JP2005267417A - Loan management method, mail management method, loan using program, and mail management program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a loan management method capable of efficiently and precisely performing management of a loan, a mail management method, a loan management program, and a mail management program. <P>SOLUTION: A user sets a loan condition by use of a user terminal 10, and transmits it with an electronic signature generated by use of a secret key stored in the user terminal 10. When a loan contract is established, the electronic signature is generated for the contract image data and position data of the user himself/herself. A management computer 21 records this electronic signature in a loan management data storage part 23. When repayment is delayed, the management computer 21 transmits a demand mail. At the time of browsing the demand mail, the user terminal 10 generates the electronic signature by use of the secret key of the user terminal 10 for the acquired position data and opening time data. The user terminal 10 transmits the electronic signature to the management computer 21. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a loan management method, a mail management method, a loan use program, and a mail management program for efficiently and accurately providing a loan to a user.

  When accepting an application for a loan, it is accepted while directly confirming the intention of the person through interviews. However, interviews are time consuming and cannot provide loans efficiently. In view of this, an automatic contract receiving apparatus that can suppress an illegal contract for an applicant has been proposed (see, for example, Patent Document 1). This automatic contract receiving apparatus includes a processing unit that controls processing of a contract printed with a face image and a loan card creation output. Further, the camera includes a portrait camera, an image input unit that controls the document reading unit, a display of examination guidance, a display unit with a touch panel, and a guidance input / output unit that controls a speaker for voice guidance. Furthermore, a contract output unit for a contract printed with a face image and a print output unit for controlling a loan card issuance unit for issuing a loan card are provided.

  Then, the contract application form is read and a photograph of the applicant is taken. Further, the examination document is read, and a question for the examination of the contract is displayed based on the contract application form and the submitted documents. If there is no suspicious point in the examination, a contract printed with the face image of the photographed face photograph and the contract text is output. When the applicant reads the contract signed in the contract, a loan card is issued. Thereby, it is possible to efficiently provide a loan while suppressing fraud.

There has also been proposed a contract machine for speeding up the user authentication processing time (see, for example, Patent Document 2). In this contract machine, the image data of the identification card and the face photo data are transmitted to the loan company from a communication terminal such as a mobile phone. As a result, it is not necessary to read the identification card and take a face photo in the automatic contract machine. That is, it is possible to confirm in advance whether the content of the personal information is the user himself / herself, and to improve the convenience of the user who shortens the reception processing time in the automatic contract machine.
JP 2001-167164 A (FIGS. 1 and 2) JP 2002-358420 A (first page)

However, even in the above technique, it is necessary to go to a place where an automatic contract receiving apparatus and a contract machine are installed. For this reason, it is difficult to provide a loan to a remote person.
On the other hand, it is also possible to provide a loan through a network. However, in this case, there is a risk of impersonation because it is difficult to confirm the identity of the person. Also, the user himself may deny or escape the use of the loan.

  The present invention has been made to solve the above-mentioned problems, and has as its object to manage a loan efficiently and accurately, a loan management method, a mail management method, a loan use program, and a mail management program. Is to provide.

In order to solve the above-described problems, the invention described in claim 1 includes a portable terminal storing a user's private key, a management computer connectable to the portable terminal via a network, and a portable terminal identifier. A method of managing a loan using an electronic signature management data storage unit that records an electronic signature generated using the private key, wherein the management computer is input from the mobile terminal to the mobile terminal A first stage of receiving application data including an electronic signature generated using the private key for the loan conditions and recording the application data in the electronic signature management data storage means; The second step of transmitting to the mobile terminal, and using the secret key for data related to the position and contract time at the time of loan contract from the mobile terminal A third stage of receiving a contract notice including the generated contract electronic signature, and recording the contract electronic signature in the electronic signature management data storage means in association with the loan application data; And a fourth stage of executing a process for providing a loan.

  According to a second aspect of the present invention, in the loan management method according to the first aspect, the electronic signature at the time of contract further includes a user image data photographed by the mobile terminal, and a secret stored in the mobile terminal. The gist is that it was generated using a key.

  The invention according to claim 3 is the loan management method according to claim 1 or 2, wherein the management computer is a user whose repayment is delayed with respect to the loan conditions recorded in the electronic signature management data storage means. A dunning transmission step of transmitting a dunning mail for acquiring position information to the specified portable terminal, and the position information acquired by the portable terminal based on the dunning mail as an electronic The present invention further includes a dunning recording stage for recording in the signature management data storage means.

