JP2003006435A - Method and system for transaction propriety determination, center device, computer program, and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and a system for transaction propriety determination, a center device, a computer program, and a recording medium which shorten the time from the transmission of various information, needed to determine the propriety of a transaction from a terminal device that a consumer operates to the center device managed by a transaction business body such as a financier for consumers up to notifying the transaction business body of an examination result showing the propriety of the transaction when the transaction business body finances the consumer and so on through a communication network. SOLUTION: The terminal device 20 sends various information such as personal information and certificate information to the center device 10, which identifies the person by comparing various information such as the personal information and verifying the adequacy of the certificate information and evaluates the information according to the certificate information, and inputs and transmits the personal information divisionally a plurality of times to simultaneously examine according to 1st personal information sent to the center device 10 in advance and makes a request to input 2nd personal information sent from the terminal device 20 later.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction in which a central device such as a server computer which communicates with a terminal device determines whether or not to conduct a transaction with a person such as a consumer related to a terminal device such as a personal computer and a mobile phone. Regarding a permission / prohibition determination method, a transaction permission / prohibition determination system to which the method is applied, a central device used in the system, a computer program for realizing the device, and a recording medium recording the program, particularly operating a terminal device The present invention relates to a transaction propriety determination method, a transaction propriety determination system, a central device, a computer program, and a recording medium for determining whether or not to lend a consumer.

[0002]

2. Description of the Related Art When a transaction entity such as a consumer finance company conducts a transaction such as a loan to a consumer, it is examined to determine whether or not the transaction such as a loan to the consumer can be made. .

[0003] In the past, a consumer went to a business establishment of a trading enterprise, and based on information such as a driver's license, a certificate such as a passport, and personal information about the consumer such as a place of work and a living form, the consumer. The general method was to have an examiner of the transaction entity face to face the examination, but recently, with the development of communication technology, the use of terminal devices managed by consumers such as personal computers and mobile phones has been It has been reviewed.

[0004] Furthermore, Japanese Patent Laid-Open No. 5-73584 discloses a non-face-to-face device that is managed by a trading entity and allows a consumer to undergo an examination without directly facing the examiner of the trading entity. The device for receiving unattended membership etc. is disclosed, and the examination using the non-face-to-face type unattended membership reception device is widespread.

However, the examination using a terminal device such as a personal computer and a mobile phone is substantially the same as the examination conducted in a state of being face-to-face with a person in charge of examination, and the server computer managed by the trading entity from the terminal device. The certificate information such as the certificate number and the information such as the person information are transmitted to the central device such as, and the information such as the certificate information and the person information received by the central device is displayed. Then, based on the displayed information such as certificate information and personal information, the examiner examines whether the transaction is possible or not, and notifies the consumer of the examination result by a communication method such as telephone communication.

[0006] Also in the examination using a non-face-to-face type unmanned admission acceptance device, the consumer operates the control terminal to send various information to the examination person, and the examination person receives from the control terminal. We will conduct an inspection based on various information and notify consumers of the results of the inspection.

[0007]

However, in the conventional transaction propriety determination method for determining the propriety of conducting a transaction,
It takes about 30 minutes from when the consumer sends information such as certificate information and personal information until the result of the examination is notified, and the time from the transmission of information to the notification of the examination result. Has the problem of shortening

[0008] Further, since the examiner must conduct the examination at the time when the consumer desires the examination, regardless of the working conditions such as the working hours and working style of the examiner and the presence / absence of the examiner. There is a problem related to the convenience required by consumers who want to be screened without restrictions on time.

Further, there is a problem that fraudulent acts such as forgery of various information necessary for examination is prevented and the identification accuracy of a person is improved. Note that in order to improve identification accuracy, it is possible to identify the certificate information such as the driver's license number by verifying its logical validity, but it requires complicated work. Therefore, it is impossible to do it manually as a real problem.

The present invention has been made in view of such circumstances, and collates various information such as person information with recorded information such as history, identifies a person based on certificate information, and evaluates based on person information. By executing the process of (1), the automatic inspection by the central device is realized, and the time from the transmission of information to the notification of the inspection is shortened to about 10 seconds. Since there is no need to deal with it, it is possible to conduct a 365-day / 24-hour examination without considering the working conditions of the examiner, which can improve the convenience of consumers. The main purpose is to provide a decision system, a central device used in the system, a computer program for realizing the device, and a recording medium in which the program is recorded.

Further, according to the present invention, the input and the transmission of the personal information are divided into a plurality of times, the examination based on the first personal information transmitted to the central device first, the input of the second personal information transmitted to the central device later, etc. Another object of the present invention is to provide a transaction approval / disapproval determination method or the like capable of shortening the waiting time felt by the consumer by performing the operation of the consumer in parallel.

Further, in the present invention, with respect to the certificate information such as the number of the driver's license, the central device verifies the logical correctness and identifies the person, thereby strengthening the prevention of fraudulent acts. It is still another object to provide a method for determining whether or not a transaction is possible.

[0013]

A transaction propriety deciding method according to a first aspect of the present invention is a transaction propriety deciding method wherein a central device communicating with the terminal device decides the propriety of a transaction with respect to a person associated with the terminal device. The terminal device is connected to the central device via a communication network, and transmits personal information and contact information regarding a person to the central device, and the central device is
Detects communication information related to communication with the terminal device, compares received personal information and contact information, and detected communication information with recorded information recorded in advance, and evaluates the received personal information by a predetermined method, Based on the collated result and the evaluated result, whether or not the transaction is possible is determined, and the result information indicating the determined result is transmitted to the contact point indicated by the contact point information.

