JP2019101767A - Identification method when setting up loan based on risk assessment - Google Patents

Abstract

To provide, in particular, after presenting a creditable limit to a customer, an identity verification method for receiving an identity verification material, for loan setting based on risk assessment using ATM installed in banks or others.SOLUTION: A personal identification method at time of loan setting based on risk evaluation performs, for application information of a customer who requested the loan setting, processing to request presentation of identity verification material to be linked to application information of the customer, and processing to receive the personal verification material provided from the customer based on the request, in which the request for the loan setting is a request based on a display which has performed: risk evaluation processing of performing the risk evaluation based on customer transaction information; risk evaluation result storage processing of storing the evaluation result obtained by this risk evaluation processing in storage means; and processing of displaying, to the customer, a creditable limit based on the risk evaluation result.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a loan setting based on risk assessment using an ATM ((Automated Teller Machine) automated teller machine) installed in a bank etc., and in particular, after presenting a loanable limit to a customer, the confirmation data of the person is It relates to the identification method to be received.

  Today, individual customers can use ATMs or access the Internet to feel free to apply for loans to banks or other financial institutions. In this case, the examination of the loan conventionally performed is, for example, the so-called customer attributes such as gender, age, annual income, work place, work place industry, etc., deposit balance, loan balance, transaction period, presence of payroll, etc. We are simply making use of the information on the deal. However, in the credit screening conducted by utilizing such traditional customer attributes and transaction information, it is not possible to finely grasp the customer's demand for loans and the risk of bad debt etc.

  In addition, an invention (Patent Document 1) is disclosed that utilizes the customer attribute and transaction information and information about the guarantor to avoid the risk of bad debt, but the traditional loan examination area is Absent. On the other hand, it is also necessary to receive confirmation data from the contractor in order to set the loan more securely.

JP, 2009-199218, A

  Therefore, the present invention evaluates the risk of the customer based on the information acquired by many years of data analysis, sets the card loan on the card in a sure and short time, and confirms that it is an application from the person. In order to receive the customer identification data. In addition, the invention is an invention which enables prompt loan setting for a specific purpose loan setting without requiring receipt of the personal identification material for the special purpose loan setting.

  According to the present invention, according to the present invention, processing for requesting presentation of identity verification data to be linked to the customer's application information with respect to application information of the customer who has made a loan setting request, and from the customer based on the request This can be achieved by providing an identity verification method characterized in that the process of receiving the provided identity verification data is performed. Further, the loan setting request includes a risk evaluation process of performing risk evaluation based on customer transaction information, a risk evaluation result storage process of storing the evaluation result obtained by the risk evaluation process in a storage unit, and the customer A process of displaying a creditable limit based on the risk evaluation result, and a request based on the display

  It is characterized in that the request processing and the reception processing of sending of the personal identification material are not performed in the case of setting a loan for a specific purpose. Further, the display processing of the creditable limit is performed after the customer completes a desired transaction using an ATM, for example.

  The process of receiving the identification data is performed using the emboss reading function of the ATM or using the scanner function of the ATM. Further, the process of receiving the personal identification material is characterized in that it is acquired by information to be uploaded based on a URL (Uniform Resource Locator) transmitted by SMS to the portable terminal of the customer.

  Further, the process of receiving the personal identification material is characterized in that it is acquired by the information transmitted from the portable terminal using a two-dimensional code for upload that is displayed on a receipt discharged from the ATM.

  Further, the process of receiving the personal identification material is characterized in that it is acquired by a facsimile transmitted from a customer. Further, the process of receiving the identification data is characterized by being acquired by a material mailed from a customer. Further, the process of receiving the identification material is characterized by acquiring the material by hand from the customer.

  According to the present invention, in setting up a card loan, a financial institution can reliably receive identification data. In addition, a card loan contract can be realized more quickly without necessarily requiring the submission of identification documents for a specific purpose loan contract.

It is a system configuration figure for explaining the person verification method of this embodiment. It is a schematic diagram of a host device built in a management center. BRIEF DESCRIPTION OF THE DRAWINGS It is the schematic of the system explaining the person-identifying method of this embodiment. It is a transition diagram of the ATM screen at the time of demonstrating the person-identifying method of this embodiment. It is a figure which shows an example of an identity verification material. It is a figure explaining that there is a special purpose loan by which presentation of the personal identification material of this embodiment is excluded.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a system diagram for explaining the person verification method of the present embodiment, and is a system diagram of loan setting when performing the person verification. In FIG. 1, reference numeral 1 denotes a management center which is an essential part of this system, and a host device of this system is disposed. The management center 1 is connected to ATMs installed at various places via a dedicated line or the Internet. For example, in the figure, ATMs connected via dedicated lines are denoted by 2a, 2b, 2c,... And ATMs connected via the Internet are denoted by 3a, 3b, 3c,.

