JP2002133103A - Financial mediation system and financial mediation method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system capable of decreasing the loss when a consumer obtains a loan from the money leader, and allowing the money leader to widely get the consumers as a subject for loan. SOLUTION: This financial mediation system is provided with a financial mediation server 1 connected to the Internet N. The financial mediation server 1 conducts the processing for saving the information on the consumers sent through the Internet N in a consumer data base, the processing for providing the information on the consumers to the money leader connected through the Internet N and sending the information on the money leader capable of loaning to the consumers by main in the case where the money leader will loan money to the consumer, and the processing for accounting on the money leader.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial mediation system and a financial mediation method, and more particularly, to a technique for obtaining loan information via a communication network such as the Internet.

[0002]

2. Description of the Related Art Conventionally, individuals or managers of private companies who wish to borrow have to go to the window of a financing company in the city and go through necessary procedures to obtain a loan.
To reduce the effort of visiting multiple financiers,
As shown below, a system using the Internet can be considered.

That is, as shown in FIG. 19, this system includes an information transfer server 11 which is connected to the Internet (not shown), is configured as a Web server and a mail server, and manages the information transfer server 11. A consumer (borrower) who has the terminal 12 and connects via the Internet can use the terminal 14 to specify information such as the address, occupation, and name of the consumer in addition to the amount of money to be borrowed. Information #
01 to the information transfer server 11, the information transfer server 11 performs a process of accepting the borrowing request information, and also receives the borrowing request information # 0 thus received.
2 is set to perform a delivery process of sending the electronic mail 2 to the terminals 13 of a plurality of financiers registered in the management terminal 12 in advance by e-mail (# 02). In addition, each of the financiers who received the e-mail (# 02) makes an examination by processing such as accessing the database of the research company 14 based on the contents of the e-mail (# 02), and determines whether or not to lend. Information and, if a loan is possible, loan information including the conditions of the loan, etc., and each financing company sends the loan information # 03 to the information transfer server 11 from the terminal 13 of the company. Is performed. When the loan information is sent in this manner, the information transfer server 1
1 performs a process of accepting the loan information # 03, and a process of the information transfer server 11 to perform a return process of transferring the accepted loan information to the consumer terminal 12 by an email # 04. Set the form. And
After the return process is performed, if financing is possible, the individual who desires financing and the financing company can perform negotiation # 05 for financing.

[0004] In other words, in this system, when a person who desires a loan seeks a lender capable of lending, only the personal information of the person who desires a loan is sent to the information transfer server 11, and the personal information is automatically transmitted. It is sent to a plurality of financiers, and the financiers can know the information of personal information for which they wish to make a loan without specially conducting business activities. Then, the financing company creates loan information in order to determine whether or not to lend and loan conditions based on the personal information and sends it to the information transfer server 11. It will be able to communicate the intentions of financiers, and subsequently allow financiers to negotiate directly with those who want to lend.

[0005]

When a borrower wishes to obtain a loan from a financing company, the borrower is usually examined by the financing company. However, due to the slight differences between financiers, this screening may be performed even if the individual has the ability to repay in short service years, such as when an individual seeks a loan immediately after changing jobs. In some cases, financing becomes impossible and financing cannot be obtained. Such individuals often visit a plurality of companies and negotiate the loan in many cases, and it may take time for the individual to obtain the loan. On the other hand, financiers who provide loans to individuals have few opportunities to contact individuals who want to borrow, and at present, they want opportunities to contact a wide range of individuals who want to borrow.

Therefore, it is necessary to consider the effectiveness of the system provided with the information transfer server 11 assumed as described above. From the standpoint of a person who desires to borrow in this system, it is useful that the financing information including the information on the availability of financing is sent from a plurality of financiers by simply sending personal information to the information transfer server 11. There is. However, in this system, personal information, specifically, personal information such as personal name, address, occupation, etc., is sent to a plurality of financial institutions because it is necessary to be able to judge whether or not to lend to those who wish to borrow. As a result, not only is there the inconvenience that multiple financiers will be able to know their private information,
If you try to receive a loan multiple times, it will be difficult for you to use the loan because it will be known to other financiers up to the number of times you have requested the loan. Since the financing information is sent randomly from the financiers, it takes time and troublesome to read each financing information.

