JP2004139346A - Service introduction system, loan introduction system, and simulation program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a service introduction system and a loan introduction system capable of offering more accurate information about a service available to a user. <P>SOLUTION: This service introduction system is constructed of a server on the Internet storing a web page providing the information about the service offered according to personal information about the user. The web page includes a link to an estimation program for estimating contents of the offered service on the basis of the personal information, and the estimation program can be downloaded from the homepage. The estimation program executed in a window different from a window used by the user for browsing the web page includes an interface, through which the personal information is inputted, and displays an estimated amount of the contents of the service to be offered on the basis of the inputted personal information. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a service introduction system, a loan introduction system, and a simulation program each comprising a server on the Internet that provides information on a service provided according to a user's personal information.
[0002]
[Prior art]
In recent years, with the spread of the Internet, so-called "Internet banking", which allows online access to various bank services, has attracted attention.
The Internet banking is an additional service for customers who have a normal account, and realizes equivalent transactions on the Internet in addition to the normal account and ATM account transactions.
[0003]
At present, users find the most convenient services to connect their terminal and the server of the financial institution via the Internet, and to provide services such as balance / deposit / invoice check, transfer / transfer, and various information provision. The point is that you can receive. According to such Internet banking services, users can receive banking services anytime and anywhere, and banks are expected to reduce costs in various aspects. He is working hard on system development.
[0004]
On the other hand, services provided by banks include borrowing funds, that is, providing loans when purchasing real estate such as houses and condominiums or expensive products such as automobiles.
In the conventional loan procedure, first, a customer applies for a loan to a financial institution, and the financial institution performs a qualification examination of the customer in response to the application, and determines whether to accept the loan based on the screening result. To determine. In the qualification examination, personal information including the customer's income, loan application amount, debt status, past repayment status, and the like are examined, and it is determined whether the customer has a loan repayment ability. If the examination determines that you are eligible for a loan, the loan is accepted.
[0005]
[Problems to be solved by the invention]
However, unlike services such as balance / deposit / invoice check, transfer / transfer, and provision of various types of information, there is an immediate aspect of the loan procedure that is not familiar with Internet banking. In other words, a lot of information including personal privacy is required for qualification screening, and it is very difficult to transmit them through the Internet.
[0006]
On the other hand, the real estate industry is greatly affected by bank loan closing rates. In fact, a considerable percentage of real estate agents have reached the point before the contract and have to give up because they cannot borrow. In such a case, the expenses spent up to that point were wasted on the real estate agent. For the prospective contractor, the psychological and economic damage was substantial. In addition, financial institutions have been wasted on the cost of qualification screenings that do not pass.
[0007]
Accordingly, it is an object of the present invention to provide a service introduction system and a loan introduction system that can provide more accurate information on services that can be provided to users.
[0008]
[Means for Solving the Problems]
Therefore, the purpose of the present invention is to provide a service based on personal information on the Internet, and to provide a service to a user who is concerned about leakage of personal information, by downloading a program from the Internet and processing the personal information in a local personal computer. It is a mechanism to return only necessary results to the Internet after inputting information.
[0009]
This is referred to as a PPD system (the Protection of Personal Data system). In other words, the PPD system is a system in which various services received after providing personal information on the Internet are processed by downloading necessary programs in a personal computer and processing the personal information locally. This is a general term for a system that can check the contents of services without fear of leakage.
[0010]
The biggest feature is that there is no need to worry about leakage of personal information by deriving the examination result obtained from personal information on a local personal computer and returning it to the Internet. Of course, in order to enjoy the service formally, a separate formal registration (contract) is required, and at that time, the transfer of personal data occurs for the first time.
[0011]
First, the first advantage is that users do not have to worry about leakage of personal information. In other words, all personal data is processed in the local PC, so it does not leak to the Internet (ultimate security).
[0012]
Second, the number of users is expanding. In other words, the user avoids contact for service enjoyment due to the first situation described above, but the service request increases due to easy contact.
