JP2003216814A - Managing method for loan repayment predictive simulation result information - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enables a customer oneself to smoothly cooperate with a loan counter of a financial institution while keeping anonymity and obtaining a loan repayment predictive simulation result. <P>SOLUTION: After loan repayment predictive simulation based upon customer information which does not include information specifying the customer individual is carried out by using a load repayment predictive simulator (simulation server 4) provided in a homepage of the financial institution, the simulation result information is displayed to the request-source customer (customer PC browser 1); and a unique ID added to the simulation result information is used to match the simulation result information, etc., in loan consultation and then the customer can smoothly and speedily have the load consultation with a person in charge of loan. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for managing loan repayment prediction simulation result information, wherein when a loan repayment prediction simulation is performed using the Internet, the result information is managed by anonymous information. It is about.

[0002]

2. Description of the Related Art So far, from financial institutions,
Although repayment simulation services such as loans using the Internet are provided, it is the reality that it is rarely considered that the results of the simulation will be managed by the customer and reflected in the loan window business of financial institutions. . In addition, a large-capacity memory is required to manage an unspecified large number of customers, including customers who have no intention of loan consultation.

On the other hand, when a repayment simulation is performed, it is easy for many customers to feel reluctant to disclose personal information such as their name and address on the Internet. It is expected to be. In addition, information is actually stolen by a Service-to-Self,
At present, there are high risks.

Therefore, it can be considered to maintain the anonymity of information. As a method of maintaining anonymity, for example, the use of a secret key or the like, the method described in Japanese Patent Application Laid-Open No. 2001-134671, and the method described in Japanese Patent Application Laid-Open No. 11-96101 are known. .

[0005]

However, use of a secret key or the like as a method for maintaining anonymity is expected to be complicated, and a method of registering only an e-mail address (Japanese Unexamined Patent Publication No. 2001-134671) is used. In such cases, it is feared that the email address will lead to the identification of an individual. Further, a method for receiving a service after obtaining identification information for participating in the information service (Japanese Patent Laid-Open No. 11-242242)
No. 96101), an unspecified number of people cannot easily receive services.

A first object of the present invention is to provide a method of managing loan repayment prediction simulation result information which allows the customer to know the loan repayment prediction simulation result while maintaining anonymity.

A second object of the present invention is to provide a method of managing loan repayment prediction simulation result information, which can smoothly reflect the loan repayment prediction simulation result to a loan window operation of the financial institution when applying for a loan. To do.

[0008] A third object of the present invention is to provide a method for managing loan repayment prediction simulation result information that can reflect the loan repayment prediction simulation result to an unspecified number of financial institutions as an auction target.

[0009]

[Means for Solving the Problems] The first purpose is to use a loan repayment prediction simulator provided on the homepage of a financial institution, and the answer to the question item from the simulator is to provide information for identifying an individual customer. After being obtained from the customer as customer information not included, a loan repayment prediction simulation based on the customer information is performed on the simulator based on a simulation execution request from the customer, and the simulation result information is the requesting customer. When the customer is allowed to predict the loan repayment plan, the simulation result information is achieved by anonymously managing the information together with the customer information as a pair.

The second purpose is also to display the unique ID added to the simulation result information to the requesting customer in association with the display of the simulation result information to the requesting customer. The unique I
According to D, the simulation result information and the customer information as a pair are anonymously managed, and are also used by referring to the simulation result information and the customer information at the time of loan consultation.

Further, the third purpose is that, in the state where the simulation result information and the customer information as a pair to which the unique ID is added are presented to the financial institution or another financial institution, This is achieved by making the unique ID available on the Internet auction.

[0012]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to FIGS.

Prior to the detailed description of the present invention, the outline thereof will be briefly described as follows.

That is, if an unspecified number of customers who are wondering whether or not to use a financial product access the loan repayment prediction simulator on the financial institution home page via the Internet, the The customer repayment prediction simulator collects customer information required for financing without inputting items such as name and address for identifying personal information of the customer. A loan repayment prediction simulation is performed based on the collected customer information, and the simulation result is displayed on the customer side, so that the customer can confirm the repayment plan.