In the transaction propriety determination method according to the first aspect of the invention, personal information, contact information, and communication information are collated with recorded information such as past history, and processing such as evaluation based on personal information is performed by a server computer or the like. By executing it in the central device, it is possible to realize automatic inspection without human intervention, so consumers who operate terminal devices such as mobile phones and personal computers send various information and then trade the inspection results. It is possible to significantly reduce the time to receive the result information shown as approval or disapproval, and since it is an automatic inspection, it is not necessary for the inspector to take action, so the inspection is performed regardless of the working hours of the inspector. Therefore, it is possible to conduct a 365-day, 24-hour examination without considering working conditions, and it is possible to improve convenience for consumers.

The transaction propriety determination method according to the second aspect of the present invention is the first aspect.
In the invention, the terminal device transmits identification information used for identifying the person to the central device, and the central device identifies the person based on the received personal information and identification information.

In the transaction propriety determination method according to the second aspect of the present invention, it is possible to prevent fraud by identifying the person based on the identification information.

A method for determining whether or not a transaction is possible according to the third aspect of the present invention is the second aspect.
In the invention, the identification information is certificate information regarding a certificate that certifies the person.

In the transaction approval / disapproval determination method according to the third aspect of the present invention, a huge amount of time is required in the conventional manual examination, so that a person such as a driver's license, a passport, or a health insurance card, which was impossible as a practical problem, is identified. The logical validity of the certificate information related to the certificate to be proved can be verified by the central device, and the person can be identified quickly based on the verification result, which can significantly reduce the examination time. Not only can it be shortened, but it is also possible to improve the identification accuracy and strengthen the prevention of fraudulent acts such as forgery of information.

A transaction propriety determination method according to a fourth aspect of the present invention is a transaction propriety determination method in which a central device communicating with the terminal device determines whether or not a transaction for a person associated with the terminal device is permitted. The central device is connected to the central device via a communication network, and the central device transmits first input request information requesting input of first person information regarding a person to the terminal device, and the terminal device further receives the first input request information. The input of the first person information is requested based on the first input request information, and the first person information that has received the input is transmitted to the central device, and the central device further differs from the first person information regarding the person. Second input request information for requesting input of second person information is transmitted to the terminal device, and the terminal device further requests input of second person information based on the received second input request information; Accept input And transmitting the second person information, the central device further performs a first process based on the received first person information in parallel with the process from the transmission of the second input request information to the reception of the second person information. It is characterized by starting and deciding whether or not the transaction is possible based on the result of the first process and the result of the second process based on the received second person information.

In the transaction approval / disapproval determination method according to the fourth aspect of the present invention, since the central device such as the server computer executes the processes such as the identification and evaluation of the person, the automatic examination without human intervention can be realized. It is possible to significantly reduce the time from when a consumer who operates a terminal device such as a mobile phone or a personal computer sends various information until it receives result information indicating the examination result as whether or not the transaction is possible, Moreover, since the examination will be conducted regardless of the working hours of the person in charge of examination, 365
It is possible to perform a 24-hour examination every day and improve the convenience of the consumer. Further, the transmission of the personal information is divided into a plurality of times, and the processing is based on the first personal information transmitted from the terminal device in advance. And the process of requesting the input of the second person information transmitted later from the terminal device in parallel,
Since the processing based on the first person information is performed in parallel with the input operation by the consumer, it is possible to reduce the waiting time felt by the consumer.

The transaction propriety determination method according to the fifth aspect of the present invention is the fourth aspect.
In the invention, the first process includes a process of identifying a person, and the second process includes a process of evaluating a person.

In the transaction approval / disapproval determining method according to the fifth aspect of the present invention, by performing the person identification and the person evaluation by the central apparatus, it is possible to realize speeding up of the processing such as identification and evaluation and improvement of the identification accuracy. Is.

The transaction propriety determination method according to the sixth aspect of the present invention is the fourth aspect.
In the invention or the fifth invention, the first person information includes a name of a person, and the second person information includes information indicating an economic situation of the person.

In the transaction propriety determination method according to the sixth aspect of the present invention, the identification accuracy is improved and the examination accuracy is improved by identifying and evaluating the person based on the name of the person and the information indicating the economic situation such as job category and monthly income. Can be realized.

The transaction propriety determination system according to the seventh invention is
It is equipped with a central device and a terminal device that are connected via a communication network,
In a transaction propriety determination system for determining propriety of a transaction with respect to a person related to the terminal device, the terminal device includes means for connecting to the central device via a communication network, and accepting means for accepting input of personal information about the person. And a means for transmitting the received personal information to the central device, the central device pre-recording the means for detecting communication information relating to communication with the terminal device and the received personal information and the detected communication information. Means for collating with the recorded information, and means for evaluating the received personal information by a predetermined method,
And a means for determining whether or not the transaction is possible based on the collated result and the evaluated result.

In the transaction approval / disapproval determination system according to the seventh aspect of the present invention, processing such as collation of personal information, contact information, communication information and recorded information such as past history, and evaluation based on personal information is performed by a server computer or the like. By executing it in the central device, it is possible to realize automatic inspection without human intervention, so consumers who operate terminal devices such as mobile phones and personal computers send various information and then trade the inspection results. It is possible to significantly reduce the time required to receive the result information shown as approval or disapproval, and since the examination will be performed regardless of the working hours of the examiner, 365 days without considering the working conditions. It is possible to conduct a 24-hour examination and improve convenience for consumers.

