JP2000259708A - Device, method and system for processing individual article allotment information, and recording medium recording software for processing the information - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently and easily process information on the allotment of an individual product through an open network such as the Internet. SOLUTION: A simulation part 5 executes the simulation payment by installments in the allotment of the individual article. An application receiving part 41 receives the application of the allotment of the individual article from a customer's personal computer 3 connected through the Internet. A judging result information part 63 gives information on a judging result obtained from an automatic judging part 61 and a judging result registering part 62 to an information destination such as an electric mail address previously designated concerning application by automatic transmission of a routine electronic mail or facsimile. A consent receiving part 64 receives consent by authenticated access concerning an application approved by judgment. A contract preparing part 7 prepares a contract by automatically printing necessary items to a paper based on application information concerning the application approved by the part 64.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an improvement in technology for supporting information processing on individual product installment by using a computer. More specifically, the present invention relates to information on individual product installment, which is stored in an open network such as the Internet. The processing is performed efficiently and easily via the Internet.

[0002]

2. Description of the Related Art Conventionally, a credit sales company processes information on installment of individual products in addition to information on services such as credit cards. Here, the individual product installment means that the credit sales company pays the purchase price of each specific product purchased by the customer from the member store of the credit company to the member store, and then receives the advance payment from the customer in installments. It is a service, and so-called auto loans for automobiles are widely known.

[0003] Conventionally, in such individual product installment contracts, application forms and contracts prepared at member stores have been sent from the member stores to credit companies by mail or fax. In addition, the customer's acceptance of the contents of the contract, and notification of whether or not the contract was accepted based on the results of the examination, etc., were made by telephone or fax from the credit company to the customer or member store.

[0004]

However, the prior art as described above has the following problems. (A) First, an application form was created by handwriting at a member store, which was troublesome. In particular, since the application form for the individual installment and the contract are separate documents, handling and preparation of the documents are complicated.

(B) In addition, in order to record and examine information sent from a member store at the time of application, a credit sales company
Work such as typing and registering information on customers and credit information on products is required, and this is also troublesome.

(C) In addition, the only means for the customer to confirm the contents of the application is the customer's copy of the application form. Such a copy is troublesome to save and may be lost. It was big. In addition, the only way for a customer to confirm the contents of information registered in a credit company is to ask the credit company by telephone, etc. Such an inquiry is troublesome and troublesome for both the customer and the credit company. Was.

(D) Also, the means for the member store to confirm the contents of the application is limited to the member store of the application form, and the management is troublesome and burdens the member store. Also, the only way for the merchant to check the contents of the information registered in the credit company is to contact the credit company by telephone etc. Such troublesome work was burdened on both the merchant and the credit company .

(E) Further, when correcting attribute information such as a customer's address by moving or the like, the customer must notify the member store or credit company of the details of the correction such as a new address. Was also troublesome and troublesome. Furthermore, for example, when a guarantor is required or when the contents of the contract are modified, the contract must be re-created, which is troublesome for both the customer and the member store or credit company.

(F) In addition, since the member store handles information that is not directly related to the sales contract, such as the customer's annual income and years of service,
Enhancement of customer privacy protection was potentially required.

[0010] The present invention has been proposed to solve the above-mentioned problems of the prior art. The purpose of the present invention is to provide information on individual product installment efficiently and easily via an open network such as the Internet. And a method for processing an individual product installment information processing system, an individual product installment information processing system, and a recording medium that records software for individual product installment information processing. It is another object of the present invention to effectively protect customer privacy. It is another object of the present invention to make it possible to use individual installments systematically and easily.

[0011]

In order to achieve the above-mentioned object, an invention according to claim 1 is an individual-unit installment information processing apparatus for processing information relating to individual-unit installment, wherein the information is connected via an open network. An application receiving means for receiving the application for the individual product installment from the first computer to be installed. The invention according to claim 18 is an invention in which the invention according to claim 1 is viewed from the viewpoint of a method. In the individual article installment information processing method for processing information relating to individual article installment, a method for connecting via an open network is described. An application receiving step for receiving an application for the individual product installment from one computer is provided.
According to the inventions of claims 1 and 18, the customer directly applies the application for the individual product installment from the first computer such as a personal computer dial-up-connected to the Internet to the individual product installment information processing device such as an internet server of a credit company. And can be easily performed. That is,
Since the customer directly sends the necessary information to the credit company without applying through the franchisees and makes an application, the burden of agency work at the franchisee and typing at the credit company is reduced, and processing is simplified and quick. And customer privacy is effectively protected. In addition, the direct here means not through the member store, and does not mean the case where the customer directly dials up to the facilities of the credit company without going through the open network such as the Internet. Absent.

According to a second aspect of the present invention, in the individual installment information processing apparatus according to the first aspect, a part of the application information relating to the application is opened on a second computer for processing information relating to the product associated with the application. A means for notifying via a network is provided. A nineteenth aspect of the present invention is directed to the second aspect of the present invention, wherein the second aspect of the present invention is a method of processing information relating to a product pertaining to the application in the individual installment information processing method according to the eighteenth aspect. The method includes a step of notifying a computer of part of application information on the application via an open network. The invention according to claim 32 is the invention according to claims 2 and 19, which is viewed from the viewpoint of a recording medium on which computer software is recorded. Individual article installment information for processing information relating to individual article installment using a computer. In a recording medium on which processing software is recorded, the software is connected to the computer via a first network connected via an open network.
From the computer, accepting the application for the individual product installment, and letting the second computer for processing the information on the product related to the application notify a part of the application information on the application via the open network. Features. In the inventions of claims 2, 19, and 32, a part of the application information relating to the application is notified from a personal computer installment information processing device such as a credit company to a second computer such as a member store. Therefore, while the member store can easily prepare and purchase products, the privacy of the customer irrelevant to the member store, such as the customer's annual income, can be effectively protected. In addition, the product here is not only a movable property in a narrow sense,
It broadly refers to intangibles such as services and real estate that can be subject to credit installment or loan, such as real estate.

According to a third aspect of the present invention, in the individual article installment information processing apparatus according to the first or second aspect, the open network is the Internet. According to a twentieth aspect of the present invention, the invention of the third aspect is viewed from the viewpoint of a method. In the individual article installment information processing method according to the eighteenth or nineteenth aspect, the open network is the Internet. . Claims 3, 20
In the invention of the present invention, since the Internet is used as an open network, a general computer such as a personal computer equipped with a web browser can easily apply for an individual product installment application anytime, anywhere, 24 hours a day. Become.

According to a fourth aspect of the present invention, there is provided the individual component installment information processing apparatus according to any one of the first to third aspects, further comprising a simulation unit for performing a simulation of installment payment in the individual component installment. Features.
A twenty-first aspect of the present invention is directed to a method according to the fourth aspect of the present invention, in which the fourth aspect of the present invention is regarded as a method.
The method for processing an individual product installment according to any one of the preceding claims, further comprising the step of performing a simulation of installment payment in the individual product installment. The invention of claim 33 is
The invention according to claims 4 and 21 is viewed from the viewpoint of a recording medium recording software of a computer. In the recording medium recording the software for processing the installment of individual articles according to claim 32, the software is stored in the computer. A simulation of installment payment in the individual product installment is performed. Claims 4, 21,
According to the invention of the thirty-third, a customer who intends to apply for an individual product installment via an open network can perform a simulation of installment payment before the application. For this reason, convenience for confirming the degree of burden in advance is improved, decision making is facilitated, and systematic use of the individual product installment is promoted.

According to a fifth aspect of the present invention, in the individual installment installment information processing apparatus according to any one of the first to fourth aspects, application ID information for identifying the application is opened to the first computer. Means for notifying via the network, and an application I for access via the open network authenticated using the application ID information.
Means for accepting reference to predetermined information including at least the application review status for the application corresponding to the D information. According to a twenty-second aspect of the present invention, the invention of the fifth aspect is viewed from the viewpoint of a method, and in the method for processing an individual article installment according to any one of the eighteenth to twenty-first aspects, a method for identifying the application is provided. A step of notifying the first computer of the application ID information via the open network, and a step of notifying the first computer of the access via the open network authenticated using the application ID information. A step of receiving at least a reference to predetermined information including a review status of the application with respect to the application. According to a thirty-fourth aspect of the present invention, the inventions of the fifth and twenty-second aspects are regarded as a recording medium on which computer software is recorded.
34. In a recording medium recording the software for processing individual installment information according to 2 or 33, the software sends application ID information for identifying the application to the first computer to the computer via an open network. Notifying, for an access via the open network authenticated using the application ID information, receiving, for an application corresponding to the application ID information, a reference to at least predetermined information including an application review status. It is characterized by. According to the inventions of claims 5, 22, and 34, the applicant can access the information such as the examination status of the application via the open network without being bothered by the condition of calling a member store or the like within a predetermined business hours.
It is easy to check directly on the homepage anytime, anywhere, and the burden on member stores and credit companies is reduced. The specific format of the application ID information is
A combination of the application number and the authentication ID, or a combination of both to form a single number or ID can be freely determined. Also, a member ID such as a member number that identifies the applicant
The information can be used instead of the application ID information.