When the unique ID added to the simulation result is also displayed together with the simulation result, the simulation result can be anonymously managed by the unique ID thereafter. Therefore,
If the customer indicates the ID and the account number at the loan counter of the financial institution, the simulation result can be easily inquired on the PC of the loan officer, so that the detailed financial consultation can be smoothly performed. It is a thing.

Further, since the information to which the ID is added is highly confidential and can be presented to a large number of unspecified financial institutions, the simulation result can be auctioned by using the ID of the net auction. It only has to be published above.

In addition, as a question item from the loan repayment prediction simulator, while referring to the tendency of past arrears,
If the contents of the question items in the downstream are changed from the results of the answers in the upstream, it is possible to easily predict the overdue.

Now, the present invention will be specifically described. First, the system configuration of the management system for the loan repayment prediction simulation result shown in FIG. 1 and the screen transition example shown in FIG. If it does, it is as follows.

That is, first, if necessary, the customer can access the Internet home page of the financial institution through the Internet 2 by using the customer PC browser 1 from time to time. A simulation server 4 as a simulator body is linked to the homepage, and the customer is connected to the simulation server 4 via the Web server 3. The simulator is secured for each type of loan (mortgage, purpose-based loan (car), card loan, etc.), but here, the mortgage repayment prediction simulation will be taken as an example and described below.

Now, when the simulator is started, as shown in FIG.
The transition screens such as those shown in FIG. 2 appear one after another, but of these transition screens, the question items such as the name and address for identifying the individual customer are excluded from the mortgage question screen. First, the customer inputs the information of the purchased property as an answer from the first mortgage question screen, but after that, the information necessary for the mortgage repayment prediction simulation is sequentially input from the customer. It is a thing (information input). For example, annual income, age, etc.
It has been entered. Input order of these information is
The order of question items that are judged to be important in terms of financing is such that the more important question items are placed on the upper side, the lower side question item contents are the answers to the upper side question items from the customer. In addition, it may be changed. For example, if it is determined that the amount of annual income is small as an answer to the question item of annual income, the mortgage question screen with the question item of spouse's annual income is added as the mortgage question screen related to the subsequent family structure. It is intended to transition to.

As described above, the reply contents from the customer are collected, and the temporary customer information DB (DB: DB:
Database, hereinafter the same) 7. The simulator execution command is set to be effective only when the customer completes the answers to all question items related to the loan. , The question content confirmation screen is displayed. On this screen, if an unanswered question item is confirmed or the answer content needs to be corrected, the answer is input again or is corrected.

Eventually, when the customer confirms the response contents and presses the simulator execution command to make a simulation request (simulation request), the simulator is started and the simulation processing based on the customer information is performed. Is. The processing result, that is,
By displaying the simulation result on the customer PC browser 1 (simulation result), the customer can confirm the contents of the simulation result. At that time, in the comment field, whether the loan is possible or not is displayed as a result of the simulation, and when it is impossible, the reason is also specified. Incidentally, whether or not the loan is possible is automatically judged by comparing the preset condition pattern of loan acceptance with the simulation result.

As a result of the above simulation, if it is determined that the loan is available, the customer requests the consultation at the counter and presses the button for issuing the consultation ID (contact consultation request), which corresponds to the customer information described above. The unique ID number is automatically generated, and the unique ID number is displayed on the customer PC browser 1 (ID issuance), while the loan counselor is also notified of the occurrence of the unique ID. The consultation day is reserved and the customer is notified in accordance with the good day of (Consultation day notification). The customer can confirm the consultation date based on the unique ID. By the way, on the consultation day, the customer visits (visits) the window of the financial institution, and based on the simulation results, further detailed loan consultation is conducted at the window, but at that time, for the first time, such as name and address. , Personal identification information is open to the public. For customers with accounts at the same financial institution,
Furthermore, the transaction history D is sent via the aggregation server 11.
Since the transaction history information on B12 and the customer information on the temporary customer information DB 7 can be easily referred to, the personal information can be complemented as necessary and sufficient.

In addition, the customer may make an auction request to the auction management Web server 15 and may anonymously contact another financial institution with a low interest rate or risk by the unique ID being put on the net auction. It is possible. However, ID management customer information as shown in FIG. 3 must be presented to these other financial institutions in advance. This is because it is necessary to participate in the auction after understanding the simulation results and the like in advance.