The transaction propriety determination system according to the eighth invention is
In the seventh invention, the reception means included in the terminal device is configured to receive the input of the identification information used for identifying the person, and the transmission means is configured to transmit the received identification information to the central device. It is characterized in that the central device further comprises means for identifying a person based on the received person information and identification information.

In the transaction approval / disapproval determination system according to the eighth aspect of the present invention, a huge amount of time is required for the conventional manual examination, so that a driver's license, passport,
Also, by performing centralized identification of a person by logically verifying identification information such as certificate information regarding a certificate that certifies a person such as a health insurance card, it is possible to significantly reduce the examination time. Instead, it is possible to improve the identification accuracy and strengthen the prevention of fraudulent acts such as forgery of information.

According to a ninth aspect of the present invention, there is provided a central device for deciding whether to deal with a person related to a terminal device, the means for accepting a connection from the terminal device, and requesting input of first person information about the person. Means for transmitting the first input request information to the terminal device,
Means for receiving first person information for the input request information,
First processing means for performing a first process based on the received first person information, deciding means for deciding whether or not a transaction is possible based on the result of the first process, and transmitting means for transmitting result information indicating the decided result. And is provided.

In the central device according to the ninth aspect of the invention, the first process such as the identification of the person is performed based on the first person information such as the name and the date of birth received from the terminal device. Since the examination can be realized, it is possible to significantly reduce the time from receiving various information from the terminal device to transmitting the result information indicating the examination result as whether the transaction is possible or not. Since the examination is carried out regardless of the working hours of the person, it is possible to carry out the examination 24 hours a day 365 days a year without considering the working conditions, and it is possible to improve the convenience of the consumer.

A central device according to a tenth aspect of the present invention is a central device for determining whether or not to conduct a transaction with a person related to the terminal device, and means for accepting a connection from the terminal device.
Means for transmitting to the terminal device, first input request information for requesting input of first person information regarding a person and identification information used for identifying the person, and first person information and identification for the transmitted first input request information. A means for receiving information, a first processing means for performing a first processing based on the received first person information and identification information, and a determination means for determining whether or not a transaction is possible based on the result of the first processing. And transmitting means for transmitting result information indicating the result.

In the central apparatus according to the tenth aspect of the invention, based on the first person information such as the name and date of birth received from the terminal apparatus, and the identification information, the processing such as verification of the logical correctness of the identification information is performed. By rapidly identifying a person, it is possible not only to greatly reduce the examination time, but also to improve the identification accuracy and strengthen the prevention of fraudulent acts such as forgery of information.

The central apparatus according to the eleventh invention is characterized in that, in the tenth invention, the identification information is certificate information regarding a certificate for certifying the person.

In the central apparatus according to the eleventh aspect of the present invention, by using the certificate information indicating the number of the certificate certifying the person such as the driver's license, the passport, and the health insurance card as the identification information, the identification accuracy of the person is improved. It is possible to improve and strengthen fraud prevention.

A central apparatus according to the twelfth invention is the central apparatus according to any one of the ninth invention to the eleventh invention, for detecting communication information related to communication with the terminal device, first received personal information and detected communication information. And a means for collating with the recorded information recorded in advance, the deciding means is for deciding whether or not the transaction is possible based on the result of collating with the recorded information.

In the central apparatus according to the twelfth aspect of the invention, the result of matching various information such as communication information such as IP address indicating the position of the terminal apparatus on the communication network with recorded information such as past history is taken into consideration in the examination. This makes it possible to carry out an appropriate examination in a short time.

The central apparatus according to the thirteenth invention is characterized in that, in any one of the ninth invention to the twelfth invention, the first input request information requests input of contact information about a person.

In the central device according to the thirteenth invention, by transmitting the result information to the contact point indicated by the contact point information such as the e-mail address, the illegal connection such as the illegal connection and the use of the contact information of the other person is detected. Alternatively, it is possible to prevent an input error.

A central apparatus according to the fourteenth invention is the central apparatus according to any one of the ninth to thirteenth inventions, and after receiving the first person information, requests the input of second person information different from the first person information for the person. Second means for transmitting the second input request information to the terminal device, means for receiving the second person information for the transmitted second input request information, and second processing for performing the second processing based on the received second person information. Processing means, and the determination means is configured to determine whether or not the transaction is possible based on the result of the second processing.

In the central device according to the fourteenth invention, the transmission of the personal information is divided into a plurality of times, the examination based on the first personal information transmitted from the terminal device first, and the second person transmitted later from the terminal device. By performing the operation of the consumer such as the input of information in parallel, it is possible to reduce the waiting time felt by the consumer.

The central apparatus according to the fifteenth invention is characterized in that, in the fourteenth invention, the first process includes a process for identifying a person, and the second process includes a process for evaluating a person. .

In the central apparatus according to the fifteenth invention, identification processing including processing such as verification of logical validity of certificate information, and information indicating economic conditions such as job type and monthly income are scored by a predetermined method. By performing the evaluation process, it is possible to improve the identification accuracy and the examination accuracy.

A computer program according to a sixteenth aspect of the present invention is a computer program for causing a computer connected to a terminal device via a communication network to determine whether or not a transaction for a person related to the terminal device is possible. Input request information for requesting the input of, to the terminal device, when the computer receives the personal information, the procedure of evaluating the received personal information in a predetermined method, the computer, the evaluation result And a procedure for determining whether or not the transaction is possible based on the above.

