JP2003256651A - Method for application data authentication service - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To electronically perform an application from an applicant to an application accepting agency via a financial institution, and allow the application to be examined by a third party. <P>SOLUTION: Before the application from the applicant is received by the application accepting agency, a central organization administrating trade information between the applicant and the financial institution accepts the applicant to confirm that there is a trade between the applicant and the financial institution. This confirmation is performed based on the information (issue of electronic bills, administration of movements) on the trade performed between the applicant and the financial institution through the central organization. Also the central organization adds the trade information such as electronic bills between the applicant and the financial institution for the application from the applicant to application data. Since the central organization confirms that there is the trade between the applicant and the financial institution and adds the information to the application, the accuracy of the determination whether the application is accepted or not by the application accepting agency can be increased. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an application data authentication service. In particular, when an applicant requests a guarantee authentication from an application receiving organization via a financial institution, it is a third party. The present invention relates to an application data authentication service that can improve the reliability of these authentication operations.

[0002]

2. Description of the Related Art A small-scale company or a company or an individual who intends to start a new business obtains a guarantee of payment from a credit guarantee association when a credit institution cannot obtain a sufficient loan from its own credit. This makes it easier to receive loans. Here, the credit guarantee association is an organization that guarantees payment of its debt when a company receives a loan from a financial institution. In this case, an organization other than the application source company or the application receiving organization that is the application destination may provide additional information to the application. For example, when a corporation seeks a guarantee of debt from a credit guarantee association (application acceptance institution), a financial institution that is equivalent to another institution submits information on transactions with the corporation in an application to the credit guarantee association for transactions between the corporation and the financial institution. Filling in the content is done.

Conventionally, when a company applies for a guarantee to the credit guarantee association, the application is made by a paper application form. Specifically, as shown in FIG. 8, the applicant 802, who is a company that wants to receive a guarantee for a loan, enters the desired amount of loan and other necessary items in the applicant entry field of the application form 810,
The signature is stamped and submitted to the financial institution 801. Financial institution 8
01 is the source 802 and the financial institution 801 in the application form 810.
The transaction status (such as information on deposits and loans) is added, other necessary items are entered, and the signature is affixed and sent to a guarantee agency 803 such as the Credit Guarantee Society.

[0004]

The inventor considered performing the conventional method shown in FIG. 8 electronically, studied the improvement of the conventional method, and found the following problems. First,
It is difficult for the guarantee organization 803 to confirm from the information other than the application form described that the application source described in the received application form 820 and the financial institution have a transaction. This may be because the application form 820 only describes deposits, loan balances, etc. by the financial institution 801 that is the party, and may not objectively show information on transactions from the past. In addition, the guarantee organization 803 uses the application source 802 to determine whether to accept the application.
Although the transaction information of the financial institution 801 is referred to, sufficient examination may not be possible only with the balance of deposits and loans.

The present invention has been made in view of the above circumstances, and a first object of the present invention is to improve the efficiency of application processing by electronically making an application to the application receiving organization as described above. Especially.

A second object of the present invention is to provide a mechanism and a method for facilitating confirmation by the application receiving organization of the true transaction between the applicant and the financial institution and the transaction status.

A third object of the present invention is to provide a mechanism in which a third-party organization can participate in the management of detailed information about the applicant in order for the application receiving organization to examine the application with high accuracy. is there.

[0008]

[Means for Solving the Problems] In order to achieve the above object, according to the present invention, when an electronic application is made from an application source to an application receiving organization, a central organization serving as a third party is involved in the original application route. , Decided to mediate the application electronically.

First, before the application receiving organization receives the application from the application source, the central organization that manages the transaction information of the application source and the financial institution receives the application and confirms that there is a transaction between the application source and the financial institution. . Here, the central institution is a financial institution or other organization that controls a plurality of financial institutions, such as Shinkin Central Bank, Norin Central Bank, National Credit Union Joint Federation, Bank of Japan, National Bankers Association. This confirmation is information about the transaction between the applicant and the financial institution made through the central institution,
For example, it is transaction information of an electronic bill that realizes the same function as a bill on a network. The central institution also adds transaction information such as electronic bills of the applicant and the financial institution to the application from the applicant. The central institution confirms that there is a transaction between the applicant and the financial institution, and the central institution adds information to the application so that the application receiving institution can confirm the transaction information between the applicant and the financial institution. Further, the accuracy of the determination of acceptance / non-acceptance of the application can be improved by the information of the electronic bill.

[0010]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below in detail with reference to the drawings. First, the overall mechanism of the service method according to the present invention will be described with reference to FIG. FIG. 10 is a diagram for explaining the relationship between the parties involved in the present invention and a third organization, and the situation of information collection and transactions that are the premise of the present invention.

