JP2002358420A - Loan contract system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To shorten the time for authentication processing for a user by an automatic contract machine. SOLUTION: Image data of an identification card and face photograph data are sent to a loan company from a communication terminal such as a portable telephone in advance and then not only credit processing, but also the confirmation of whether or not the contents of personal information shows the user itself can be performed in advance to eliminate the need to read the identification card and take a photograph of the face and then shorten the time for reception processing by the automatic contract machine and a cash card of a bank account is read by the automatic contract machine and then payment by an automatic paying machine, etc., of the loan company becomes possible with the cash card of the bank account. Further, account information on the bank account that the user already has and a password for requesting transfer are registered by the automatic contract machine and the account number, password code, and the amount of money to be loaned are sent thereafter to the loan company form the communication terminal such as the portable telephone and the loan company transfers the money to the specific bank account and an automatic paying machine of the bank can pay.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic contract machine for performing operations in accordance with operation guidance on a screen, performing processes such as identity authentication, credit and contract, and issuing a card after a contract is established, and inserting the card. Accordingly, in a loan contract system including an automatic dispensing machine for borrowing a loan, the present invention relates to improvement in user convenience such as shortening of processing time.

[0002]

2. Description of the Related Art As a prior art relating to the present invention, Japanese Patent Application Laid-Open No. H10-25494 discloses a method for shortening the processing time by a processing method inside a contract machine.
As described in Japanese Patent No. 162055, there is a device that transmits only personal information in advance by using a dedicated terminal to shorten the processing time. However, image data of an identification card such as a license and face photograph data of the user himself are used. There is no disclosure of a technique for transmitting in advance and further reducing the processing time. In addition, there is no feature in which a cash card of a bank account which a user has in advance can withdraw money from an automatic dispensing machine of a loan company or the like. Furthermore, with regard to borrowed money, there is no feature that a user can transfer money to a bank account that the user has in advance by using an automatic dispensing machine owned by the bank.

[0003]

In the above prior art, credit processing can be performed by transmitting personal information in advance, but since it is not possible to confirm whether the contents of the personal information belong to the user himself, The processing of reading identification cards such as driver's licenses and taking face photos is done by an automatic contract machine,
In an automatic contract machine, functions of reading an identification card such as a license and taking a photograph of a face are required. In addition, for the user, processing time for it occurs locally,
There was a problem that the time required for the contract was longer than necessary.

[0004] In addition, since a card issuance function is required in an automatic contract machine, processing time for issuing a card is required for a user. In addition, if the user does not have a plurality of cards, There was annoyance that it would not be.

[0005] Even if an automatic dispensing machine of a bank is near a user, there is a problem that a loan can be borrowed only from an automatic dispensing machine of a loan company (also referred to as consumer finance). . At present, loan borrowing from consumer finance is something that users want to back out, but according to the present invention, there is no need to have a card of a loan company, and it is possible to withdraw from a bank automatic teller machine, Such a psychological problem can be solved.

[0006]

In order to solve the above-mentioned problems,
By transmitting not only personal information from a mobile terminal such as a mobile phone but also image data and face photo data of an identification card such as a license to the loan company in advance, not only credit processing, but also personal information It is possible to confirm in advance whether the contents are the user itself, and it is no longer necessary to read the ID card such as a driver's license and take a photo of the face with an automatic contract machine. Can be shortened.

[0007] By reading the cash card of the bank account which the user has in advance by using the automatic contract machine, it is possible to withdraw the cash card of the bank account from the automatic dispensing machine of the loan company.

[0008] The account information of the bank account which the user has in advance and the personal identification number for the transfer request are registered with an automatic contract machine, and thereafter the account number, personal identification number and borrowed amount are transferred from a communication terminal such as a mobile phone to the loan company. By sending to, the loan company will make a transfer to the specified bank account,
Withdrawals can be made from the bank's automatic dispensing machine.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings. As a communication terminal for transmitting image data and face photo data of personal identification and identification cards such as a license to a consumer finance or loan company, a mobile phone equipped with a camera capable of acquiring images is taken as an example. explain. The transmission of personal information can also be performed by voice conversation with the operator, but in this example, it is assumed that the loan company has prepared an Internet homepage for mobile phones.

