JP2005115902A - Loan procedure support system and loan procedure support method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a consumer to freely select a financial organization, a payment method and the like; and to prevent personal information of an applicant from leaking through a sales outlet. <P>SOLUTION: An examination part 11 creates examination result data by receiving credit data from an applicant client 30, and stores the result data in an examination result data storage device 14. A password creation part 13 creates two passwords such as a business talk password and a contract password and transmits them to the applicant client 30. The applicant can show the examination result data to the sales outlet side by making an examination result transmission part 15 transmit the examination result data read from the storage device 14 by inputting the business talk password from a sales outlet client 40 during the business talk. When the business talk is finalized, approval/disapproval of of the loan is immediately determined by a loan approval/disapproval determination part 16 by inputting the contract password and contract condition data, and the content of a loan contract is transmitted from a loan approval part 17 if the loan is possible. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a loan procedure support system and a loan procedure support method that are used when a financial institution makes a loan mainly for payment for goods and services. The present invention relates to a lending procedure support system and a lending procedure support method suitable for a business negotiation with a person.

  In order to make up for the shortage of self-financing, those who want to purchase goods and services receive loans from financial institutions. There are various types of loans, such as loans and leases, but depending on the items sold and the types of sales, there are cases where the range of choices permitted by consumers for the types of loans and financial institutions is very limited. Typically, when a car is purchased with a loan, there is a fact that it cannot be practically used except for a specific loan form by a specific financial institution with which a dealer is affiliated. In other words, when using a financial institution other than the dealer tie-up, the consumer is forced to take a considerable amount of time and labor for the complicated business processing among the financial institution, the dealer, and the land transport station. In addition, the customer must disclose personal information in the loan contract, and a purchasing method in which a number of products are actually confirmed at a plurality of dealers and a favorite product is selected from them. If the method is adopted, there is a high risk that personal information will be leaked, and there is a risk that the personal information will be diverted to sales activities by malicious dealers. As a result, restrictions on loans by dealers hinder free sales competition in the industry and reduce consumers' willingness to purchase.

  Japanese Patent Laid-Open No. 2001-142964 discloses a system for obtaining a loan or lease contract for a product as a system in which an estimate result can be obtained quickly and accurately even when a customer negotiates a loan or lease contract for an automobile or the like without going to a store. A mobile phone for inputting estimation conditions, a server connected to the mobile phone via a public line and the Internet and installed in a company serving as a product provider, and connected to the server via a public line and the Internet And an output device composed of a facsimile or a printer that is installed at the negotiation site of the estimated contract and outputs the estimated result. The server receives the estimated condition and the data transmission request from the mobile phone, and the estimated condition. The data storage unit in which the estimated data is stored and the estimation condition received based on the estimation condition received by the information receiving unit. A data acquisition unit for acquiring data Ri, configuration and an information transmitting unit that transmits a transmission request is made data to the cellular phone or the output device is disclosed.

Japanese Patent Application Laid-Open No. 2002-230289 discloses a vehicle price legitimacy created by a server company as a car loan preliminary examination system that simplifies car loan procedures, shortens time, and prevents unauthorized loans. Price legitimacy review information that includes items to be reviewed and information necessary for the review, loan credit review information that includes items to be reviewed and information necessary for the review, and the respective review programs When the storage medium is mounted on a computer terminal device, the operation of the computer terminal device displays items for examining the validity of the price of the automobile and items for examining the loan credit on the terminal screen. The user is prompted to enter information required by the item, the input information is examined on the computer terminal device, and the examination result is the terminal. The examination result is transferred from the computer terminal device to the server using the communication line, and the examination result is transferred from the server to the loan company via the communication line. A configuration is disclosed.
JP2001-142964 JP 2002-230289 A

  Therefore, an object of the present invention is a loan procedure support system used when a financial institution makes a loan mainly for payment for goods and services, and a person who wants to receive a loan has an unspecified number of sales. It is to provide a loan procedure support system that is particularly suitable when conducting business negotiations with a business person.