[0007] Further, from the standpoint of a financing company, this system can access a plurality of pieces of information for which a loan is desired, but also sends personal information that cannot be loaned according to the screening criteria of that company. There is a disadvantage that the number of processes increases too much, and there is room for improvement.

[0008] An object of the present invention is to enable a person who wishes to borrow to protect personal information while reducing the labor of an individual when receiving a loan from a financing company. Is to reasonably configure a system and a method that can obtain a wide range of persons to be financed without performing the above.

[0009]

The features, operations and effects of the financial intermediary system according to claim 1 of the present invention are as follows. [Features] A financial intermediation server connected to the communication network is provided, and the financial intermediation server performs a database processing for storing information sent from the terminal of the borrower who wants to connect to the communication network in a database,
And, based on the request information from the terminal of the financing company connected to the communication network, perform the inquiry process of delivering the detailed information of the borrower extracted from the database to the terminal of the financing company, and from the terminal of the financing company It is configured to receive financing information specifying a borrower, and perform a delivery process of delivering the financing information to the terminal of the borrower as a delivery destination.

[Operation / Effect] As shown in FIG. 18, the configuration of the above features is as follows: a communication network (not shown);
It is possible to represent each. Then, when the borrower wishes to borrow, the borrowing request information # from the terminal 4 to the financial intermediary server 1 via the communication network.
By sending 1, the financial intermediation server 1 converts the information # 1 into a database by a database creation process. When the financing company seeks a financing target, the financial intermediation server 1 is connected from the terminal 3 via the communication network.
, The financial intermediation server 1 performs an inquiry process of delivering the detailed information # 5 extracted from the database based on the request to the terminal 3 of the financial institution. In the case where the detailed information # 5 thus delivered conforms to the examination by the financial intermediary, the financial intermediary sends the financial intermediation server 1 the financing information # 6 to be sent to the borrower, thereby allowing the financial intermediation server 1 The server 1 performs a delivery process for delivering the loanable information # 7 with the terminal 4 of the borrower as the delivery destination. After the financing available information # 7 is sent in this way, a person who wants to borrow can perform negotiation # 8 of financing with the financing company that sent the financing available information # 6 (# 7).

That is, a person who wishes to borrow sends information to the financial intermediation server 1 to determine whether or not to lend, information such as the amount of borrowing and repayment conditions, so that the financing company can determine whether or not to lend. Then, the financing information is sent only from the financing company that has determined that financing is possible. Also, since the financial intermediary connects to the financial intermediation server and only sends predetermined request information, the financial intermediary server extracts the loan target corresponding to the request information, so that it is easy to grasp the loan target. Become. As a result, a person who desires to borrow does not waste time when receiving a loan, and the financier can broadly seek a loan target person and can easily select a loanable person.

The features, operations and effects of the financial intermediary system according to claim 2 of the present invention are as follows. [Features] In the financial intermediation system according to claim 1, the request information includes condition information for selecting a borrower and designation information for specifying a specific borrower, and the inquiry process includes a communication process. Processing for delivering a list including the outline information of borrowing applicants extracted from the database based on the condition information sent from the terminal of the financial institution connected to the network to the financial institution, and processing the list from the terminal of the financial institution Read out from the database the level of information that cannot identify an individual among the detailed information of the borrowing applicant specified based on the specification information specifying the borrowing applicant, and deliver it to the terminal of the financing company. There is in the point.