FIGS. 1 and 2 show an external view and a functional block diagram of an automatic contract machine managed or owned by a loan company. The automatic contract machine 200 has a display unit 201 for guiding a user's operation. And an input unit 202 such as a touch panel mounted so that an input area is overlapped thereon, a card reading unit 203 which the user has in advance and reads information of a bank card of a bank account managed by the bank, A contract reading unit 204 for reading a contract exchanged between the user and the loan company, a contract collection unit 205 for collecting a contract written by a user, a line unit 206 for communicating with the center, A control unit 208 including a microprocessor for controlling these and a storage unit for storing programs and the like.
And a power supply unit 207.

3 and 4 show an external view and a block diagram of an automatic dispensing machine for a loan company, that is, managed by the loan company.
This automatic dispensing machine 300 is issued under the control of a display unit 301 for guiding a user's operation, an input unit 302 such as a touch panel mounted so that an input area is overlapped thereon, and a loan company. Card reading unit 303 that reads a loan company exclusive card and a bank account cash card
And a statement issuing or passbook printing unit 304 for issuing a statement or passbook printing, and a bill dispensing unit 305 for dispensing cash.
And a coin dispensing unit 306, a line unit 307 for communicating with the center, and a control unit 309 including a storage unit for storing a microprocessor and a program for controlling these units.
And a power supply unit 308. Since the automatic dispensing machine 400 for banks managed or owned by the bank has substantially the same configuration and functions as the automatic dispensing machine 300 for these loan companies, a description thereof will be omitted. In addition, although an automatic dispensing machine has been described, it is needless to say that a deposit can be made by adding a depositing function.

The mobile phone 600 is independent of the image reading unit 601 in FIG. 5, but as a next-generation mobile phone, like a mobile phone with a built-in camera, captures and transmits images by operating buttons on the phone. May be able to do.

Hereinafter, a detailed description will be given based on the system configuration shown in FIG. The center 100 of the loan company can apply for a loan from the mobile phones 600 and 601 and receives image data and face photograph data of an identification card such as a license, and performs processing such as personal authentication and credit. Do. Further, the automatic contracting machine 200 and the automatic dispensing machine 300 (or the automatic dispensing machine 4).
00 (including the bank 50).
0) or directly, and it is possible to transfer a certain amount of money from a loan company to a bank account designated by a user. In other words, the automatic teller machine 400 of the bank is connected to the bank 500 via the communication line, and the loan is transferred to the designated bank account by the loan company, so that the user can withdraw from the bank account owned by the user. Becomes

In the loan contract system configured as described above, a process in which a user accepts a loan contract from the mobile phone 600 will be described in detail with reference to FIGS.

[0015] When the user connects to the Internet homepage of the loan company using the mobile phone 600, a guidance screen shown in FIG. 6 is displayed on the screen.
First, the mobile phone 600 displays a screen 700 having items of “service contents”, “loan acceptance”, and “transfer request” on the screen, and the user selects “loan acceptance” with a cursor or a button, and proceeds to the next step. . Next, the mobile phone 600 is "address"
A screen 701 having items such as “name”, “birth date”, “occupation”, and “telephone number” is displayed to prompt the user to input personal information. Next, the mobile phone 600 displays the input data of the user input according to the instruction on the screen 701 as a screen 702, and after inputting predetermined personal information, the user transmits the personal information.

Next, the mobile phone 600 displays a screen 703 to urge the user to request image data of the user's “face” and “identification card”. Next, according to the instructions on the screens 704 and 705, the user takes a picture of his / her own face with the camera 601 of the mobile phone 600 and transmits the picture.

Further, in accordance with the instructions on the screens 706 and 707, the user similarly takes a picture of his / her own identity card (such as a license) with the camera 601 of the mobile phone 600 and transmits it. Next, the mobile phone 600 displays a screen 708 to urge the examiner, specifically, the center 100 of the loan company, to accept the personal information and the like input in the above-described steps. The operation in is temporarily terminated.

The center 100 on the loan company side, after receiving the above-mentioned input by the user, that is, personal information and image data, performs personal authentication and credit, and examines whether or not loan lending is possible. After completion of the examination, the center 100 notifies the user's mobile phone 600 of the end of the examination and displays a screen 709. If the examination does not pass, a screen 713 is displayed, an inquiry destination for the examination result is displayed, a screen 712 is displayed, and the process ends.

On the other hand, if the credit company has passed the credit examination, a screen 710 is displayed to report the reason for the success of the examination, prompting the user to make a contract with the nearest automatic contract machine,
At that time, you will be asked to bring your bank card, bank account number, and seal.

