JP2005100010A - Unmanned contract system and method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a customer to execute the payment procedure of borrowed money by using a charge collection proxy service in a store such as a convenience store near the customer's house or office in order to allow the customer to conveniently execute the payment procedure of borrowed money in a short period of time without feeling any trouble. <P>SOLUTION: This system is provided with an unmanned contract terminal 11 having a reading means to be operated by a customer and a host device in which customer data received from the unmanned contract terminal 11 and borrowed money payment information are registered. The unmanned contract terminal 11 transmits the card information of a card for a charge collection proxy service read by the reading means to the host device, and the host device registers the card information. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an unattended contract system and method.

  Conventionally, financial institutions such as banks, credit unions, consumer finance companies, credit sales companies, unsecured loan terminals and unattended cards installed in convenience stores, store stores such as supermarkets, parking lots, roadsides, etc. An unmanned contract terminal such as a loan terminal is operated by a customer himself to make a contract such as an unsecured loan or a card loan (see, for example, Patent Document 1).

  In this case, the unmanned contract terminal disposed in the financial institution, the store, etc. is connected to the operation management server, operator terminal, etc. disposed in the operation management center in the unmanned contract system so as to be communicable via a network. Yes. The operation management server monitors whether or not the operation of each unmanned contract terminal is normal, and controls the operation of the entire unmanned contract system. An operator in the operation management center corresponds to a customer who operates the unmanned contract terminal by operating the operator terminal.

  Then, the customer operates the unmanned contract terminal to execute a procedure necessary for making a loan contract such as an unsecured loan or a card loan.

  First, when the customer starts operating the unattended contract terminal, the contents of the unsecured loan, the card loan, etc. and the guidance on the contract procedure are displayed on the display means of the unattended contract terminal. In addition, guidance may be performed by voice from voice output means such as a speaker. Subsequently, the customer operates the input means of the unmanned contract terminal to apply for a contract, and then executes the identity verification procedure. When the identity verification is completed, the customer's credit information is examined at the operation management center. Here, if the examination is passed, the customer makes a loan contract by causing an unattended contract terminal to read a contract describing necessary items.

  In this way, the customer does not need to go to the financial institution's window by operating the unmanned contract terminal, so it is time-consuming and can quickly make a loan contract such as an unsecured loan or a card loan. Can do.

A customer who has concluded a loan contract such as an unsecured loan or a card loan operates an ATM (Automatic Teller Machine) installed in the financial institution or store using the loan card. The loan repayment procedure is to be executed. In addition, the customer can also execute a repayment procedure for the borrowed money at a financial institution window as necessary.
JP-A-10-254949

  However, in the conventional unattended contract system, in order to execute the repayment procedure for the borrowed money, the customer needs to visit an ATM or a financial institution provided in a financial institution or a store within a predetermined business hours. was there. Therefore, it takes time and effort, and the customer feels troublesome. In particular, if the ATM location or the financial institution is away from the customer's residence, workplace, etc., it will take a considerable amount of time to complete the debt repayment procedure.

  As described above, since it takes time or troublesome to execute the repayment procedure for the borrowing, the repayment of the borrowing tends to be delayed and may not be in time for the repayment date. In this case, for the customer, the burden of interest payment for delaying repayment increases, and the social credit deteriorates. For financial institutions, the risk of not being able to collect funds increases.

  The present invention solves the problems of the conventional unattended contract system and executes a repayment procedure for borrowings using a charge storage agency service at a store such as a convenience store near a customer's residence or workplace. It is an object of the present invention to provide an unmanned contract system and method capable of executing a repayment procedure for a borrowing easily and in a short time without feeling troublesome for a customer.

  For this purpose, the unmanned contract system of the present invention comprises a reading means, and includes an unmanned contract terminal operated by a customer, and a host device for registering customer data and borrowing repayment information received from the unattended contract terminal, The unattended contract terminal transmits the card information of the charge storage proxy service card read by the reading means to the host device, and the host device registers the card information.

