公开(公告)号：JP2003123012A
公开(公告)日：2003-04-25
申请号：JP2001318673
申请日：2001-10-16
申请人： HITACHI LTD , HITACHI CAPITAL CORP
发明人： YOKOTA TAKESHI , SAKASHITA MASAHIRO , IDE YUJI , NOZAKI MASARU , SATO RYOJI , NISHIDA MASAO
IPC分类号： G07F19/00 , G06Q20/00 , G06Q20/02 , G06Q30/06 , G06Q40/00 , G06Q40/02 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To provide a settlement processing system reducing burdens of a charge payment processing at the time of a merchandise transaction. SOLUTION: A user deposits a prescribed or optional money amount to the settlement processing system 10. The settlement processing system 10 gathers funds deposited from a plurality of users, deposits them in a financial institution as a common account and manages the breakdown in a common account data base 18. The user can be either a seller or a purchaser of merchandise and a payment processing of a charge relating to merchandise purchase and sale is performed by changing the breakdown of the common account data base 18.

7. 发明专利

JP2004139198A Limited sum calculating device and its method 审中-公开
公开(公告)号：JP2004139198A
公开(公告)日：2004-05-13
申请号：JP2002301224
申请日：2002-10-16
申请人： Hitachi Ltd , 株式会社日立製作所
发明人： YOSHIKAWA YUTAKA , NOZAKI MASARU , SEKIMOTO TAKAO
IPC分类号： G06Q40/06 , G06Q40/00 , G06Q40/02 , G06Q40/04 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To provide a limited sum calculating method for optimizing the risk return of a bond portfolio whose credit limited sum is determined. SOLUTION: As for a bond portfolio whose credit limited sum is determined, the ranking data and limited sum data of each customer are inputted, and when a use sum rate expressed with a probability distribution function and a delay sum rate expressed with the probability distribution function, a collection rate expressed with the probability distribution function, and inter-ranking transition probability matrix are defined as probability variables, the value of portfolio after t term is calculated by Monte Carlo simulation as variables for optimizing the credit limited sum. Then, the combination of the limited sum for optimizing the value of the portfolio is calculated by a combination optimizing means. Thus, it is possible to calculate the optimal credit limited sum for each customer. COPYRIGHT: (C)2004,JPO

8. 发明专利

JP2001005795A METHOD FOR DETECTING ABNORMALITY IN DISTRIBUTED SYSTEM 失效
公开(公告)号：JP2001005795A
公开(公告)日：2001-01-12
申请号：JP17097099
申请日：1999-06-17
申请人： HITACHI LTD
发明人： NOZAKI MASARU , SHIMABUKURO JUN , SANBE RYOTA , HIRAI CHIAKI , KAWAKAMI MASUMI
IPC分类号： G06F11/30 , G06F15/177
摘要： PROBLEM TO BE SOLVED: To detect the existence/absence of abnormality in a distributed system without providing each device with a function that detects abnormality and performs reporting. SOLUTION: An abnormality detecting device 100 provided with a decision rule table on which relations to be satisfied between communication data caused to flow on a network 10 are described is provided on the network 10. The device 100 monitors whether the relations described on the decision rule table are satisfied by intercepting communication data caused to flow on the network 10, and when the relations are not satisfied, the device 100 detects it as abnormal.

9. 发明专利

JP2002230328A SYSTEM AND METHOD FOR ARTICLE SALES INTERMEDIATION 失效
公开(公告)号：JP2002230328A
公开(公告)日：2002-08-16
申请号：JP2001023591
申请日：2001-01-31
申请人： HITACHI LTD
发明人： YOSHIKAWA YUTAKA , NOZAKI MASARU , SEKIMOTO TAKAO , NAKAGAWA MASAYUKI , TSUCHIYAMA CHIKAKO
IPC分类号： G06Q50/00 , G06Q30/02 , G06Q30/06 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To provide a system and a method for article sales intermediation which enables an information user to gather more evaluation information of high use value and the consumer to receive a reward even for evaluation information showing no recommendation to purchase the article specified by evaluation information on the article registered by an information provider. SOLUTION: A service provider server 101 provides an electronic bulletin board bulletining evaluation information regarding the article by the consumer and mediates in article sales between the consumer and article provider by using an article sales intermediating means 107. When the intermediation is successful, the service provider server 101 obtains evaluation information that the consumer referred to when purchasing the article from a reference history DB 105 and updates an intermediary result DB 106 for the evaluation information. Further, the service provider server 101 calculates a profit allotment amount regarding the article sales intermediation, collects the profit allotment from the article provider, and gives the profit allotment to the person who registered the evaluation information according to the intermediary result of the evaluation information.

10. 发明专利

JP2002092305A SCORE CALCULATING METHOD, AND SCORE PROVIDING METHOD 失效
公开(公告)号：JP2002092305A
公开(公告)日：2002-03-29
申请号：JP2000283779
申请日：2000-09-13
申请人： HITACHI LTD
发明人： NOZAKI MASARU , YOSHIKAWA YUTAKA , MARUOKA TETSUYA
IPC分类号： G06Q10/04 , G06Q10/00 , G06Q10/06 , G06Q50/00 , G06F17/60 , G06F19/00
摘要： PROBLEM TO BE SOLVED: To select a prediction model allowing adequate scoring for every customer in a method of calculating score from customer data. SOLUTION: Prediction models for calculating a characteristic amount of a customer from the customer data are hierarchically arranged, one or more of the items of the customer data are set as input data using the prediction model in a first layer, an output value is calculated from the input data, and a prediction model in the next layer is selected in response to the output value. This process is repeated to the lowest layer, and a prediction model for setting the score disposed in the lowest layer as an output value is selected.

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