  FIG. 2 is a schematic view of the host device 4 constructed in the management center 1. In the figure, the host device 4 comprises a CPU 4a, a ROM 4b, a RAM 4c, etc., and the CPU 4a performs processing in accordance with a system program registered in the ROM 4b, and accesses the external storage device 5 connected to the host device 4 as necessary. Do. Further, various screens to be described later are displayed on the display 4d, and the customer makes loan settings in accordance with the screen display, and also makes a request for sending personal identification material to the customer. Further, information is exchanged with the customer via the communication line.

  The system control of this example is executed according to the program stored in the ROM 4b, but as shown in the figure, a recording medium such as a CD-ROM, a Blu-ray disc, an MO, etc. is provided to the media driver 4e disposed in the host device 4. 6 may be mounted, and the program may be read from the recording medium 6 and used.

  On the other hand, although information on the evaluation result of the customer of the financial institution is also stored in the external storage device 5 connected to the host device 4, data such as a customer code and a name are stored. Further, information of the evaluation result of risk evaluation described later is also stored for each customer.

  The evaluation result of this risk evaluation is, for example, dividing the customer's dealings into multiple items and evaluating them according to variables, and in this variable, select and use the most convincing variable according to the situation of dealing with the customer. A creditable limit which can be lent is set for each customer, and stored in the database as information of the evaluation result.

  FIG. 3 is a schematic view for explaining the process of this embodiment, and FIG. 4 is a transition diagram of an ATM screen when the process of this embodiment is performed. First, the customer 8 goes to a nearby ATM (for example, the ATM 2a shown in FIG. 3) and operates the ATM 2a to make a desired transaction. For example, withdrawal processing, payment processing, balance inquiry processing and the like are performed. Thereafter, when the processing desired by the customer 8 is completed, a display for applying for a card loan is displayed on the display of the ATM 2a.

  The screen “A” shown in FIG. 4 is an example of a card loan application screen displayed on the display of the ATM 2 a. This screen display is used to confirm the presence or absence of the display of the creditable frame to be referred to when the customer 8 desires to set a loan. When the customer 8 desires to confirm the creditable limit, the display of "confirm" is touched, and when the confirmation of the creditable limit is not desired, the display of "do not confirm" is touched.

  Here, for example, if the customer 8 touches the display of "do not confirm", the card loan application procedure is canceled. On the other hand, when the customer 8 touches the display of "confirm", the screen of the ATM 2a changes to display of the contract contents of the card loan (screen "B" shown in FIG. 4).

  This screen “B” displays information such as the above-mentioned available amount, interest rate (annual rate), overdraft method, contract period and the like to the customer 8. Here, the information such as the available amount and the interest rate (annual rate) to be displayed is, for example, the above-mentioned database (external storage using cash card information inserted when the customer 8 operates the ATM 2a to perform the above processing) The device 5) is searched and presented to the customer 8 based on the risk evaluation information stored in advance in the database.

  Next, after presenting the creditable limit, it is determined whether the customer 8 applies for a card loan. Here, when the customer 8 touches the display of "do not apply", the card loan application procedure is canceled. On the other hand, touching the "Subscribe" display brings up an explanation screen for the automatic overdraft service (screen "C" shown in Fig. 4), and touching the "Confirmation" display will display the personal information usage agreement Is performed (screen "D" shown in FIG. 4).

  Next, on the display of the ATM 2a, a screen for requesting transmission of personal identification material is displayed (screen "E" shown in FIG. 4). Specifically, a request display of “You will be required to upload your identity verification data according to the SMS sent to the mobile phone.” Is displayed. Then, a mobile phone number input screen is displayed (screen "F" shown in FIG. 4), and the customer 8 operates the numeric keys displayed on the screen to input the mobile phone number of the user.

  After that, a confirmation screen for the entered mobile phone number is displayed (screen “G” shown in FIG. 4), and if the input is correct, the “confirm” display is touched, and a confirmation screen for confirming the sending method of the identity verification material (FIG. 4) Display the screen "H" shown in. In addition, confirm the confirmation screen (screen “G” shown in FIG. 4) of the above-mentioned mobile phone number, and when correcting, touch “correction” display to correct it to the correct mobile phone number, and further “confirm” display. By touching, it is possible to display a confirmation screen (screen “H” shown in FIG. 4) for confirming the method of sending the personal identification material.

  On this screen, a request display to the customer 8 is performed, "SMS with URL will be sent to the entered mobile phone number, so please proceed from the described URL." After touching the "confirmation" display, the customer 8 sends the identification document. For example, the SMS is opened according to the display transmitted from the host device 4, and the image data of the license of the customer 8 is transmitted to the host device 4 according to the attached URL. By this processing, the host device 4 can receive the identification data of the customer 8.

  In the description of the above embodiment, the SMS with URL is sent to the mobile phone to request the transmission of the identity verification material, but the identity verification material may be transmitted to the host device 4 using the ATM 2a in operation. Good. For example, the identity verification material is transmitted using the emboss reading function of the ATM 2a.

