JP2002279179A - Financing agreement support method and system and program for supporting financing agreement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To automatically assess the asset value of individual assets as collateral security for collateralized financing. SOLUTION: This financing agreement support system 1 supports a financing agreement for the owner of individual assets by using an asset information database 11 storing asset information, including individual asset identification information for identifying the individual assets of the owner, and information related to the asset value of the individual assets. The system has a Web server 7 with a receiving means for receiving the identification information of the owner and loan application information including a desired loan amount and the individual asset identification information, transmitted via a communication terminal 20 usable by the owner, a reading means for reading the corresponding asset information from the asset information database 11 according to the individual asset identification information included in the loan application information received, and a generating means for assessing the hypothetic value of the corresponding assets according to the asset information read and for automatically generating, based on assessment result data, financing agreement information including at least one of information indicating whether or not the desired loan amount can be financed, information indicating the loan amount that can be financed, and information indicating financing requirements.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a loan contract support method and system for supporting a loan contract between an owner of a personal asset and a financial institution secured by the personal asset. Regarding support programs.

[0002]

2. Description of the Related Art When a financial institution applies for a loan with its personal assets as collateral, the owner of the personal assets is required to provide personal information (address, name, work place, etc.) and loan information (financing purpose). , The loan amount), etc., to the financial institution at the window of the financial institution or at a loan information site opened by the financial institution on the Internet to apply for a loan.

[0003] At this time, in the case of secured financing secured by personal assets, the personal asset owner must provide necessary documents (for example, real estate such as land and buildings, movables of precious metals and the like) (for example, land and buildings). Documents related to the value of the property, such as land and buildings, registry books, and precious metals, such as appraisal documents; however, in the case of movable property, including the movable property itself), be sure to provide the lending officer at the counter of the financial institution. After submitting the loan, the loan officer confirms the collateral and reviews it, referring to the required documents, and gives the results of the examination (acceptance of loan, loan conditions, etc.) and the loan application form (loan contract) to the individual. Mailed to asset owners.

[0004]

Conventionally, however, as described above, when making a secured loan with personal assets as collateral, the individual asset owner always goes to the window of the financial institution and Documents to identify the assets had to be submitted, which was very inconvenient for individual asset owners.

Further, on the financial institution side, since the loan officer must perform the work of confirming personal assets by human action, it is extremely troublesome, and there has been a strong demand for more efficient secured loan business. .

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and automatically evaluates the asset value of a personal asset as a collateral when making a secured loan, thereby reducing the time and effort of the individual asset owner. The objective is to improve the efficiency of secured financing operations on the financial institution side while keeping it to a minimum.

[0007]

According to a first aspect of the present invention, there is provided a personal asset identification information for identifying a personal asset of a personal asset owner and an asset value of the personal asset. A loan contract support system that supports a loan contract for the individual asset owner by using an asset information database that stores asset information including information related to the personal asset owner, wherein a communication terminal that can be used by the individual asset owner is provided. Receiving means for receiving the loan application information including the identification information of the personal asset owner, the desired loan amount and the personal asset identification information transmitted through the personal asset owner, and the asset based on the personal asset identification information in the received loan application information. Means for reading the corresponding asset information from the information database, and assessing the collateral value of the corresponding asset based on the read asset information, based on the assessment result data Generating means for automatically generating information for prompting a loan contract including at least one of information indicating whether or not the desired loan amount can be loaned, information indicating a possible loan amount, and information indicating loan conditions. I have.

According to a second aspect of the present invention, there is provided a personal asset identification information for identifying a personal asset of a personal asset owner and information relating to the asset value of the personal asset. A program for supporting a loan contract for the personal asset owner by using an asset information database storing asset information including: a computer, via a communication terminal available to the personal asset owner Receiving means for receiving the transmitted loan application information including the identification information of the personal asset owner, the desired loan amount and the personal asset identification information; and the asset information database based on the personal asset identification information in the received loan application information. Means for reading the corresponding asset information from the server, and assessing the collateral value of the corresponding asset based on the read asset information, based on the assessment result data. Generating means for automatically generating information prompting for a loan contract including at least one of information indicating whether or not the desired loan amount can be provided, information indicating a possible loan amount, and information indicating loan conditions. To be realized.