The central institution 1001 plays a role of a central institution of a financial institution, for example, Shinkin Central Bank, Norinchukin Bank, Bank of Japan, other central institutions of a plurality of related institutions, governmental institutions, etc. Is. Financial institution 10
02 shows only one, but the central organization 1001
There are a plurality of organizations related to, for example, credit unions, agricultural cooperatives, JAs, banks, and others. Company A1003 and Company B1004 use the financial institution 1002 to make deposits, transfers,
It is a company that transfers funds and conducts electronic commerce. Certificate Authority 1
005 is a certificate that examines the credit status of the company A 1003 and the company B 1004, and if it passes the examination, issues a certificate, public key, etc., and approves that a specific service using the central institution 1001 or the financial institution 1002 is provided. 1013, 101
Providing 4. Computer systems are installed in all of the above 1001 to 1005, and they are network 16 of any configuration such as the Internet or public network.
Connected by 0.

[0012] The financial institution 1002 not only operates the operator 1010 who inputs a normal transaction, but also RAO (Registratio).
There is an operator 1009 that plays the role of n Authority Operator) 1007, and the operator 1009 collects information on transactions between companies and inputs it into a computer. The input data passes through the server group 1018 of the central institution 1001 and is connected to the company information DB (“database” is abbreviated as “DB”; hereinafter the same) 112 and the server group of the certificate authority 1005 (not shown). ). In addition, deposits and withdrawals, exchanges of conventional bills, exchanges of electronic bills, and electronic commerce are performed between companies. Of these data, data that needs to be managed by the central institution 1001, for example, electronic bill account information is stored in the bill information DB 111 (of course, other data is stored in the DB of the central institution 1001).
May be stored in). Central Organization Operator 1008
Input various data (stock price, corporate credit data, etc.) that the central organization obtains. The input data is Central Organization 1
Company information DB 11 via the server group 1018 of 001
2 and a database group (not shown) connected to the server group of the certificate authority 1005. The certificate authority 1005 is the operator 1
Since the authentication work can be performed using the data input by 008, 1009, more information can be obtained. Further, it is possible to solve the problem that a ghost company that is substantially inactive is also authenticated, and the problem that the freshness of company information is not good (registered companies are examined several times a year).

The dotted line indicating the authentication center 1006 indicates that the range which has been virtually expanded by the operator 1008 of the central organization performing the work conventionally performed in the certificate authority 1005. Regarding RAO as well, it is similarly shown that its range extends to the financial institution 1002.

The examination result DB 113 is a DB for recording the examination of the company, and the details will be described later.

Next, a system configuration diagram of this embodiment will be described with reference to FIG. The present invention relates to a central engine system 110,
A certification authority system 120, a financial institution system 140, an application receiving institution system 150, and an application source system 130 are connected by a network 160.

The central institution system 110 is a system installed in a central institution (1001 in FIG. 10) and acts as an intermediary between applications from an application source and an application receiving organization. Central organization system 1
10 is a bill information DB 111, company information DB 112, examination result DB 113, processing device 140, input / output device 11
5. The communication device 116 is provided, but these can be realized by a known device configuration using a normal server device or a host computer.

The bill information DB 111 is a DB in which transaction information of electronic bills conducted through the central institution system is recorded. The company information DB 112 is a DB that records company information
It is used by the central agency system for electronic bill transactions and for mediation of applications. The examination result DB 113 is a DB that manages the registration when the central institution or the financial institution sets the registration of the user of the certification authority 120 and the validity information of the certificate. The processing device 114 is based on a program stored in the storage device 117 and is based on a DB, an input / output device 115, and a communication device 116.
Is a device for controlling, for example, a CPU. The input / output device 115 is a device that performs input from a person in charge who operates the central organization system and outputs information to the person in charge, and is, for example, a keyboard and a display. The communication device 116 is a device for the central institution system 110 to communicate with other systems via the network 160, and is, for example, a network card or a router. The storage device 117 is a device that stores a program executed by the processing device 114, and is, for example, a memory or a hard disk.

The certificate authority system 120 includes a certificate authority (see FIG. 10).
1005) of the public key infrastructure, which issues certificates and manages validity of public key infrastructure. The application source system 130 is a device installed in a company or the like (1003, 1004 in FIG. 10) that makes various applications, and is, for example, a personal computer having a network connection function.

The financial institution system 140 is a device installed in a financial institution such as a credit union, a credit union, and a bank (1002 in FIG. 10), and includes a processing device 141 and an input / output device 14.
2. It has a communication device 143 and a storage device 144. Here, the processing device 141, the input / output device 142, the communication device 143,
The storage device 144 is similar to the processing device 114, the input / output device 115, the communication device 116, and the storage device 117 of the central engine system 110, respectively. The processing device 141 executes the program stored in the storage device 144.

The application receiving institution system 150 is a system installed in an institution that receives various applications from the application source. The application receiving institution is, for example, a credit guarantee association, an institution that receives applications for various subsidies and maintenance funds, a national government, a local public entity, or a financial institution itself. The network 160 is a communication path for transmitting information between each system.