In the computer program according to the sixteenth aspect of the invention, the server computer operates as a central unit by being executed by a server computer connected to a communication network such as the Internet, so that the personal information received from the terminal device can be stored in a predetermined manner. By scoring with the method, it is possible to realize automatic examination without human intervention, so the time from receiving various information from the terminal device to transmitting the result information indicating the examination result as transaction availability It is possible to significantly shorten the period, and since the examination is performed regardless of the working hours of the person in charge of examination, it is possible to conduct 365-day 24-hour examination without considering working conditions. It is possible to improve the property.

A computer-readable recording medium according to the seventeenth aspect of the present invention records a computer program for causing a computer connected to a terminal device via a communication network to determine whether or not to conduct a transaction with a person related to the terminal device. In a computer-readable recording medium, a procedure for transmitting input request information requesting the computer to input personal information regarding a person to the terminal device, and a case where the computer receives the personal information In addition, a computer program including a procedure for causing the received personal information to be evaluated by a predetermined method and a procedure for causing the computer to decide whether or not to conduct the transaction based on the evaluation result is recorded.

In the computer-readable recording medium according to the seventeenth aspect of the present invention, the recorded computer program is executed by a server computer connected to a communication network such as the Internet so that the server computer serves as a central device. Since it operates, it is possible to realize automatic examination without human intervention by scoring the personal information received from the terminal device by a predetermined method. It is possible to significantly reduce the time required to send the result information indicating the result as whether or not to trade, and since the examination will be performed regardless of the working hours of the person in charge of examination, the working conditions are not taken into consideration. In addition, it is possible to conduct a 365-day, 34-hour examination and improve convenience for consumers.

[0047]

BEST MODE FOR CARRYING OUT THE INVENTION The present invention will be described in detail below with reference to the drawings showing the embodiments thereof. FIG. 1 is an explanatory view conceptually showing the transaction propriety determination method of the present invention. In the figure, reference numeral 1 is a central device of the present invention using a server computer, and the central device 10 is managed by a transaction business 100 such as a consumer finance company and is connected to a communication network NW such as the Internet.

The communication network NW is connected with a terminal device 20 such as a personal computer and a mobile phone managed by a consumer 200 who conducts transactions such as financing with the transaction enterprise 100, and the transaction enterprise 100 is the consumer 200. When conducting a transaction with respect to, the central device 10 conducts an examination for deciding whether or not to conduct a transaction with the consumer 200 who manages the terminal device 20.

Further, the central device 10 is connected to an external information recording device 30 using a host computer via a communication line TL, and past transactions of various consumers 200, 200, ... Which the information recording device 30 has. It is possible to access the transaction status database 30a that records the status.

When the information recorded in the central device 10 is not sufficient in the process of determining whether or not a transaction can be made to the consumer 200, the information processing device 30 can execute the central device 1.
The information processing device 30 is a device that is accessed from 0, and is recorded in the central device 10 based on various factors such as the recording capacity, communication load, and processing speed of the central device 10.
The information obtained from the above is determined, and the information of which device is to be used is determined by the processing of the central device 10. Therefore, for example, if the recording capacity has a margin, the information processing device 30
It is possible to prevent communication with the information processing device 30 by recording and managing all information obtained from the central device 10.

FIG. 2 is a block diagram showing the configuration of the transaction propriety determination system of the present invention. The central device 10 includes a CPU 11 that controls the entire device, a computer program PG for the central device of the present invention, and a recording medium REC such as a CD-ROM that records information such as data. CD-RO to read
Auxiliary storage means 12 such as an M drive, a recording means 1 such as a hard disk for recording information such as the computer program PG read by the auxiliary storage means 12 and data
3, a RAM 14 for storing information, a first communication means 15 connected to the communication line TL, and a second communication means 16 connected to the communication network NW. Then, the computer program PG and information such as data are read from the recording means 13, stored in the RAM 14 and executed by the CPU 11, so that the server computer operates as the central device 10 of the present invention.

Part of the recording area of the recording means 13 is personal information about a person such as a consumer's name, date of birth, and address, and an address indicating the position of the terminal device 20 on the communication network NW (where NW is the Internet. If so, communication information such as IP address), certificate information indicating identification number used for identifying a person such as driver's license and passport, contact information such as e-mail address, etc. It is used as various databases such as the recording information database 10a for recording the recording information shown as, and the recording information database 10a is accessed as necessary to record / read information. Note that instead of using a part of the recording area of the recording unit 13 as various databases, other devices connected to the central device 10 may be used as various databases.

The terminal device 20 includes a CPU 21 and a recording means 2.
2, RAM 23, communication means 24 connected to the communication network NW,
Input means 25 such as mouse and keyboard, and CRT
A display means 26 such as a display and an LCD is provided. If necessary, output means (not shown) such as a printer may be provided.

The information recording device 30 comprises a CPU 31, a recording means 32, a RAM 33, and a communication means 34 connected to the communication line TL, and a part of the recording area of the recording means 32 is used as a transaction status database 30a. .

Next, information input processing of the central device 10 and the terminal device 20 used in the transaction approval / disapproval determination system of the present invention will be described with reference to the flowcharts shown in FIGS. 3 and 4. A consumer 200 who desires a transaction such as a loan from the transaction business entity 100 operates the terminal device 20 to connect to the communication network NW, and performs a transaction-related service recorded in the central device 10 of the present invention. Input to access the page. The terminal device 20 receives an input for accessing the transaction web page and accesses the transaction web page (S101).