[Operation / Effect] According to the above feature, when a financing company makes an inquiry about a borrower, the terminal information of the financing company sends condition information to the financial intermediation server, thereby providing an overview of the borrower. Will be delivered, so that the financier can determine the possibility of financing from the summary information of the borrower in the list, and the financier can make a loan in the list. By sending the designated information that specifies the prospective borrower from the terminal of the financial institution to the financial intermediary server, the detailed information of the designated borrower will be delivered, and the details of the designated borrower will be delivered. Based on the information, it is possible to determine whether or not to lend. In other words, from the perspective of the financier, a rough selection was made by setting conditions such as the information on the area where the borrower resides as summary information of the borrower, the age, and the amount of money the borrower wishes to borrow. Later, you can specify the borrower, which makes it easier to select from many borrowers, and from the perspective of the borrower, private information is not disclosed because the information identifying the individual is not disclosed. No information is known. As a result, even when there is a lot of information on borrowers, it is possible to easily select borrowers who can lend while reducing the burden on financiers, and also protect the personal information of borrowers. You can do it.

The features, operations and effects of the financial intermediary system according to claim 3 of the present invention are as follows. [Features] In the financial intermediation system according to claim 1 or 2,
The financial intermediation server includes an authentication unit for requesting the financing company to input identification information prior to the delivery of the detailed information, and permitting the delivery of the detailed information only when valid identification information is input. It is in the point.

[Operation / Effect] According to the above-mentioned feature, the financial intermediation server requests the financial institution to input identification information prior to the process of delivering the detailed information from the financial institution, and is effective in response to the request. Only when the identification information is input, the authentication means permits the delivery of the detailed information to the financing company, and there is no possibility of delivering the detailed information to the financing company having no identification information. As a result, it is possible to eliminate unlicensed companies and malicious companies and to provide financing to borrowers from appropriate pre-screened financing companies.

The features, operations and effects of the financial intermediary system according to claim 4 of the present invention are as follows. [Features] In the financial intermediation system according to claim 1 or 2,
When the inquiry process is performed or when the financing-possible information is delivered, a process for enabling charging to the financing company is performed.

[Operation / Effect] According to the above feature, when the financial intermediary server performs an inquiry process of delivering detailed information to the terminal of the financial institution, or the terminal of the applicant who wants to borrow, the delivery of the financing-possible information is performed. When the processing is performed, the financial company can be charged, and the person who operates the financial intermediation server can perform the charging in proportion to the number of inquiry processing and delivery processing. As a result, the person who operates the financial intermediation server obtains profit based on the results of the intermediation.

The features, operations and effects of the financial intermediary system according to claim 5 of the present invention are as follows. [Features] In the financial intermediation system according to claim 1 or 2,
When the financing available information is delivered to the terminal of the borrower by the delivery processing, the financial server is provided with a bid number display means for clarifying the information of the delivered number on the financial server side.

[Operation / Effect] According to the above-mentioned feature, when financing available information from a plurality of financiers is delivered to a specific borrower (in the case of bidding), the number-of-bids display means is provided with a specific number of bids. The number of deliveries made to the borrower will be revealed on the financial intermediation server side, and then the lender will analyze the details of the borrower based on the number of bids. It is also possible to refer to the judgments of other financiers in the examination. As a result, the lender can determine the reliability of the borrower based on the number of bids.

The features, operations and effects of the financial intermediary system according to claim 6 of the present invention are as follows. [Features] In the financial intermediation system according to claims 1 to 5, the financial intermediation server is configured to perform a posting process of storing personal information sent from a financial institution in a state that can be viewed by another financial institution. It is in the point.

According to the above-mentioned feature, the financial intermediation server can save the personal information sent from the financial institution in a browsable state. Can save various information, for example, if this individual wishes to borrow again, the financial institution can assist the examination by browsing the information stored in the financial intermediation server. It is possible to mediate. As a result, it is possible to increase the number of times and the time required for the financiers to connect to the financial intermediation server, and increase the number of intermediaries by increasing the opportunities for the financiers to contact the information of the borrower.

The features, operations and effects of the financial intermediation method according to claim 7 of the present invention are as follows. [Features] A storage step for storing information sent from the borrower via the communication network, and extracting information on the borrower stored in the storage step based on request information sent from the financing company via the communication network. An inquiry step of delivering the financing company to the financier via the communication network, and financing available information transmitted from the financing company via the communication network in response to the information of the borrower who is queried in the communication network. And a delivery step for delivering to the borrower via the Internet.