Next, the information stored in the bill information DB 111 will be described with reference to FIG. The bill information DB 111 is a DB for recording electronic bill transactions by companies,
The bill information 200 is recorded for each electronic bill. Here, the electronic bill is a bill that is a conventional paper face and is replaced by using a computer and a network.
Based on the bill information 200 shown in (3), the claims and debts of the company etc. by the electronic bill are fixed. The bill information 200 is created in the bill information DB 111 when an electronic bill is newly issued, and is thereafter updated and added each time a transaction such as a transfer is made. The bill information 200 includes a bill number 201, a state 202, and a sender ID 20 as shown in FIG.
3, payment date 204, payment due date 205, payment amount 206,
It holds a payment place 207, a payee ID 208, an endorsement 209, a right holder ID 210, a transfer telegram 211, a transfer telegram 212, and a deposit account 213. The bill number 201 is a number that identifies each electronic bill and is assigned by the central organization system 110 when the electronic bill is drawn. State 202
Is the state of the electronic bill at that time, "before redemption" when the due date is not reached, "redeemed" when payment is made by the issuer, and the issuer even after the due date "Failure" if payment is not made due to lack of funds
And record. The sender ID 203 is a number for identifying the sender, and is ID30 of the company information DB 112 described later.
Record 1. The drawing date 204 is the day when the electronic bill is drawn. The payment due date 205 is recorded at the time of payment as the date when the electronic bill is paid. The payment amount 206 is the amount to be paid from the sender to the right holder at that time on the payment date 205. The payment location 207 records the financial institution and the account to which the issuer pays on the payment date. The recipient ID 208 is a number for identifying the right holder who receives the payment of the electronic bill from the sender at the time of the transfer, and the company information DB 1
Record 12 IDs 301. Endorsement 209 is information for keeping a record of the transfer of electronic bills (change of the person who has the right to receive payment of electronic bills). Endorsement (1), endorsement (2), ... Endorsement (n) and electronic Add each time a bill is transferred. The contents recorded in each endorsement 209 are the endorsement and the endorsement. When the electronic bill is transferred to the endorser, the ID 301 is recorded from the transfer source company information 300, and the endorsement is also transferred from the transfer destination company information 300 I
Record D301. The right holder ID 210 is a number for identifying a person who has the right of the electronic bill at that time,
The ID 301 of the company information DB 112 is recorded. The drawing-out telegram 211 is a message sent from the maker to the central institution system 110 when the electronic bill is laid out, and the contents of the electronic bill to be laid out are electronically signed by the maker.
The transfer telegram 212 is a telegram sent from the transfer source to the central institution system 110 when the electronic bill is transferred, and the transfer content (designation of the transfer destination, etc.) is given an electronic signature by the transfer source. When the electronic bill is redeemed, the deposit account 213 records the financial institution and the account in which the redemption deposit was made. If the electronic bill has not been redeemed, it is set as “before redemption”.

Next, details of one record in the company information DB 112 shown in FIG. 3 are shown. The company information DB 112 is a DB for recording company information, and records company information 300 managed for each company. Company information 300 is shown in Figure 3.
As shown in, ID 301, name 302, representative name 30
3, transaction financial institution 304, location 305, capital 30
6, sales 307, technical ability 308, financial institution transaction content 3
51, financial institution loan amount 352, financial institution remaining debt amount 35
3. Hold financial institution collateral 354, financial institution delinquency history 355, guarantee record 360, and credit rating 361. ID 301
Is a number that uniquely identifies a company and records a number that does not overlap with other company information when the company information 300 is created. In addition, since financial institutions may receive electronic bills,
The financial institution is also given the ID 301 so that the company and the financial institution can be identified by the ID 301. Name 302, representative name 303, financial institution 304, location 305, capital 306, and sales 307 are the name (trade name) of the company, the name of the representative of the company, and the financial institution with which the company conducts transactions. Record name, branch and account number, company location, company capital amount, company sales. The technical capability 308 is information representing the technical capability of the company, and records, for example, the number of acquired patents. The financial institution transaction content 351 is a transaction relationship between the company and the transacting financial institution 304, and is “current” when a current account is opened, “normal” when an ordinary savings account is opened, “Time” is recorded when depositing a time deposit, “financing” is received when a loan is received, and “discount” is recorded when a bill is discounted. The financial institution residual debt amount 353 is an unpaid amount of the loan that the company receives from the transaction financial institution 304. The financial institution collateral 354 is the type of collateral provided by the company to the transaction financial institution 304 and its evaluation amount. Financial institution delinquency history 3
55 is a history recorded when a repayment is delayed among the loans the company has received from the transaction financial institution 304 so far. If the repayment is delayed, record the date and amount. If there is no delay in repayment, the value will be “None”. The guarantee record 360 is a history of financing by a financial institution that a company has guaranteed by a guarantee institution.
Record the date and amount. This guarantee record 360 indicates that when a financial institution receives a guarantee from a guarantee institution and makes a loan, the loan is based on the guarantee from the financial institution system 140 or the application acceptance system installed in the guarantee institution. The institution system 110 receives the notification, and records the date and time and the amount of money from the information on the guarantee. The credit rating 361 is a rating of a company and records a value determined by a financial institution or an external rating agency. The information of these 301 to 361 is the information of the RAO operator 1008, 1 shown in FIG.
009 can be input.