  In another unmanned contract system of the present invention, the host device is connected to a charge storage agency service server, and transmits billing information based on the loan repayment information to the charge storage agency service server.

  In still another unmanned contract system of the present invention, the host device is connected to a charge storage agency service server and updates borrowing repayment information based on the storage information received from the charge storage agency service server.

  In still another unmanned contract system of the present invention, the charge storage agent service server is connected to a store terminal disposed in a store store, and transmits the billing information received from the host device to the store terminal. The storage information received from the store terminal is transmitted to the host device.

  In still another unmanned contract system according to the present invention, the storage information further includes information indicating that the repayment amount has been stored and an ID number assigned to the charge storage agency service card.

  In the unmanned contract method of the present invention, in the unmanned contract system, comprising reading means, an unattended contract terminal operated by a customer, and a host device for registering customer data and borrowing repayment information received from the unattended contract terminal, The unattended contract terminal transmits the card information of the charge storage proxy service card read by the reading means to the host device, and the host device registers the card information.

  In another unattended contract method of the present invention, the host device is connected to a charge storage agency service server, and transmits billing information based on the borrowing repayment information to the charge storage agency service server.

  In still another unmanned contract method of the present invention, the host device is connected to a charge storage agency service server and updates borrowing repayment information based on the storage information received from the charge storage agency service server.

  In still another unmanned contract method of the present invention, the charge storage agent service server is connected to a store terminal disposed in a store store, and transmits the billing information received from the host device to the store terminal. The storage information received from the store terminal is transmitted to the host device.

  In still another unmanned contract method of the present invention, the storage information further includes the fact that the repayment amount is stored and the ID number assigned to the charge storage service card.

  In the unmanned contract terminal of the present invention, it has a loan card issuing means for issuing a loan card, a reading means, and an input means for performing a contract procedure by operating by a customer, customer data input by the customer, and loan repayment The information and the card information of the charge storage agency service card read by the reading means are transmitted to the host device, and when the contract procedure is completed, a loan card is issued.

  According to the present invention, the customer can execute the debt repayment procedure using the charge storage agency service at a store such as a convenience store close to his / her own residence or work place. Without feeling, you can easily execute the loan repayment procedure in a short time.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram showing a configuration of an unmanned contract system according to an embodiment of the present invention, and FIG. 2 is a diagram showing a configuration of an unmanned contract terminal according to an embodiment of the present invention.

  In FIG. 1, reference numeral 10 denotes an unattended contract system, which includes an unattended contract terminal 11, an operator terminal 12, an operation management server 13, a host 14 as a host device, and an ATM 16. The number of unmanned contract terminals 11 and ATMs 16 is usually a plurality, and can be arbitrarily set.

  Here, the unmanned contract terminal 11 is an unsecured loan that is operated by a customer of a financial institution such as a bank, a credit union, a consumer finance company, a credit sales company, etc., in order to make a loan contract such as an unsecured loan or a card loan. Although it is a terminal, an unmanned card loan terminal, etc., it may be a multi-function terminal having other functions such as opening a new account, accepting an address change notification, issuing a passbook. The unmanned contract terminal 11 is a private store such as a head office, branch, etc. of a financial institution, a store such as a convenience store, a supermarket, a department store, a station premises, an underground mall, a city hall, a public facility such as a hospital, a factory, an office, etc. It may be arranged in any place such as a company, a parking lot, an outdoor roadside, etc.

  The unmanned contract terminal 11 includes loan card issuing means for issuing a loan card. Further, the unmanned contract terminal 11 may have an ATM function. In this case, by operating the unattended contract terminal 11, the customer can use financial services such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and periodic deposit setting.

  The unmanned contract terminal 11 is a kind of computer provided with a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means for communication, and the like, as shown in FIG. In addition, an image scanner device 21 as a reading means for reading an identification card, a contract, etc., an input means such as a touch panel, a display means such as a CRT, a liquid crystal display, an LED (Light Emitting Diode) display, and an input such as a touch switch It has the touch panel display 22 which combines a means. Furthermore, the unmanned contract terminal 11 includes a voice output means such as a speaker for voice guidance, a voice input means such as a microphone for inputting customer voice, a camera for shooting a customer still image or moving image, It is desirable to have photographing means such as a CCD (Charge Coupled Device) device.