According to a sixth aspect of the present invention, in the individual article installment information processing apparatus according to any one of the first to fifth aspects, application ID information for identifying the application is notified to the first computer. Means for accessing via the open network authenticated using the application ID information, at least adding, modifying, or canceling the application information relating to the application corresponding to the application ID information. And a first operation receiving means for receiving an operation including at least one of the operations. The invention of claim 23 is a view of the invention of claim 6 from the viewpoint of a method.
2. In the individual article installment information processing method according to any one of the items 2, the application ID information for identifying the application is stored in the first item.
For notifying the computer of the above, and for the access via the open network authenticated using the application ID information, for the application corresponding to the application ID information, at least addition, modification or Receiving an operation including at least one of application cancellations. The invention according to claim 35 is the invention according to claims 6 and 23.
The invention according to claim 32 is regarded as a recording medium on which computer software is recorded.
4. A recording medium on which the software for information processing of installment of individual goods according to any one of the items 4 is recorded, wherein the software sends to the computer an application I for identifying the application.
D information to the first computer, and for access via the open network authenticated using the application ID information, at least addition of application information relating to the application corresponding to the application ID information, An operation including at least one of correction and cancellation of an application is received. In the invention of claims 6, 23, and 35, the applicant joins within a predetermined business hours for addition of application information such as supplement of a guarantor, correction of information due to an input error or address change, or cancellation of the application. Without being bothered by the conditions of calling a store or the like, it is possible to perform the operation directly on a homepage or the like via the open network anytime and anywhere from 24 hours a day, thereby reducing the burden on member stores and credit companies.

According to a seventh aspect of the present invention, in the individual article installment information processing apparatus according to any one of the first to sixth aspects, member ID information for identifying an applicant is provided to the application in response to the application. A means for notifying one computer,
The application receiving unit may omit a part of the existing application information for the applicant corresponding to the member ID information and accept a new application for the access authenticated using the member ID information. It is characterized by comprising. According to a twenty-fourth aspect of the present invention, the invention of the seventh aspect is viewed from the viewpoint of a method, and in the individual article installment information processing method according to any one of the eighteenth to twenty-third aspects, the application A step of notifying the first computer of member ID information for identifying a user, wherein the application receiving step includes, for an access authenticated using the member ID information, the member ID information A feature is that a new application is accepted by omitting some of the existing application information for the corresponding applicant. In the invention according to claims 7 and 24, for example, when a customer desires,
Issuing member ID information such as member numbers and passwords to customers and having them enter them the next time they apply for installment of individual products eliminates the need to enter existing information such as address, name, and date of birth Because it is possible, it becomes easy to apply for the individual product installment.

According to an eighth aspect of the present invention, in the individual article installment information processing apparatus according to any one of the second to seventh aspects, the second computer receives the second computer from the second computer in response to an access from the second computer.
A second operation receiving means for receiving a predetermined operation including at least a reference to the examination status for the application relating to the computer. According to a twenty-fifth aspect of the present invention, the invention of the eighth aspect is viewed from the viewpoint of a method. The method is characterized in that the method includes a step of receiving a predetermined operation including at least a reference to the examination status for the application relating to the second computer in response to the access. According to a thirty-sixth aspect of the present invention, the inventions of the eighth and twenty-fifth aspects are viewed from the viewpoint of a recording medium on which computer software is recorded. In the recording medium on which the software for use is recorded, the software is a predetermined method including at least a reference to the examination status of the application relating to the second computer in response to access from the second computer. An operation is accepted. According to the inventions of claims 8, 25, and 36, a member store or the like that handles the applied product can refer to the application review status without calling the credit company within the determined business hours. Since it can be performed at any time, preparations such as purchasing goods are facilitated.

According to a ninth aspect of the present invention, in the individual installment information processing apparatus according to any one of the second to eighth aspects, at least one of the first computer and the second computer is encrypted. And means for performing communication. The invention of claim 26 is the invention of claim 9
The invention of claim 1 is viewed from the viewpoint of a method.
26. The individual article installment information processing method according to any one of 9 to 25, further comprising a step of performing encrypted communication with at least one of the first computer and the second computer. And Claim 9,
In the invention of the twenty-sixth aspect, communication with a customer or a member store's computer is encrypted by SSL or the like, so that in a procedure relating to installment of individual goods such as an application, the privacy of the customer is protected from a third party, while information theft, Fraud such as tampering and impersonation is effectively prevented.

According to a tenth aspect of the present invention, in the individual article installment information processing apparatus according to any one of the first to ninth aspects, there is provided an examination means for examining the application based on a predetermined criterion. It is characterized by having. According to the tenth aspect, all or a part of the examination can be automated by scoring attributes such as the length of service of the customer and the presence / absence of accident information in accordance with the credit standard, thereby reducing the burden of the examination. You.

[0021] According to an eleventh aspect of the present invention, in the individual component installment information processing apparatus according to any one of the first to tenth aspects,
A means for registering the examination result for the application and a means for notifying the examination result to a contact designated in advance for the application are provided. Claim 2
According to a seventh aspect of the present invention, the invention of the eleventh aspect is viewed from the viewpoint of a method. In the information processing method for individual installment according to any one of the eighteenth to twenty-sixth aspects, the invention is for registering the examination result for the application. And a step of notifying the pre-designated contact about the application of the examination result. According to the eleventh and twenty-seventh aspects of the present invention, the burden of paperwork for notifying the examination result can be reduced by automatically transmitting an e-mail to the address entered at the time of application.

[0022] According to a twelfth aspect of the present invention, in the individual article installment information processing apparatus according to any one of the first to eleventh aspects,
A means for accepting access approval from an authenticated applicant for the application approved by the examination is provided. According to a twenty-eighth aspect of the present invention, the invention of the twelfth aspect is viewed from the viewpoint of a method, and in the individual article installment information processing method according to any one of the eighteenth to twenty-seventh aspects, in the individual article installment information processing method, With respect to the application, the method includes a step of receiving a consent of access from an authenticated applicant. In the invention of claims 12 and 28, the applicant does not have to be bothered by the conditions such as communicating with the member store or the like within a predetermined business hour by telephone or the like in finally accepting the contents of the approved application. . In other words, the applicant can easily make the above-mentioned consent any time, anytime, anywhere via the open network, for example, on a web page provided as a server by the individual-item installment information processing device, and can easily obtain the member store or the like. The burden on credit companies is also reduced. It should be noted that “consent” broadly means an operation of accepting that the application has been approved based on the content of the application and the examination, regardless of the name. In addition, in order to have the applicant approve such a consent on the web page, for example, the e-mail of the examination result notification may be used to guide the address of the dedicated screen.

According to a thirteenth aspect of the present invention, there is provided the individual installment information processing apparatus according to the twelfth aspect, further comprising means for creating a contract based on application information on the accepted application. . According to a twenty-ninth aspect of the present invention, the invention of the thirteenth aspect is viewed from the viewpoint of a method, and in the individual item installment information processing method according to the twenty-eighth aspect, a contract is created based on application information on the accepted application. The method includes the step of: Claim 1
According to the inventions of the third and 29th aspects, the contract is automatically created by automatically printing necessary items on paper based on the application information input by the customer. As a result, the burden on the customer and the franchise for processing the contract is reduced, and the privacy of the customer is protected.

According to a fourteenth aspect of the present invention, there is provided an individual item installment information processing system for processing information relating to an individual item installment, and provided in the individual item installment information processing device.
Application receiving means for receiving an application for the individual product installment from a first computer connected via an open network; and a product connected to the individual product installment information processing device via the open network, and And a second computer for processing information related to the individual installment information processing system, wherein the second computer is configured to receive designation of a product from the first computer via an open network. Means, and means for sending information about the designated product to the individual-item installment information processing device via the open network. Claim 3
The information processing method for the individual installment of item 0 is a method in which the invention of claim 14 is viewed from the viewpoint of a method. The information processing device for the individual item installment for processing information relating to the individual item installment is connected via an open network. An application receiving step for receiving the application for the individual product installment from the first computer to be performed, and a second computer connected to the individual product installment information processing device via the open network, the product related to the application And a step for processing information relating to the individual installment.
A step of receiving designation of a product from the first computer via an open network; and information about the designated product.
Sending from the second computer to the individual product installment information processing device via the open network. According to a thirty-seventh aspect of the present invention, the inventions of the fourteenth and thirtyth aspects are viewed from the viewpoint of a recording medium on which computer software is recorded. First software for realizing a processing device, and second software for causing a second computer connected to the individual product installment information processing device by an open network to process information relating to the product related to the individual product installment application. In the recording medium on which the software for individual product installment information processing including
The first software causes the computer to receive an application for the individual product installment from a first computer connected via an open network,
Software is installed on the second computer by the first computer.
Receiving the specification of the product from the computer via the open network, and transmitting the information on the specified product from the second computer to the individual component installment information processing device via the open network. A recording medium on which is installed individual installation information processing software. According to the inventions of claims 14, 30, and 37, if the customer accesses the second computer such as a member store from the first computer and specifies the product on its web page or the like, the information on the product is transmitted to a credit company or the like. It is transferred to the individual product installment information processing device. For this reason, the customer can easily perform the installment simulation and the individual product installment application on the premise of the designated product by directly accessing the individual product installment information processing apparatus as it is.

According to a fifteenth aspect of the present invention, in the individual article installment information processing system according to the fourteenth aspect, the second computer is required for receiving the application among items of information received from the first computer. Means for transferring the information of the same item as the information to be used to the individual installment information processing apparatus. According to the invention of claim 15, when items that can also be used for receiving an individual product installment application, such as a customer's address and name, have already been input in the second computer such as a member store, the information of those items is transferred, so that the credit The information items that are required to be input by the customer at the time of the individual product installment application in the individual product installment information processing device can be reduced, and the application can be facilitated.