[0013]
Third, the service providing performance of the service provider is improved. In other words, the content for which the service can be determined after confirming the personal data may have to be finally rejected from the (judgment) result derived from the individual personal data even if the user wants to enjoy the service. Therefore, if the (judgment) result cannot be obtained from the beginning, it is not necessary to take unnecessary steps.
[0014]
From the above viewpoint, when reviewing the current Internet service, the service provider can achieve the purpose of acquiring simple personal information by inputting various types of personal information starting with member registration, but the user side (how much security Since the danger of personal information leaking to the Internet cannot be eliminated (although the system is robust), the chances of contact with the enjoyment of services will be far away.
[0015]
For the purpose of providing true service, individual personal data only needs to be collected at the time of formal registration (contract) or after formal registration (contract), and users can transfer individual personal information to a local personal computer. A PPD system that applies only the necessary results derived by operating safely within the system to the availability of services is an indispensable element for the future development of the Internet.
[0016]
The idea of the present invention is that the contact between the information transmitting side and the user side is equal. In other words, it is not the case that information is not issued unless personal information is given (currently almost in this form), but even if anonymous at first, it can be accepted as the first stage (if it is known that the person has such conditions). The next step is to provide personal information through subsequent exchanges, and if you reveal your identity, you will be able to enjoy the services you really need.
[0017]
On the information transmission side, we want to lower the threshold of the counter, but do not need access to the masses who do not become customers (in the sense of talking with customers). Also, from the user's point of view, the contact point is looking for a site that is easy to enter even if it does not describe the details in detail and that will follow thoroughly if it feels really necessary.
[0018]
In order to achieve the above object, according to one aspect of the present invention, a service introduction system including a server on the Internet that stores a homepage that provides information on a service provided according to personal information of a user, The homepage includes a link to an estimation program for estimating the content of a service provided based on the personal information, and can be downloaded from the homepage. Is executed in a window different from the window in which the user is browsing, includes an interface for inputting the personal information, and displays an estimate of the content of a service provided based on the input personal information.
[0019]
According to a preferred embodiment, the estimating program further includes an interface for launching e-mail software, and the estimating information excluding privacy-related in the input contents of the personal information is transmitted to the e-mail software. It is characterized in that the mail software is started in a state where it is entered on the editing screen.
[0020]
According to another aspect of the present invention, a loan introduction system including a server on the Internet that stores a homepage that provides information on a loan of a financial institution is provided on the homepage based on personal information of a loan applicant. A link to an estimation program for estimating the contents of the provided service is included and can be downloaded from the homepage, and the estimation program is different from a window in which the applicant is browsing the homepage. It is executed in a window and includes an interface for inputting the personal information, and displays an estimate of the content of a service provided based on the input personal information.
[0021]
According to yet another aspect of the present invention, a simulation program for estimating the amount of borrowable money for a loan of a financial institution is executed in a separate window from a homepage browsing program on the Internet, and information about the privacy of the user is provided. The interface includes an interface for inputting.
[0022]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram illustrating an overall configuration of a network including a loan introduction system according to the present embodiment. In this figure, the main network is an Internet network, and terminals 10 of an extremely large number of users are connected. The loan introduction system 20 according to the present embodiment generally includes a plurality of servers, and each server is connected to the Internet via a LAN (LOCAL AREA NETWORK) 30 and a route control device (router) 40. .
[0023]
As for the components inside each server and the method of connecting them, those of a general workstation or personal computer can be used as they are, and therefore, the details are omitted. In short, it is important that the loan introduction system 20 stores a homepage that enables the download of a mortgage loan amount simulation program as described below.
[0024]
Even now, there are banks that have opened homepages that simulate the mortgage borrowable amount. Applicants are able to estimate how much they can borrow.
[0025]
However, the bank's current homepage is not functioning well for securing customers. The reason is that, in the current simulation, the items required to be input as basic information are poor. Therefore, it is basically only an estimate of the borrowable amount based on annual income, and its reliability is poor.
In principle, it is possible to increase the number of items to be entered on the form to estimate the amount that can be actually borrowed, but this is not very effective. This is because qualification requires a lot of information, including personal privacy, and there is a reluctance to fill in these forms. Therefore, no home page with such a form exists at present.