  The unmanned contract terminal 11 includes a card issuing machine for issuing a loan card, a credit card, and the like. Further, when the unattended contract terminal 11 has an ATM function, a card handling device that handles cards such as a cash card, a credit card, an IC card, a printing device that issues a transaction statement, a contract, etc., a deposit It has a passbook entry device that writes in a passbook such as a passbook, and a money deposit and withdrawal device that handles banknotes or money. The money deposit / withdrawal device receives and counts the cash deposited by customers in payment procedures such as financial transactions such as deposits and repayments of borrowings, and the specified amount of money in payment procedures such as financial transactions such as withdrawals and borrowings of cash. Pay out money or coins.

  The unmanned contract terminal 11 is communicably connected to the network 15. Here, the network 15 may be any wireless or wired dedicated communication network or public communication network, the Internet, a LAN (Local Area Network), a WAN (Wide Area Network), or the like. The network 15 may be a VPN (Virtual Private Network) using a public communication line network.

  The network 15 is communicably connected to an ATM 16 disposed at a branch of a financial institution such as a bank, a credit union, a consumer financial company, a credit sales company or the like. The ATM 16 is a device that is operated by a customer of the financial institution to use financial services such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and periodic deposit setting. The ATM 16 may be a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like.

  The ATM 16 includes input means such as a keyboard, a touch panel, and a mouse, and display means such as a CRT, a liquid crystal display, and an LED display. In addition, in order to make it easy for the customer to perform an operation, it is desirable that a touch panel including a liquid crystal display having the functions of the display unit and the input unit is provided as the input unit. In addition, the ATM 16 is a card handling device that handles cards such as cash cards, credit cards, IC cards, loan cards, a printing device that issues transaction statements, a passbook entry device that writes in a passbook such as a bank passbook, banknotes or coins Has a money deposit and withdrawal device. The money deposit / withdrawal device receives and counts the cash deposited by customers in payment procedures such as financial transactions such as deposits and repayments of borrowings, and the specified amount of money in payment procedures such as financial transactions such as withdrawals and borrowings of cash. Pay out banknotes or coins.

  The operator terminal 12 disposed in the operation management center in the unmanned contract system 10 is communicably connected to the network 15. Here, the operator terminal 12 is a computing means such as a CPU or MPU, a storage means such as a magnetic disk or a semiconductor memory, an input means such as a keyboard, a mouse or a touch panel, a display means such as a CRT or a liquid crystal display, a communication means, a microphone. Or the like, a sound output means such as a speaker, a printing machine or the like. An operator in the operation management center operates the operator terminal 12 to correspond to a customer who operates the unmanned contract terminal 11.

  An operation management server 13 is communicably connected to the network 15. The operation management server 13 is a computer provided with arithmetic means such as a CPU and MPU, storage means such as a magnetic disk and a semiconductor memory, a communication interface, etc., and monitors whether or not the operation of each unmanned contract terminal 11 is normal. In addition, the overall operation of the unmanned contract system 10 is controlled. The operation management server 13 may be a large general purpose machine, a personal computer, or a workstation. Further, the operation management server 13 may be configured independently or may be a distributed server in which a plurality of servers are organically coupled. Furthermore, the operation management server 13 may be configured integrally with another computer, or may be one of a plurality of systems constructed in a large computer.

  The host 14 is communicably connected to the operator terminal 12 and the operation management server 13. The host 14 is a computer provided with arithmetic means such as CPU and MPU, storage means such as magnetic disk and semiconductor memory, input means such as keyboard and mouse, display means such as CRT and liquid crystal display, communication means and the like. The host 14 stores customer data such as customer account data and a personal identification number. The host 14 may be configured independently, or may be a distributed server in which a plurality of servers are organically coupled. The host 14 may be configured integrally with another computer, for example, the operation management server 13, or may be one of a plurality of systems constructed in a large computer. May be.