The central device 10 accepts access (connection) from the terminal device 20 (S102) and requests input of various information such as first person information, certificate information, contact information, etc., first input request information. Is transmitted to the terminal device 20 (S103).

The terminal device 20 receives the first input request information (S104) and displays the received first input request information (S105).

FIG. 5 is an explanatory diagram showing an image displayed on the terminal device 20 used in the transaction propriety determination system of the present invention. FIG. 5 shows an image in which the first input request information is displayed. First person information such as name (name), date of birth, and gender, certificate information such as license number and passport number, and Fields for inputting various information such as contact information such as home telephone number and e-mail address (email address) are displayed, and the consumer 200 inputs various information in the displayed fields and “progress”. By clicking the control button indicated by, various input information can be transmitted. As shown in FIG. 5, the first person information is the consumer 200 such as name, date of birth, and gender.
It mainly contains the information used to identify and identify
It is used not only for identification and identification processing, but also for evaluation processing such as determination of whether or not a transaction is possible based on the age calculated from the date of birth.

The terminal device 20 accepts the input of various information such as the first person information, the certificate information, and the contact information (S106), and the accepted first person information, the certificate information,
And various information such as contact information is transmitted to the central device 10 (S107).

The central unit 10 receives various kinds of information such as the first person information, the certificate information, and the contact information (S10).
8), erroneous input inspection processing for inspecting errors such as omission and erroneous input of various received information is performed (S109), and when it is determined that there is no erroneous input (S110: Y), the received first person information, A first transaction approval / disapproval determination process is started based on various information such as certificate information and contact information (S11).
Along with 1), second input request information for requesting input of second person information that is different from the first person information is transmitted to the terminal device 20 (S112). Details of the first transaction propriety determination processing are shown in FIG. 7. That is, the processing for requesting and inputting the second person information after step S112 and the first transaction propriety determination processing shown in FIG. 7 are executed in parallel. The first transaction propriety determination process of FIG. 7 will be described in detail later. The erroneous input inspection process performed in step S109 means that the central device 10 not only inspects for errors such as omission of input, but also transmits various types of input information to the terminal device 20 and various types of information input to the consumer 200. It also includes the process of confirming the information.

When it is determined in step S110 that there is an erroneous input (S110: N), the process returns to step S103 and the subsequent processing is repeated.

The terminal device 20 receives the second input request information (S113) and displays the received second input request information (S114).

FIG. 6 is an explanatory view showing an image displayed on the terminal device 20 used in the transaction approval / disapproval determination system of the present invention. FIG. 6 shows an image in which the second input request information is displayed, and various types of second person information such as address, living form, business type of work (work), job type, work type, insurance type, and monthly income. A field for inputting information is displayed, and the consumer 200 inputs various information in the displayed field and clicks the control button indicated as “advance” to transmit the various information input. be able to. As shown in FIG. 6, the second person information is the type of business, the type of job,
It mainly includes attribute information indicating the economic situation of the consumer 200 such as work style, insurance type, and monthly income, and is used for processing such as determination of whether or not the transaction with the consumer 200 is possible and determination of the amount thereof.

The terminal device 20 accepts the input of various information such as the second person information (S115) and transmits the accepted various information such as the second person information to the central device 10 (S11).
6).

The central unit 10 receives various information such as the second person information (S117), and performs an erroneous input inspection process for inspecting the received various information for errors such as omission and erroneous input (S118). When it is determined that there is no input (S1
19: Y), the first person information, the certificate information, and the contact information received in step S108, and step S1
The second transaction propriety determination process based on various information such as the second person information received in 17 is started (S120). The erroneous input inspection process performed in step S118 is the central device 1
At 0, in addition to checking for mistakes such as input leakage,
The consumer 2 transmits various input information to the terminal device 20.
It also includes a process of confirming various information input to 00.

If it is determined in step S119 that there is an erroneous input (S119: N), the process returns to step S112, and the subsequent processing is repeated.

Next, the first transaction approval / disapproval processing of the central device 10 and the information recording device 30 used in the transaction approval / disapproval determination system of the present invention will be described with reference to the flowcharts shown in FIGS. 7 and 8. The central device 10 performs person identification processing for identifying the consumer 200 by verifying the validity of the certificate information based on the first person information and the certificate information received in step S108 (S201).

FIG. 9 is a flow chart showing a person identifying process of the central unit 10 used in the transaction approval / disapproval determining system of the present invention. As the person identifying process, by verifying the issuer information such as the issuing country of the certificate and the nationality of the first person information (S301), it is verified whether there is a logical contradiction, and it is determined that there is no logical contradiction. In the case of (S302: Y), by comparing the time information such as the certificate issuance year and the birth date of the first person information (S303), it seems that the age to be issued at the time of issuance has not been reached. When it is judged that there is no logical contradiction and it is judged that there is no logical contradiction (S30
4: Y), for example, the issue number itself of the certificate information is verified such that the issue number itself such as an abnormal digit number and “00000 ...” cannot exist (S305), and a logical contradiction occurs. If it is determined that there is not any (S306: Y), the verification such as the next verification is repeated. If there is no logical contradiction, the consumer 200
Is determined to be possible (S307), and step S
If it is determined in step 302 that there is a logical contradiction (S30
2: N), when it is determined that there is a logical contradiction in step S304 (S304: N), and when it is determined that there is a logical contradiction in S306 (S306: N). If it is determined that there is, it is determined that the consumer 200 cannot be identified by the certificate information (S308).

