LOAN SYSTEM, CREDIT INFORMATION GENERATING DEVICE, LOAN DETERMINING DEVICE AND LOAN CONDITION DETERMINING METHOD
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United States of America Patent
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Issued Date -
Sep 25, 2014
app pub date -
Feb 5, 2014
filing date -
Mar 19, 2013
priority date (Note) -
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status (Latency Note)
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Abstract
A loan system includes a loan determining device configured to determine a loan condition, and a credit information generating device configured to provide credit information of a store, which applies for a loan, to the loan determining device. The credit information generating device includes a storage unit that stores store operation result data including accumulation of latest data generated along with a store operation, a score data generating unit configured to generate score data of the store based on the store operation result data in a predetermined period, and a credit information generating unit configured to generate credit information of the store based on the score data. The loan determining device includes a credit information obtaining unit configured to obtain the credit information of the store, and a loan condition determining unit configured to determine a loan condition to the store based on the credit information of the store.
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