  Further, the host 14 also functions as an account host, and performs account-related operations in financial institutions such as financial processing such as deposit, withdrawal, transfer, and passbook entry. Then, the host 14 registers customer data such as customer account data and a personal identification number in the storage means, and grants cash withdrawal permission based on the information during the payment procedure such as cash borrowing. The data is transmitted to the contract terminal 11 and the ATM 16.

  In the present embodiment, the operator terminal 12, the operation management server 13, and the host 14 are connected via a network 18 to a charge storage agent service server 17 in the charge storage agent service system. The charge storage agency service system is a system for allowing a customer using mail order, internet shopping, etc. to pay a fee at a store 27, which will be described later, such as a convenience store. Act on behalf of storing charges. In this case, the customer carries a charge storage agency service card 26, which will be described later, and notifies a pre-registered ID number when applying for purchase of goods using mail order, Internet shopping, or the like. The ID number is assigned to each of the charge storage agency service cards 26, and an ID number display code such as a barcode indicating an ID number or a QR (Quick Response) code is provided for the charge storage agency service. Is displayed on the surface of the card 26 for use. After the purchase application, the charge storage agency service card 26 is presented at a nearby store 27 to pay for the product. Further, when storing charges at the store 27, the store terminal 28 described later reads the ID number of the charge storage service card 26 and stores the ID number and the ID into the charge storage service server 17. Notify the fee amount. At a later date, the fee is settled between a person who operates the charge storage agency service system and a person who sells products or the like by mail order or Internet shopping. Therefore, compared with Internet shopping using a credit card, personal information does not leak and security is high.

  As such a charge storage agency service system, for example, there is a system called Smart Pit (R) provided by NTT Comware Corporation. In this system, a card referred to as a smart pit (R) card with a barcode indicating an ID number is used as a charge storage agency service card 26 so that charges can be paid at a number of convenience stores. It has become.

  The host 14 functions as a charge storage agent service information registration terminal, and registers card information such as the ID number of the charge storage agent service card 26 possessed by the customer in the storage means.

  The charge storage agency service server 17 includes a calculation means such as a CPU and an MPU, a storage means such as a magnetic disk and a semiconductor memory, an input means such as a keyboard and a mouse, a display means such as a CRT and a liquid crystal display, and a communication means. And a computer managed by a person who operates the charge storage agency service system. Then, the charge storage agent service server 17 executes processing such as reception of the ID number, stored charge amount, etc., and charge settlement. The charge storage agency service server 17 may be configured independently or may be a distributed server in which a plurality of servers are organically combined. The charge storage agency service server 17 may be configured integrally with another computer, or may be one of a plurality of systems constructed in a large computer. .

  Further, the network 18 may be any wireless or wired dedicated communication line network or public communication line network, the Internet, a LAN, a WAN, or the like, or a VPN using the public communication line network.

  Next, the operation of the unmanned contract system 10 having the above configuration will be described. First, the operation when performing the contract procedure will be described.

  FIG. 3 is a flowchart showing the operation when the contract procedure is performed in the embodiment of the present invention.

  First, when the customer starts operation of the unmanned contract terminal 11, guidance on the contents of the unsecured loan, card loan and the contract procedure is displayed on the touch panel display 22 of the unattended contract terminal 11. In addition, guidance may be performed by voice from voice output means such as a speaker. Then, the customer operates the touch panel display 22 as input means of the unmanned contract terminal 11 and starts applying for a loan contract. Thereby, the unattended contract terminal 11 starts a transaction. The operator terminal 12 also receives the fact that the unmanned contract terminal 11 has started a transaction and starts the transaction.

  Subsequently, the customer causes the image scanner device 21 to read a loan contract application form in which necessary items such as an address and a name are entered. The image file of the application form read by the image scanner device 21 is transmitted to the operator terminal 12 together with the application form confirmation request. It is also possible to apply for a loan contract without causing the image scanner device 21 to read the application form. In this case, when the customer completes the application form by inputting necessary items in the input field of the application form displayed on the touch panel display 22 of the unmanned contract terminal 11, the contents of the application form are displayed together with the application form confirmation request. It is transmitted to the operator terminal 12.