[0026]
For example, in the case of implementation with JavaScript (registered trademark) as a browser plug-in, even if personal information can be input and processed locally, if the subsequent contact is transmitted in a CGI form, the content input in advance will be Anxiety that something is being operated behind the scenes cannot be wiped out. There is psychological resistance, even if there is nothing in fact.
[0027]
The program for the simulation (estimation) of the mortgage borrowable amount according to the present invention is implemented as a stand-alone program executed in a window different from the window in which the user is browsing the homepage, and is executed from the homepage of the real estate agent. It is linked directly so that it can be downloaded. In one method, a copy of the simulation program created by each bank or financial institution is kept on the server of the real estate agent, and a link is made to the copy. Another way is to link to the original on each bank or financial institution's server. The latter is preferred because the latest reliable program can be downloaded. The user clicks the link and downloads it to an appropriate location on the hard disk of the user's personal computer. Then, the simulation program is directly executed using a shell of the operating system (or an execution start code which is not a communication program).
[0028]
Then, a window as shown in FIG. 2 appears. This window contains input controls for the user to enter personal information. The user enters personal information and presses the execute button. Then, a simulation result is displayed. This input information includes information important for qualification screening as well as privacy, such as borrowing information, and the accuracy of the simulation result is higher than before.
[0029]
It should be noted that the input items of personal information shown in FIG. 2 are for the purpose of illustration, and in practice, it is very important to include all or nearly all the information necessary for the final decision on borrowing at a bank counter. Reliable results for the user.
[0030]
Further, the input content including the personal information disappears when this program ends, and it is possible to give a sense of security by checking that the input content is not saved on the hard disk. However, in order to save the trouble of inputting the same content again later, an option of saving the input content on the hard disk can be provided. For example, this is realized by arranging a button control such as “Save” in a window. Thereby, usability is further improved.
[0031]
The user confirms the result of the simulation, and clicks the “inquiry” link if he wants to make further inquiries to the bank. Then, as shown in FIG. 3, the standard mail software starts up, and the internal editor in which the transmission contents including the simulation result are already described is displayed. It does not include privacy information. The user further adds and sends the inquiry. Therefore, the mail is transmitted only with the information confirmed by the user, and the anxiety about the leakage of the personal information is solved.
[0032]
In some cases, it may be desirable to send all personal information to a financial institution in order to proceed with the contract more smoothly. In order to cope with such a situation, a link of “transmit and inquire about all information” can be provided. In such a case, it is usually desirable to use encryption such as SSL.
[0033]
In addition, as shown in FIG. 3, the transmission content includes an item of accuracy. This indicates the probability that the user can actually borrow, and is obtained from information regarding privacy. For example, the accuracy A is a case where it is considered that borrowing can be actually performed, and the accuracy B is a case where it is considered that a condition needs to be confirmed. From this information, the bank can immediately confirm the necessary conditions to the user, which saves time.
[0034]
The above system has the following effectiveness. First, this stand-alone program does not have a function of connecting to a network without permission, and informs the user of the fact by display. In fact, the same is true in the conventional mortgage loan amount simulation on the homepage, but the browser is a communication program, so it is not possible for users to directly input information including privacy into the communication program. There is a strong factor that makes you anxious. For example, when a simulation is performed, there is anxiety that the input contents may be transmitted to a server. In particular, ordinary users who are not familiar with technology have vague distrust. Even so, it is important to note that there are various bugs in the browser and it can be a direct target such as crackers.
[0035]
Therefore, the user can input even minute personal information to the simulation program without any difficulty. As a result, it is possible to present a highly reliable mortgage borrowable amount. The user contacts the real estate agent after recognizing the amount that can be borrowed by the user. In addition, real estate agents are less likely to be forced to abandon a project that has progressed to the point before the contract because they cannot borrow, thereby improving processing efficiency. Furthermore, the bank also performs qualification screening for prospective users, so that the processing efficiency is also improved.