The invention of claim 16 is the invention of claim 14 or 15
In the individual item installment information processing system described above, the individual item installment information processing device includes a simulation unit for performing a simulation of installment payment in the individual item installment, and the simulation unit is designated in advance for each of the second computers. The simulation is performed on the basis of the set payment terms or the payment terms specified by the second computer.
A thirty-first aspect of the present invention is directed to the individual-item installment information processing method according to claim 30, wherein the individual-item installment information processing apparatus includes: And a step of simulating the installment payment in the individual product installment based on a payment condition specified in advance or a payment condition specified by the second computer. In the invention of claims 16 and 31, the second computer is identified, for example, the payment condition specified in advance by the corresponding member store or the like is assumed, or the second computer is used each time according to the price of the product. Simulation based on the payment conditions specified by the computer becomes possible. That is,
Since simulations corresponding to different payment conditions for each member store and each amount can be performed, the usefulness of the simulation is improved.

The invention according to claim 17 is the invention according to claims 14 to 16
In the individual component installment information processing system according to any one of the above, the individual component installment information processing apparatus includes identification information for identifying the second computer, and is specified in advance for each of the second computers. It is characterized by comprising means for registering, correcting, referencing and deleting member store information including payment terms. In the invention according to claim 17, identification information for identifying the second computer for each member store,
You can register franchise information such as the payment terms specified by the franchise and the sales office of the credit company that is in charge of the franchise, and perform operations such as reference, correction, and deletion, so that accurate processing is performed based on the latest franchise information Becomes easier.

[0028]

Embodiments of the present invention (hereinafter referred to as "embodiments") will be described below with reference to the drawings. Here, it is generally considered that the present invention is realized by controlling a computer having a peripheral device by software. In this case, the software is created by combining instructions according to the description of this specification, and the technology described in the related art is used for the common parts with the related art. Further, the software includes not only program codes but also data prepared in advance for use in executing the program codes.

The software uses physical resources such as the CPU of the computer and its peripheral circuits, input devices such as a keyboard and a mouse, storage devices such as a memory and a hard disk device, output devices such as a display and a printer, and network connection devices. The function and effect of the present invention and the present embodiment are realized by utilizing the present invention.

However, the specific software and hardware configuration for realizing the present invention can be variously changed. For example, various forms of software such as a compiler and an interpreter can be considered, and a recording medium such as a CD-ROM in which software for realizing the present invention is recorded is also one embodiment of the present invention. Further, a part of the functions of the present invention can be realized by a physical electronic circuit such as an LSI.

As described above, there are various modes for realizing the present invention using a computer. In the following, the present invention will be described using virtual circuit blocks for realizing individual functions included in the present invention and the embodiments. The invention and embodiments will be described.

[1. Configuration] [1-1. FIG. 1 is a functional block diagram showing the configuration of the present embodiment. That is, the present embodiment is an individual item installment information processing system for processing information relating to individual item installments and information relating to products relating to individual item installments. 2 is connected to the Internet N which is a kind of open network.

Among these, the individual item installment information processing device 1 is a computer provided at a credit sales company for processing information relating to individual item installment, and is a personal computer of a customer connected via the Internet N. The first
The equivalent of a computer. "Customer PC" below
) Is configured to receive an application for individual product installment.

The member store system 2 is used by a member company of a credit sales company that uses the individual item installment information processing apparatus 1 to process information on products, including those that can be applied for the individual item installment. Of the second computer. The term “product” as used herein means not only products in a narrow sense such as liquid movables but also products that can be subject to individual installment payment, ie, credits and loans, such as intangibles such as services and real estate.

Further, the individual article installment information processing apparatus 1 and the member store system 2 have a configuration as an Internet server, and transmit / receive HTTP or e-mail to / from other computers connected to the Internet N constantly or temporarily. It is configured to provide information on products and services using protocols and the like, and to exchange information with other computers.

In particular, the individual article installment information processing apparatus 1 and the member store system 2 are configured to receive various procedures and operations by displaying a web page on another computer such as the customer personal computer 3. .

When referring to a web page, an HTM
L and individual pages displayed by the function of a web browser. A group of web pages associated with each other is called a website. A web page representing a website is called a home page.

The customer's personal computer 3 is a general personal computer equipped with a web browser, e-mail software, etc., and may be always connected.
Generally, TCP / IP connection is automatically and temporarily made to the Internet N, the individual installment information processing device 1, the member store system 2, and the like by a dial-up via an Internet connection provider only when required by the customer. It is considered a target. Hereinafter, specific configurations of the individual article installment information processing apparatus 1 and the member store system 2 will be described.

[1-2. Configuration for Simulation and Application Receiving] First, the individual product installment information processing apparatus 1 performs a simulation of the individual product installment and application reception with the customer PC 3 via the Internet N. It has a unit 5, an application master file F1, and a customer master file F2.
The application processing unit 4 is a part that performs processing related to receiving an application for individual product installment, and includes an application reception unit 41 and an application ID.
An information notification unit 42, a member ID information notification unit 43, and an application notification unit 44 are provided.

The application receiving unit 41 is an application receiving means for receiving an application for individual product installment from the customer personal computer 3 connected via the Internet N. Information such as customer attributes provided by is referred to as application information. After the application, the application information is referred to as application information including other information related to the application, such as the application review status.

The application information includes information on attributes such as the number of years of service of the customer (referred to as attribute information) and information on application contents such as the installment amount and the number of installments (referred to as content information). And the application master file F1
Is a file for storing the content information, and the customer master file F2 is a file for storing the attribute information.

The application ID information notification section 42 is means for notifying the customer personal computer 3 of application ID information for identifying the application via the Internet N at the time of receiving the application for the individual product installment.

The member ID information notifying section 43 is a means for notifying the customer personal computer 3 of the member ID information for identifying the applicant, that is, the customer, when the customer requests the individual product installment. In addition, the application receiving unit 11 omits a part of the application information already existing for the customer corresponding to the member ID information for the access authenticated using the member ID information notified as described above. It is configured to accept new applications.

The application notifying section 13 is a means for notifying a part of the application information relating to the application to the member store system 2 via the Internet N.

The simulation section 5 is a simulation means for simulating the installment payment in the individual product installment.

[1-3. Configuration Regarding Examination and Contract Creation] In addition, the individual article installment information processing device 1 includes a screening support unit 6 for supporting procedures related to application examination and contract creation.
, A completion master file F3, a contract creation unit 7, and a communication unit 8. The examination support section 6 is a section for supporting examination of an application for individual product installment and procedures related thereto, and includes an automatic examination section 61, an examination result registration section 62, an examination result notification section 63, And a receiving unit 64.

The automatic screening section 61 is a screening means for screening the application for individual product installment based on a predetermined standard. Specifically, the automatic screening section 61 includes information such as the length of service of the customer and the presence or absence of accident information. This is a part for automating all or part of the examination by scoring the attributes according to the credit standard.

The examination result registration unit 62 is a means for registering the examination result manually for the application.
The examination result notification unit 63 notifies the examination result obtained from the automatic examination unit 61 and the examination result registration unit 62 to a contact address such as an e-mail address designated in advance for the application by a standard e-mail or automatic transmission of a fax. It is a means for doing. The communication unit 8 is a unit that performs communication by such electronic mail or facsimile.

In addition, the consent receiving unit 64 provides application ID information or member ID for the application approved by the examination.
This is a means for accepting consent by access authenticated using information. In addition, the completion master file F3
Is a file that stores information on applications that have been reviewed and accepted as described above.

The contract creation unit 7 includes a consent reception unit 64
Based on the application information for the application accepted by,
This is a means for creating a contract by automatically printing necessary items on paper.

[1-4. Configuration Regarding Reference and Operation] In addition, the individual article installment information processing apparatus 1 receives an operation such as reference or cancellation of an application examination status from the customer's personal computer 3 or the member store system 2 via the Internet N. A section 9, a customer operation receiving section 10, and a member store operation receiving section 11 are provided.

[0052] Of these, the customer reference receiving unit 9 responds to an access via the Internet N authenticated using the application ID information or the member ID information, for an application corresponding to the application ID information or the member ID information. This is a means for receiving reference to information including the application review status. In addition, the chip number of the CPU, C
If identification based on an cookie, an IP address, or the like is used together, security is improved.

In addition, the customer operation receiving unit 10 executes the application I
For access via the Internet N authenticated using the D information or the member ID information, at least for the application corresponding to the application ID information or the member ID information, add, modify, and cancel the application information relating to the application. This is a first operation receiving means for receiving.

In addition, in response to access from the member store system 2, the member store operation receiving unit 11 receives a request for receiving an operation such as referring to the examination status for an application for an individual product installment related to the member store system 2. The second operation receiving means.

[1-5. Configuration of the member store system]
In the present embodiment, the customer designates a product to be purchased on the web page of the member store system 2 and jumps to the website of the individual installment information processing device 1 of the credit company as it is with a hypertext link or the like, and joins the member. In accordance with the payment conditions specified by the store, it is possible to directly apply for an installment simulation of the product or an individual product installment.

That is, the member store system 2 includes a product designation receiving unit 21, a product information transmitting unit 22, and an information transferring unit 23.
The product designation receiving unit 21 is a means for receiving designation of a product from the customer's personal computer 3 via the Internet N.

Further, the product information transmitting section 22 transmits information on the specified product (called product information or sales information).
This is a means for sending to the individual article installment information processing apparatus 1 via the Internet N. Further, the information transfer unit 23, among the items of information received from the customer PC 3, at least information of the same items as the information required for receiving the application for the individual product installment in the individual product installment information processing device 1 This is a means for transferring to the installment information processing apparatus 1.