  Then, the operator in the operation management center confirms the contents of the application form displayed on the display means of the operator terminal 12. When the operator determines that the application form is complete, that is, all necessary items have been entered, a notification of application form confirmation is transmitted from the operator terminal 12 to the unmanned contract terminal 11. Then, a request for presenting a certificate such as a driver's license or a passport is displayed on the touch panel display 22 of the unmanned contract terminal 11. When the operator determines that the application form is incomplete, that is, some necessary items have not been filled in, a notification that the application form is not confirmed is transmitted from the operator terminal 12 to the unmanned contract terminal 11. Then, after the application form is completed on the touch panel display 22 of the unattended contract terminal 11, a request to read the application form again by the image scanner device 21 is displayed. The necessary items entered in the application form are transmitted to the host 14 as customer data and registered.

  Subsequently, when the customer causes the image scanner device 21 to read the identification card, the image file read by the image scanner device 21 is transmitted from the unattended contract terminal 11 to the operator terminal 12 together with the identification card confirmation request. . Then, the operator in the operation management center confirms the contents of the identification card displayed on the display means of the operator terminal 12. In this case, the photographing means of the unmanned contract terminal 11 captures and acquires a customer's still image or moving image, that is, a customer image. Subsequently, the unmanned contract terminal 11 transmits the acquired customer image to the operator terminal 12. Then, the operator compares the customer image displayed on the display means of the operator terminal 11 with the face photo of the identification card, and confirms that the customer is the person himself / herself. Here, if the operator determines that the identification card is appropriate, that is, that the customer has been confirmed to be the person himself / herself, a notification of identification card confirmation is transmitted from the operator terminal 12 to the unmanned contract terminal 11. Then, the fact that the identity has been confirmed is displayed on the touch panel display 22 of the unmanned contract terminal 11. Further, an identification card is returned from the image scanner device 21 to the customer.

  If the operator determines that the identification card is inappropriate, that is, that the customer cannot be confirmed, the operator terminal 12 sends a notification of unidentified identification card to the unmanned contract terminal 11. Then, since the identity cannot be confirmed on the touch panel display 22 of the unmanned contract terminal 11, a message indicating that the transaction is to be stopped is displayed. Further, an identification card is returned from the image scanner device 21 to the customer.

  Subsequently, when the customer selects a selection means for requesting examination of the credit information displayed on the touch panel display 22 of the unattended contract terminal 11, the examination request is transmitted from the unattended contract terminal 11 to the operator terminal 12. Then, the customer's credit information is examined at the operation management center. When the examination is completed, an examination result knowledge is transmitted from the operator terminal 12 to the unmanned contract terminal 11. Here, if the examination result is OK, that is, if the examination is passed, a question is displayed on the touch panel display 22 of the unmanned contract terminal 11 as to whether or not the customer has the charge storage agency service card 26. . If the examination result is not OK, that is, if the examination is not passed, the fact that the examination is not passed is displayed on the touch panel display 22 of the unattended contract terminal 11, and the transaction is terminated.

  When the customer possesses the charge storage agency service card 26 and intends to execute the debt repayment procedure at the store 27 such as a convenience store using the charge storage agency service card 26, The image scanner device 21 is caused to read the charge storage proxy service card 26. Then, the image file of the charge storage proxy service card 26 read by the image scanner device 21 is transmitted from the unattended contract terminal 11 to the operator terminal 12 together with the card information registration request. The operator terminal 12 recognizes an ID number display code such as a barcode or QR code included in the image file of the charge storage service card 26 and transmits the ID number indicated by the ID number display code to the host 14. . As a result, the card information of the charge storage agency service card 26 and information that the repayment of the borrowing is performed using the charge storage agency service card 26 are registered in the host 14. Note that the ID number display code included in the image file of the charge storage proxy service card 26 may be recognized by the unmanned contract terminal 11. In this case, the ID number is transmitted from the unattended contract terminal 11 to the operator terminal 12 together with the card information registration request instead of the image file of the charge storage proxy service card 26.