  In order to achieve the above object, the present invention receives credit data including at least desired conditions / applicant's personal attributes transmitted from an applicant client accessed through the Internet, and based on the received credit data, at least Receives commands from the screening means that creates screening result data including the loan amount and the upper limit of the payment period, and the screening means that created the screening result data, creates different negotiation passwords and contract passwords, and notifies the applicant client Password creation means, examination result data is inputted from the examination means, each password is inputted from the password creation means, examination result storage means for storing the examination result data for each applicant in association with each password, and the Internet Opportunity password from any client accessed through An examination result transmitting means for reading the examination result data including at least the loan amount corresponding to the received negotiation password and the upper limit of the payment period from the examination result storage means and transmitting the negotiation password to the client that has transmitted the negotiation password, When the contract terms and conditions data including at least the payment amount and the payment period are received together with the contract password from any client accessed through the Internet, the examination result data corresponding to the received contract password is read from the examination result storage means, The loan acceptance / rejection judging means for judging whether or not the received sales contract condition data matches the examination result data, and when the sales contract condition data fits the examination result data, the sales agreement condition data is received from the loan acceptance / rejection judging means. The contents of the loan contract based on the contract condition data To create, to constitute a loan procedure support system and a loan approval means to be transmitted to the client that originated the sales contract condition data and contract password a description of the contents and subsequent financing procedure method of financing contract that you created.

  According to the loan procedure support system of the present invention, the examination means receives credit data including at least the desired conditions and the applicant's personal attributes transmitted from the applicant client accessed through the Internet. Here, the client is a terminal that can be connected to the Internet, and includes a personal computer, a mobile phone, a PHS, and the like. In the credit data, the desired conditions are, for example, a loan amount of 3 million yen, a payment period including how many times to pay in order to repay, how many years to pay, bonus payment etc., and It can be a down payment available. The applicant's personal attributes may include, for example, the applicant's address, name, age, place of work, average annual income, award punishment, personal property of owned real estate and automobiles, personal attributes of a guarantor, and the like. In order to prevent so-called “spoofing” and to confirm the identity of the applicant, the credit data preferably includes the account number of the applicant's deposit account. In order to facilitate identification by the lender, the deposit account is typically limited to those opened to the financial institution applying for the loan through the loan procedure support system. The classification of savings account, time deposit account, etc. is not normally asked. For confidentiality, the account number may be required to be input from the client together with the password when referring to the examination result described later.

  The examination unit creates examination result data including at least the loan amount and the upper limit of the payment period based on the received credit data. The examination result data can be automatically created, for example, by comparing the received credit data with the examination reference data stored in advance. The examination standard data is, for example, the upper limit of the loan amount and the payment period corresponding to the individual attribute. If this exceeds the desired loan amount and the payment period, the examination result will be as desired. If the desired conditions cannot be satisfied, the request may be sent to the applicant client and the procedure may be terminated. The loan amount corresponding to the personal attribute and the upper limit of the payment period may be used as is as the examination result data, or The credit data may be output to a client of the financial institution, and a person in charge of examination belonging to the financial institution may manually perform the examination, and the examination result data may be input by operating the client of the financial institution. Manual review can also be performed in all cases.

  When the examination means creates examination result data, it sends a command to the password creation means. Upon receiving the command, the password creating means creates different negotiation passwords and contract passwords and notifies the applicant client. These passwords are typically character strings made up of arbitrary combinations of letters and numbers. These passwords are preferably created automatically from the viewpoint of confidentiality, but any password entered by the applicant together with the credit data can be used as it is, or it can be a password including a part thereof. The password creation means can notify the applicant client of the negotiation password and the contract password by e-mail, and in this case, the credit data includes the e-mail address of the applicant's client. The e-mail address is sent from the examination means to the password creating means, and an e-mail containing the password is created. This e-mail may include a part of the examination result data as a content, or may include a URL for accessing examination result transmission means described later. Other methods include mail notification of documents, FAX, and telephone notification, and may be displayed on a Web page using a personal ID such as a cookie and account number.

  The examination result storage means receives examination result data from the examination means, receives each password from the password creation means, and stores examination result data for each applicant in association with each password.