[Operation / Effect] According to the above feature, information transmitted from the borrower via the communication network is stored in the storage step, and based on the request information transmitted through the communication network, the information is stored in the storage step in the inquiry step. Since the stored information on borrowers is extracted and delivered to financiers, borrowers do not have to go to a large number of financiers, and financiers are able to finance many borrowers via a communication network. can do. In addition, since financing available information from the financing company is delivered to the borrower through the communication network by the delivery step, the financing company can easily inform the borrower of the intention to lend. In other words, the borrower can obtain a loan without wasting time. As a result, a person who desires to borrow does not waste time when receiving a loan, and the financier can broadly seek a loan target person and can easily select a loanable person.

[0024]

Embodiments of the present invention will be described below with reference to the drawings. As shown in FIG. 1, a financial intermediation server 1 configured as a web server and a mail server connected to the Internet N (an example of a communication network), a management terminal 2 connectable to the Internet N, and a connection to the Internet N A financial intermediary system is provided with a terminal 3 of a possible financial company and a terminal 4 of a consumer (borrower) that can connect to the Internet N. Here, the management terminal 2 means a terminal of a person who not only manages the financial intermediation server 1 but also charges a financial company using the financial intermediation system. The terminal 3 of a finance company refers to a terminal of a so-called consumer finance company, and particularly refers to only terminals of a plurality of finance companies registered in the finance intermediation server 1 in advance. The consumer's terminal 4 refers to a terminal operated by an unspecified consumer (individual) who wants to borrow from a financing company or a manager of a private company (a borrower). Each terminal is provided with a display D and a keyboard K.

The financial intermediation server 1 includes a consumer database and a trader database, processes information in these databases, and executes processing on the Internet N.
And a CGI (Common Gateway Interface) for processing information for accessing the server 1 through the server. The consumer database stores consumer information sent from the terminal 4 of the consumer who desires to borrow from the financial company via the Internet N, and stores in the company database as authentication information of the previously collected financial company. It stores an ID number, a password, arbitrary information written to an e-mail sent when a loan can be made to a consumer as will be described later, an advertisement of a financial company, and the like. In this system, the pre-registered (provided with the authentication information) financing companies are the proper ones that have been approved by the prefecture.

From the terminal connected to the Internet N, the URL (Uniform Resource Locater) of the financial intermediation server 1
When the user logs in by designating, an initial screen is displayed on the display D of the terminal as shown in FIG.
The initial screen is displayed by the financial intermediation server 1 on the basis of a request from a Web browser on the terminal side.
rkup Language) in the form of W
What the eb browser displayed on display D,
As shown in the figure, a menu of “new registration of consumer information”, “bid”, “deletion of consumer information”, and “participant list display” is displayed on the initial screen. The selection is completed by selecting one of the menus with the cursor displayed on the display D by operating the mouse or the cursor keys and clicking a mouse button or operating a predetermined key of the keyboard K. When the selection is made in this way, information indicating that the selection has been made is sent from the terminal to the financial intermediation server 1, and the financial intermediation server 1 makes the selection based on the information thus sent. It is configured to perform necessary processing corresponding to the target. The processing performed by the financial intermediation server 1 when "new registration of consumer information", "bid", "deletion of consumer information", "display of a list of participating companies", or "bulletin board" is selected will be described below. explain.

[New Registration of Consumer Information] A consumer who wishes to borrow is required to register “new registration of consumer information” on the initial screen.
Is required to register the consumer information by selecting the menu shown in FIG.
Is performed.