Further, in order to achieve the above-mentioned object,
According to the third aspect of the present invention, an asset information database is used that stores asset information including personal asset identification information for identifying a personal asset of a personal asset owner and information related to the asset value of the personal asset. A loan contract supporting method using a computer for supporting a loan contract for the personal asset owner, wherein the personal asset owner is transmitted through a communication terminal available for identification of the personal asset owner. Receiving the loan application information including the information, the desired loan amount and the personal asset identification information, and reading the corresponding asset information from the asset information database based on the personal asset identification information in the received loan application information,
Based on the read asset information, the collateral value of the corresponding asset is assessed, and based on the assessment result data, information indicating whether or not the desired loan amount can be loaned, information indicating the possible loan amount, and information indicating the loan conditions are included. Automatically determining financing information including at least one piece of information.

[0010]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of a loan contract support method and system and a loan contract support program according to the present invention will be described with reference to the drawings.

FIG. 1 is a diagram showing the overall configuration of a loan contract system 1 according to an embodiment of the present invention.

As shown in FIG. 1, in a loan contract support system 1, a financial institution 2 uses the Internet @ TCP / IP, H
TTP (Hyper Text Link Trans)
former Protocol), SSL (Secu)
This is a system including a Web site system that provides a service for supporting a loan contract built on a collection of networks # 3 linked to each other based on a protocol such as re Socket Layer.

That is, the loan contract support system 1 includes a communication I / F for routing processing and security maintenance on the Internet 3 such as a router and a firewall.
H, which can communicate with the communication I / F 5 and can be browsed through browsing software (Web browser).
HTML (Hyper Text Makeu) for storing a TML file {a plurality of Web pages for browsing}
p Language) W equipped with a database
and an eb server (computer) 7.
The eb server 7 has a predetermined URL (Uniform Re
sourceLocator).

The HTML file stores in advance a loan application screen data (Web page) I1 in HTML format in which a loan applicant can input loan application information.

In addition, the loan contract support system 1 provides a pattern of asset contents {for example, in the case of real estate (land),
Land, address, area, location (corner, etc.), neighborhood relations, etc. In the case of personal property (jewelry), type, number of carats, etc., and security such as pledge and mortgage for each asset content pattern Asset assessment and loan condition setting database (DB) 8 that stores in a table the amount of money that can be loaned when the physical right is set and the loan conditions such as interest rates in that case, and a server processing program P1 of the Web server 7 And a memory 9 for holding a Web browser B for browsing HTML files on the Internet 3.

Then, the Web server 7 of the financial institution 2
An encryption key for information encryption of the financial institution 2 is disclosed in advance, and a decryption key for decrypting the encrypted information is held in a secret state in the server as a secret key.

In this embodiment, a Web server (asset management Web) including an asset information database 11 in HTML format is provided on the Internet 3 by, for example, an asset management organization 10 that has been authorized in the country such as a public organization. As shown in FIG. 2, the asset information database 11 includes a personal asset ID for personal asset identification uniquely set for each personal asset owned by a personal asset owner, Asset information of the personal asset itself, that is,
Information indicating the relationship of the rights of the corresponding personal asset, such as the asset content, whether or not a security right has been set, and whether or not a lease right has been set, are stored in association with each other. This personal asset ID is sent to the personal asset owner in a state where the information is kept secret, for example, via an electromagnetic storage medium or the like.

On the other hand, the owner of the personal asset
For example, a communication terminal 20 equipped with the browser B, such as a personal computer, a mobile phone, a PDA, a wearable computer, or an information home appliance, can be used.