[1-6. Configuration for Processing Information Related to Member Stores] In addition, the individual item installment information processing device 1 is configured as follows in order to perform information processing according to information for each member store, payment conditions, and the like. First, the individual product installment information processing apparatus 1 stores a member store information processing unit 12 and a member store master file F4 in order to store and update information (referred to as member store information) such as payment conditions for each member store. , A sales office master file F5.

The member store information processing section 12 is a means for registering, correcting, referring to and deleting member store information. The member store information for each member store identifies the member store system 2 of the member store. The merchant ID is identification information for performing the payment, a payment condition specified in advance for each member store system 2, information indicating which branch of the credit sales company is in charge of the member store, and the like.

In particular, information such as contact information regarding the business office in charge of each member store is referred to as business office information, and the business office master file F5 is a file for storing such business office information. The member store master file F4 is a file for storing member store information excluding business store information.

Then, the simulation unit 5 of the individual article installment information processing apparatus 1 refers to the payment condition specified in advance for each member store system 2 from the member store master file F4 or is specified from the member store system 2. The simulation is performed by following the payment conditions.

[1-7. Configuration Regarding Encrypted Communication] Also, the individual product installment information processing apparatus 1 includes a customer personal computer 3 and a member store system 2 and an encrypted transmission / reception unit 14 which is means for performing communication encrypted by SSL or the like. I have.
Similarly, the member store system 2 also includes the individual product installment information processing device 1
And an encryption transmitting / receiving unit 24 for performing encrypted communication with the customer's personal computer 3. In addition, customer PC 3
Also, it is assumed that encrypted transmission and reception are similarly performed by software such as a web browser.

[1-8. Configuration Example of Master File] Here, FIG. 2A is a conceptual diagram showing an example of the contents of a member store master file F4 (referred to as a member store master). The member store master includes, for each member store, terms and conditions for individual product installment or loan, that is, payment terms, and payment terms for cards, that is, credit cards.

FIG. 2B is a conceptual diagram showing an example of the contents (called an application master) of the application master file F1. This application master contains the specific contents of the application information related to the application for individual product installment, such as personal information such as the date of birth and address of the individual, information of the witness and guarantor such as the student's parents and joint guarantor of the corporation, individual It contains product information, credit information, etc. regarding products to be installed and payment conditions.

[2. Operation] The present embodiment configured as described above operates as follows. First, FIG. 3 shows an example of a processing procedure relating to the customer personal computer 3 used by the customer, the member store system 2 used by the member store, and the individual item installment information processing device 1 used by the credit company in the present embodiment. It is a flowchart.

[2-1. Processing of Member Store Information] In order to operate the individual item installment information processing system of the present embodiment, first, a credit company using the individual item installment information processing apparatus 1 requires a dealer or the like that can handle the individual item installment. Member store information regarding the member store is registered by the member store information processing unit 12, and thereafter, as necessary, processing such as addition, reference, correction, and deletion is performed (step 101).

Here, the member store information includes identification information such as a merchant ID for identifying the member store or the member store system 2, payment conditions specified for each member store system 2, and the member store. Is included in the branch store master file F5, and the other branch store information is stored in the branch store master file F4. .

FIG. 4 shows an example of a screen configuration in a case where a credit sales company or its sales office processes affiliated store information using the affiliated store information processing unit 12 from the Internet N or an in-house terminal. It is a conceptual diagram. That is, when the operator selects the type of processing, that is, new registration, reference, correction, deletion, etc., on the member store information menu screen G11 (FIG. 5), a screen group corresponding to the selection is displayed.

For example, when new registration of member store information is selected, basic information such as the name, address, and member number of the member store is registered on the member store basic information registration screen G12 (FIG. 6), and the member store conditions are registered. On the registration screens G13 (FIG. 7) and G132 (FIG. 8), payment conditions for installment payments and the like that can be used at the member store are registered, and on the sales office information registration screen G14 (FIG. 9), a credit company in charge of the member store is registered. Will be registered.

The member store condition registration screen G13 (FIG. 7)
In this case, it is desirable that the handling contract number corresponds to each payment condition pattern, so that the handling contract number can be increased, and that it can also handle irregular payments.

[2-2. Product designation and product information transfer)
Then, the customer can use the simulation unit 5 of the individual item installment information processing device 1 to perform the installment simulation in the individual item installment as many times as necessary (steps 302 and 102). Here, the customer directly sends the individual product installment information processing device 1 via the Internet N.
It is also possible to simulate an application for installment of individual products or installment payment by specifying a product or a member store.

The customer designates such a product on the website of the member store system 2 (step 3).
01, 201), the information is transferred from the affiliated store system 2 to the individual article installment information processing apparatus 1, and the link jumps to the website of the individual article installment information processing apparatus 1 to simulate the installment payment (steps 302, 102). It is also possible to make an application for installment of individual products (steps 303 and 103).

In this case, the product specification receiving section 21 of the member store system 2 receives the product specification from the customer's personal computer 3 via the Internet N (step 201). Further, the product information transmitting unit 22 of the member store system 2 sends information on the specified product to the individual product installment information processing device 1 via the Internet N (Step 201).

For example, suppose a case where a customer finds a desired product on the website of the member store system 2 and desires to simulate individual product installment, ie, installment payment using a loan. In this case, the customer specifies the product on the web page by the function of the product specification receiving unit 21 according to the instruction on the web page of the member store system 2, and then presses the simulation button displayed on the web page. Suppose you click with the mouse.

Then, the merchandise information transmitting section 22 of the member store system 2 sends the merchandise ID assigned to the member store system 2 to the individual article installment information processing device 1 together with the merchant ID.
Information about the product to be installed on the individual product, such as the product name and the loan target amount, that is, product information is transmitted (step 201). Here, the merchant ID is a number assigned by a credit sales company as identification information for identifying a member store. In the individual article installment information processing device 1, the merchant ID transmitted from the member store system 2 in this manner. By comparing this with the merchant ID stored in the member store master file F4, the member store system 2 can be identified.

[2-3. Installment simulation)
The simulation unit 5 of the individual article installment information processing device 1 that has received the information as described above displays the payment conditions of the member store following the member store authentication using the merchant ID. That is, when performing the simulation of the individual product installment, the simulation unit 5 of the individual product installment information processing apparatus 1 reads out the payment condition specified in advance for each member store from the member store master file F4, or reads the payment condition from the member store system 2. A simulation is performed based on payment conditions specified each time.

Here, FIG. 10 shows an example of a screen configuration in a case where a customer simulates installment payment based on information transferred from a virtual shop (referred to as a member store shop) constructed by a member store through a website. FIG.

That is, the customer PC 3 of the customer who clicked the button for the simulation described above, by the link from the website of the member store system 2,
The access destination jumps to the website of the individual product installment information processing device 1. Then, the simulation input screen G2
If the payment method is selected in accordance with the display content (referred to as a simulation form) of 1 (FIG. 11), the simulation result of the installment related to the individual product installment is displayed as a simulation result screen G22 (FIG. 12).

[2-4. Transfer of Information] In addition, if the customer wishes to purchase the product formally by loan, for example, after inputting the product designation and other necessary items on the website of the member store system 2, the individual product installment application Click the button for the mouse with the mouse. In this case, the access destination of the customer personal computer 3 jumps to the website of the individual article installment information processing apparatus 1 by a link, and the information transfer unit 23 of the member store system 2 transmits information to the individual article installment information processing apparatus 1. .

Here, the information transferred from the member store includes
Required items and optional items are considered. Among the required items, merchant ID, application number which is a key assigned by the member store, product name, quantity, amount, total application amount, etc. can be considered. It is also possible to set it.

Further, as optional items, among the items of information on the customer received from the customer's personal computer 3 on the website of the member store, the same items of information as those required for receiving the application for the individual product installment, for example, the name It is also conceivable to transfer the address and the address to the individual article installment information processing apparatus 1.

Thus, the customer can avoid the trouble of repeatedly inputting the same information. Specifically, for example, it is conceivable to set a number in all fields of information input on the website of the member store system 2 and to transfer the information. However, such optional items are not indispensable, and the member store side mechanism The content, whether or not to transfer to the individual product installment information processing apparatus 1 may be determined based on the content, the policy, the judgment, and the like.

As an optional item, it is also conceivable to specify payment conditions such as the number of divisions for each case on the member store system 2 side. In this case, a handling number can be specified and transferred according to the payment conditions and the like. Is desirable.

Further, although not essential in the present invention, for example, when a member store registers an individual product installment application in the individual product installment information processing device 1 in accordance with the application contents collected at a call center or the like, In order to determine whether or not the application is from, a person in charge code may be transferred.

[2-5. Application for individual product installment on screen] Then, in the individual product installment information processing apparatus 1, the application receiving unit 41 of the application processing unit 4 receives an application for individual product installment directly from the customer's personal computer 3 via the Internet N (step 30).
3, 102). In addition, the direct here means not through the member store, and does not mean the case where the customer directly dials up to the facilities of the credit company without going through the open network such as the Internet. Absent.

Specifically, in the individual article installment information processing apparatus 1, upon receiving the above information transmitted from the product information transmitting section 22 and the information transferring section 23 of the member store system 2, the member store master file F4 Based on the above, the merchant ID is used to authenticate the member store, and the application receiving unit 41 of the application processing unit 4 displays a predetermined group of screens (called loan screens) configured as web pages on the customer personal computer 3.