  Subsequently, the customer makes a contract by causing the image scanner device 21 of the unattended contract terminal 11 to read a contract describing necessary items. Then, the image file of the contract read by the image scanner device 21 is transmitted from the unmanned contract terminal 11 to the operator terminal 12 together with the contract confirmation request. In addition, when the repayment of the loan is made using the charge collection agency service card 26, the conditions such as the number of repayments, the repayment date of each repayment, and the amount of repayment of each repayment should be clearly stated in the contract. desirable. Subsequently, the operator in the operation management center confirms the contract displayed on the display means of the operator terminal 12. When the operator confirms the contract, a notice of contract confirmation is transmitted from the operator terminal 12 to the unmanned contract terminal 11. The borrowing amount, the number of repayments, each repayment date, each repayment amount, etc. are transmitted to the host 14 and registered as borrowing repayment information.

  Subsequently, an instruction to input a password is displayed on the touch panel display 22 of the unmanned contract terminal 11. Then, the password entered by the customer by operating the touch panel display 22 as input means is transmitted to the operator terminal 12. In this case, from the viewpoint of security, the password is preferably transmitted to the operator terminal 12 in a scrambled state.

  Subsequently, the operator of the operation management center operates the operator terminal 12, connects to the host 14, transmits the customer's account data and password to the host 14, and obtains the customer's account data and password. Register as data. When registration of the customer account data and password is completed, the operator terminal 12 returns account data such as the loan repayment destination store number, subject, and account number to the unmanned contract terminal 11.

  Then, the fact that the contract has been completed is displayed on the touch panel display 22 of the unmanned contract terminal 11, a loan card is issued from the card issuing means of the unattended contract terminal 11, and the transaction is terminated. The storage means such as magnetic stripe and IC provided in the loan card stores customer account data, personal identification number, and the like. Thereby, the customer can acquire cash by using a loan card and operating an ATM arranged in the financial institution, a store or the like.

  The unmanned contract terminal 11 may have a function of issuing a charge storage agency service card 26. In this case, even if the customer does not have the charge storage agent service card 26, the customer intends to repay the borrowed money at the store 27 such as a convenience store using the charge storage agent service card 26. In this case, the charge storage proxy service card 26 issued from the unmanned contract terminal 11 can be acquired.

Next, a flowchart will be described.
Step S1: The unmanned contract terminal 11 starts a transaction.
Step S2: The operator terminal 12 starts a transaction.
Step S3 The image scanner device 21 of the unmanned contract terminal 11 reads the application form.
Step S4 The unattended contract terminal 11 transmits an application form confirmation request to the operator terminal 12.
Step S5 The operator confirms the application form.
Step S6 The image scanner device 21 of the unmanned contract terminal 11 reads the identification card.
Step S7 The unmanned contract terminal 11 sends an identification confirmation request to the operator terminal 12.
Step S8 The operator confirms the identification card.
Step S9 The customer requests examination.
Step S10: The examination request is transmitted to the operator terminal 12.
Step S11 An examination is performed in the operation management center.
Step S12: Send the examination result to the unattended contract terminal 11.
Step S13: It is confirmed whether or not the examination is OK. If the examination is OK, the process proceeds to step S14. If the examination is not OK, the transaction is terminated.
Step S14: It is confirmed whether or not the charge storage proxy service card 26 is possessed. If the charge storage proxy service card 26 is possessed, the process proceeds to step S15. If the charge storage proxy service card 26 is not possessed, the process proceeds to step S19.
Step S15 The image scanner device 21 of the unmanned contract terminal 11 reads the charge storage service card 26.
Step S16: A card information registration request is transmitted to the operator terminal 12.
Step S17: Recognize the ID number display code.
Step S18 Card information and the like are registered in the host 14.
Step S19 The customer makes a contract by causing the image scanner device 21 of the unmanned contract terminal 11 to read the contract.
Step S20 The unmanned contract terminal 11 transmits a contract confirmation request to the operator terminal 12.
Step S21 The operator confirms the certificate contract and ends the transaction.
Step S22 The unmanned contract terminal 11 issues a loan card and ends the transaction.