In FIG. 3, the transaction financial institution 304
Although only one is described, the transacting financial institution 304 may record the names of a plurality of financial institutions when the company transacts with a plurality of financial institutions. In that case, financial institution transaction content 351, financial institution loan amount 352, financial institution remaining debt amount 3
53, financial institution collateral 354, and financial institution delinquency history 355 are recorded for each of a plurality of financial institutions registered in the transaction financial institution 304.

Next, details of the examination result DB 113 shown in FIG. 4 will be shown. The examination result DB 113 is a DB for recording examinations of companies, and records examination results 400 for each company. In the examination result 400, the result of the financial institution 1002 and / or the central institution 1001 judging the situation of the company is recorded. Here, a company's status is a credit rating judged from the cash flow status of the company, and is information on whether or not a financial institution allows the company to carry out transactions. The examination result 400 may be reflected in the validity of the certificate of the company managed by the certificate authority 120. ID401 is the examination result 4
00 is a value indicating which company, and ID 301 of the company information 300 is recorded. The state 402 records whether or not the business transaction is permitted as “valid” or “revoked”. In the case of “revoke”, the financial institution does not permit the business transaction and the certificate authority 120 manages it. The corporate certificate also shows that it has been revoked. The valid information registration date 403 is the date when the validity is recorded in the state 402, and is the date when the examination result 400 is registered if the validity is never expired. The valid information registrant 404 is a person (institution) that has transmitted an instruction to record validity to the state 402 to the central institution system 110, and is, for example, the name of a financial institution with which the company with the ID 401 conducts transactions. The revocation information registration date 405 is the date when revocation was recorded in the state 402, and when it is not revocation, it is recorded as “none”. Revocation information registrant 4
Reference numeral 06 denotes a person (institution) that has transmitted an instruction to record the revocation to the state 402 to the central institution system 110, and has, for example, an ID.
This is the name of the financial institution with which the company 401 conducts transactions, and if it has not expired, it is recorded as "none".

Next, a process of registering company information with a central institution by a financial institution and a process of invalidating the validity of a certificate managed by a certificate authority will be described with reference to FIG. This processing is performed by the financial institution system 140, the certificate authority system 120,
This is done using the central authority system 110. The operation in each system is based on the program stored in each storage device.

First, the financial institution 1002 is the central institution 100.
A new registration process 500 for registering company information in 1 and issuing a certificate at a certificate authority will be described. The financial institution system 140 receives input of information on a newly registered company from the input / output device 142 (step 501). Among the items shown in the company information 300 of FIG. 3, the items to be input here are
It is an item excluding the ID 301. The financial institution system having received the information of the company transmits them to the central institution system by the communication device 143 (step 502). When the central institution system 110 receives the information of the company transmitted from the financial institution system by the communication device 116 (step 503), the received contents are changed to the new company information 3
Registered as 00 in the company information DB 112 (step 5)
04). Here, ID 301 is I of other company information 300.
A number different from D301 is given. After that, the company in the registered company information 300 can be identified by the ID 301. In addition, the central institution system 110 is the examination result DB 11
The new examination result 400 is registered in 3. ID 401 of examination result 400 to be registered is newly registered company information 300
ID 301, the state 402 is “valid”, the valid information registration date 403 is the date of the processing, and the valid information registrant 404 is the name of the financial institution that has transmitted the company information.

Next, the central authority system 110 transmits the contents of the registered company information 300 to the certification authority system 120 by the communication device 116 (step 505). Upon receiving the content of the company information 300 (step 506), the certificate authority system 120 performs a process of issuing a certificate of the company or representative based on the content (step 50).
7).

With the above processing, since the certificate is issued by the certificate authority, the company can conduct electronic commerce based on the public key infrastructure. At this time, the company has been registered by a financial institution and issued a certificate. Here, the registration of a company by a financial institution is a transaction between the financial institution and the company,
For example, it is based on the authentication of the company performed by confirming that the staff of the financial institution visits the company, visits the window of the financial institution, uses the account of the financial institution, etc. Therefore, in these transactions between a financial institution and a company, in the event that the financial institution thinks that the company's certification should be revoked, it is essential to revoke the certificate issued by the financial institution to the company. Become. The revocation registration process 550, which is a process for revoking the validity of the certificate managed by the certificate authority, will be described.