Further, the question item management DB 5 and the defaulter tendency item management DB 6 are linked to each other, and if the upstream question items exceed the threshold value of the defaulter tendency, the defaulter tendency item management DB 6 is switched. It is also possible to predict overdue when changing the question item contents from the simulator.

Incidentally, when the customer does not press the button for issuing the window consultation ID, it is considered that the customer does not have the intention of the loan consultation, and the simulation result and the customer information up to that point are discarded. It has become one. As a result, the memory capacity can be reduced.

Lastly, the present invention will be described more specifically. FIG. 4 shows the overall system operation processing flow. In this case, the customer accesses the loan simulation on the homepage of the financial institution using the customer PC (process 301). With this access,
In the financial institution system, a question item call is executed (process 302). Question items are extracted from the DB 303 (corresponding to the question item management DB 5 shown in FIG. 1) and then the customer PC
Has been transmitted to the server (process 304). As a result, the question item is displayed on the customer PC screen, but after the answer information corresponding to the question item is input by the customer on this screen, the answer information is transmitted to the financial institution system. (Processes 305 to 307).

In the financial institution system, the reply information from the customer PC is subjected to temporary customer information registration / update processing, and is also stored in the DB 309 (corresponding to the temporary customer information DB 7 shown in FIG. 1) as temporary customer information. (Process 308). Next, this customer information and defaulter information (know-how) 31
By comparing with 1, the tendency of defaulters is judged (process 310). In this judgment process, if it is judged that there is no tendency to default,
As it is, the question item is called again and the question item is DB313 (corresponding to the question item management DB5 shown in the figure).
And is transmitted to the customer's PC (process 312, 316). Further, if it is determined that there is a tendency for default, then the default similar question item call is executed, and the default similar question item corresponds to the DB 315 (corresponding to the default tendency management item DB6 for defaulters shown in FIG. 1). ), And is transmitted to the customer PC (processes 314 and 316). As a result, a new question item is displayed on the customer PC screen (process 317). Similar to the previous time, after the customer inputs the answer information corresponding to those question items, it is transmitted to the financial institution system (process 31).
8, 319).

In the financial institution system, the reply information from the customer's PC is subjected to temporary customer information registration / update processing and then stored as temporary customer information in the DB 321 (corresponding to the temporary customer information DB 7 shown in FIG. 1). (Process 320). As a result, more temporary customer information is stored in the DB 321, but next, the temporary customer information list inquiry is executed, and the temporary customer information stored based on the question items is transferred to the customer. By being transmitted to the PC, the customer PC displays a question item list as a question content confirmation screen (processes 322 to 324). On this screen, the customer determines whether or not the answer content is modified. If there is a modification, the customer returns to the question item display and the question item is modified (process 325). ，
305). If there is no correction, a confirmation of no correction is transmitted as a simulation execution request to the financial institution system by pressing the button (process 32).
5,326).

In the financial institution system, a simulation execution request is executed, temporary customer information is input from the DB 328 (corresponding to the temporary customer information DB 7 shown in FIG. 1) to the simulation engine, the simulation is executed, and then the simulation result is obtained. Information is DB330
(Corresponding to the simulation result management DB 8 shown in FIG. 1)
(Processing 327, 329).
After that, the comment is extracted by executing the loan condition comment inquiry corresponding to the simulation result information, and the comment is transmitted to the customer PC together with the simulation result by the simulation result inquiry (processes 331 to 333).

The simulation result and the comment are displayed on the screen of the customer PC.
It is determined whether or not the customer is likely to get the loan (process 334). If a loan is desired, the fact that the window consultation is desired is transmitted to the financial institution system by pressing the window consultation transmission button (processes 335 and 336). In response to this, the financial institution system issued a (unique) ID issuance request, and
I from the DB 338 (corresponding to the ID management DB 9 shown in FIG. 1)
While D is issued, DB3 is requested by the consultation consultation reservation request.
By searching for an available consultation day on 41 (corresponding to the consultation day reservation DB 13 shown in FIG. 1), the consultation day reservation information is called (processes 337 to 340). The ID and the consultation date information are transmitted to the customer PC and then displayed (processes 342 and 343).