  Next, an operation in which the customer repays the borrowed money using the charge storage agency service system will be described.

  FIG. 4 is a diagram showing the configuration of the charge storage agency service system in the embodiment of the present invention.

  In FIG. 4, 27 is a store such as a convenience store, and a store terminal 28 is provided. It is assumed that the person who operates the store 27 has signed a contract with the person who operates the charge storage service system and participates in the charge storage service system. The store terminal 28 is preferably a POS (Point of Sales) terminal disposed at the cash register of the store 27, but can recognize the ID number display code of the charge storage agency service card 26. Any device including a code reading device and communication means connectable to the network 29 may be used. For example, a ticket reservation function, a product purchase application function, a credit card credit confirmation function, and a facility information guidance function A multi-function terminal such as a kiosk terminal having the above may be used. Note that although there are actually a plurality of store stores 27 and store terminals 28, FIG. 4 shows one each for convenience of explanation.

  The network 29 is connected to the charge storage agency service server 17 so that it can communicate with the store terminal 28. The network 29 may be any wireless or wired dedicated communication line network or public communication line network, Internet, LAN, WAN, or VPN using the public communication line network.

  Here, reference numeral 25 denotes a customer who has made a loan contract by the unmanned contract system 10 and has a charge storage agency service card 26. Then, when the repayment date determined in the loan contract is reached, as shown by the arrow A, bring the charge storage agent service card 26 and cash more than the repayment amount determined in the loan contract, and send it to the store 27 Go out. In this case, the customer 25 can go to any store 27 as long as it is a store 27 participating in the charge storage agency service system. Therefore, the customer 25 can go to a store 27 that is convenient for him / her, such as a store 27 that is close to his / her residence, workplace, and the like.

  Subsequently, at the store store 27, the customer 25 presents a charge storage agency service card 26 owned by the customer 25 to the store clerk of the store store 27. The store clerk operates the code reading device of the store terminal 28 to read the ID number display code displayed on the surface of the charge storage proxy service card 26. Then, as indicated by arrow B, the shop terminal 28 accesses the charge storage agency service server 17 via the network 29 and requests billing information corresponding to the ID number indicated by the ID number display code. Then, as shown by arrow C, the charge storage agency service server 17 accesses the host 14 via the network 18 and requests the billing information. In this case, the host 14 searches for the customer 25 corresponding to the ID number, creates billing information based on the borrowing repayment information of the customer 25 already registered, and transmits it to the charge storage agency service server 17. . The billing information is a repayment date, a repayment amount, etc. determined in the loan contract. The billing information is transmitted from the charge storage agency service server 17 to the store terminal 28.

  Then, the store clerk of the store 27 confirms the billing information displayed on the display means of the store terminal 28, and receives and stores cash corresponding to the repayment amount determined in the loan contract from the customer 25. Thereby, the repayment procedure of the loan by the customer 25 is completed. Then, when the store clerk operates the input means of the store terminal 28 and inputs that the repayment amount has been stored, the fact that the repayment amount has been stored is transmitted to the charge storage agency service server 17 as storage information. The storage information includes an ID number indicated by an ID number display code.

  Further, the charge storage agent service server 17 transmits the storage information to the host 14 via the network 18. Then, on the basis of the received storage information, the host 14 performs the accounting-related business on the assumption that the repayment amount determined in the loan contract from the customer 25 is repaid on the repayment date. In this case, the host 14 updates the loan repayment information of the registered customer 25. The settlement of the stored repayment amount will be made at a later date.

  Thus, in the present embodiment, when the customer 25 makes a loan contract, the customer 25 registers the ID number of the charge storage agency service card 26 such as the smart pit (R) card that the customer 25 possesses, At a store 27 such as a convenience store that is unevenly located in a convenient place such as a place close to its own residence or work place, the repayment procedure for the borrowing is executed using the charge storage agency service card 26 be able to.