In order to manually identify the person by verifying the logical inconsistency of the certificate information as described above,
Since a very complicated work is required, it is impossible in reality as a practical problem, and it can be realized by processing by the central device 10 of the present invention. As a result, the accuracy of the examination for the consumer 200 is dramatically improved, and the examination is not performed by the examination personnel of the trading entity 100.
It has become possible to decide whether or not a transaction can be made without impairing the reliability of the examination. In other words, since an examiner is not required to identify the consumer 200, it is possible to conduct an examination for determining whether or not a transaction can be made 24 hours a day 365 days a year, which improves convenience for the consumer. Ancillary effects can also be obtained.

When it is determined that the consumer 200 can be identified by the person identifying process (S202:
Y), communication information such as an IP address indicating the position of the terminal device 20 on the communication network NW is detected (S203), and the detected communication information and the received contact information and certificate information are recorded in the record information database 10a. Among the recorded information recorded, the communication information, contact information, and certificate information recorded as recorded information within a predetermined time such as 24 hours is collated (S204), and the collated result is recorded as recorded information. It records in the information database 10a (S205). As a result of collation, if there is no corresponding record information (S206:
Y), that is, if the record information recorded in the record information database 10a does not match the record information recorded within the predetermined time, the first person information and the contact information are transmitted to the information recording device 30 (S207). ). In this way, collation with communication information, contact information, and certificate information recorded as record information within a predetermined time, specifically, the same e-mail address, same license number, and same telephone number within a predetermined time , And by confirming that the examination application with the same IP address has not been made, it is possible to prevent illegal acts such as double application and spoofing.

The information recording device 30 receives the first person information and the contact information (S208), and the received first person information and the contact information are past borrowing and repayment recorded in the transaction status database 30a. Etc., and the collation result information indicating the collation result is transmitted to the central device 10 (S210). The collation result information indicating the result of collating the past transaction status in step S209 is used as an element for determining the suitability of the consumer 200 as a trading partner. The past transaction status of the consumer 200 recorded in the information recording device 30 is not only the transaction status of the transaction business entity 100, but also a plurality of transaction business entities 100 that are in a relationship of mutually providing information, Since the transaction status is for each of 100, ..., It is possible to determine the appropriateness of the consumer 200 as a trading partner from various angles.

The central unit 10 receives the collation result information (S211), records the received collation result information in the record information database 10a (S212), and confirms that the collation result indicated by the collation result information corresponds to the transaction status. If not (S213: Y), it is determined that there is no problem as a trading partner with the consumer 200 and that the transaction is possible (S213).
214), the first transaction approval / disapproval determination processing ends.

When it is determined in step S202 that the person cannot be identified by the certificate information (S202:
N), if there is corresponding record information in step S206 (S206: N), and if there is corresponding transaction status in step S213 (S213: N), there is a possibility of fraud, etc. Therefore, it is determined that the transaction is impossible (S215), and the information indicating the determined situation is recorded as the record information in the record information database 10a (S2).
16) and terminates the first transaction propriety determination process.

The first transaction approval / disapproval determination process shown in steps S201 to S220 and steps S112 to S11.
The process from the transmission of the second input request information to the start of the second transaction propriety determination process shown in 9 is performed in parallel, and the latter process requiring the operation by the consumer 200 usually takes longer. Therefore, the time required for the first transaction approval / disapproval determination process is not felt by the consumer 200 as a waiting time.

Next, the second transaction propriety determination process of the central unit 10 used in the transaction propriety determination system of the present invention is shown in FIG.
This will be described with reference to the flowchart shown in. Central device 10
Then, evaluation is performed by scoring various information such as the first person information, the certificate information, the contact information received in step S108, and the second person information received in step S117 by a predetermined method ( S401), based on the evaluation result, it is determined whether or not the transaction is possible (S402). Note that the scoring by the predetermined method shown in step S401 is, specifically, extracting specific information from various information included in the first person information and the second person information as an evaluation parameter,
It is shown that the numerical value used as the economic credit of the consumer 200 is derived by statistically analyzing the extracted evaluation parameters.

However, the evaluation of the consumer 200 is not limited to the evaluation based on the numerical value used as the economic credibility obtained by scoring various information by a predetermined method.
The evaluation may be performed based on the age obtained from the date of birth included in the personal information and the transaction status. In particular, if the evaluation is based on the first personal information, by performing the first transaction propriety determination processing, This can be performed in parallel with the input operation of the second person information by the consumer 200.

The evaluation based on age is, for example, the evaluation that the consumers 200 aged 19 and under and 71 and over are judged to be unsuitable as a trading partner due to poor repayment ability due to employment. , When the number of borrowings from other companies is found to be, for example, five or more by accessing the information recording device 30, and when a transaction accident such as delinquency, debt consolidation, or bankruptcy for a certain period or more is found. In the situation, it shows the evaluation that is judged to be unsuitable as a trading partner. As described above, the evaluation carried out in the present invention indicates that various information regarding the consumer 200 is processed in a multifaceted manner to be used as a material for determining whether or not the transaction is possible.

In step S402, when it is determined that the transaction is possible (S403: Y), the result information indicating that the transaction is possible is obtained from the contact information such as the electronic mail address using the communication method such as the electronic mail. Contact shown,
For example, it transmits to the terminal device 20 (S404).