[0036]
FIG. 4 shows the overall configuration of the above system for easy understanding. That is, each bank provides a mortgage borrowable amount simulation program. On the other hand, in effect, real estate agents will broker customers to banks. Further, the user, after grasping the borrowable amount more accurately than before, selects the property of the real estate agent and contacts the real estate agent by e-mail. After that, the real estate agent and the user exchange information with each other, and if they agree, proceed to the contract. On the other hand, apply for a bank.
[0037]
Although the present invention has been described in detail with reference to the embodiments, it is apparent to those skilled in the art that the present invention is not limited to the embodiments described in the present application.
The device of the present invention can be embodied as modified and changed embodiments without departing from the spirit and scope of the present invention defined by the claims. Therefore, the description of the present application is intended for illustrative purposes, and has no restrictive meaning to the present invention.
[0038]
That is, in FIG. 5, the main points of the present invention are generalized and collectively shown. In the above example, the case of borrowing a mortgage has been described, but the present invention is not limited to this and can be applied to various fields. For example, as shown in FIG. 6, the present invention can be applied to the case of recruiting a golf membership club. In other words, when registering a member club whose rank is determined by the conditions of the individual, the user can check in advance which rank the user himself or herself without presenting personal information, so that the number of registration opportunities increases. Also, as shown in FIG. 7, the present invention can be applied to medical (care) help. In this case, the medical side can stabilize management by having many points of contact with the patient.
[0039]
【The invention's effect】
As is clear from the above description, according to the present invention, since the database is distributed and constructed in a plurality of files by the character code at the head of the keyword, full-text search can be performed at high speed, and In addition, it is possible to reduce the size of the mounting system to a feasible range.
[Brief description of the drawings]
FIG. 1 is a block diagram illustrating an overall configuration of a network including a service introduction system according to the present invention.
FIG. 2 shows an execution screen of a simulation program used in the loan introduction system according to the present invention.
FIG. 3 shows an internal editor of mail software called from an execution screen of a simulation program used in the loan introduction system according to the present invention.
FIG. 4 is a block diagram illustrating an overall configuration of a loan introduction system according to the present invention.
FIG. 5 is a block diagram illustrating a general configuration of a service introduction system according to the present invention.
FIG. 6 is a block diagram illustrating the configuration of a service introduction system for a golf membership club according to the present invention.
FIG. 7 is a block diagram illustrating a configuration of a medical facility service introduction system according to the present invention.
[Explanation of symbols]
10 User terminal 20 Loan introduction system 30 LAN
40 Route control device

Claims (5)

A service introduction system comprising a server on the Internet that stores a homepage that provides information on services provided according to personal information of a user,
The homepage includes a link to an estimation program for estimating the content of a service provided based on the personal information, and can be downloaded from the homepage.
The estimation program is executed in a window different from a window in which a user is browsing the homepage, and includes an interface for inputting the personal information, and is provided based on the input personal information. A service introduction system that displays an estimate of the contents of the service. The estimating program further includes an interface for starting up e-mail software, and the e-mail software is input to the editing screen of the e-mail software, with the estimating information except for privacy in the input contents of the personal information being input. The service introduction system according to claim 1, wherein the service introduction system is started. A loan introduction system comprising a server on the Internet that stores a homepage that provides information on loans of financial institutions,
The home page includes a link to an estimation program for estimating the contents of services provided based on the personal information of the loan applicant, which can be downloaded from the home page,
The estimation program is executed in a window different from the window in which the applicant is browsing the homepage, includes an interface for inputting the personal information, and is provided based on the input personal information. A loan introduction system that displays an estimate of the service content. The estimating program further includes an interface for starting up e-mail software, and the e-mail software is input to the editing screen of the e-mail software, with the estimating information except for privacy in the input contents of the personal information being input. The loan introduction system according to claim 3, wherein the loan introduction system is set up. A simulation program for estimating a borrowable amount for a loan of a financial institution, wherein the simulation program is executed in a window different from a homepage browsing program on the Internet, and includes an interface for inputting information regarding a user's privacy. Simulation program.

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