First, the financial institution system 140 uses the input / output device 142 to input the ID 30 of the company to be invalidated as examination information.
The input of 1 is received (step 551). The financial institution system 140 uses the communication device 143 to transmit the examination information to the central institution system 110 (step 552). When the central institution system 110 receives the examination information through the communication device 116 (step 553), the ID 301 in the examination information is received.
Search the examination result 400 specified by
Is referred to as "expired". In addition, the revocation information registration date is the date of the revocation processing, and the revocation information registrant 406 is the name of the financial institution that transmitted the examination information (step 554). Next, the ID 301 of the company to be revoked is transmitted from the communication device 116 to the certification authority system 120 as examination result update information (step 555). The certificate authority system 120 registers the certificate of the company specified by the received information as a revoked state. Through the above processing, the certificate issued by the certificate authority is considered to have been revoked, and the company cannot use the certificate for electronic commerce based on the public key infrastructure.

Next, the outline of the electronic bill transaction mentioned in FIG. 10 will be described with reference to FIG. Usually, bills have rights and obligations depending on the contents written on the face of paper, and transfer of the right is not convenient because the face needs to be moved. Therefore, a third party other than the bill maker and the payee centrally manages the same contents as the bills and notes, and the generation and transfer of rights and obligations are instructed by a draft or transfer via the network. It is effective to realize a managed electronic bill system. Here, it is assumed that the central organization system 110 has a role of the third party who manages the information of the electronic bill. As an outline of electronic bill transactions, we will explain the distribution and redemption of electronic bills. Transfer of electronic bills is also feasible.

As shown in FIG. 9, the transaction of electronic bills is performed by a central institution system 110 for managing electronic bills, a financial institution system 140 for settlement of funds, and a drawer system installed in a company for conducting electronic bills transactions. 901, the recipient system 902. Here, the drawer system 9
Reference numeral 01 is a system installed in a company that is a sender of electronic bills, and recipient system 902 is a system installed in a company that is a recipient of electronic bills. However, the drawer system 901 and the recipient system 902 are distinguished for convenience according to their roles, and the functions are not limited to only the drawing and the receiving. In addition, the central engine system 110
And the financial institution system 140 are the storage device 1
17, it is assumed that it operates by the processing program stored in the storage device 144.

Drawing processing unit 9 which is processing for drawing an electronic bill.
10 will be described. The drawer system 901 receives the contents of the electronic bill to be drawn (step 911). The contents of the electronic bill to be drawn out here are the payer ID 203, the payout date 204, the payment date 205, the payment amount 206, the payment place 207, and the payee ID 208 in the bill information 200 shown in FIG. The sender system 901 attaches an electronic signature to the contents of the electronic bill to be sent out, and sends it as a telegram message to the central institution system 110 (step 912). When the central institution system 110 receives the drawing-out telegram from the drawer system 901 (step 914), it transmits the received electronic bill information to the recipient system 902 (step 914). Here, the recipient system 902 which is the destination is the recipient system of the company specified by the recipient ID 208 of the electronic bill. Recipient system 902
Receives the information of the electronic bill to be issued (step 91
5) Display the contents on a screen or the like, and receive an input as to whether or not to accept the electronic bill. Here, the input of acceptability or acceptance is an input for determining whether or not the operator of the recipient system receives the electronic bill. The recipient system, which has received the acceptability input, transmits the acceptability to the central organization system 110 (step 916). The central authority system 110 receives the acceptability from the recipient system (step 91).
7). The central authority system 110 interrupts the process if the receipt is denied here. Next, central authority system 110
Registers the information of the newly issued electronic bill in the bill information DB 111 (step 918). This bill information DB1
Registration to 11 is performed by newly creating the bill information 200 in the bill information DB 111. At this time, the bill number 201 of the bill information 200 is given a number that can be distinguished from the other bill numbers 201, and the state 202 is “before redemption”. Also, the sender ID 203, the issuing date 204, and the payment due date 20.
5, payment amount 206, payment place 207, recipient ID 20
8 records the contents received by the electronic drawing message. In addition, the received telegram message is also recorded in the telegram message 211. Endorsement 209
Is empty at this stage. Right holder ID 210 is recipient I
Record the same contents as D208. This is just after the drawing
This is because the right holder of the electronic bill is the company designated as the recipient at the beginning. From the above, the central engine system 110
It is assumed that the new electronic bill information is registered in the bill information DB 111, and the electronic bill becomes effective.

The electronic bill is transferred by the transfer source company to the central organization system 110.
This is performed by adding a digital signature to the notification including 01 and the transferee ID 301 and transmitting the notification. Upon receiving the notice of transfer, the central institution system 110 adds one endorsement 209 for the bill information specified by the bill number 201,
The ID 301 of the transfer source is recorded therein as the endorser, and the ID 301 of the transfer destination is recorded as the endorsed person. Furthermore, right holder I
Rewrite D210 with the ID 301 of the transferee. Further, the central institution system 110 saves the notification received from the transfer source company in the transfer telegram 212. By this processing, a record of the transfer of the electronic bill is recorded in the bill information 200.