  The examination result transmission means reads the examination result data including at least the loan amount and the upper limit of the payment period corresponding to the received negotiation password from the examination result storage means when receiving the negotiation password from any client accessed through the Internet. Send the negotiation password to the client that sent the negotiation password. Clients to which the examination result transmission means can send examination result data are arbitrary clients, and it is possible to negotiate with clients not only from the client who applied for the application but also from other clients, for example, clients located in the store. If you enter a password, you can refer to the examination result data. Therefore, the applicant can present his / her loan amount and payment period to the dealer side while the applicant conducts business negotiations at the dealer. Applicants can use the virtual money on the Internet as a “money” to proceed with the business without unilaterally pressing a specific financial institution or loan condition from the dealer, and sell personal information during the business There is no need to reveal it to the store. In addition, there is an advantage that the dealer side can proceed with the negotiation safely by trusting the applicant because there is no waste of time and labor that the loan is not approved even though the sale is agreed. Further, the password creation means creates, for example, 5 to 10 different negotiation passwords and notifies the applicant client, and the examination result transmission means uses the second one of the plurality of negotiation passwords. However, the examination result data may not be transmitted. In other words, each negotiation password can only be used once, and after the negotiation is closed and the connection between the loan procedure support system and the client of the dealer is cut off at a certain dealer, the dealer uses the same negotiation password again. Access to the loan amount and personal information can be prevented.

  The loan acceptance / rejection judging means receives the examination result data corresponding to the received contract password when receiving the sales contract condition data including at least the payment amount and the payment period together with the contract password from any client accessed through the Internet. It is read out from the storage means, and it is determined whether the received sales contract condition data matches the examination result data, that is, whether the payment amount and the payment period are within the limits of the loan amount and the payment period of the examination result data. If it is not within the frame, since the loan is impossible, the client is notified that the sales contract condition does not conform to the examination result. “Receiving sales contract condition data together with contract password” does not mean that it must be received at the same time. As long as it is received from the same client that received the contract password, the sales contract condition data is a little It also includes the case of being received with a time difference of. For example, it includes a case where entering a contract password on a Web page and transmitting it results in a state where sales contract condition data can be input.

  The loan approval means receives the sales contract condition data from the loan availability determination means when the sales contract condition data matches the examination result data, creates the contents of the loan contract based on the sales contract condition data, and creates the created loan contract And the explanation of the subsequent loan procedure method are sent to the client who sent the sales contract condition data and the contract password. As a result, the sales contract between the applicant and the dealer and the loan contract between the applicant and the lender can be established at the same time. That is, as compared with the conventional method of applying for a loan after the content of a sales contract is agreed between the two, since the examination has already been passed, the sales contract can be surely established. The contents of the loan contract are created, for example, by incorporating the sales contract condition data into the model of the loan contract stored in advance in the storage device of the loan approval means. In accordance with the explanation of the subsequent loan procedure method, the applicant will take a procedure such as sealing a printed loan contract and sending it to the lender. The dealer also performs a procedure such as sending a copy of the sales contract to the lender, for example, in accordance with the subsequent explanation of the loan procedure method. The sales contract includes, for example, movable property such as automobiles and electrical appliances, real estate such as land and buildings, and intangible services such as renovation of houses.

  The loan approval means, when the object of the sales contract is a car, further transmits document data for the reservation of ownership with the lender as the owner to the client who has transmitted the sales contract condition data and the contract password. It may be. This prevents the applicant from transferring the ownership of the car without permission in order to prevent so-called “spoofing” by the applicant, thereby ensuring the safety of the loan. In order to prevent “spoofing”, the explanation of the subsequent loan procedure method should include instructions for the dealer to always deliver the car directly to the applicant's address or residence. It is effective.

  The loan procedure support system as described above is typically connected to one or more Web servers, an intranet including one or more Web servers and clients, or one or more Web servers and Web servers via the Internet. It can be configured by one or more clients. For example, each means constituting the loan procedure support system physically loads a program for executing each function on one Web server, thereby providing an input / output device, a computing device, a control device, a main storage device, and an auxiliary storage Let the devices process each function in relation to each other. Alternatively, each function can be configured by physically distributing each function to a plurality of devices such as a Web server, a client, a database server, a file server, and a mail server connected to each other via an intranet or the Internet. Is obvious to those skilled in the art.

  As described above, according to the loan procedure support system and the loan procedure support method according to the present invention, the applicant can freely select a financial institution or a payment method regardless of the intention of the dealer, and through the dealer. It is possible to prevent leakage of the applicant's personal information.

  Hereinafter, the best mode of the loan procedure support method according to the present invention and the best mode of the loan procedure support system according to the present invention for implementing the best mode of the loan procedure support method will be described in detail. The following description is for the purpose of understanding the invention more deeply and is not intended to limit the scope of the claims.