Now, the customer can confirm the ID,
After confirming the reservation date and contacting the loan counter of the financial institution, you will be dispatched to the loan counter on the reservation day. When you visit the loan counter, your ID will be disclosed to the loan officer. (Process 344). The loan officer inputs the ID into the PC (corresponding to the loan PC 14 shown in FIG. 1) and the ID inquiry request is executed to the DB 346 (corresponding to the temporary customer information DB 7 shown in FIG. 1). (Process 345). The provisional customer information is extracted from the DB 346 and displayed on the screen of the PC (process 347). While looking at the temporary customer information display screen, you can proceed with consultation with the loan officer,
The customer's name and address information obtained at the time of the consultation is stored in the DB 35 as a customer information master by the name / address registration process.
0 (corresponding to the customer information master DB 10 shown in FIG. 1) is stored (processes 348 and 349).

The simulation result information on the DB 351 (corresponding to the simulation result management DB 8 shown in FIG. 1) and the DB 352 (consultation day reservation DB 1 shown in FIG. 1)
3) and the DB 353 (corresponding to the ID management DB 9 shown in FIG. 1) ID is actually subjected to information combination processing corresponding to the customer and then DB 355 (temporary customer information DB 7 shown in FIG. 1). By correspondingly registering with the temporary customer information, the convenience at the time of inquiry is enhanced. Therefore, the simulation result is also displayed at the time of the consultation at the counter.

[0034]

As described above, according to the present invention, while maintaining anonymity, the customer can know the result of the loan repayment prediction simulation, and at the time of applying for a loan, the loan repayment prediction. The simulation result can be smoothly reflected in the loan window operation of the financial institution, and further, the loan repayment prediction simulation result can be reflected in an unspecified number of financial institutions as an auction target.

Therefore, according to the present invention, the customer who uses the loan simulator does not need to describe his / her name or address on the Internet, which not only alleviates the mental burden but also allows the loan consultation process at the loan counter. It can be speeded up. In addition, the customer can request a loan from a financial institution with a low interest rate by using the online auction.

[Brief description of drawings]

FIG. 1 is a diagram showing a system configuration of a loan repayment prediction simulation result management system according to the present invention.

FIG. 2 is a diagram showing an example of screen transition when a mortgage repayment prediction simulation is performed.

FIG. 3 is a diagram showing a record structure of ID management customer information presented in advance to an auction participating financial institution.

FIG. 4 is a diagram showing an overall system operation processing flow.

[Explanation of symbols]

1 ... Customer PC browser, 2 ... Internet, 4 ... Simulation server (simulator body), 5 ... Question item management DB, 7 ... Temporary customer information DB, 8 ... Simulation result management DB, 9 ... ID management DB, 10 ... Customer information Master,
15 ... Auction management Web server.

Claims (4)

[Claims] 1. A loan repayment prediction simulator provided on the homepage of a financial institution is used to obtain an answer from the simulator to a question item from the customer as customer information that does not include information for identifying the individual customer. After being given
Based on a simulation execution request from the customer, a loan repayment prediction simulation is performed on the simulator based on the customer information, and the simulation result information is displayed to the requesting customer so that the customer can make a loan repayment plan. The management method of the loan repayment prediction simulation result information in which the simulation result information is managed anonymously by the anonymous information together with the customer information as a pair when the prediction is possible. 2. With respect to the display of the simulation result information according to claim 1 to the requesting customer, the unique ID added to the simulation result information is displayed to the requesting customer, whereby The unique ID manages anonymously simulation result information and customer information as a pair, and also is used to refer to the simulation result information and customer information at the time of loan consultation, and loan repayment prediction simulation result information. Management method. 3. The unique ID in a state where the simulation result information and the customer information as a pair, to which the unique ID according to claim 2 is added, are presented to the financial institution or another financial institution. Is a method of managing loan repayment prediction simulation result information, which was made public on the Internet auction. 4. The question item from the loan repayment prediction simulator is such that the contents of the question item on the downstream side can be changed from the answer result of the upstream while referring to the tendency of past arrears. Management method of loan repayment forecast simulation result information.