FIG. 13 is a diagram showing an example of a screen configuration for an individual product installment application. That is, in this application, the terms of use for the individual article installment application in the individual article installment information processing apparatus 1 are approved on the terms of use screen G31 (FIG. 14), and the payment method is selected on the payment method selection screen G32 (FIG. 15). I do. In addition, a payment method determination contract form selection screen G33 (FIG. 1)
In 6), the payment method is determined, and a contract form such as an individual or a corporation is selected.

Then, as a screen for inputting basic information such as an address, a date of birth, and a place of work, a screen for a worker G34 (FIG. 17) and a screen for a housewife G35 (FIG. 18) according to the selected contract form. , Student screen G36 (FIG. 19),
Screens such as a corporate screen G37 (FIG. 20) and a guarantor screen G38 (FIG. 21) are displayed, and the customer uses the input fields on these screens to enter necessary items.

A configuration for inputting information items necessary for an individual product installment, that is, a loan application on these loan screens is called a loan form. That is, the customer
According to the loan form, all necessary information for the application is entered and registered, and the registered content is confirmed on the registered content confirmation screen G39 (FIG. 22). Then, when the customer clicks, for example, a predetermined button on the screen with a mouse, the application receiving unit 41
After checking for missing required items,
Information on customer attributes is stored in the customer master file F2.
Other information about the application is available in the application master file F1.
To be stored.

[2-6. Notification of ID Information] When the application is made as described above, the application ID information notifying section 42 of the application processing section 4 notifies the customer PC 3 of the application ID information for identifying the application via the Internet N. I do. That is, the application ID information notification unit 42 transfers the application procedure completion screen G310 (FIG. 23) indicating that the application has been accepted to the customer PC 3 as a web page, and the customer PC 3 displays the reception number, the authentication ID Is displayed.

Here, a specific format of the application ID information is as follows.
In addition to the combination of the application number and the authentication ID as described above, the combination can be freely determined such as a single number or ID. In this example, the application ID information includes the reception number and the authentication ID. It shall be composed of

When the customer wishes to “acquire a member ID” in accordance with the display of the registered content confirmation screen G39 (FIG. 22) at the time of application, the member ID information notifying section 43 of the application processing section 4 As a member ID information for identifying the customer, a new member number and a password are also notified by displaying the screen on the customer personal computer 3 (FIG. 2).
3)

In response to this, the application receiving unit 41 of the application processing unit 4 has already provided, for an access authenticated using such member ID information, for a customer corresponding to the member ID information. Omit a part of the application information and accept a new application. In other words, when such a member number and password are provided, the re-registration of necessary items is not required from the second time, so that the convenience of the customer is improved.

[0094] The member ID information can be considered to also serve as the role of the application ID information, and the customer who has applied for the individual product installment will receive the application ID information when receiving login authentication for information reference and the like. Can be used instead of member ID information.

[2-7. Notice and reference of application to member store)
When the individual product installment application is made as described above, in the individual product installment information processing device 1, the application notification unit 44 of the application processing unit 4
Notifies the member store system 2 via the Internet N of part of the application information indicating what kind of application was made (step 104). However, at this time, the authentication I
As in D, information that will lead to customer privacy is not notified. This notification may be made by means other than the open network such as a fax. FIG.
Is a diagram showing an example of such notification content.

[0096] This notice includes the application acceptance number, and the member store receiving this notice determines the predetermined portion of the website of the individual article installment information processing device 1 (member store site or The examination status and the like can be referred to by using a merchant service screen (step 202). Here, such a website is realized by the operation of the member store operation receiving unit 11 (step 105), and FIG. 25 is a diagram showing an example of a screen configuration of the member store site.

That is, in the member store site, login authentication is performed using the merchant ID and password provided in advance on the member store site login screen G41 (FIG. 26), and the application information is displayed on the member store menu list screen G42 (FIG. 27). , Choose one of the simulations.

When the application information is selected here, the search condition is designated on the application information search screen G43 (FIG. 28), and the application information matching the search condition is displayed on the application information display screen G44 (FIG. 2).
It can be confirmed in 9). When the simulation is selected on the member store menu list screen G42 (FIG. 27), the operation of the simulation section 5 causes the simulation section 5 shown in FIG.
0 and FIG. 11, the simulation input screen G44
(FIG. 30) and a simulation result display screen G441
In FIG. 31, a simulation of installment payment for the individual product installment can be performed.

[2-8. Reference from Sales Office] The above-mentioned application information may be referred to from a sales office of a credit sales company via the Internet N or an in-house network. Then, a part of the website of the individual article installment information processing device 1 that is used to respond to such a reference from the branch is referred to as a branch site. And FIG.
Is a diagram showing an example of the screen configuration of such a branch site.

That is, in the sales office site, login authentication is performed using a predetermined member ID and password of each sales office on the sales office site login screen G51 (FIG. 33), and then the sales office menu list screen G52 (FIG. 3).
In 4), either the application information or the simulation is selected.

When the application information is selected here, the search condition is designated on the application information search screen G53 (FIG. 35), and the application information matching the search condition is displayed on the application information display screen G54 (FIG. 3).
It can be confirmed in 6). When the simulation is selected on the sales office menu list screen G52 (FIG. 34), the simulation unit 5 can simulate the installment payment for the individual product installment in the same manner as the customer or the member store.

[2-9. Examination] The application for the individual installment received as described above is examined by the credit company (step 106). Then, depending on the application, the automatic examination unit 61 of the examination support unit 6 may perform an automatic examination based on a predetermined standard. Conditions for such applications that are suitable for automatic screening include past use results, years of service and annual income that meet certain standards, installment amounts within a certain range, and past payment delays and other accidents. You can freely determine that there is no information.

Then, the automatic examination section 61 performs automatic examination of the application including the above conditions, outputs the result of such automatic examination to the terminal, and the person in charge decides on the result. For applications that do not meet the conditions of
An example is considered in which a person in charge performs a manual examination by displaying information on a terminal or automatically outputting a confirmation instruction sheet. As illustrated in FIG. 37, for example, the application contents may be notified to a sales office of a credit sales company, and an actual examination may be performed at the sales office.

[2-10. Registration and notification of examination results] As the above examination results, provisional approval, rejection, guarantor requirements, etc. can be freely determined, the results of automatic examination are finalized, or the results of manual examination are supported When the examination result is registered by the examination result registration section 62 of the section 6, the examination result is notified to the customer and the member store by the examination result notifying section 63 (step 106).

It should be noted that the notification to the customer is automatically made by the communication unit 8 when the contact specified in advance for the application is suitable for automatic processing, such as an e-mail address or a fax number. For example, if the designated contact is a home, work, or mobile phone number, the person in charge will call according to the instructions displayed on the terminal, etc. It is also conceivable to use such as.

[2-11. Customer's consent] In particular, the contents of the application approved by the examination are to be approved by the customer prior to the creation of the contract (step 305), and such approval is received by the application processing unit 4 It can be accepted by the unit 64 (step 105). That is, the consent receiving unit 64 of the application processing unit 4
Accepts the approval of the application approved by the access using the application ID information or the member ID information issued at the time of the application (step 10).
7).

[0107] Note that "consent" broadly means an operation of accepting the content of the application and the approval as a result of the examination, regardless of the name. Further, in order to have the customer give such a consent on the web page, for example, when notifying the customer of the examination result, the U.S.A. of the application website (called a user site or a customer service screen) is used.
The user may be notified of the RL or the like, and may be notified to confirm the contents and to accept the contents.

[0108] The customer who has received such a notification logs in to the customer service screen with the application ID and the authentication ID, or the member ID and the password, and confirms the loan contents. If the contents are correct, the loan application is accepted. However, as described below, other operations such as cancellation of the application can be performed.

[2-12. Operation by customers and affiliated stores)
In addition, before or after the flow of the examination as described above, the customer who has applied for the individual product installment can apply for the individual product installment made by himself / herself to the customer reference receiving unit 9 of the individual product installment information processing device 1.
The examination status can be referred to (step 304). That is, the customer reference receiving unit 9 of the individual installment information processing apparatus 1 corresponds to the application ID information or the member ID information with respect to the access via the Internet N authenticated using the application ID information or the member ID information. With respect to the application, reference to predetermined information such as the application review status is received (step 105).

Further, if the customer has an error in the loan content of the application made by the customer or wants to make a correction such as a change in quantity or a partial deletion of the product, the customer operates the installment information processing apparatus 1 for individual goods. The receiving unit 10 can perform such operations as correction and cancellation of the application (step 304). That is, the customer operation receiving unit 10
For an access via the Internet N authenticated using the application ID information or the member ID information, for an application corresponding to the application ID information or the member ID information, addition, correction, or Accept predetermined operations including cancellation of application (Step 1
05).

[2-13. Specific processing related to correction etc.] Specifically, when performing such reference or operation, the customer uses the application ID information notified at the time of accepting the application,
What is necessary is just to log in from the customer personal computer 3 to the website realized by the customer reference reception unit 9 and the customer operation reception unit 10 of the individual item installment information processing apparatus 1.

When the contents of the application are modified by the customer, a modification notice is sent from the individual product installment information processing apparatus 1 to the affiliated store system 2 (step 104), and the affiliated company receiving such notice is notified. The store needs to make a consent registration for the correction on the merchant service screen (step 202). Such an operation from the member store is received by the member store operation receiving unit 11 of the individual article installment information processing device 1.

That is, in response to access from the affiliated store system 2, the affiliated store operation accepting unit 11 performs at least reference to the examination status and application of the affiliated store system 2, ie, the affiliated store, as described above. A predetermined operation is received (step 105). Also,
If the member store cannot accept the above-mentioned modification of the application content, the member store can also perform a cancellation process by the function of the member store operation reception unit 11.