  Therefore, the customer 25 can execute the repayment procedure for the borrowed money in a short time without feeling bothered. Therefore, since the repayment procedure of the borrowing is not delayed, the customer 25 does not need to pay the interest payment amount for delaying the repayment, and the social credit is not lost. For financial institutions, there is no increase in the risk of unavailability of funds.

  In addition, an act of paying a fee at a store 27 such as a convenience store has become common due to payment of a utility fee or Internet shopping fee. Therefore, by repaying the borrowed money at the store 27, the customer 25 is given a sense of security that the borrower is not known to others by a financial institution such as a bank, a credit union, a consumer finance company, or a credit sales company. be able to.

  Furthermore, since the loan card is issued from the card issuing means of the unmanned contract terminal 11, the loan card can be used to operate the ATM 16 to execute the loan repayment procedure. Therefore, convenience for the customer 25 is improved.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a figure which shows the structure of the unmanned contract system in embodiment of this invention. It is a figure which shows the structure of the unmanned contract terminal in embodiment of this invention. It is a flowchart which shows the operation | movement in the case of performing the contract procedure in embodiment of this invention. It is a figure which shows the structure of the charge storage agency service system in embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Unattended contract system 11 Unattended contract terminal 14 Host 17 Charge storage agency service server 21 Image scanner apparatus 22 Touch panel display 25 Customer 26 Card for charge storage agency service 27 Shop 28 Shop terminal

Claims (11)

(A) provided with reading means, having an unmanned contract terminal operated by a customer, and a host device for registering customer data and loan repayment information received from the unattended contract terminal,
(B) The unattended contract terminal transmits the card information of the charge storage agency service card read by the reading unit to the host device,
(C) The unsigned contract system, wherein the host device registers the card information. 2. The unmanned contract system according to claim 1, wherein the host device is connected to a charge storage agency service server and transmits billing information based on the borrowing repayment information to the charge storage agency service server. The unmanned contract system according to claim 1 or 2, wherein the host device is connected to a charge storage agency service server and updates borrowing repayment information based on the storage information received from the charge storage agency service server. The charge storage agency service server is connected to a store terminal disposed in a store, transmits billing information received from the host device to the store terminal, and stores information received from the store terminal to the host device. The unmanned contract system according to claim 2 or 3, wherein the unmanned contract system is transmitted. 5. The unmanned contract system according to claim 3 or 4, wherein the storage information includes information indicating that the repayment amount has been stored and an ID number assigned to the charge storage agency service card. (A) In an unmanned contract system that includes a reading unit and includes an unmanned contract terminal operated by a customer and a host device that registers customer data and borrowing repayment information received from the unattended contract terminal.
(B) The unattended contract terminal transmits the card information of the charge storage agency service card read by the reading unit to the host device,
(C) The unattended contract method, wherein the host device registers the card information. 7. The unmanned contract method according to claim 6, wherein the host device is connected to a charge storage agency service server and transmits billing information based on the borrowing repayment information to the charge storage agency service server. The unmanned contract method according to claim 6 or 7, wherein the host device is connected to a charge storage agency service server and updates borrowing repayment information based on the storage information received from the charge storage agency service server. The charge storage agency service server is connected to a store terminal disposed in a store, transmits billing information received from the host device to the store terminal, and stores information received from the store terminal to the host device. The unmanned contract method according to claim 7 or 8, wherein the method is transmitted. The unattended contract method according to claim 8 or 9, wherein the storage information includes information indicating that the repayment amount has been stored and an ID number assigned to the charge storage agency service card. (A) a loan card issuing means for issuing a loan card;
(B) reading means;
(C) having an input means for a customer to operate and perform a contract procedure;
(D) sending the customer data input by the customer, the loan repayment information, and the card information of the charge storage agency service card read by the reading means to the host device;
(E) An unmanned contract terminal that issues a loan card upon completion of a contract procedure.

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