FIG. 11 is an explanatory diagram showing the result information transmitted as electronic mail from the central device 10 used in the transaction approval / disapproval determination system of the present invention to the terminal device 20. Figure 1
Reference numeral 1 is result information indicating that it is determined that the transaction is possible, and information such as an amount indicating the upper limit of the transaction, a transaction method, and notes is shown. Then, the branch office managed by the trading entity 100 designated by the consumer 200 and another institution such as a financial institution are notified that the consumer 200 is allowed to carry out a transaction such as a loan, and the consumer 200 makes the institution concerned. You can make a transaction by going to.

When it is determined in step S402 that the transaction is impossible (S403: N), the result information indicating that the transaction is not possible is transmitted by using a communication method such as electronic mail.
It is transmitted to the contact indicated by the contact information such as the electronic mail address, for example, the terminal device 20 (S405).

At the stage of terminating the first transaction propriety determination processing, it is judged that there is a possibility of fraud or the like and the person is not the one to be traded with, and the record information is recorded in the record information database 10a in step S216. Judges that the transaction is not possible at that time, does not perform the series of person identification processing starting from step S301 and the evaluation in step S401, and proceeds to step S405, where the result information indicating that the transaction is impossible is sent to an electronic mail or the like. The communication method is used to transmit to a contact point indicated by contact point information such as an electronic mail address, for example, the terminal device 20.

After determining whether the transaction is possible or not, various information such as first person information, certificate information, contact information, and second person information,
In addition, the result of determining whether or not the transaction is possible is recorded in the record information database 10a.

In the above-described embodiment, the form in which the transaction permission / inhibition is determined for the consumer 200 who is a natural person is shown, but the present invention is not limited to this, and a form in which the transaction permission / inhibition is determined for a corporation may be used.

Further, in the above-mentioned embodiment, the form in which the personal information is input twice is shown, but the present invention is not limited to this, and may be input three times or more, and other than personal information. It is also possible to divide the input for various kinds of information so that the input reception at the terminal device 20 and the processing at the central device 10 are performed in parallel.

Further, in the above-described embodiment, the terminal device 20 managed by the consumer 200 such as a personal computer and a mobile phone is used, but the present invention is not limited to this, and the non-face-to-face unmanned admission reception is possible. It is also possible to use a control terminal which is a device for use.

[0086]

As described above in detail, in the transaction propriety determination method, the transaction propriety determination system, the central unit, the computer program, and the recording medium according to the present invention, the central unit from the terminal unit such as a personal computer and a mobile phone to the server computer is provided. Various information such as personal information and identification information about consumers is transmitted to the device, and the central device collates various information such as personal information with recorded information such as history, identifies personal information, and based on personal information By performing processing such as evaluation, it is possible to realize automatic inspection by the central device without human intervention, and it is possible to significantly reduce the time from sending various information from the terminal device to notification of the inspection result. Yes, and 365 days 24 without considering the working conditions of the examiner
Since time examination can be performed, it is possible to improve the convenience of the consumer, which is an excellent effect.

Further, in the present invention, the input and transmission of the personal information is divided into a plurality of times, the examination based on the first personal information transmitted to the central device first, and the input of the second personal information transmitted later from the terminal device. By performing the processing for requesting in parallel with the processing based on the first person information in parallel with the input operation by the consumer, it is possible to reduce the waiting time felt by the consumer. It has an excellent effect.

Further, in the present invention, with respect to the certificate information such as the driver's license number, the central device verifies the logical validity and identifies the person, thereby strengthening the prevention of fraudulent acts. It is possible to obtain an excellent effect.

[Brief description of drawings]

FIG. 1 is an explanatory view conceptually showing a transaction propriety determination method of the present invention.

FIG. 2 is a block diagram showing a configuration of a transaction propriety determination system of the present invention.

FIG. 3 is a flowchart showing information input processing of a central device and a terminal device used in the transaction approval / disapproval determination system of the present invention.

FIG. 4 is a flowchart showing information input processing of a central device and a terminal device used in the transaction approval / disapproval determination system of the present invention.

FIG. 5 is an explanatory diagram showing an image displayed on a terminal device used in the transaction approval / disapproval determination system of the present invention.

FIG. 6 is an explanatory diagram showing an image displayed on a terminal device used in the transaction approval / disapproval determination system of the present invention.

FIG. 7 is a flowchart showing a first transaction propriety determination process of the central device and the information recording device used in the transaction propriety determination system of the present invention.

FIG. 8 is a flowchart showing a first transaction propriety determination process of the central device and the information recording device used in the transaction propriety determination system of the present invention.

FIG. 9 is a flowchart showing a person identifying process of a central device used in the transaction propriety determination system of the present invention.

FIG. 10 is a flowchart showing a second transaction propriety determination process of the central device used in the transaction propriety determination system of the present invention.

FIG. 11 is an explanatory diagram showing result information transmitted as an electronic mail from a central device used in the transaction approval / disapproval determination system of the present invention to a terminal device.