If the examination result requires a guarantor, the customer additionally registers the guarantor on the customer service screen or cancels the application. And
When the customer adds a guarantor, the examination needs to be performed again, and the guarantor may be confirmed by e-mail, a web page, a telephone, or the like.

The portion of the website of the individual product installment information processing apparatus 1 that accepts or modifies the applied customer application is called the user site or the customer service screen as described above. 38 is a conceptual diagram showing an example of the screen configuration of the user site.

That is, in the user site, the user logs in on the user site login screen G61 (FIG. 39), selects confirmation of application contents and correction of attribute information on the user site menu list screen G62 (FIG. 40), and displays the application contents confirmation screen. In G63 (FIG. 41) and the like, necessary operations such as confirmation and consent are performed.

[2-14. Creation of Contract and Processing Regarding Member Stores] As described above, when the customer performs the work of accepting the individual product installment application by the acceptance receiving unit 64 (step 107).
The contract creation unit 7 creates a contract for the individual installment contract for the accepted application by printing necessary information such as a part of application information and a contract number on a sheet (step 1).
08). Here, FIG. 42 is a diagram illustrating an example of the contract document created as described above.

The contract created in this way is sent out by automatic encapsulation or manual work, and delivered to the customer's home by mail or courier (step 108), and the received contract is signed and stamped by the customer. The mail is returned to the credit company with the enclosed reply envelope or the like (step 306). When the credit sales company collects the contract, it checks the contents, performs necessary processing such as approval registration and tabulation, and notifies the member store, especially the member store system 2, of necessary items such as the approval number. Then, an instruction to provide the product is given (step 109).

When the individual product installment contract is determined as described above, the merchant provides the customer with the merchandise (step 203), and the credit company pays the merchandise for the merchant (step 110). The customer pays the installment amount to the credit company in installments (step 307). The data such as the application information on the individual product installment, for which the series of processes has been completed, is stored in the completed master file F3. If the customer's consent or return of the contract is not performed within the time limit even if prompted, the application is treated as canceled, and the processing of the information on the application ends.

[2-15. Encryption of information communication and other processing] Also, individual product installment information processing device 1 and member store system 2
The above information exchanged between the personal computer 3 and the customer PC 3 is transmitted to the encryption transmitting / receiving unit 1 of the individual installment information processing apparatus 1.
4. The encrypted transmission / reception unit 24 of the member store system 2 and the browser of the customer's personal computer 3 function to transfer the encrypted communication.

Although not essential to the present invention, the operation of applying for an individual product installment can be performed by the member store staff on behalf of the customer. Instead of linking to the website of the product installment information processing device 1, the member store staff directly performs registration work on the loan application screen of the product installment information processing device 1.

[3. Effect] As described above, in the present embodiment, the application processing unit 4, particularly the application receiving unit 41 of the individual product installment information processing apparatus 1, allows the customer to connect to the customer's personal computer 3 such as a personal computer dial-up connected to the Internet. Thus, it is possible to directly and easily apply for an individual item installment to the individual item installment information processing device 1 constructed as an internet server of a credit sales company.

That is, since the customer directly sends necessary information to the credit company and makes an application without passing through the affiliated store, the burden of the agency work at the affiliated store and the typing input at the credit company is reduced. This simplifies and speeds up the process and effectively protects customer privacy.

In the present embodiment, a part of the application information relating to the application is notified to the member store system 2 by the function of the application notifying section 44 of the individual article installment information processing apparatus 1 provided in a credit company or the like. . As a result, the merchant can easily prepare for purchasing and shipping the merchandise, while the privacy of the customer unrelated to the merchant, such as the customer's annual income, is effectively protected.

In the present embodiment, since the Internet is used as an open network, a general computer such as a personal computer equipped with a web browser can easily apply for an individual product installment application anytime, anywhere, 24 hours a day. Can be performed.

In the present embodiment, the customer who intends to apply for the installment of individual articles via the Internet performs the simulation of the installment payment before the application by the operation of the simulation section 5 of the individual installment information processing apparatus 1. Can be. For this reason, convenience for confirming the degree of burden in advance is improved, decision making is facilitated, and systematic use of the individual product installment is promoted.

In this embodiment, the customer reference receiving unit 9 of the individual product installment information processing apparatus 1 allows the customer to call a member store or the like within a predetermined business hours for information such as the application review status. It is possible to easily confirm the information directly on a web page or the like via the Internet anytime, anywhere, 24 hours a day, without having to be bothered by the conditions, and the burden on member stores and credit companies is reduced.

In the present embodiment, the customer operation receiving unit 10 of the individual article installment information processing apparatus 1 allows the customer to add application information such as supplementing a guarantor, or to correct information due to an input error or address change. Or via the Internet, without having to worry about canceling an application, such as calling a member store during a predetermined business
This can be done directly on a web page, etc., anytime, anywhere, for four hours, reducing the burden on member stores and credit companies.

In this embodiment, the customer operation receiving unit 1
The application processing unit 4, especially the member ID information notifying unit 43 and the application receiving unit 41, issue the member ID information such as the member number and the password to the customer when the customer desires, for example. In the case of a product installment application, by inputting them, it is possible to omit input of existing information such as an address, a name, and a date of birth, thereby facilitating an individual product installment application.

In the present embodiment, the function of the member store operation receiving section 11 of the individual product installment information processing device 1 allows the member store or the like handling the applied product to determine the application review status and the like. Since the call can be made 24 hours a day without calling the credit sales company during the set business hours, preparations for purchasing goods and the like become easy.

In this embodiment, the functions of the encryption transmission / reception unit 14 of the individual product installment information processing apparatus 1, the encryption transmission / reception unit 24 of the member store system 2, and the software on the customer personal computer 3 make it possible for the customer or member store to operate. Is encrypted by SSL or the like. This protects the privacy of customers from third parties during procedures related to individual installment such as applications, as well as theft, tampering,
Fraud such as impersonation is effectively prevented.

Further, in the present embodiment, the attributes such as the length of service of the customer and the presence or absence of accident information are determined by the function of the examination support unit 6, particularly the automatic examination unit 61, of the individual article installment information processing apparatus 1.
By scoring according to the credit standard, all or a part of the examination can be automated, and the burden of the examination is reduced.

In this embodiment, the e-mail is automatically transmitted to the address entered at the time of application by the operation of the examination support unit 6, especially the examination result notification unit 63, and the communication unit 8 of the individual product installment information processing apparatus 1. By doing so, the burden of paperwork for notifying the examination results can be reduced.

Further, in this embodiment, the customer does not have to be bothered by the condition of exchanging with a member store or the like within a predetermined business hours by telephone or the like in finally accepting the contents of the approved application. . That is, by the function of the examination support unit 6 of the individual product installment information processing device 1, particularly the consent receiving unit 64, the customer can make the above-mentioned consent from the individual product installment information processing device 24 hours anytime via the open network. Can be easily performed directly on a web page or the like provided as a server, and the burden on member stores and credit sales companies can be reduced.

In the present embodiment, the contract creation unit 7 of the individual installment information processing apparatus 1 automatically prints necessary items on paper based on the application information input by the customer. Is created automatically. As a result, the burden on the customer and the franchise for processing the contract is reduced, and the privacy of the customer is protected.

Also, in the present embodiment, the member store system 2
When the customer accesses the member store system 2 from the customer's personal computer 3 and designates a product on its web page or the like by the function of the product specification receiving unit 21 and the product information transmitting unit 22, the information on the product is obtained as individual product installment information. The data is transferred to the processing device 1. For this reason, the customer can easily perform the installment payment simulation and the individual product installment application on the premise of the specified product by directly accessing the individual product installment information processing apparatus 1 as it is.

Also, in the present embodiment, the member store system 2
In the member store system 2, if the items that can be used for receiving the individual product installment application, such as the customer's address and name, have already been input, the information transfer unit 23 transfers the information of these items to the individual product such as a credit company. In the installment information processing apparatus 1, the number of information items to be input by the customer at the time of the individual product installment application can be reduced, and the application can be facilitated.

In the present embodiment, the functions of the member store master file F4 and the simulation unit 5 are used.
For example, by identifying the member store system 2, the payment condition specified by the corresponding member store or the like is assumed, or based on the payment condition specified by the member store system 2 each time according to the amount of the product or the like. Simulation can be performed. That is, simulations corresponding to different payment conditions for each member store and each amount can be performed, so that the usefulness of the simulation is improved.

In the present embodiment, the member store information processing unit 12 operates to identify the second computer for each member store, the payment conditions specified by the member store, and the credit sales department responsible for the member store. By registering merchant information such as business offices, you can perform operations such as reference, correction and deletion,
Accurate processing based on the latest member store information is facilitated.

[4. Specific Examples of Advantages According to the Embodiment] Next, advantages according to the embodiment will be specifically described again for each item. [4-1. Advantages of Digitization] That is, in the present embodiment, the information that the customer sends to the credit company is digitized machine-readable digital data. For this reason, the processing flow required for an individual product installment contract such as application or contract creation is automated, that is, automated, and can be centrally and efficiently processed by a computer system centered on a credit sales company. In other words, since the credit sales company automates the application process by accepting digital data, it is possible to omit the necessity of performing a new type input process for handwritten characters.

Further, since the digitized information is transmitted accurately, there is no need to confirm the handwritten contract contents by telephone or the like, and the office procedure is simplified. In addition, the efficiency of the equipment can be improved by centrally processing the individual product installment with a facility such as a processing center, and integrating and streamlining the process from applying for the individual product installment to printing the contract. In addition, by processing the individual product installment based on the digitized information, it becomes easy to deal with an electronic contract document using, for example, an encryption technique or an electronic signature.