Next, a screen 711 is displayed to inform the user of the "reception number". The receipt number identifies personal information of a user who has already passed the examination when making a contract with the automatic contract machine. Next, a screen 712 is displayed, and the mobile phone 600 is displayed.
Ends the loan acceptance process.

Next, the process of passing the examination in the loan acceptance process from the mobile phone 600 and making a loan contract with the automatic contract machine 200 will be described with reference to FIGS. still,
Although a picture of the character input area is not shown in the figure for convenience sake, it is assumed that a character input area actually exists and characters can be input from the input unit 202 of the automatic contract machine 200.

The automatic contracting machine 200 displays "company profile", "service contents" and "loan contract" on the display unit 201 as an initial screen.
Is displayed on the screen 800 having the following items. The user selects “loan contract” through the input unit 202. Next, the display unit 2
01 displays the screen 801 and prompts the input of the reception number. The user inputs the reception number shown on the screen 711 of the loan reception processing performed by the mobile phone 600 from the input unit 202.

The control unit 208 of the automatic contract machine 200 transmits the reception number input by the user to the center 100 via the line unit 207. The center 100 returns the personal information (information previously input using a mobile phone) corresponding to the reception number to the automatic contract machine 200, and displays the display unit 201.
Displays the personal information as a screen 802 and prompts the user to confirm.

If the confirmation by the user is not possible (NG), a screen 815 shown in FIG. 10 is displayed, an inquiry to the center is urged, and the processing is terminated. If the confirmation is OK (OK), a screen 803 is displayed, and the user is prompted to fill out and seal the contract and set the contract reading unit 204.

When the contract is set in the contract reading unit 204 and the contract set is pressed in the input unit 202, the contract reading unit 204 captures the image data, and the control unit 208 transmits the read information. The data is transmitted to the center 100 via the line unit 207.

In the center 100 operated by the loan company,
The contractor is checked for any omissions, and the completion of the check is returned to the automatic contractor 200. Thereafter, the display unit 201 displays the screen 804
Is displayed to urge the user to insert the contract into the contract collection unit 205. The user inserts the contract into the contract collection unit 205,
By pressing the contract collection in the input unit 202, the control unit 208 activates the contract collection unit 205 and collects the contract.

Next, the display unit 201 displays a screen 805 to prompt insertion of a bank card. The card reading unit 203 takes in the card information, and the control unit 208 reads this information and sends it to the center 100 via the line unit 207. The center 100 associates storage of card information with personal information. Next, a screen 806 is displayed on the display unit 201 to prompt the user to input a personal identification number. The user inputs a personal identification number through the input unit 202, and the control unit 208 reads this information and sends the information to the center 100 via the line unit 207.
Sent to. The center 100 associates the storage of the personal identification number with the personal information and the card information. Next, the display unit 201 displays a screen 807, and after confirming the password to the user, displays a screen 808 illustrated in FIG. 10 and the card reading unit 203 returns the card.

The display unit 201 of the automatic contract machine 200 has a screen 80 having items of "bank name", "branch name", and "account number".
9 is displayed to prompt for input of account information. User input unit 2
02, the account information is input, and the control unit 208 reads this information and transmits it to the center 100 via the line unit 207. The center 100 stores the account information and associates it with personal information, card information and a personal identification number, and is managed as a database. In this way, by associating the user's personal information, card information, course information, personal identification number, and the like with the loan company, the user can use the automatic machine 300 for a loan company or the automatic cash dispenser 400 for a bank to be described later. The requested withdrawal can be made using a bank cash card. In addition, the input of the personal identification number on the screen 806, the screen 8
In the example described above in which the user inputs a bank account in the bank account 09, when the bank card stores such information, the card reading unit 203 of the automatic teller machine 200 automatically reads the card information. These input operations may be omitted.

When the above registration is completed, the display unit 201 displays
A screen 810 is displayed, and the user is asked if he / she wants to transfer the borrowed money to the bank account. The borrowed money is substantially money borrowed by the user from a loan company (not a bank), and is described as an example of transferring the money to the bank account (the bank 500 in FIG. 5) of the user associated with the above. I do.

In the provision of the borrowing service on the screen 810, if the user selects “No”, the screen 8
14 is displayed, and the processing in the automatic contract machine 200 ends.
If "yes" is selected, a screen 811 is displayed, and the mobile phone 600 is used to prompt the user to input a personal identification number for certifying that he or she is the principal at the time of requesting the bank transfer of the borrowed money. The user inputs an arbitrary password through the input unit 202.
The password may be a password registered in a bank in the first place.