That is, the user logs in to the financial intermediation server 1 from the terminal of the consumer, and selects the menu of “new registration of consumer information” from the initial screen. When the selection is made in this manner, the input screen sent from the financial intermediation server 1 is displayed on the display D as shown in FIGS. This input screen contains basic information (level 1 consumer information)
, An input area E2 for detailed information (level 2 consumer information), and an input area E3 for private information (level 3 consumer information).
Specifically, as shown in the figure, in the area E1 of the basic information (level 1 consumer information), the "date to borrow" indicating the desired date of borrowing, and the "prefecture" indicating the place of residence are shown. , "Sex" indicating gender, "age" indicating age, and the like are formed. Detailed information (level 2 consumer information)
In the area E2, there is a "home address" indicating a permanent address, a "marriage" indicating whether the person is married or unmarried, an "industry type of work" indicating an engaged business, and a "work type" indicating an engaged job type. An input section such as "occupation" is formed. In a private information (level 3 consumer information) input area E3, "name" indicating a name, "name (reading)" indicating reading of a name,
An input section such as “address” indicating an address is formed. or,
"Apply" to operate when registering new consumer information
A switch and a "stop" switch operated when there is no intention to register are displayed at the bottom. In addition, these three
In order to display all of the seed areas E1, E2, and E3 on the display D, the user scrolls.

Then, after performing an appropriate input from this input screen, by performing an operation of clicking a “Apply” switch on the screen, the input information is transmitted from the consumer terminal 4 to the financial intermediation server 1. Will be sent,
The financial intermediation server 1 stores the consumer information of the level 1 and the consumer 2 of the consumer information in the consumer database (an example of a database creation process). Thereafter, the financial intermediation server 1 sends all (level 1, 2, 3) consumer information to the e-mail address of the management terminal 2 as an e-mail, and registers the consumer information including the consumer number and the password as shown in FIG. A message is sent to the consumer's terminal 4 and a confirmation mail with the contents shown in FIG. 7 is sent to the consumer's terminal's email address.
Thereafter, the financial intermediation server 1 displays the initial screen on the consumer's terminal 4.
And an initial screen is displayed on the display of the consumer terminal 4. Note that the input is stopped by clicking the “quit” switch in the input screen, and the initial screen is displayed on the display of the consumer terminal 4 as described above.

[Bid] When a financing company seeks a consumer to provide a loan, by selecting the "bid" menu on the initial screen, a list of consumers who want to borrow from the financial intermediation server after authentication is displayed. By designating a consumer based on the list, the consumer can be informed that he or she intends to lend, and when making this bid, the financial intermediation server 1 executes the processing shown in FIG. I do.

That is, when the user logs in to the financial intermediary server 1 from the terminal 3 of the financial institution and selects the “bid” menu from the initial screen, the authentication input screen (not shown) sent from the financial intermediary server 1 Since the information is displayed on the display of the terminal 3 of the trader, the financial trader inputs the ID number and the password already given from the keyboard or the like of the terminal 3 so that the ID number and the password are input to the financial intermediation server. 1, the financial intermediation server 1 confirms the ID number and the password based on the authentication information stored in the trader database, and displays the condition input screen shown in FIG. To
The information is displayed on the display of the terminal 3 of the financial institution. Note that the authentication means is constituted by a program for performing the authentication processing, and it is also possible to set a charging processing mode so that the financial institution is charged when the authentication is performed in this manner.

On the condition input screen, it is possible to input conditions such as "a day the consumer wants to borrow", "consumer's district" and "amount to borrow". Is input, and by operating the "OK" switch displayed on the screen, the condition information (an example of request information) is sent from the terminal 3 of the financial institution to the financial intermediation server 1, and the financial intermediation server 1 Consumers meeting this condition are extracted from the consumer database, and the basic information of the consumers is listed and sent to the terminal 3 of the financial company as list information. The list information sent in this manner is stored in the terminal 3 of the financial institution.
Are displayed as shown in FIG.

When the financing company designates one consumer from the list information, the designated information (an example of request information) is sent from the financing company terminal 3 to the financial intermediation server 1, and the financial intermediation server 1 Sends detailed consumer information (basically, level 1 and level 2 consumer information) specified as described above to the terminal 3 of the financial institution (an example of an inquiry process).
As shown in FIG. 11, the detailed information of the consumer includes contents such as “consumer number”, “desired amount”, and “number of traders' bids”. In particular, since the "number of bidders" is the number of bids made by other financiers, that is, the number indicating that there is a willingness to make a loan, it can be referred to for screening as reliable information. A program for displaying the number of bids as a numerical value constitutes the number-of-bids display means.