Next, the redemption processing unit 950, which is the processing for redeeming the electronic bill, will be described. Central engine system 110
Checks the bill information DB 111 every day and retrieves and extracts the bill information 200 having the payment due date 205 from the bill information 200 whose status 202 is "before redemption" (step 951). The central institution system 110 transmits the redemption fund settlement information to the financial institution system 140 installed in the financial institution designated by the payment place 207 of the extracted bill information 200 (step 952). Here, the redemption fund settlement information is the payment amount 206 and the payment location 20 of the bill information 200.
7. Right holder ID 210 and ID 3 of company information 300
01 is the transaction financial institution 304 of the company information 300 that matches the right holder ID 210. When the financial institution system 140 receives the redemption fund settlement information (step 9539), the financial institution system 140 performs the redemption fund settlement from the sender to the right holder (step 95).
4). This settlement of funds is performed by the transaction financial institution 3 identified by the right holder ID from the payment location 207 in the redemption fund settlement information.
It is the transfer of funds by the amount 206 of payment to 04. When the redemption fund settlement is completed, the financial institution system 140 transmits the redemption fund settlement result (whether or not the withdrawal from the account designated by the payment location 207 is successful) to the central institution system 110 (step). 955). Upon receiving the redemption fund settlement result (step 956), the central institution system 110 reflects the redemption result in the bill information DB (step 957). Here, as a result of the redemption, when it is notified that the withdrawal from the account designated by the payment place 207 in the redemption fund settlement information is successful,
The state 202 of the bill information 200 is set to “redeemed”, and if the withdrawal fails, it is set to “non-delivery”. Also, deposit account 2
In 13, the information of the transaction financial institution 304 of the company information 300 that matches the right holder ID 210 that is the payment destination of the funds is recorded. By the above processing, the fact that the electronic bill has been redeemed is recorded in the bill information DB 111 of the central institution system 110, and if the settlement of the funds is successful, the effect of the electronic bill disappears, and if it fails, It was registered that there was a non-payment to the sender.

Next, a flow in which the central organization adds information to the application to the application receiving organization and the information is transmitted to the application receiving organization will be described with reference to FIG. Here, a flow will be described in which the content of the application is an application for guarantee of a loan, and the application receiving organization gives a guarantee to the loan made by the financial institution to the application source.

In the application, first, application source application data is created by the application source system 130 installed in the application source. This application source application data is the content of the application made by the application source, and is the ID 30 for identifying the name of the application source and the application source.
1. Includes financial institution name, loan amount, and application acceptance institution name. Here, the financial institution name is a name for identifying the financial institution, and is a financial institution that should indicate that there is a transaction with the company that is the application source in the application to the application receiving organization. In particular, in the case of applying for a loan, the name of the financial institution is set to the name of the financial institution that actually provides the loan when the guarantee of the loan is decided by the application receiving institution. The application receiving institution name is a name that identifies, when there are multiple institutions to which an application is to be submitted. In addition, the application source application data is created by the application source system 1
It is performed by receiving an input from a keyboard or the like connected to 30. The application source system transmits the application source application data to the financial institution system 140. The destination financial institution system 140 is the financial institution system 140 installed in the financial institution to which the loan is requested. Further, here, the data to be transmitted to the financial institution system 140 is given an electronic signature by the applicant.

The financial institution system 140 includes the storage device 14.
Processing is started by the processing program stored in step 4 (step 601), the application source application data is received from the application source system 130 by the communication device 143, and the electronic signature of the received data is verified (step 602). The financial institution system 140 determines the result of signature verification (step 6).
03), if the verification is unsuccessful, a notification to the effect that the acceptance of the application is rejected is sent to the request source system 130 (step 6).
20) and the process ends (step 609). If the verification is successful, the financial institution system 140 determines that the input / output device 1
The content of the application data is displayed in 42 (step 604). The contents displayed here are the name of the application source, the amount of the ID 301 loan of the application source, and the name of the application receiving organization. Next, the financial institution system 140 receives an input of the loan determination result from, for example, the keyboard of the input / output device 142 (step 605). Here, the loan determination result is information on whether or not the financial institution permits the applicant to loan the requested amount when the guarantee is given by the application receiving institution, and the processing device Although automatic determination can be performed using 141, the input by the operator 1009 becomes important because the approval of the administrator of the financial institution is finally required. The financial institution system 140 confirms the determination result (step 6
06), if the loan is not possible, a notification to the effect that the application is rejected is transmitted to the application source system 130 (step 62).
0), the process is terminated (step 609). If the determination result is that the loan is possible, the financial institution system 140 creates financial institution application data (step 607). Here, the financial institution application data is data in which the determination result of the application is added to the application data transmitted from the application source system, and the electronic signature of the financial institution is added. The financial institution system 140 transfers the financial institution application data to the central institution system 110.
To the communication device 143 (step 608), and the process ends (step 609).

Through the above processing, when the financial institution grants a guarantee to the application for a loan from the applicant, the financial institution determines whether or not the loan can be made. This means that the application for guarantee grant to the loan under the joint name of both institutions has been sent to the central institution. In the conventional paper application method shown in FIG. 8, the paper application form filled in by the application source and the financial institution is sent to the guarantee institution which is the application receiving institution. In the embodiment of the present invention, the application data, which is electronic data, is not directly transmitted to the application receiving organization like the paper application form, but is transmitted to the central organization.