In the past, individual installment information processing systems realized by computer equipment and manual procedures had to be constructed for each member store, and furthermore, for each member store or individual case. In this case, the process from the application of the installment of individual products to the mailing of the contract must be performed, but such a burden on the affiliated store is not required.

[0143] Then, not only the affiliated store related to the individual product installment but also the customer can efficiently and simplify office work such as document entry. In addition, since the burden on credit sales companies and others concerning application acceptance and screening of individual installment installments is greatly reduced,
Processing becomes easy not only for existing members of credit companies such as card members, but also for new customers.

[4-2. Advantages of Using Open Network] In the present embodiment, by using the open network, it becomes easy for customers to apply for an individual installment contract at any time and from anywhere. In addition, by exchanging information via the open network, cooperation between the member stores, consumers, and credit companies is enhanced. Also, by using an open network, particularly the Internet, it is possible to reduce the line cost as compared with a dedicated line or the like.

Further, the member store or customer can easily refer to the history of the application, examination status, examination result, etc. on the screen of the website anytime and anywhere. In addition, cancellation registration, cooling off,
Procedures such as modification of attribute information, additional processing of a guarantor, and modification of sales information can be easily processed at any time through the open network.

In particular, in the present embodiment, the encryption transmitting / receiving section 1
By securing security when using the open network by using 4 or 24, it is possible to secure the security of e-commerce and promote calls.

[4-3. Merits of the Member Store] That is, from the viewpoint of the member store, there is a merit that the contract procedure is simplified. In other words, there is no need to create a contract, mail the contract, and manage customers, which are conventionally performed at the member store.

Further, there is an advantage that the member store does not need to develop a system for a loan. That is, in the past, the loan or individual installment system was
Although each member store has been developed individually, since the credit sales company constructs a system for installment of individual goods as in the above-described embodiment, the burden of independently developing a loan system becomes unnecessary.

[0149] Further, there is an advantage for the member store that confirmation of the examination status and sales management can be performed 24 hours a day. In other words, in the past, the only way to check the screening status was to contact the credit company by telephone or fax from the member store at a predetermined time, but by using the open network, it is possible to check at any time 24 hours It is possible to do.

[0150] Also, procedures such as cancellation registration can be performed 24 hours a day by utilizing the open network. Further, the information relating to the individual product installment is managed in a database at a credit sales company, so that the cost for managing such information at a member store can be reduced.

[4-4. Advantages from the customer side] Also, from the viewpoint of the customer, there is an advantage that the contract procedure is simplified. That is, conventionally, the application form and the contract form are written by the customer by hand, but not only are the information sent from the customer's personal computer 3 to the individual item installment information processing apparatus 1 to apply for the individual item installment but also to be sent. By printing the information and creating a contract, handwritten entry is almost unnecessary.

Further, since the screen configuration as exemplified in the above embodiment is unified, it is easy to operate and understand, and it is easy for the customer to use the individual installment. Further, the customer can refer to the examination status and check the contract contents 24 hours a day. In other words, in the past, the only way to refer to the screening status was to contact the member store by telephone or the like during a predetermined time zone.
It is possible to perform such confirmation at any time,
Similarly, cancellation of an application, addition of a guarantor, acceptance of cooling-off, and modification of attribute information such as address and workplace are also required.
It becomes possible at any time.

[4-5. Advantages of the credit sales company] Also, the input work of application information is not required for the credit sales company.
That is, conventionally, application information prepared at a customer or a member store has been notified from a member store to a credit company by telephone, facsimile, or the like. For this reason, the credit company had to type-input the notified application information again, but this input operation becomes unnecessary.

Further, the credit company does not need to check the customer. In other words, in the past, when confirming the contract contents, the customer's home or work place was checked by telephone, but by utilizing the open network, such confirmation and acceptance can be performed 24 hours a day. This eliminates the need for confirmation work using a telephone or the like from a credit company.

[5. Other Embodiments] The present invention is not limited to the above embodiments, but includes other embodiments as exemplified below. For example, FIG.
Then, the customer personal computer 3, that is, the first computer,
The member store system 2, that is, the second computer, and the individual item installment information processing device 1 are each shown one by one.
This is a conceptual example, and it is natural that a large number of first computers exist, and a large number of second computers also desirably exist for each member store.

Further, the second computer may be provided for one member store in a plurality of roles and functions. Further, it is conceivable to disperse the load by providing a plurality of individual article installment information processing apparatuses 1.

[0157] In addition, regarding the application for individual product installment and the notification to the affiliated store of the application, specific items of information are free, and the notification to the affiliated store is notified to the affiliated store system 2 by e-mail. In addition, the member store may be notified by fax or the like. In addition, the open network is not limited to the Internet, and other wide area networks that exist now or will be constructed in the future can be used.

It is not necessary to perform operations such as referring to and accepting the application information from the same computer as that on which the application for the individual product installment was made, and the login authentication is renewed from another computer based on the application ID information and the member ID information. I just need it. Further, the range of reference and operation permitted to the customer and the member store can be freely determined according to specific operational circumstances.

In the case of performing an automatic examination based on a scoring standard or the like, all processes from the examination to the notification of the examination result may be automatically performed. In addition, when using an electronic contract, the customer performs a digital signature using encryption technology when confirming and accepting the application content on the user site, making it unnecessary to create, send, and collect the contract, It is also possible to automate registration and counting.

[0160]

As described above, according to the present invention, an individual article installment information processing apparatus and method for efficiently and easily processing information on individual article installments via an open network such as the Internet, and an individual article installment. It is possible to provide a recording medium on which an information processing system and software for installing and processing individual products are recorded.

[Brief description of the drawings]

FIG. 1 is a functional block diagram showing a configuration of an embodiment of the present invention.

FIG. 2 is a diagram showing a configuration example of a member store master file and an application master file according to the embodiment of the present invention.

FIG. 3 is a flowchart illustrating an example of a processing procedure according to the embodiment of the present invention.

FIG. 4 is a conceptual diagram showing an example of a screen configuration related to processing of member store information in the embodiment of the present invention.

FIG. 5 is a view showing an example of a member store information menu screen according to the embodiment of the present invention.

FIG. 6 is a view showing an example of a member store basic information registration screen according to the embodiment of the present invention.

FIG. 7 is a diagram showing an example of a member store condition registration screen according to the embodiment of the present invention.

FIG. 8 is a view showing another example of a member store condition registration screen according to the embodiment of the present invention.

FIG. 9 is a view showing an example of a branch information registration screen according to the embodiment of the present invention.

FIG. 10 is a conceptual diagram showing an example of a screen configuration relating to a simulation of installment payment relating to an individual product installment in the embodiment of the present invention.

FIG. 11 is a view showing an example of a simulation input screen according to the embodiment of the present invention.

FIG. 12 is a view showing an example of a simulation result display screen according to the embodiment of the present invention.

FIG. 13 is a conceptual diagram showing an example of a screen configuration related to an application for individual product installment in the embodiment of the present invention.

FIG. 14 is a view showing an example of a usage agreement screen according to the embodiment of the present invention.

FIG. 15 is a view showing an example of a payment method selection screen according to the embodiment of the present invention.

FIG. 16 is a diagram showing an example of a payment method determination contract form selection screen according to the embodiment of the present invention.

FIG. 17 is a view showing an example of a worker screen according to the embodiment of the present invention.

FIG. 18 is a view showing an example of a housewife screen according to the embodiment of the present invention.

FIG. 19 is a view showing an example of a student screen according to the embodiment of the present invention.

FIG. 20 is a view showing an example of a corporate screen according to the embodiment of the present invention.

FIG. 21 is a view showing an example of a guarantor screen according to the embodiment of the present invention.

FIG. 22 is a view showing an example of a registration content confirmation screen according to the embodiment of the present invention.

FIG. 23 is a view showing an example of an application procedure completion screen according to the embodiment of the present invention.

FIG. 24 is a diagram showing an example of a notification to a member store regarding an application for individual product installment in the embodiment of the present invention.

FIG. 25 is a conceptual diagram showing an example of a screen configuration of a member store site in the embodiment of the present invention.

FIG. 26 is a view showing an example of a member store site login screen according to the embodiment of the present invention.

FIG. 27 is a diagram showing an example of a member store menu list screen according to the embodiment of the present invention.

FIG. 28 is a view showing an example of an application information search screen according to the embodiment of the present invention.

FIG. 29 is a view showing an example of an application information display screen according to the embodiment of the present invention.

FIG. 30 is a view showing an example of a simulation input screen according to the embodiment of the present invention.

FIG. 31 is a view showing an example of a simulation result display screen according to the embodiment of the present invention.

FIG. 32 is a conceptual diagram showing an example of a screen configuration of a sales office site in the embodiment of the present invention.

FIG. 33 is a view showing an example of a sales office site login screen according to the embodiment of the present invention.

FIG. 34 is a view showing an example of a branch menu list screen according to the embodiment of the present invention.

FIG. 35 is a view showing an example of an application information search screen according to the embodiment of the present invention.

FIG. 36 is a view showing an example of an application information display screen according to the embodiment of the present invention.

FIG. 37 is a diagram showing an example of the contents of notification in the case of notifying the contents of an application from the individual item installment information processing apparatus to the sales office of a credit company in the embodiment of the present invention.

FIG. 38 is a conceptual diagram showing an example of a screen configuration of a user site according to the embodiment of the present invention.