  FIG. 1 is a block diagram showing a main configuration of the best mode of a loan procedure support system according to the present invention.

  In the figure, the loan procedure support system 10 includes a screening unit 11, a screening standard data storage device 12, a password creation unit 13, a screening result data storage device 14, a screening result transmission unit 15, a loan approval / disapproval determination unit 16, and a loan approval unit 17. And a format explanation data storage device 18. The loan procedure support system 10 exchanges data with the applicant client 30 and the store client 40 through the Internet 20. The loan procedure support system 10 in the present embodiment is configured for an automobile loan.

  The examination unit 11 receives credit data including at least the desired conditions and the individual attributes of the applicant transmitted from the applicant client 30 accessed through the Internet 20. Specifically, the applicant activates the browser of the applicant client 30 to connect to the Internet, and displays the credit data input screen of the website of the loan procedure support system 10 on the browser. The credit data input screen is configured so that all desired conditions, applicant's personal attributes, and the like can be input by operating the applicant client 30 such as character input using a keyboard or clicking a button with a mouse or selecting a pull-down menu. . When the input is completed, the credit data is transmitted to the examination unit 11 when the transmission button is clicked.

  The desired conditions are, for example, a loan amount of 3 million yen, a payment period that includes how many times to pay in order to repay the loan amount, how many years to pay, and bonus payments, etc. Applicants decide arbitrarily, such as possible down payment. Applicant's personal attributes include, for example, the applicant's address, name, age, place of work, average annual income, prize punishment, personal property such as owned real estate and automobiles, personal attributes of the guarantor, e-mail address, etc. Necessary matters and matters that are not directly related to credit but are necessary for procedures are included.

  In the present embodiment, the applicant is limited to a person who has a deposit account of a financial institution that is a lender who manages the loan procedure support system 10, and the credit data includes a financial institution where the applicant is a lender. Contains the account number of the open deposit account. As a result, the identity of the applicant can be confirmed, and “spoofing” can be prevented. If the applicant does not have a lender's deposit account, an account opening guidance screen including an explanation that the system cannot be used unless an account is opened is displayed on the applicant client 30.

  If the applicant is already a user of internet banking by a lender, the applicant need only enter the desired conditions, account number and password for internet banking use. The examination unit 11 can confirm the identity by using an account number and a password, and obtains personal attributes necessary for other examinations from a server that manages Internet banking. Even if the applicant has a deposit account of the lender but is not an Internet banking user, if the lender has the necessary personal attributes as data, input and transmission from the applicant client 30 Can be partially omitted.

  Upon receiving the credit data necessary for the examination, the examination unit 11 creates examination result data including the loan amount and the upper limit of the payment period based on the credit data. The examination result data is automatically created by reading examination standard data created in advance and stored in the examination standard data storage device 12 and comparing it with credit data. The examination standard data is the upper limit of the loan amount and the payment period derived from each individual attribute. If this exceeds the desired loan amount and the payment period, the examination result data is as per the desired condition. If the desired conditions cannot be satisfied, the applicant client 30 is notified by the password creation unit 13 described later that the request is not met, and the procedure is terminated. In another embodiment, after creating the examination result data, the examination result data is printed out together with the applicant's personal attributes etc. at a financial institution client (not shown), and the examination person belonging to the financial institution manually authenticates the examination result. It is also possible to prevent the process from proceeding to the next process unless it has been corrected.

  When the examination unit 11 creates examination result data, the examination unit 11 transmits a command to the password creation unit 13 and transmits examination result data to the examination result data storage device 14.

  Upon receiving the command from the examination unit 11, the password creation unit 13 creates a plurality of different negotiation passwords and contract passwords, and notifies the applicant client 30 of them. These passwords are typically character strings made up of combinations of letters and numbers. These passwords are automatically created by the password creation unit 13 in terms of confidentiality. The password creation unit 13 notifies the applicant client 30 of the negotiation password and the contract password by e-mail. The e-mail address is sent from the screening unit 11 to the password creation unit 13, and includes a plurality of negotiation passwords and contract passwords, and the URL of the Web site of the screening result transmission unit 15 described later. If the examination unit 11 determines that the applicant's request is not met based on the credit data, the password creation unit 13 creates an e-mail with the content in response to an instruction from the examination unit 11 and applies. To the client 30.