  Invention of Claim 4 is the loan management method as described in any one of Claims 1-3 WHEREIN: The said management computer is the opening which the said portable terminal acquired from the portable terminal with which the said reminder mail was opened An opening reception step for receiving a reminder opening notification including a reminder electronic signature generated using the secret key for data relating to the time position and the opening time; and the reminder electronic signature in the electronic signature management data storage means The gist further includes an opening recording step of recording.

  The invention according to claim 5 is generated using a portable terminal storing a user's secret key, a management computer connectable to the portable terminal via a network, and the secret key for each portable terminal identifier. A mail management method using electronic signature management data storage means for recording an electronic signature, wherein when the mobile terminal receives an email from the management computer, a data acquisition step of acquiring data relating to position and time; and The gist of the present invention is to include a reception notification step of transmitting a reception notification including an electronic signature generated using a secret key stored in the portable terminal with respect to the acquired position and time data.

  The invention according to claim 6 is generated using a portable terminal storing a user's secret key, a management computer connectable to the portable terminal via a network, and the secret key for each portable terminal identifier. A program for managing a loan using electronic signature management data storage means for recording an electronic signature, wherein the management computer uses the secret key for loan conditions input from the mobile terminal to the mobile terminal A first means for receiving application data including the generated electronic signature and recording it in the electronic signature management data storage means; and a second result for transmitting to the portable terminal a result of examination regarding whether or not a loan can be provided for this loan condition And a contract time electronic data generated from the portable terminal using the secret key for data relating to a position and a contract time at the time of loan contract A third means for receiving a contract notice including a name and the electronic signature at the time of contract in association with the loan application data, recorded in the electronic signature management data storage means, and providing the loan to the user The gist is to function as a fourth means for executing the process.

According to a seventh aspect of the present invention, in the loan management program according to the sixth aspect of the invention, the electronic signature at the time of contract further includes image data of a user photographed at the portable terminal stored in the portable terminal. The gist is that it was generated using a key.

  According to an eighth aspect of the present invention, in the loan management program according to the sixth or seventh aspect, a user whose repayment is delayed with respect to the loan condition recorded in the electronic signature management data storage means in the management computer. And a reminder sending means for sending a reminder email for obtaining location information to the identified portable terminal, and the location information obtained by the portable terminal based on the reminder email as an electronic The gist is to further function as a reminder recording means for recording in the signature management data storage means.

  The invention according to claim 9 is the loan management program according to any one of claims 6 to 8, wherein the management computer is opened by the portable terminal from the portable terminal in which the reminder mail is opened. Opening reception means for receiving a reminder opening notification including a reminder electronic signature generated using the secret key for data relating to the time position and the opening time; and the reminder electronic signature in the electronic signature management data storage means The gist is to further function as an opening recording means for recording.

  The invention according to claim 10 is generated using a portable terminal storing a user's secret key, a management computer connectable to the portable terminal via a network, and the secret key for each portable terminal identifier. A mail management program using electronic signature management data storage means for recording an electronic signature, the data acquisition means for acquiring data relating to position and time when the portable terminal receives mail from the management computer, The gist of the present invention is to function as reception notification means for transmitting a reception notification including an electronic signature generated using a secret key stored in the portable terminal with respect to the acquired position and time data.

(Function)
According to the first or sixth aspect of the invention, the portable terminal storing the user's secret key, the management computer connectable to the portable terminal via the network, and the secret key for each portable terminal identifier are used. Electronic signature management data storage means for recording the electronic signature generated in this way is used. The management computer receives application data including an electronic signature generated using the private key for the loan condition input at the portable terminal, and records the application data in the electronic signature management data storage means. Then, the result of examination regarding whether or not the loan can be provided for the loan condition is transmitted to the mobile terminal. In this case, the mobile terminal obtains data relating to the position and contract time at the time of loan contract, and generates a contract-time electronic signature encrypted using the secret key stored in the mobile terminal. Then, the portable terminal transmits a contract notice including the contracted electronic signature. The management computer that has received this contract notification records the electronic signature at the time of contract in association with the loan application data, records it in the electronic signature management data storage means, and executes a process for providing the user with the loan To do. Thereby, since the electronic signature of the user generated using the private key is attached to the loan condition, the identity can be confirmed and the loan can be provided accurately. Further, since the contracted electronic signature generated by using the private key stored in the portable terminal is recorded in the electronic signature management data storage means with respect to the position and the contract time at the time of the loan contract, the record relating to the loan contract is recorded. Can leave. That is, it is possible to specify “who” and “where” the “who” contracted, and the reliability of the contract can be improved.