The control unit 208 reads the information on the input personal identification number and transmits it to the center 100 via the line unit 207. The center 100 also manages this information by adding it to a database. After that, the display unit 201 displays a screen 812 and confirms to the user about the personal identification number used at the time of bank transfer of the borrowed money. Next, a screen 813 is displayed,
Using the mobile phone 600 to access the homepage of the loan company and making a “transfer request”, that is, prompting a method of transferring the borrowed money to the bank, displaying a screen 814 and ending the processing in the automatic contract machine 200 .

Finally, a description will be given of a method in which the user uses the mobile phone 600 to transfer the borrowed money of the loan company to the user's own account, and a process of performing a “transfer request”. The user connects to the Internet homepage of the loan company using the mobile phone 600. The mobile phone 600 displays the screen 700 of FIG. 6 on the screen, and the user selects “transfer request” with the cursor and proceeds to the next step. In the above example, the user himself / herself connects to the homepage of the loan company using the mobile phone 600. However, the display showing the address of the homepage is displayed together with the screen 813 of FIG. Mobile phone 60 of the user from the loan company
0, and the user may automatically connect to the homepage by clicking the address.

When the user connects to the homepage of the loan company and selects “accept loan” on the screen 700 described above,
The mobile phone 600 displays a screen 714 in FIG. 7 and prompts for an account number, a password for a transfer request, and a borrowing amount, and then displays a screen 715, where the user performs input.

Next, the mobile phone 600 displays a screen 716 in FIG. 8 and prompts the user to confirm the entered account number, password, and borrowed amount. When the confirmation is made by the user, guidance indicating that the confirmation is being made by the loan company is displayed on the screen 717, while the mobile phone 600 transmits these data to the center 1 of the loan company.
00, the center 100 confirms the password for the account number. When the confirmation is completed, a screen 718 is displayed, indicating the date on which the borrowing desired by the user is to be transferred to the user's account at the bank 500, that is, the date on which the transfer is completed.

As described above, by performing the processing of transferring the borrowed money from the loan company to the bank account in advance, the borrowed money is transferred from the loan company (center 100) to the bank (center 500) on the date when the transfer is completed. Therefore, the user can pay out using the bank card from either the automatic dispensing machine 300 for a loan company or the automatic dispensing machine 400 for a bank. However, if the user is an automatic payment machine 3 for a loan company
When a user inserts a card into the dispensing machine 300, the user first inserts a card into the dispensing machine 300, and the information such as the account number stored in the card is first used for the center 10 of the loan company.
0, the center 100 preliminarily associates the card information, the account number, and the like, and connects to the center of the bank 500 based on the information. As a result, the automatic dispensing machine 300 for the loan company is directly connected to the center on the bank side, and the user can perform a dispensing operation from his / her own bank account online.

On the other hand, when the bank payout machine 400 withdraws the borrowed money transferred to the user's own account, the display unit 301 displays the amount of the borrowed money from the loan company existing in the user's account. By printing on the statement or the like with the display or printing unit 304, there is an effect that the user can recognize how much borrowed money from the loan company. Desirably, if the balance of the user existing in the bank account and the amount transferred from the loan company as borrowed money are separately displayed, the service is still provided to the user.

According to the present invention, by performing the above-described configuration and processing, it is possible to reduce the reception processing time, withdraw money from an automatic dispensing machine for a loan company using a bank cash card, and transfer a borrowed money to a bank account. This has the effect of providing a loan contract system that makes it possible. In the present invention, an example in which customer information is input in advance by a mobile phone has been described, but various terminals such as a personal computer or a PDA (portable terminal) (also referred to as a communication terminal in a broad sense of communication).
Even if the terminal is provided with a means for acquiring an image or has a built-in means, the data input related to credit of the present invention is achieved.

[0038]

According to the present invention, the number of users is increased by shortening the reception processing time associated with a contract. In addition, with a bank card, you can withdraw money from the automatic dispensing machine of the loan company. Further, by transferring the borrowed money from the loan company to the bank account, the convenience of the user is improved.

[Brief description of the drawings]

FIG. 1 is an external view of an automatic contract machine.

FIG. 2 is a functional block diagram of an automatic contract machine.