FIG. 39 is a view showing an example of a user site login screen according to the embodiment of the present invention.

FIG. 40 is a view showing an example of a user menu list screen according to the embodiment of the present invention.

FIG. 41 is a view showing an example of an application content confirmation screen according to the embodiment of the present invention.

FIG. 42 is a view showing an example of a contract created by a contract creating section of the individual article installment information processing device in the embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Individual goods installment information processing apparatus 2 ... Member store system 21 ... Merchandise specification reception part 22 ... Merchandise information transmission part 23 ... Information transfer part 3 ... Customer personal computer 4 ... Application processing part 41 ... Application reception part 42 ... Notification of application ID information Section 43 Member ID information notification section 44 Application notification section 5 Simulation section 6 Examination support section 61 Automatic examination section 62 Examination result registration section 63 Examination result notification section 64 Acceptance acceptance section 7 Contract creation section 8 communication section 9 customer reference reception section 10 customer operation reception section 11 member store operation reception section 12 member store information processing section F1 application master file F2 customer master file F3 completion master file F4 member store master File F5: Sales office master file N: Internet

Claims (37)

[Claims] 1. An individual product installment information processing device for processing information relating to individual product installment, wherein an application for receiving the individual product installment application from a first computer connected via an open network. An individual article installment information processing apparatus comprising a receiving unit. 2. A system according to claim 1, further comprising means for notifying, via an open network, part of the application information relating to the application to a second computer for processing information relating to the product relating to the application. The individual article installment information processing apparatus according to claim 1. 3. The individual article installment information processing apparatus according to claim 1, wherein the open network is the Internet. 4. The individual article installment information processing apparatus according to claim 1, further comprising a simulation unit for performing a simulation of installment payment in the individual article installment. 5. A means for notifying the first computer of application ID information for identifying the application via an open network, and means for notifying the first computer via the open network authenticated using the application ID information. Means for accepting a reference to predetermined information including at least an application review status for an application corresponding to the application ID information in response to the access of (1). Any one
Item installment information processing device. 6. A means for notifying the first computer of application ID information for identifying the application, and applying to the access via the open network authenticated using the application ID information. A first operation accepting means for accepting an operation corresponding to the ID information, the operation including at least one of adding, modifying, or canceling the application information relating to the application; Any one of claims 1 to 5
Item installment information processing device. 7. A means for notifying the first computer of member ID information for identifying an applicant in response to the application, wherein the application receiving means performs authentication using the member ID information. 7. The system according to claim 1, wherein a part of the application information already existing for the applicant corresponding to the member ID information is omitted in response to the access, and a new application is accepted. An individual article installment information processing apparatus according to any one of the above. 8. A second operation receiving means for receiving a predetermined operation including at least a reference to an examination status for the application relating to the second computer in response to access from the second computer. The individual article installment information processing apparatus according to any one of claims 2 to 7, further comprising: 9. The apparatus according to claim 2, further comprising: means for performing encrypted communication with at least one of the first computer and the second computer. The individual article installment information processing apparatus described in the above. 10. The individual article installment information processing apparatus according to claim 1, further comprising examination means for examining the application based on a predetermined criterion. 11. The system according to claim 1, further comprising: means for registering the examination result for the application; and means for notifying the examination result to a contact designated in advance for the application. 10. The individual article installment information processing apparatus according to any one of 10 above. 12. The apparatus according to claim 1, further comprising: means for receiving an approval by an access from an authenticated applicant with respect to the application approved by the examination. Individual product installment information processing device. 13. The individual article installment information processing apparatus according to claim 12, further comprising means for creating a contract based on application information on the accepted application. 14. An individual product installment information processing device for processing information relating to individual product installment, and a personal computer installed in the individual product installment information processing device and connected to the individual computer via an open network. Application receiving means for receiving an application for product installment; and a second computer connected to the individual product installment information processing device via the open network and for processing information relating to the product pertaining to the application. In the individual article installment information processing system, the second computer receives a request for specifying a product from the first computer via an open network, and transmits information on the specified product via the open network. Means for sending the information to the individual item installment information processing apparatus. Processing system. 15. The first computer according to claim 1, wherein
Means for transferring, to the individual installment information processing apparatus, information on the same items as the information required for receiving the application among the items of information received from the computer. Item 14. The individual article installment information processing system according to Item 14. 16. The individual article installment information processing apparatus includes simulation means for simulating an installment payment in the individual article installment, wherein the simulation means includes a payment condition or a payment condition designated in advance for each of the second computers. 16. The individual article installment information processing system according to claim 14, wherein the simulation is performed based on a payment condition designated by the second computer. 17. The individual article installment information processing device, comprising: identification information for identifying the second computer;
15. The system according to claim 14, further comprising means for registering, modifying, referring to, and deleting member store information including payment conditions specified in advance for each of said second computers.
6. The individual article installment information processing system according to any one of 6. 18. An individual item installment information processing method for processing information relating to individual item installment, wherein an application for receiving an application for the individual item installment from a first computer connected via an open network. An individual article installment information processing method comprising a receiving step. 19. A method according to claim 19, further comprising the step of notifying a second computer for processing information relating to the product relating to the application of a part of the application information relating to the application via an open network. Item 19. The individual article installment information processing method according to Item 18. 20. The method according to claim 18, wherein the open network is the Internet. 21. The individual component installment information processing method according to claim 18, further comprising a step of performing a simulation of installment payment in the individual component installment. 22. A step of notifying the first computer of application ID information for identifying the application via an open network, and via the open network authenticated using the application ID information. 22. The method according to claim 18, further comprising the step of: receiving, for the application corresponding to the application ID information, a reference to predetermined information including at least the application review status. The individual article installment information processing method according to any one of the above. 23. A step of notifying the first computer of application ID information for identifying the application, and applying to the access via the open network authenticated using the application ID information. 23. The method according to claim 18, further comprising: receiving an operation including at least one of adding, modifying, or canceling the application information relating to the application with respect to the application corresponding to the ID information. An individual article installment information processing method according to any one of the above. 24. The method according to claim 24, further comprising the step of notifying the first computer of member ID information for identifying the applicant in response to the application, wherein the application receiving step includes authentication using the member ID information. 19. A new application is accepted in response to the access made by omitting a part of the application information already existing for the applicant corresponding to the member ID information.
23. The individual article installment information processing method according to any one of items 23 to 23. 25. A method for receiving, from an access from the second computer, a predetermined operation including at least a reference to a review status for the application related to the second computer. The individual article installment information processing method according to any one of claims 19 to 24. 26. The method according to claim 1, further comprising the step of performing encrypted communication with at least one of the first computer and the second computer.
26. The individual article installment information processing method according to any one of 9 to 25. 27. The method according to claim 18, further comprising: a step of registering a screening result for the application; and a step of notifying the screening result to a contact designated in advance for the application. The individual article installment information processing method according to any one of the above. 28. The method according to claim 18, further comprising a step of receiving an approval by an access from an authenticated applicant with respect to the application approved by the examination. Individual product installment information processing method. 29. The method according to claim 28, further comprising the step of creating a contract based on application information on the accepted application. 30. An application for receiving an application for the individual product installment from a first computer connected via an open network, wherein the individual product installment information processing device for processing information relating to the individual product installment is provided. A receiving step, and a second computer connected to the individual product installment information processing device by the open network, a step for processing information relating to the product pertaining to the application. The second computer, comprising: a step of receiving designation of a product from the first computer via an open network; and information on the designated product from the second computer via the open network. Sending to the individual product installment information processing device. Individual consumer installment credit information processing method. 31. The individual component installment information processing device,
The method according to claim 1, further comprising the step of performing a simulation of installment payment in the individual product installment based on a payment condition specified in advance for each of the second computers or a payment condition specified by the second computer. Item 30. The individual item installment information processing method according to Item 30. 32. A recording medium recording software for processing individual item installment information for processing information relating to individual item installment using a computer, wherein the software is connected to the computer via an open network. A second computer for receiving an application for the individual product installment from the first computer and processing information relating to a product related to the application;
A piece of application information relating to the application to the computer via an open network. 33. The recording medium according to claim 32, wherein said software causes said computer to simulate installment payment in said individual product installment. 34. The software causes the computer to notify application ID information for identifying the application to the first computer via an open network, and the software is authenticated using the application ID information. 34. The individual installment according to claim 32 or 33, wherein for access via the open network, reference to predetermined information including at least an application review status is received for an application corresponding to the application ID information. A recording medium on which information processing software is recorded. 35. The software causes the computer to notify the first computer of application ID information for identifying the application, and the computer receives an access via the open network authenticated using the application ID information. 35. The method according to claim 32, wherein the application corresponding to the application ID information receives an operation including at least one of addition, modification, and cancellation of the application information related to the application. A recording medium on which is stored the software for information processing of installment of individual articles described in (1). 36. The software causes the computer to accept a predetermined operation including at least reference to a review status for the application related to the second computer in response to access from the second computer. A recording medium recording the software for information processing for installment of individual articles according to any one of claims 32 to 35. 37. First software for realizing an individual item installment information processing device by processing information relating to an individual item installment using a computer, and connected to the individual item installment information processing device via an open network. A second software for causing a second computer to process information relating to a product pertaining to an application for an individual product installment; and a recording medium recording individual product installment information processing software including: Causing the computer to accept the application for the individual product installment from a first computer connected via an open network, wherein the second software sends an open network from the first computer to the second computer; And accept the product specification via A recording medium storing software for information processing for installing individual items, wherein the software is sent from the second computer to the information processing apparatus for installing individual items via the open network.