When the detailed information of the consumer is sent in this way, the financier makes an independent examination based on the detailed information of the consumer and intends to provide a loan to the consumer. If there is, you can operate the "Bid" button on the screen, and if you want to check the detailed information of the next consumer in the list information, just operate the "Next consumer" button , If you want to check the detailed information of the consumer before the listing information, just operate the "Previous Consumer" button,
To return to the state in which the list information is displayed, "Back"
All you have to do is operate the button.

When the "bid" button is operated, bid information (financing available information) is sent from the terminal 3 of the financial institution.
Is sent to the financial intermediation server 1, and based on the bid information, the financial intermediation server 1 increments (+1) the number of bids in the consumer database, and receives a bid using the bid information shown in FIG. 12 as an e-mail. The bidding information (treated as billing information) is sent to the mail address of the management terminal 2 as an e-mail to the e-mail address of the consumer terminal 4, and the bidding completion shown in FIG. Perform processing to send information. or,
The initial value of the number of bids in the consumer database is “0”, and when this number of bids is incremented (+1), the next time the list information is displayed, the number of bids for that consumer is only one. It will be an increased value.

In this process, the flow of main information can be schematically shown as shown in FIG. When the bidding is performed in this manner, the consumer can directly negotiate with the financing company based on the contents of the e-mail, make a contract, and receive a loan. Also, when e-mails are sent from a plurality of financiers, it is possible for a consumer to negotiate with a plurality of financiers and borrow from a provider that presents good conditions. In particular, the person who manages this system can charge the financing company based on the e-mail of the bid information sent to the management terminal 2, so that profits corresponding to the results of the mediation are obtained. When this billing is performed, processing such as mailing the bill and debiting the bill from the bank account of the financial institution is performed.

[Erase of Consumer Information] In this financial intermediary system, as described above, a consumer who has registered consumer information from the menu of “new registration of consumer information” deletes the consumer information. It is also possible to perform the deletion, and when performing the deletion, it is necessary to select a menu of “deletion of consumer information” on the initial screen. When this menu is selected, the financial intermediation server 1 performs the processing shown in FIG.

That is, the user logs in to the financial intermediation server 1 from the terminal 4 of the consumer, and selects the "delete consumer information" menu from the initial screen. When the selection is made in this manner, an authentication screen (not shown) sent from the financial intermediation server 1 is displayed. As described above, the consumer inputs the ID number and the password given by the e-mail and the display on the display on the authentication screen, and sends them to the financial intermediation server 1, whereby the financial intermediation server 1 The ID number and the password are confirmed based on the authentication information stored in the database, and if appropriate, the contents of the erasure are displayed, and a message “Do you want to erase the display contents” is displayed. When the erasure is performed, the confirmation information is sent to the financial intermediation server 1 by performing a predetermined confirmation operation, and the financial intermediation server 1 deletes the consumer information from the consumer database and deletes the erased data. The information is sent as an e-mail to the e-mail address of the management terminal 2, and character information such as “erased” is sent to the consumer terminal 4 as information indicating that the information has been erased. To have.

[Participant List Display] A person who logs in to the financial intermediation server 1 can also browse the financial intermediaries brokered by the financial intermediation server 1, and when browsing, an initial screen is displayed. By selecting the "list of participating companies" menu, the financial intermediation server 1 performs the processing shown in FIG.

That is, the user logs in to the financial intermediation server 1 from the terminal, and selects the "list of participating companies" menu on the initial screen. When the selection is made in this manner, a condition input screen (not shown) for inputting a district name indicating the location of the trader is sent from the financial intermediation server 1 and displayed on the display of the terminal. Enter the district name based on this display,
By performing a predetermined operation, the financial intermediation server 1 receives the condition information, and based on this, the financial intermediation server 1
Extracts vendors from the vendor database, sends the extracted vendor listing information to the terminal, and displays the vendor name, vendor address, and vendor telephone number on the terminal display.
A list such as "URL of trader's homepage" is displayed.

[Billboard] When a financial manager writes information on the bulletin board or browses information on the bulletin board, the bulletin board menu on the initial screen is selected, so that the bulletin board is displayed after authentication. The user is allowed to write information on the bulletin board and browse information on the bulletin board, and the financial intermediation server 1 performs the processing shown in FIG.