  In the present embodiment, as soon as the credit data is transmitted from the applicant client 30 to the screening unit 11 prior to the e-mail transmitted after the screening is completed, the password creation unit 13 follows the command from the screening unit 11. An electronic mail by automatic reply is returned to the applicant client 30. This automatic reply mail describes that an email will be sent as soon as the examination result is determined. If the person who received the e-mail has not applied, either the e-mail address is incorrect and it arrived by chance, or there was a “spoofing” by another person, so that the lender should be informed immediately. ing. This “spoofing” prevention measure is the same as that used in merchandise sales using the Internet.

  The examination result data storage device 14 receives examination result data from the examination unit 11, receives each password from the password creation unit 13, and stores examination result data for each applicant in association with each password.

  When the examination result transmission unit 15 receives one of a plurality of negotiation passwords from an arbitrary client accessed through the Internet 20, the applicant's address / name, loan amount and payment corresponding to the received negotiation password are received. The examination result data including the upper limit of the period and the validity period (for example, 6 months) is read from the examination result data storage device 14 and transmitted to the client that has transmitted the negotiation password. Actually, the examination result data is received by the applicant client 30 for confirming the examination result after the applicant receives each password by e-mail, and the applicant goes to the store to purchase the car. It is a store client 40 for presenting the purchasing power of the applicant to the store side during business negotiations. Not limited to this, the examination result data can be referred from any client as long as the negotiation password is input.

  Specifically, the examination result is displayed by displaying the corresponding page of the website provided by the examination result sending unit 15 on the browser screen of the client, and inputting the negotiation password and the applicant's account number according to the instructions on the screen. It is transmitted from the examination result transmission unit 15 to the client. Normally, when referring to the examination result from the applicant client 30, the anchor display of the URL included in the content of the e-mail transmitted from the password creation unit 13 is clicked. From the store client 40, the address is directly input to the browser, or the link is followed from the top page of the financial institution's Web site to display the page.

  On the negotiation page that displays the examination results, virtual money is displayed with illustrations, and a loan simulator that displays a payment pattern demo by entering the payment amount and payment period proposal can be used, and the negotiation proceeds. It is configured to be easy.

  In this way, by making it possible for an arbitrary client to refer to a highly reliable examination result by a financial institution, while the applicant conducts a business negotiation at a dealer, the applicant can pay his / her loan amount and payment. The period can be presented to the dealer. Applicants can use the virtual money on the Internet as a “money” to proceed with the business without unilaterally pressing a specific financial institution or loan condition from the dealer, and sell personal information during the business You don't have to reveal it to the store. Also, the dealer has the advantage of being able to proceed with negotiations safely with confidence of the applicant because there is no waste of time and labor, for example, the loan is not reviewed even though the sale is agreed. Note that the plurality of negotiation passwords can be used only once, and the examination result transmission unit 15 is configured to reject the examination result transmission for the second use. Specifically, when the examination result transmitting unit 15 receives one negotiation password, it erases the negotiation password from the examination result data storage device 14. As a result, it is possible to prevent the dealer from knowing the applicant's personal information, the loan amount, and the like when the negotiation is not completed.

  The loan approval / disapproval determination unit 16 receives a purchase contract condition data including an amount of payment, a payment period, and a store attribute from any client accessed through the Internet 20 together with the contract password and the account number of the applicant. The examination result data corresponding to the contract password is read from the examination result data storage device 14, and whether the received sales contract condition data matches the examination result data, that is, the payment amount and the payment period are the loan amount and payment of the examination result data. Determine if it is within the time frame. If it is not within the frame, since the loan is impossible, the client is notified that the sales contract condition does not conform to the examination result.

  Specifically, the sales contract condition data and the contract password are transmitted from the client through a Web page provided by the loan availability determination unit 16. First, the contract guidance page is opened by clicking the negotiation establishment button prepared in the above negotiation page when the negotiation is established. When the contract password and the applicant's account number are entered in the relevant part of the contract guide page, the contract page opens next, and sales contract condition data is input. The loan approval / disapproval determination unit 16 receives the sales contract condition data, compares it with the examination result data, and determines whether or not it matches. If the payment amount and the payment period exceed the upper limit that can be financed, a message that prompts the contract page to revise the sales contract conditions below the upper limit that can be financed is displayed because the financing is impossible.