This communication terminal 20, as shown in FIG.
A communication I / F 21 for communicating with the Internet 3 via a public line such as a telephone line or ISDN via a provider or the like, a memory 22 holding a Web browser B and another processing program P2, A computer 23 that operates according to the Web browser B and the program P2 stored in the memory 22, a display 24 for displaying data such as a Web page obtained by the processing of the computer 23, and an operation performed by the asset owner. An input unit 25 having a function of selecting and specifying a component on data displayed on the display 24 via a cursor and a function of inputting character data by a GUI function are provided.

Next, the overall operation of this embodiment will be described.

When the asset owner wants to receive a loan from the financial institution 2 using the personal assets registered in the asset management institution 10 as collateral, the input unit 2 of the available communication terminal 20 is used.
5 to start Web browser B, and
Input the URL of the loan support Web site constructed on the Internet 3, and the communication I / F 21 is processed by the computer 23 based on the Web browser B.
Then, the Web server 7 is accessed via the Internet 3 (FIG. 3; step S1).

At this time, the Web server 7 reads out the loan application screen data I1 from the HTML file in its own server and downloads it to the communication terminal 20 (step S).
2).

The computer 23 of the communication terminal 20 has a We
b By the processing based on the browser B, the downloaded loan application screen data I1 is received and the display 2
4 (step S3).

FIG. 4 is a view showing a loan application screen I1 displayed on the display 24. As shown in FIG. 4, an area AR1 for selecting and inputting a loan purpose by a pull-down menu method and a loan amount are input. Area AR to do
2 and areas AR3, AR4, AR5 for inputting personal information (name, address, work place, annual income, etc.), respectively.
And AR6 and areas AR7 and AR8 for setting and inputting a personal ID and a password as authentication information.
And an area AR9 for inputting a personal asset ID are displayed.

At this time, the asset owner operates the input unit 25 to set and input each of the areas AR1 to AR8. Further, the asset owner registers, for example, a plurality of personal assets in the asset management institution 10. In this case, the personal asset ID of the personal asset whose security right is desired to be set is input to AR9 and the transmission button B is clicked. If you want to cancel all, click the cancel button C.

At this time, in response to clicking the send button B, the computer 23 encrypts the personal asset ID input to the AR 9 with the public key of the financial institution 2 based on the Web browser B, and stores it in the AR 1 to AR 8 respectively. The entered input data and the encrypted personal asset ID are transmitted to the Web server 7 as loan application information (step S).
4).

The Web server 7 operates in accordance with the program P1, registers the transmitted loan application information in the memory 9 (step S5), and decrypts the encrypted personal asset ID using the private key of the financial institution 2. Based on the decrypted personal asset ID and Web browser B, access the asset information database 11 of the Web server 12 via the Internet 3 and acquire the asset information corresponding to the personal asset ID (Step S6).

At this time, since the asset information database 11 contains the asset information necessary for the security value assessment corresponding to the personal asset ID, the content of the asset, and information indicating the right relationship to the asset, the Web server 7 , The asset information can be obtained.

Next, the Web server 7 refers to the asset assessment / financing condition setting DB 8 based on the acquired asset information, and obtains the financing amount information and the financing condition information corresponding to the asset content pattern corresponding to the asset information. By acquiring the information, the collateral value of the personal asset corresponding to the personal asset ID is assessed, and based on the assessment result data, the input personal information (particularly, work place, annual income, etc.) and the loan information, Information that prompts for a loan contract including a loanable amount and a loan condition (interest rate, etc.) is automatically generated (step S7).

Subsequently, the Web server 7 creates a browsing Web page I2 for the information prompting the loan contract based on the generated information prompting the loan contract, and stores the created Web page I2 in an HTML file. That We
Download page b2 to communication terminal 20 (step S8).

The computer 23 of the communication terminal 20 has a We
By the process based on the b browser B, the downloaded information browsing Web page I2 for prompting the loan contract is received and displayed on the display 24 (step S9).

For example, FIG. 5 shows the information browsing We displayed on the display 24 for prompting a loan contract when a loan is possible.
FIG. 6 is a diagram showing page b2, and as shown in FIG. 5, a financing amount, financing conditions, and the like are displayed.