That is, when the user logs in to the financial intermediary server 1 from the terminal 3 of the financial institution and selects the “bulletin board” menu from the initial screen, the authentication input screen (not shown) sent from the financial intermediary server 1 Since the information is displayed on the display of the terminal 3 of the trader, the financial trader inputs the ID number and the password already given from the keyboard or the like of the terminal 3 so that the ID number and the password are input to the financial intermediation server. 1, the financial intermediation server 1 confirms the ID number and the password based on the authentication information stored in the trader database, and sends the bulletin board information to the terminal 3 of the financial trader if appropriate, The information is displayed on the display of the terminal 3 of the financial institution.

After the process of displaying the bulletin board is performed in this manner, the financier can write (store) any information and browse the information on the bulletin board. Then, for example, the information of the individual who has failed to repay is written on the bulletin board so that even if the individual wishes to borrow from another financial company at a later date, the bulletin board can be viewed. By doing so, it is possible to assist the individual's examination. Also, this bulletin board can transmit information between financiers and mediate for seeking information from other financiers.

As described above, the bulletin board not only enables the exchange of information of the financiers, but also increases the number of times and the time required for the financiers to connect to the financial intermediation server 1, and provides an opportunity for the financiers to contact the information of the borrower. Is increased to increase the number of cases that the financial mediation server 1 mediates.

[Description of the Invention of the Method] If the concept of the financial intermediation system described above is regarded as the invention of the method, it can be explained as a financial intermediation method shown in the flowchart of FIG. This financial intermediation method is substantially the same as the method of processing performed in the financial intermediation server.

That is, in this financial intermediation method, first, consumer information is obtained via the Internet as communication means and is converted into a database to form a database. Next, the basic information of the consumer meeting the conditions required by the authenticated financier is extracted from the database and disclosed to the financier via the Internet. When the financing company designates this disclosure, the detailed information of the designated consumer is disclosed to the financing company via the Internet, and a billing process is performed. Then, based on the consumer information disclosed in this way, the financing company conducts a screening and determines that financing is possible. If this determination result is sent via the Internet, the financing available The company information will be delivered to consumers via the Internet.

As described above, according to the present invention, from the viewpoint of a borrower (consumer), a terminal connected to the Internet N logs in to the financial intermediation server 1, and the borrower desired by the borrower according to the display is displayed. Just enter the conditions and personal information and send it to the financial intermediation server 1. If there is a financing company that provides a loan that meets the demands of the borrower, an e-mail will be sent from the financing company. If you receive an email from a vendor,
It becomes possible to contract with the financial company of the mail.
In addition, since the financial intermediary server 1 excludes financiers that have not been authorized by the prefecture, there is no need for illegal interest exceeding legal interest.

In addition, from the viewpoint of a financial trader, the present invention performs procedures such as concluding a contract with a person or company managing the financial intermediation server 1 in advance, obtains an ID number and a password, and Terminal 3 connected to N
By logging in to the financial intermediation server 1 and authenticating with the ID number and the password, and inputting the conditions of the financing consumer, a list of consumers meeting the conditions is sent. By specifying the consumer information in, the detailed information of the specified consumer is displayed on the display and the screening can be performed, and as a result of this screening, if it is determined that lending is possible, it will be displayed on the display 'Bid' done
By simply operating the button, consumers can be notified that a loan is possible without the hassle of sending mail, reducing the cost of financiers for sales activities and advertising. However, it is possible to seek a wide range of borrowers.

Also, according to the present invention, from the standpoint of a person or company managing the financial intermediation server 1, only by properly managing this system, every time a financial institution bids, a profit corresponding to the bid is obtained. Thus, it is possible to obtain high profits without requiring a lot of manpower.
In particular, from the viewpoint of profitability, it is conceivable that a basic fee will be collected on a monthly basis from a contracted financing company, and that billing will be performed every time detailed information of a single consumer is displayed. You can also expect.