  The loan approval unit 17 receives the sales contract condition data from the loan permission determination unit 16 when the loan permission determination unit 16 determines that the loan is possible because the sales contract condition data matches the examination result data. The contents of the loan contract are created based on the contract condition data, and the contents of the created loan contract and the explanation of the subsequent loan procedure method are transmitted to the client that has transmitted the sales contract condition data and the contract password. As a result, the sales contract between the applicant and the dealer and the loan contract between the applicant and the lender can be established at the same time. That is, as compared with the conventional method of applying for a loan after the content of a sales contract is agreed between the two, since the examination has already been passed, the sales contract can be surely established.

  The contents of the loan contract are created by incorporating the sales contract condition data into the model of the loan contract stored in the format explanation data storage device 18 in advance. The explanation of the loan procedure method is also stored in the format explanation data storage device 18. These can be downloaded from the contract page. The applicant takes a procedure such as sealing the printed loan contract and sending it to the lender according to the following explanation of the loan procedure method. The dealer also performs a procedure such as sending a copy of the sales contract to the lender, for example, in accordance with the subsequent explanation of the loan procedure method.

  The loan approval unit 17 further transmits an ownership reservation registration request form owned by the lender to the store client 40. This is created by incorporating sales contract condition data into a template previously stored in the format explanation data storage device 18. The ownership reservation request form is for retaining the ownership of the car to the lender in order to prevent so-called “spoofing” and arbitrary resale by the applicant, thereby ensuring the safety of the loan. In order to prevent “spoofing”, the following explanation of the loan procedure method includes an instruction for the dealer to make sure that the dealer directly delivers the car to the address or residence of the applicant.

  Next, the operation of the above embodiment will be described with reference to FIG. FIG. 2 is a flowchart for explaining the main processing flow by the loan procedure support system 10 shown in FIG.

  In FIG. 2, when the applicant starts the browser of the applicant client 30 and connects to the Internet, and inputs credit data consisting of desired conditions and personal attributes necessary for examination on the web page of the examination unit 11, The unit 11 receives credit data (step S1).

  The examination unit 11 obtains the upper limit of the loan amount and the payment period from the examination standard data read from the examination standard data storage device 12 and the personal attribute, and compares it with the desired conditions (step S2).

  If the desired condition exceeds the upper limit of the loan amount and the payment period, the loan is disabled and the process ends (step S3). If the desired condition is within the limit, the desired condition is set as examination result data, the examination result data is stored in the examination result data storage device 14, and a command is issued to the password creating unit 13. The password creation unit 13 creates two types of passwords, a plurality of negotiation passwords and contract passwords, and an e-mail containing the URL of a Web page that can refer to each password and the examination result to the e-mail address of the applicant client 30 Is transmitted (step S4).

  Next, when one of the clients, for example, the store client 40, accesses the Web page of the examination result transmission unit 15 and receives one of a plurality of negotiation passwords (step S5), the examination result transmission unit. 15 reads out the examination result data corresponding to the negotiation password from the examination result data storage device 14 and transmits it to the store client 40, and deletes the received negotiation password from the examination result data storage device 14 (step S6). Note that the Web page that displays the review results is not correctly displayed as expired even if the browser history is used, and the browser refresh button prompts you to enter the negotiation password again to re-send the information. Has been.

  Since this examination result data has been transmitted from financial institutions, it is possible for dealers to proceed with business negotiations with the applicant as virtual money having the same reliability as cash, and the applicant can also receive personal information from the dealer. You can consider whether to purchase without revealing.

  Next, when there is an access to the web page of the loan approval / disapproval determination unit 16 from any client, for example, the store client 40, and the contract password is received together with the sales contract condition data (step S7), the loan approval / disapproval determination unit 16 The examination result data is read from the examination result data storage device 14, and the received sales contract condition data is collated with the examination result data (step S8).

  As a result of the collation, if the buying and selling conditions do not match the examination result, the loan is not possible and the procedure is terminated. If the buying and selling conditions are suitable, the loan is possible (step S9). The model is read to create a loan contract document, and transmitted to the store client 40 together with the description of the subsequent contract procedure read from the format explanation data storage device 18 (step S10).

  As a result, the sales contract and the loan contract can be established at the same time, so that it is possible to prevent a problem that the dealer cannot complete the contract without completing the loan contract after the sales are almost decided.