At this time, if the asset owner is satisfied with the financing amount and the financing conditions displayed on the information browsing Web page I2 prompting the financing contract, and applies for the financing contract with the contents, the application is made. If button A is clicked and the displayed content does not apply for a loan contract, click cancel button C.

For example, when the asset owner clicks the application button A to apply for a loan contract with the contents displayed on the Web page I2, the computer 23 transmits the loan contract application information to the communication I / F 21. , To the Web server 7 via the Internet 3 or the like (step S10).

The Web server 7 receives the transmitted loan contract application and, based on the received loan contract application information, performs a process for concluding a loan contract including human-based processes based on the assistance of the Web server 7. Perform (Step S1
1).

That is, the loan officer on the Web server side sends information for explaining the loan contract to the asset owner by telephone, for example, or writes the information for explaining the loan contract to an electromagnetic storage medium. The personal asset owner registers the personal asset ID if there is no problem in the contract contents. In addition,
At this time, if a guarantor is required, the guarantor also includes the guarantor's personal information and personal asset ID.

Next, after the personal asset (the collateral is confirmed and the collateral right (mortgage, pledge) is set for the corresponding personal asset by the human system, the Web server 7
Accesses the asset information DB 11 of the Web server 12 based on the personal asset ID, and
Updates the information that indicates the right relationship to "with security right set",
(Step S12) After the setting is completed, a contract and a collateral right setting completion notice are mailed to the address of the asset owner (Step S13).

The asset owner receives the mailed contract and the notice of completion of the setting of the collateral right (step S14), and uses the received contract and the notice of completion of the setting of the collateral right to formalize a loan contract with the financial institution 2. By concluding the agreement, it is possible to receive a loan from the financial institution 2 in accordance with the loan content confirmed on the Web page I2.

As described above, according to the present embodiment,
By using the asset information database 11 in which the asset information including information indicating the asset content and the right relationship of the individual asset and the individual asset ID are associated, the loan applicant (individual asset owner) using the individual asset ID as a key The security information can be automatically assessed by acquiring the asset information of the individual asset.

Therefore, when receiving a secured loan secured by personal assets, the individual asset owner can specify the personal assets to be secured by the financial institution 2 and the collateral value without going to the window of the financial institution 2. An assessment can be made, and the burden on the secured loan of the individual asset owner can be suppressed to the minimum necessary, and the satisfaction can be improved.

Further, according to this embodiment, the financial institution 2 evaluates the collateral value of the personal asset designated as collateral without actually moving the collateral-related documents such as a house map. Since it can be performed automatically without confirmation, the secured financing operation on the financial institution 2 side can be made more efficient.

Further, in this embodiment, it is possible to centrally manage the security setting information for the personal asset of the personal asset owner based on the personal asset ID.

In this embodiment, the financial institution 2 constructs the loan contract support system 1 (Web site) on the Internet 3, but another service company constructs it and performs only the assessment and the contract on the financial institution side. Such a configuration is also possible.

In this embodiment, the Web server 7 corresponding to the loan contract support system 1 is constructed on the Internet 3, but the present invention is not limited to this, and the server corresponding to the Web server The terminal is connected to a public line such as a line, and in response to access from the communication terminal 20 to the server via the public line, a loan contract support process is executed to provide loan contract support information such as information for prompting a loan contract. A configuration for downloading to the communication terminal 20 is also possible.

[0045]

As described above, according to the loan contract support method and system and the loan contract support program according to the present invention, personal asset identification information for identifying a personal asset of a personal asset owner and the individual By using an asset information database that stores asset information including information related to the asset value of the asset, the corresponding personal asset is identified by the personal asset identification information transmitted from the communication terminal,
Since the asset value of the personal asset can be automatically assessed, the secured financing business on the financial institution side can be made more efficient while minimizing the trouble of the individual asset owner.

[Brief description of the drawings]

FIG. 1 is a diagram showing an overall configuration of a loan contract system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a data storage structure of the asset information database shown in FIG.

