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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

JP2004062364A Accident information processing system 审中-公开
公开(公告)号：JP2004062364A
公开(公告)日：2004-02-26
申请号：JP2002217555
申请日：2002-07-26
申请人： Hitachi Ltd , 株式会社日立製作所
发明人： MITSUOKA ETSUO , IDE YUJI
IPC分类号： G09B29/00 , G06Q50/00 , G06Q50/26 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To efficiently prepare an accident state illustration to be used for traffic accident insurance business or the like. SOLUTION: A map server 101 stores electronic map history information 301 and an accident state illustration preparing client 106 acquires an electronic map corresponding to the date and place of a certain accident from the history information 301 through a network 118 on the basis of the accident place and prepares a traffic accident occurrence state illustration by arranging editor parts such as an accidental vehicle on the electronic map. Then an accident information processing system calculates an accidental rate by matching the current accident with leading cases of automobile accidents on the basis of the positional information of the editor parts on the inputted accident state illustration and environmental information such as weather and the occurrence time and the electronic map information. COPYRIGHT: (C)2004,JPO

3. 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.

4. 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

5. 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

6. 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.

7. 发明专利

JP2002304488A EMPLOYEE AUTHENTICATION METHOD AND SYSTEM 失效
公开(公告)号：JP2002304488A
公开(公告)日：2002-10-18
申请号：JP2001106621
申请日：2001-04-05
申请人： HITACHI LTD
发明人： IDE YUJI , MOROOKA YOSHITSUGU , MIYAZAKI HIROYUKI , NAKAGAWA MASAYUKI , TSUCHIYAMA CHIKAKO , MITSUOKA ETSUO
IPC分类号： G06Q20/40 , G06Q20/10 , G06Q40/00 , G06Q40/02 , G06Q40/04 , G06Q50/00 , G06Q50/10 , G06Q50/26 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To authenticate whether an optical person belongs to a group or not, particularly, it is a group employee (including a group OB) on the Internet. SOLUTION: An authentication organization for authenticating employees comprises a means for acquiring the information as to the salary deposit from the group from a bank designated for salary account by an employee, performing an employee judgement for judging whether the person is the employee or not according to the presence of salary deposit, and issuing an employee certification in the judgement of the employee. The server of a service providing company for performing a group discount service connected to the Internet asks the employee judgment in the authentication organization for authenticating employee on the basis of the employee certification received from an employee client, and provides a service such as group discount or the like by confirming that he or she is the employee of the group.

8. 发明专利

JP2002109219A COMPOUND FINANCING METHOD, ITS SYSTEM AND STORAGE MEDIUM WITH STORED PROGRAM CONCERNING THE METHOD 失效
公开(公告)号：JP2002109219A
公开(公告)日：2002-04-12
申请号：JP2000295664
申请日：2000-09-28
申请人： HITACHI LTD
发明人： MOROOKA YOSHITSUGU , MIYAZAKI HIROYUKI , NAKAGAWA MASAYUKI , IDE YUJI
IPC分类号： G06Q40/02 , G06Q20/10 , G06Q30/06 , G06Q40/00 , G06Q40/04 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To easily and rapidly compare financing and to rapidly perform financing by estimating financing collectively by a bank, a stock company and an insurance company through the use of Internet banking by a customer. SOLUTION: The customer transmits a desired financing condition to a financial institution such as the bank, etc. The bank, etc., performs an inspection and transmits information for specifying the customer to another financial institution when the customer purchases a financial merchandise from the financial institution. Another financial institution specifies the financial merchandise purchased by the customer from the information, estimates financing with the financial merchandise as security and transmits the result to the bank. The customer selects the desired financing from the presented estimation result and, then, financing is performed.

9. 发明专利

JPH11353378A CONTRACTOR SEGMENTATION METHOD 失效
公开(公告)号：JPH11353378A
公开(公告)日：1999-12-24
申请号：JP16021098
申请日：1998-06-09
申请人： HITACHI LTD
发明人： IDE YUJI
IPC分类号： G06Q30/06 , G06Q40/00 , G06Q40/04 , G06Q40/08 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To find a group whose rate of paid insurance money and a received insurance expense is unbalanced and to determine the rate of damage insurance which makes cheap the comparatively expensive insurance of the group by searching a group whose evaluation expression showing the separation between an insurance expense and insurance money is maximum as to contract data. SOLUTION: Parameters of a classifying process 302 for a contractor are inputted first. Then contract data 307 are read in to find mean values by combinations of categories of properties (vehicle kind, age, etc.), thereby generating contract data 305. Then insurance money data of the contract data 305 are converted to category values to generate a decision tree 306. The segments of the decision tree 306 are used to set insurance charge for the contract data 307. Then parameters of a search process 303 for searching the estrangement between the insurance money and a set insurance expense are inputted. Then the group having the maximum evaluated value is searched for by using the rate of the insurance money and set insurance expense as an evaluation expression and an additional rate is determined for the searched group.

10. 发明专利

JPH05225222A FUND SHIFT SIMULATION SYSTEM 失效
公开(公告)号：JPH05225222A
公开(公告)日：1993-09-03
申请号：JP2356092
申请日：1992-02-10
申请人： HITACHI LTD
发明人： SOMEYA HARUYUKI , IDE YUJI , ANDO KENJI
IPC分类号： G06Q40/00 , G06Q40/02 , G06Q50/00 , G06Q50/26
摘要： PURPOSE:To easily simulate the change of fund structure just for existent transactions attending on interest fluctuation by simulating the change of funds generated by the change of interest in the future and analyzing influences upon a financial coefficient in the future. CONSTITUTION:The predictive value of interest in the future is inputted and set by an interest predicting and setting program 206 with an interactive system to a user, and the value is stored in an interest predictive value file 222. A theoretical value calculation program 207 calculates the theoretical value data in the future of existing transaction data and stores those data in a theoretical value data file 223. A fund shifting information setting program 211 inputs and sets the shift information of funds with the interest fluctuation, and the information is stored in a fund shifting information file 225. According to the inputted and set data, a fund shifting future data calculation program 212 calculates future data just for fund shift and stores them in a fund shift future data file 226. A fund simulated result display program 213 sums up the further theoretical value of stepwise transaction data and the future data just for fund shift and stores them in a simulated result file 227.

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