Next, referring to FIG. 7, the central institution system 110 which receives the application data, confirms the existence of the transaction relationship between the application source and the financial institution, and adds the transaction information of the application source and transmits the application to the application receiving organization. The processing will be described. Here, the application data received by the central institution system 110 is the application data transmitted by the application system 130, or
The financial institution system 140 determines whether or not the application is possible and adds the result to the financial institution application data.

Hereinafter, the central engine system 110 is assumed to operate according to the processing program stored in the storage device 117. When the central institution system 110 starts the processing (step 701), the communication device 116 receives the application data and verifies the electronic signature of the received data (step 702). The central institution system 110 judges the result of the signature verification (step 703), and if the verification fails, notifies the refusal to accept the application by issuing a notification that the application data transmission source is the application source system 130 or the financial institution. The data is transmitted to the system 140 (step 720), and the process ends (step 711). Further, here, the confirmation by the examination result DB 113 may be performed separately from the signature verification. Specifically, the ID 401 is the ID of the application source from the examination result DB 113
The examination result 400, which is 301, is acquired, and its status 402
Is valid, the result of signature verification is successful, and if it is invalid, the result of signature verification is unsuccessful. As a result, the central institution system refers to the authentication information of the company registered by the financial institution.

When the verification is successful, the central institution system 110 confirms, in the company information DB 112, whether the company of the application source has a general transaction with the financial institution specified by the application data (step 704). . General transactions are current transactions and savings accounts that companies and financial institutions generally perform.
Transactions such as time deposits, loans and discounts. In this confirmation, first, the company information DB 112 is searched by the application source ID 301 included in the application data, and the company information 300 is extracted. Further, in the extracted company information 300, it is confirmed whether or not the financial institution with the name of the financial institution designated by the application data is registered in the transaction financial institution 304, and if there is registration, the applicant and the financial institution are general. It is determined that you are conducting a transaction. The central institution system 110 thus determines that there is a transaction between a company and a financial institution (step 705),
If there is no registration, a notification that the acceptance of the application is rejected is transmitted to the application source system 130 or the financial institution system 140 (step 720), and the process ends (step 7).
11).

When the registration is made, the central institution system 110 next confirms in the bill DB whether or not the company of the applicant is conducting an electronic bill transaction with the financial institution specified in the application data (step). 706). The fact that a company and a financial institution are engaged in electronic bill transactions means that the financial institution is used as a payment place for the electronic bill issued by the company, is used as an account of the deposit destination when the electronic bill is redeemed, or the financial institution is a company. Means to discount the electronic bills owned by the company, or to allow a company to obtain funds from a financial institution by lending a bill.

Confirmation of an electronic bill transaction between this company (denoted as company A) and a financial institution (denoted as financial institution B) is a bill information DB.
Using 111, the procedure is as follows. First, the company A uses the financial institution B as a payment place for electronic bills, which means that the sender ID 203 of the company A is I in the bill information DB 111.
In D301, the bill information 200 in which the financial institution B is designated exists at the payment place 207. Company A is using financial institution B as an account of the deposit destination at the time of redemption of electronic bills.
10 is the ID 301 of the company A, and the bill information 200 in which the financial institution B is designated exists in the deposit account 213. Discount is the transfer of electronic bills from companies to financial institutions. Therefore, the fact that the financial institution B is discounting the electronic bills that the company A has is that the bill information with the endorsement 209 that the company A is designated as the endorser and the financial institution B is designated as the endorser in the bill information DB 111. There are 200. In addition, bill lending means that a company issues a bill to a financial institution and obtains money in consideration of it. Therefore, it means that the company A obtains funds from the financial institution B through the bill lending, the biller ID 203 is the ID 301 of the company A in the bill information DB 111, and the payee ID 208 is the bill information 200 specifying the financial institution B. Is to exist.

As described above, it is determined whether the company and the financial institution are engaged in the transaction of electronic bills (step 707), and if no transaction is conducted, a notification that the acceptance of the application is rejected is issued by the applicant. The data is transmitted to the system 130 or the financial institution system 140 (step 720), and the process ends (step 711).

If it is determined that a transaction is being made,
Next, the electronic bill transaction information of the application source is acquired from the company bill information DB 111, and the company information of the application source is obtained from the company information DB 112 (step 708). Acquiring the electronic bill transaction information of the applicant means that the billing information in which any of the sender ID 203, the recipient ID 208, the endorsement or endorsement of the endorsement 209, and the right holder ID 210 matches the ID 301 of the applicant from the bill information DB 111. Is to obtain 200. Acquiring the company information of the applicant is the company information D
This is to acquire the company information 300 whose ID 301 matches the ID 301 of the application source from B112.