[Other Embodiments] In addition to the above embodiment, the present invention provides, for example, an inquiry software for displaying the address of the owner of a telephone number based on the input of the telephone number. Install it for 1
It is possible to configure the system such that when the financier displays the detailed information of the consumer, the inquiry software is activated and the inquiry of the consumer is performed based on the telephone number. It is also possible to perform a highly reliable examination by linking the examination company that performs the examination of the individual via the Internet N.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a financial intermediation system.

FIG. 2 is a diagram showing an initial screen.

FIG. 3 is a diagram showing a flow of information when newly registering consumer information.

FIG. 4 is a diagram showing an input screen at the time of new registration of consumer information.

FIG. 5 is a diagram showing an input screen at the time of new registration of consumer information.

FIG. 6 is a diagram showing the contents of an e-mail sent when new registration of consumer information is completed.

FIG. 7 is a diagram showing a screen when new registration of consumer information is completed.

FIG. 8 is a diagram showing a flow of information at the time of bidding.

FIG. 9 is a diagram showing a condition input screen.

FIG. 10 is a diagram showing a list of consumers displayed on a screen.

FIG. 11 is a diagram showing detailed consumer information displayed on a screen.

FIG. 12 is a diagram showing the contents of a mail of bid information sent to consumers.

FIG. 13 is a diagram showing contents displayed on a screen when a bid is completed.

FIG. 14 is a diagram showing a flow of information when erasing consumer information.

FIG. 15 is a diagram showing a flow of information when displaying a participant;

FIG. 16 is a diagram showing a flow of information when accessing a bulletin board;

FIG. 17 is a diagram showing a control flow of a financial intermediation method.

FIG. 18 is a schematic diagram showing a flow of information of a basic configuration of the present invention.

FIG. 19 is a schematic diagram showing a flow of information in a system assumed as a conventional technique.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Financial intermediation server 3 Terminal of financial agent 4 Terminal of borrower N Communication network

Claims (7)

[Claims] A financial intermediation server connected to a communication network, the financial intermediation server performs database processing for storing information sent from a terminal of a borrower who wants to connect to the communication network in a database, and Performing an inquiry process of delivering detailed information of a borrower who is extracted from the database to the terminal of the financing company based on request information from the terminal of the financing company connected to the communication network, and borrowing from the terminal of the financing company A financial intermediary system configured to receive financing-possible information designating an applicant and to perform a delivery process of distributing financing-possible information to a terminal of the borrower as a delivery destination. 2. The request information comprises condition information for selecting a borrower and designation information for specifying a specific borrower, and the inquiry processing is performed by a financing company connected to a communication network. A process of delivering a list including outline information of borrowing applicants extracted from the database based on the condition information sent from the terminal to the financing company, and specifying the borrowing applicant in the list from the financing company's terminal 2. A process according to claim 1, further comprising the step of: reading out information of a level at which an individual cannot be specified from the detailed information of the borrower designated based on the designated information to be transmitted from the database and delivering it to the terminal of the financial institution. Mediation system. 3. The financial intermediation server requests the financial institution to input identification information prior to the delivery of the detailed information, and delivers the detailed information only when valid identification information is input. 3. The financial intermediation system according to claim 1, further comprising an authentication means for permitting. 4. The system according to claim 1, wherein when the inquiry processing is performed or when the financing-possible information is delivered, processing for enabling charging to the financing company is performed. The financial intermediary system described. 5. When the financing available information is delivered to the terminal of a borrower by the delivery process, the financial server is provided with a bid number display means for clarifying information of the delivered number on the financial server side. The financial intermediation system according to claim 1. 6. The financial intermediation server according to claim 1, wherein the financial intermediation server is configured to perform a posting process of storing personal information sent from a financial institution in a state where the personal information can be viewed by another financial institution. 2. The financial intermediation system according to claim 1. 7. A storage step for storing information sent from a borrower via a communication network, and information on the borrower stored in the storage step based on request information sent from a financing company via a communication network. Extracting and delivering the financing company to the financier via the communication network; and financing available information transmitted from the financing company via the communication network in response to the borrower information thus queried, Delivering to a borrower via a communication network.