FIG. 3 is an exemplary flowchart showing an example of processing of the loan contract system and the communication terminal according to the embodiment;

FIG. 4 is a view showing a loan application screen displayed on a display of the communication terminal shown in FIG. 1;

FIG. 5 is a diagram showing a screen for prompting a loan contract displayed on the display of the communication terminal shown in FIG. 1;

FIG. 6 is an exemplary flowchart showing an example of processing of the loan contract system and the communication terminal according to the embodiment;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Loan contract support system 2 Financial institution 3 Internet 5, 21 Communication I / F 7 Web server 8 Asset assessment / financing condition setting DB 10 Asset management institution 11 Asset information database 20 Communication terminal 23 Computer 24 Display 25 Input unit B Web Browser P1, P2 Program

Claims (5)

[Claims] 1. The personal asset owner using an asset information database that stores personal asset identification information for identifying a personal asset of the personal asset owner and asset information including information related to the asset value of the personal asset. A loan contract support system for supporting a loan contract for a personal asset owner, the identification information including the identification information of the personal asset owner, a desired loan amount, and personal asset identification information transmitted through a communication terminal available to the personal asset owner. Receiving means for receiving the loan application information; means for reading the corresponding asset information from the asset information database based on the personal asset identification information in the received loan application information; and receiving the corresponding asset based on the read asset information. The collateral value is assessed, and based on the assessment result data, information indicating whether or not the desired loan amount can be provided, information indicating a possible loan amount, and a loan condition. Loan contract support system characterized by comprising a generating means for automatically generating information prompting the financing arrangements comprising at least one information among the information representative of the. 2. The loan contract support system according to claim 1, wherein the identification information of the personal asset owner includes personal information including work information and income of the personal asset owner. The information related to the value includes information representing the content of the personal asset and a right relationship related to the personal asset. The financing information determining means includes: a content of the personal asset, information representing the right relationship, and the personal asset. A loan contract support system comprising means for automatically generating information urging the loan contract by integrating the owner's own personal information. 3. The loan contract support system according to claim 1, wherein the communication terminal is communicable by connecting to the Internet via a communication line, and the communication terminal is capable of browsing files on the Internet. The asset information database is a database in a format that can be browsed on the Internet, and the receiving unit and the generating unit function as a function on a Web server constructed on the Internet. The Web server generates a Web page for browsing the information prompting the loan contract generated by the generation unit, and transmits the generated information browsing Web page prompting the generated loan contract to the communication terminal. The communication terminal has a browsing function of the Web browser. Loan contract support system, characterized in that the downloaded encourage the financing agreement has been information browsing Web page had the means to be displayed on the display of the terminal. 4. The personal asset owner using an asset information database that stores personal asset identification information for identifying a personal asset of the personal asset owner and information relating to the asset value of the personal asset. A program for supporting a loan contract for the personal asset owner, identification information of the personal asset owner, a desired loan amount and personal asset identification information transmitted to a computer through a communication terminal available to the personal asset owner Receiving means for receiving loan application information including: a means for reading corresponding asset information from the asset information database based on personal asset identification information in the received loan application information; and a means for reading based on the read asset information. Assess the collateral value of the asset, and based on the assessment result data, information indicating whether or not the desired loan amount can be loaned, and information indicating the possible loan amount Loan support program, characterized in that to realize the generating means as a function of automatically generating the information for prompting the financing arrangements comprising at least one information among the information indicating the pre-loan terms. 5. The personal asset owner using an asset information database that stores personal asset identification information for identifying a personal asset of the personal asset owner and asset information including information related to the asset value of the personal asset. A loan contract support method using a computer for supporting a loan contract for the personal asset owner, the identification information of the personal asset owner transmitted via a communication terminal that can be used by the personal asset owner, a desired loan amount, and Receiving the loan application information including the personal asset identification information, reading the corresponding asset information from the asset information database based on the personal asset identification information in the received loan application information, The collateral value of the corresponding asset is assessed based on the assessment result data. Financing arrangements supporting method using a computer comprising the steps of automatically determining the lending information including at least one information among the information representing the information representing the amount and loan terms.