The central institution system 110 adds the electronic bill transaction information of the applicant and the company information of the applicant to the received application data and further adds the electronic signature of the central institution to obtain the central institution application data (step 709). ). Next, the central authority system 110 sends the central authority application data to the communication device 11
6, the application is transmitted to the application receiving organization system 150 (step 710), and the process is terminated (step 710). The application receiving organization system 150 that is the destination here is the application receiving organization system 150 specified by the application receiving organization name in the application data received by the central organization system 110.

Through the above processing, the application receiving organization can obtain the transaction relationship between the application source and the financial institution, the content of the transaction, and the transaction information of the electronic bill. The electronic bill transaction information is a record of all transactions conducted through the central institution, and further includes a sending telegram message 211 and a transfer telegram message 212 to which an electronic signature at the time of the transaction of the person who performed the transaction is also added. Further, the company information 300 includes a past guarantee record 360, and in the case of a loan application, a guarantee agency which is an application receiving organization can refer to the past guarantee record.

The embodiment of the present invention has been described above.
The application that is the subject of the present invention is not limited to guaranteeing a loan, but can be widely applied to an application service in which an application intermediary agency such as an applicant and a financial institution attaches transaction information to an application receiving organization. Is. Further, in the embodiment of the present invention, the application information is transmitted from the application source system 130 installed at the application source to the financial institution system 140, and then to the central institution system 110 and further to the application receiving institution system 150. For the purpose of guaranteeing loans and other applications, the information of the application content is the original system 1
It may be transmitted directly from the central organization system 110 from 30 or may be realized by a method of accessing a server installed at an arbitrary place.

[0049]

EFFECTS OF THE INVENTION According to the present invention, the application receiving organization that receives various applications from the company adds general transaction information of the company and the financial institution recorded by the central organization to the received application data. It can be confirmed that the financial institution is in a business relationship with. In particular, it is an authentication service against the background of corporate credit research capabilities of central institutions, and credit officers who are actually in a business relationship go to the company and conduct actual examinations using data that grasps the business situation on a daily basis. It is possible to improve the credibility.

Further, it is necessary to confirm that the company and the financial institution are conducting the electronic bill transaction by wiping the electronic bill transaction information managed by the central institution in the application from the enterprise and transmitting it to the application destination. You can This electronic bill transaction information is information on transactions of companies and financial institutions, but it is accurate because it is information managed by a central institution that is not a party, and the application receiving agency is correct about the relationship between companies and financial institutions. Can be recognized. Further, the application receiving organization can receive information on general transactions between companies and financial institutions and information on transactions of electronic bills of companies with the application. By these,
The application receiving organization can, for example, examine the application for the guarantee of the loan with higher accuracy.

[Brief description of drawings]

FIG. 1 is a diagram showing an overall configuration of the present invention.

FIG. 2 is a diagram showing a structure of a bill information DB that manages transaction information of electronic bills.

FIG. 3 is a diagram showing a structure of a company information DB that manages various kinds of company information.

FIG. 4 is a diagram showing a structure of a DB that manages examination results, which are the results of examinations of companies by financial institutions.

FIG. 5 is a diagram showing a flow in which a financial institution registers company information and a flow in which a company registration is revoked.

FIG. 6 is a flow chart of a financial institution examining an application received from a company and transmitting it to a central institution.

FIG. 7 is a diagram showing a flow of confirming a transaction between a company and a financial institution that has received an application from a central institution and transmitting the application to an application receiving institution.

FIG. 8 is a diagram of a conventional method for applying a guarantee grant for a loan.

FIG. 9 is a schematic diagram of an electronic bill transaction.

FIG. 10 is a diagram illustrating an overall mechanism of a service method according to the present invention.

[Explanation of symbols]

110 ... Central organization system, 111 ... Bill information DB, 1
12 ... Company information DB, 120 ... Certificate authority system, 130
… Applicant system, 140… Financial institution system, 150
… Application acceptance system.

Claims (4)

[Claims] 1. An applicant system, a financial institution system that conducts transactions for the applicant, an application receiving institution system that guarantees the applicant, and a transaction status between the applicant and the financial institution. A method of authenticating application data using a central institution system to be managed and a network connecting them, wherein: (a) the applicant system transmits application data for requesting a guarantee by an application receiving organization via the network (B) the financial institution system adds an authentication result to the application data and sends the applied application data to the central institution system via a network; and (c) the central institution system,
Based on the transaction status, the legitimacy of the guarantee grant by the financial institution is judged, and if it is judged to be legitimate, the transaction status regarding the applicant is added to the application data, and the electronic approval by the central institution system is granted. An application data authentication service method, characterized in that the applied application data is sent to the application receiving organization system via a network. 2. The step (a), the applicant system gives electronic authentication to the application data, and the financial institution system gives electronic authentication to the application data in step (b). The application data authentication service method according to claim 1. 3. The central institution system has a database for monitoring electronic bills issued by the applicant, and in the step (c), the judgment of validity is transaction information of electronic bills recorded in the database. The authentication service method for application data according to claim 2, wherein the determination is based on 4. The method for certifying application data according to claim 3, wherein the judgment is made based on the balance of electronic bills issued by the applicant.