FIG. 3 is an external configuration diagram of an automatic dispensing machine.

FIG. 4 is a functional block diagram of the automatic dispensing machine.

FIG. 5 is a system configuration diagram of the present invention.

FIG. 6 is a guidance screen for a mobile phone.

FIG. 7: Guidance screen for mobile phone

FIG. 8: Guidance screen for mobile phone

FIG. 9: Guidance screen of automatic contract machine

FIG. 10: Guidance screen of automatic contract machine

[Explanation of symbols]

100: Loan company center, 200: Automatic contract machine, 20
1-208: Name of each part of automatic contract machine, 300: Automatic dispensing machine for loan company, 310-309: Name of each part of automatic dispensing machine, 400: Automatic dispensing machine for bank, 500: Bank, 600: mobile phone, 601: mobile phone built-in camera,
700 to 719: guidance screen for mobile phone, 800
815: Guidance screen of automatic contract machine

Claims (10)

[Claims] 1. A contract machine for executing a process associated with a contract between a user and a company, comprising: a card reading unit for reading a user's bank card; a display unit for displaying various guidances; Having a control unit for controlling, the control unit displays guidance on inserting the bank card into the card mechanism on the display unit, and the customer inputs an account number or a password related to the bank card, or Detecting the reading of the account number or PIN stored in the bank card by the card reading unit, and transmitting the information input or read based on the user's confirmation request of the account number or PIN to the center of the company. A contract machine characterized by the following. 2. The center device connected to the contract machine according to claim 1, wherein the center device associates the information of the account number or the password received from the contract machine with the information of the user who has contracted with the company in advance. A unique contract system. 3. A contract system according to claim 2, wherein said company has an automatic machine which is managed or owned and executes cash withdrawal, and when said automatic machine reads a bank card,
A contract system characterized by connecting to a bank associated with the bank card and making a withdrawal desired by the user from his / her own bank account. 4. A contract machine for processing a loan contract, comprising: a display unit; and a control unit, wherein the control unit receives a borrowing instruction requested by a user and uses the registered borrowing instruction at the time of the contract. A contractor that provides guidance on a transfer to a bank account of a user on the display unit. 5. A contract method comprising a contract machine for performing a contract process and a communication terminal capable of inputting and displaying, wherein the communication terminal accepts an input of personal information by a user, and a face of the user. Acquiring data or image data of a user's identification card, confirming the received or acquired information on a display, and receiving a notification of a result of the examination based on the confirmed information;
Receiving and displaying a reception number based on the examination result, wherein the contract machine displays the already-input information input from the mobile terminal based on the input of the reception number displayed on the communication terminal. There are steps of displaying, reading the contract, and collecting the contract. 6. The contract method according to claim 5, wherein the contract machine reads the bank card of the user, and sends the information of the read bank card or the information on the bank card input by the user to the center. Transmitting. 7. An automatic machine for dispensing cash, comprising: a display unit, a printing unit, a dispensing unit for dispensing cash, and a control unit for controlling each unit, and dispensing by the dispensing unit. Wherein the amount of the borrowed money from the loan company existing in the user's account is displayed on the display unit or printed on a medium by the printing unit. 8. An automatic contract machine which operates in accordance with operation guidance on a screen and performs processes such as identity authentication, credit and contract.
In a loan contract system including an automatic dispensing machine for borrowing a loan and a communication terminal, the communication terminal includes personal information operated by a user, image data of an identification card such as a license, and face photograph data of the user himself. Receiving the input and transmitting it to the loan company, the loan company examines the personal authentication and credit in advance, and the communication terminal receives the result of the examination by the loan company and a reception code issued by the loan company. The loan contract system receives, and the automatic contract machine displays information already input by the communication terminal based on the input of the code sent to the communication terminal. 9. The loan contract system according to claim 8, wherein the automatic contract machine reads a cash card in a bank account held by a user in advance and transmits the card information to the loan company. Associate the contents of the bank account received from the automatic contract machine with user information accompanying the contract, and when there is a withdrawal request from the automatic dispensing machine managed by the loan company, the information associated with the loan company A loan contract system characterized by making a withdrawal from a user's bank account. 10. The loan contract system according to claim 9, wherein the communication terminal accepts a borrowed money from a loan company by a user and reports the content to the loan company, and the loan company uses the reported borrowed money. Loan contract system characterized by a transfer to a bank account specified by the client.