  FIG. 5 is a view for explaining an example of transmitting the personal identification material using the emboss reading function of the ATM 2a. In this case, for example, the driver's license of the user is inserted into the designated part of the ATM 2a, and the user identification information is read. The figure is an image of the emboss reading at this time. This information is transmitted to the host device 4 so that the host device 4 can receive an identity verification material via, for example, a dedicated line.

  In addition, the ATM 2a's scanner function can be used to send identity verification data to financial institutions. Also in this case, for example, the driver's license of the user can be inserted into the reading unit of the ATM 2a, the user identification information can be read, and the user identification material can be received through the dedicated line. The host device 4 compares the name and the address of the customer 8 registered in the database with each other to confirm the identity.

  Furthermore, the receipt is discharged from the ATM 2a, and the screen information such as the license is transmitted from the portable terminal using the upload two-dimensional code displayed on the receipt, and the identity verification material is submitted to the host device 4 be able to.

  On the other hand, when the customer 8 does not possess a portable terminal such as a mobile phone, a message for guiding a method of sending personal identification data is displayed on the display of the ATM 2a (screens "I" and "J" shown in FIG. ). In this case, as a method of sending personal identification data, for example, a facsimile number of a financial institution may be displayed, and a customer may be requested to send the personal identification data by facsimile.

  Also, for example, the address of a financial institution may be displayed, and a customer may be requested to mail identification data. Furthermore, you may be asked to submit personal identification data directly to the financial institution's window by hand.

  As described above, according to the present invention, in setting up a card loan, a financial institution can reliably receive personal identification data, and can reliably acquire information on a customer 8 who desires a card loan contract.

  In the description of the above embodiment, after the customer 8 confirms the display of the creditable range etc., the display screen of the card loan service (screen C shown in FIG. 4) on the display of the ATM 2a and the personal information use consent form etc. After the display (screen D shown in FIG. 4) is made, a request for sending identity verification data is made, but when using a specific loan service, the loan contract is immediately made without requesting the submission of identity verification data. It can be migrated.

  In this case, for example, after the mobile phone number of the person in question is input (after attribute input), the ATM 2 a displays a screen for selecting the use of funds. FIG. 6 is a diagram showing an example of this selection screen, and a plurality of examples of usage of funds are displayed together with the display of “Please select the usage of funds”. The customer 8 selects the required loan objective and touches the corresponding display to notify the host device 4.

  Therefore, in the case of a loan contract in which the host device 4 can know the loan purpose of the customer 8 and it is considered that the submission of the identification document is unnecessary, the loan contract is immediately made without requesting the submission of the identification document. It can be done. That is, a card loan loan contract can be realized more quickly without necessarily requiring the submission of identification data for a special purpose loan contract.

1 · · · Management center 2a, 2b, 2c · · · · ATM
3a, 3b, 3c, ... ATM
4 · · · Host device 4a · · CPU
4b · · ROM
4c · · RAM
4d · · Display 4e · Media driver 5 · · · External storage device 6 · · · Recording medium 8 · · · customer

Claims (11)

Processing for requesting presentation of identity verification data to be linked to application information of a customer who has made a request for setting up a loan;
Receiving personal identification data provided by the customer based on the request;
The identity verification method at the time of loan setting based on risk assessment characterized by performing. The request for the loan setting is
Risk evaluation processing for performing risk evaluation based on the customer's transaction information;
Risk evaluation result storage processing for storing the evaluation result obtained by the risk evaluation processing in storage means;
A process of displaying a creditable limit based on the risk evaluation result on the customer;
The method according to claim 1, wherein the request is a request based on the display.   The method according to claim 2, wherein the display processing of the creditable frame is performed after the end of the transaction desired by the customer at the ATM.   The process for requesting a request for the identity verification material is not performed in the case of setting a loan for a specific purpose, and the identity verification at the time of setting the loan based on the risk evaluation according to claim 1, 2 or 3. Method.   The method according to any one of claims 1 to 3, wherein the process of receiving the identification data is performed using an emboss reading function of an ATM.   The method according to claim 1, 2 or 3, wherein the process of receiving the identification document is performed using a scanner function of ATM.   The risk evaluation according to claim 1, 2 or 3, wherein the process of receiving the identification document is acquired by image information uploaded based on the URL transmitted by SMS to the mobile terminal of the customer. Identification method when setting up a loan based on.   The process of receiving the personal identification data is obtained by image information transmitted from a portable terminal using a two-dimensional code for upload displayed on a receipt discharged from an ATM. The person identification method at the time of loan setting based on the risk evaluation described in 2 or 3.   The method according to any one of claims 1 to 3, wherein the process of receiving the identification data is acquired by a facsimile transmitted from a customer.   The method for identifying an individual at the time of setting a loan based on the risk evaluation according to claim 1, 2 or 3, wherein the processing for receiving the identification data is obtained by using a material mailed from a customer.   The method according to any one of claims 1 to 3, wherein the process of receiving the personal identification material is acquired according to a material handed over from a customer.

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