  After the above procedures have been successfully completed, the applicant and retailer will officially proceed with the sales contract and loan contract in accordance with the explanation of the subsequent contract procedures, and will apply to the Land Transport Bureau. Specifically, it is sufficient for the applicant to stamp the sales contract prepared by the dealer, or to mail the stamp on the loan contract sent from the loan approval unit 17 and printed out. You can use financial institutions other than those specified by the dealer.

  Although the best mode for carrying out the present invention has been described above, the present invention is not limited to the above-described embodiment, and can be appropriately modified within the scope of the gist of the present invention. Needless to say.

FIG. 1 is a block diagram showing the configuration of the best mode for carrying out the loan procedure support system according to the present invention. FIG. 2 is a flowchart showing the operation of the embodiment of FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Loan procedure support system 11 Examination part 12 Examination criteria data storage device 13 Password preparation part 14 Examination result data storage apparatus 15 Examination result transmission part 16 Loan approval / disapproval judgment part 17 Loan approval part 18 Format explanation data storage apparatus 20 Internet 30 Applicant client 40 Dealer Client

Claims (7)

Receive credit data including at least the desired conditions / applicant's personal attributes sent from the applicant client accessed through the Internet, and based on the received credit data, the screening results including at least the loan amount and payment period The means of review to create the data,
A password creation means for receiving a command from the examination means that created the examination result data, creating a different negotiation password and contract password, and notifying the applicant client;
Examination result storage means for inputting examination result data from the examination means, each password from the password creating means, and storing the examination result data for each applicant in association with each password;
When an opportunity password is received from any client accessed via the Internet, the examination result data including at least the loan amount and the upper limit of the payment period corresponding to the received negotiation password is read from the examination result storage means and the negotiation password is transmitted. An examination result sending means to send to the client,
When the contract terms and conditions data including at least the payment amount and the payment period are received together with the contract password from any client accessed through the Internet, the examination result data corresponding to the received contract password is read from the examination result storage means, A loan availability determination means for determining whether the received sales contract condition data conforms to the examination result data;
When the sales contract condition data conforms to the examination result data, the sales contract condition data is received from the loan acceptance / rejection judging means, and the content of the loan contract is created based on the sales contract condition data. A loan procedure support system, comprising: loan approval means for transmitting a description of a loan procedure method to a client that has transmitted a sales contract condition data and a contract password. The loan procedure support system according to claim 1, wherein the credit data includes an account number of the applicant's deposit account, and the deposit account is required to be inquired on the loan procedure support system side. The loan procedure support system according to claim 1 or 2, wherein the examination means creates examination result data by comparing the received credit data with examination standard data accumulated in advance. Credit data includes the email address of the applicant's client,
4. The loan procedure support system according to claim 1, wherein the password creating means notifies the applicant client of the negotiation password and the contract password by e-mail. The loan approval means, when the object of the sales contract is a car, is a request for further sending document data for reservation of ownership with the lender as the owner to the client who sent the sales contract condition data and the contract password Item 5. The loan procedure support system according to any one of Items 1 to 4. Password creation means creates multiple different opportunity passwords and notifies the applicant client,
6. The loan procedure support system according to claim 1, wherein the examination result transmitting means does not transmit examination result data for any second use of the plurality of negotiation passwords. A receiving process for receiving credit data including at least the desired conditions and the individual attributes of the applicant sent from the applicant client accessed through the Internet;
Based on the received credit data, an examination process for creating examination result data including at least the loan amount and the upper limit of the payment period;
A password notification process in which different negotiation passwords and contract passwords are created and notified to the applicant client;
When the negotiation password is received from an unspecified client accessed via the Internet, the examination result data including at least the loan amount corresponding to the received negotiation password and the upper limit of the payment period is sent to the client that sent the negotiation password. Sending process,
When the contract terms and conditions data including at least the payment amount and payment period is received together with the contract password from any client accessed through the Internet, whether the received contract terms and conditions data matches the examination result data corresponding to the contract password A loan decision process to determine whether or not,
If the sales contract condition data matches the examination result data, create the contents of the loan contract based on the sales contract condition data, and explain the details of the created loan contract and the subsequent loan procedure method. A loan procedure supporting method comprising: a loan approval process for transmitting a message to a client who has sent a message.

Images