[Explanation of symbols]

10 Central device 20 terminal devices 30 Information recording device 100 trading entity 200 consumers TL communication line NW communication network PG computer program REC recording medium

Continued front page    (72) Inventor Hiroyuki Takagi             2-3-3 Awaji-cho, Chuo-ku, Osaka-shi, Osaka Prefecture               GE Consumer Credit             Inside the corporation (72) Inventor Seiji Hiramatsu             2-3-3 Awaji-cho, Chuo-ku, Osaka-shi, Osaka Prefecture               GE Consumer Credit             Inside the corporation F-term (reference) 5J104 AA07 KA01 NA05 PA07

Claims (17)

[Claims] 1. A transaction propriety determination method for determining whether or not a transaction for a person related to a terminal device is performed by a central device that communicates with the terminal device, wherein the terminal device is connected to the central device via a communication network. Then, the personal information about the person and the contact information are transmitted to the central device, the central device detects the communication information about the communication with the terminal device, and receives the received personal information, the contact information and the detected communication information. It collates with the recorded information recorded in advance, evaluates the received personal information by a predetermined method, decides whether the transaction is possible based on the collated result and the evaluated result, and informs the result information indicating the decided result A method of deciding whether or not a transaction can be made, which comprises transmitting the information to the contact indicated by the destination information. 2. The terminal device transmits identification information used for identifying the person to the central device, and the central device identifies the person based on the received personal information and identification information. The method for determining whether or not a transaction is possible according to claim 1. 3. The transaction propriety determination method according to claim 2, wherein the identification information is certificate information regarding a certificate that certifies the person. 4. A transaction propriety determination method for determining whether or not a transaction for a person related to a terminal device is made by a central device that communicates with the terminal device, wherein the terminal device is connected to the central device through a communication network. Then, the central device transmits, to the terminal device, first input request information for requesting input of first person information regarding a person, and the terminal device further determines a first input request information based on the received first input request information. (1) requesting input of personal information, transmitting first personal information that has received the input to the central device, and the central device further requests input of second personal information different from the first personal information regarding the person. The second input request information is transmitted to the terminal device, and the terminal device further requests input of second person information based on the received second input request information, and outputs the second person information that has received the input. Send, The central device further starts a first process based on the received first personal information in parallel with the process from the transmission of the second input request information to the reception of the second personal information. Second based on the received second person information
A transaction propriety determination method characterized by determining propriety of a transaction based on a result of processing. 5. The transaction propriety determination method according to claim 4, wherein the first process includes a process for identifying a person, and the second process includes a process for evaluating a person. 6. The transaction according to claim 4, wherein the first person information includes a name of a person, and the second person information includes information indicating an economic condition of the person. How to decide whether to accept. 7. A transaction propriety determination system that includes a central device and a terminal device connected via a communication network, and determines whether or not to conduct a transaction with a person related to the terminal device, wherein the terminal device communicates with the central device. The central device is provided with a means for connecting via a network, a receiving means for receiving an input of personal information about a person, and a transmitting means for transmitting the received personal information to the central device, wherein the central device relates to communication with the terminal device. Means for detecting communication information, means for collating received personal information and detected communication information with prerecorded recorded information, means for evaluating received personal information by a predetermined method, collation result and evaluation And a means for determining whether or not a transaction is possible based on the result of the above. 8. The reception means provided in the terminal device,
The input of identification information used for identifying the person is accepted, the transmitting unit is configured to transmit the accepted identification information to the central device, and the central device further receives the received personal information. And a means for identifying a person based on the identification information, and the transaction propriety determination system according to claim 7. 9. A central device for deciding whether or not to conduct a transaction for a person related to a terminal device, comprising means for accepting a connection from the terminal device, and first input request information for requesting input of first person information concerning the person. , Means for transmitting to the terminal device, means for receiving first person information for the transmitted first input request information, first processing means for performing first processing based on the received first person information, and first processing A central apparatus comprising: a determining unit that determines whether or not a transaction is possible based on the result of 1. and a transmitting unit that transmits result information indicating the determined result. 10. A central device for deciding whether or not to trade with a person related to a terminal device, means for accepting a connection from the terminal device, and inputting first person information about the person and identification information used for identifying the person. Means for transmitting the first input request information for requesting to the terminal device, means for receiving the first person information and the identification information corresponding to the transmitted first input request information, and the first person information and the identification information received. A first processing means for performing the first processing based on the first processing, a determination means for determining whether or not the transaction is possible based on the result of the first processing, and a transmission means for transmitting result information indicating the determined result. Central device to do. 11. The central apparatus according to claim 10, wherein the identification information is certificate information regarding a certificate that certifies the person. 12. The determining means comprises: means for detecting communication information relating to communication with the terminal device; and means for collating the received first person information and the detected communication information with previously recorded information. The central apparatus according to any one of claims 9 to 11, characterized in that the determination is made based on the result of collation with the recorded information. 13. The central apparatus according to claim 9, wherein the first input request information requests input of contact information regarding a person. 14. After receiving the first person information, second input request information for requesting input of second person information different from the first person information regarding the person is transmitted to the terminal device. And a second processing unit that performs a second process based on the received second person information, the determining unit based on a result of the second process. The central apparatus according to any one of claims 9 to 13, wherein the central apparatus is adapted to determine whether or not the transaction is possible. 15. The central apparatus according to claim 14, wherein the first process includes a process of identifying a person, and the second process includes a process of evaluating a person. 16. A computer program for causing a computer connected to a terminal device via a communication network to decide whether or not to conduct a transaction for a person associated with the terminal device, the input request requesting the computer to input personal information about the person. Based on the result of the evaluation, the procedure for transmitting the information to the terminal device, the procedure for causing the computer to evaluate the received personal information by a predetermined method when the personal information is received, And a procedure for determining. 17. A computer-readable recording medium in which a computer connected to a terminal device via a communication network has recorded therein a computer program for determining whether or not to conduct a transaction with a person related to the terminal device. , A procedure for causing a computer to transmit input request information requesting input of personal information regarding a person to the terminal device, and a procedure for causing a computer to evaluate the received personal information by a predetermined method when the personal information is received And a computer program including a procedure for causing a computer to determine whether or not to conduct a transaction based on an evaluation result, a computer-readable recording medium.