  According to the second or seventh aspect of the present invention, the contract electronic signature further generates image data of the user photographed in the portable terminal using a secret key stored in the portable terminal. Thereby, the identity of the loan contract can be confirmed.

According to the invention described in claim 3 or 8, the management computer specifies a mobile terminal of a user whose repayment is delayed with respect to the loan conditions recorded in the electronic signature management data storage means. And the dunning mail for acquiring position information is transmitted with respect to the specified portable terminal. The location information acquired by the portable terminal based on the reminder mail is recorded in the electronic signature management data storage means. As a result, the location of the user whose repayment is delayed can be specified.

  According to the invention described in claim 4 or 9, when the reminder mail is opened at the mobile terminal, the mobile terminal acquires data relating to the position at the time of opening and the opening time. And the said portable terminal produces | generates the electronic signature at the time of a dunning using the said private key, and transmits the dunning opening notification containing this. Then, the electronic signature at dunning is recorded in the electronic signature management data storage means. Thereby, the dunning record about a loan contract can be left. That is, by “when” and “where”, it is possible to specify “who” was urged, and the reliability of the urge can be improved.

  According to the invention described in claim 5 or 10, the portable terminal storing the user's secret key, the management computer connectable to the portable terminal via the network, and the secret key is used for each portable terminal identifier. Electronic signature management data storage means for recording the electronic signature generated in this way is used. And when the said portable terminal receives mail from the said management computer, the data regarding a position and time are acquired. And the said portable terminal transmits the reception notification containing the electronic signature produced | generated using the private key stored in the said portable terminal about the data regarding the acquired said position and time. Thereby, the management computer can identify the location of the user. That is, by “when” and “where”, “who” received the mail can be specified, and the reliability of mail reception can be improved.

  As described above in detail, according to the present invention, a loan can be provided to a user efficiently and safely.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. In the present embodiment, a loan management method, a mail management method, a loan use program, and a mail management program used when providing a loan to a user will be described. In this embodiment, a bank as a loan provider transmits a loan management application as a mail management program to the user's mobile terminal.

  In the present embodiment, as shown in FIG. 1, a loan management application is provided to the user via a network N including a mobile phone network and the Internet. The user receives the information using the user terminal 10 as a portable terminal storing the loan management application.

  As shown in FIG. 1, the user terminal 10 includes a display unit 101, a selector button 102, and a mode change button 103 in addition to the dial number button 110. In addition to the normal telephone mode, the user terminal 10 has a mail mode for sending and receiving electronic mail, a browser mode for displaying web pages, and a program execution mode for executing various programs. . When switching from each mode (for example, telephone mode) to another mode (for example, program execution mode), the mode change button 103 is used.

The display unit 101 displays an email or web page received by the user terminal 10.
The selector button 102 of the user terminal 10 has a pointer movement function and a click function. The pointer can be moved by giving a direction instruction using the selector button 102, and the item indicated by the pointer can be selected by pressing the selector button 102.

  Furthermore, the user terminal 10 has a position acquisition function and a photography function using GPS (Global Positioning Systems). Further, the user terminal 10 stores data relating to the secret key and the public key in advance.

  Furthermore, the user terminal 10 includes a control unit (CPU), a storage unit (RAM, ROM, etc.), a data transmission / reception unit, etc. (not shown). The storage means in the user terminal 10 includes an application program storage unit and stores a loan management application provided by a procedure described later. When the loan management application is activated, the control unit of the user terminal 10 executes a processing procedure (data acquisition stage, reception notification stage, etc.) relating to a mail management method to be described later. Thereby, the control means of the user terminal 10 functions as each means such as a data acquisition means and a reception notification means.

As shown in FIG. 1, the user terminal 10 is connected to a loan management system 20 as a loan management server via a network N.
The loan management system 20 is a computer system that performs various types of data processing related to management of data related to a loan use application and a user. As shown in FIG. 1, a management computer 21 is provided. The management computer 21 includes control means (CPU), storage means (RAM, ROM, hard disk, etc.), data transmission / reception means, etc., not shown. This management computer 21 performs processing procedures (first stage, second stage, third stage, fourth stage, opening reception stage, opening recording stage, dunning transmission stage, dunning recording stage, etc., which will be described later regarding loan management. ) Run a loan management program. Thereby, the management computer 21 functions as each means such as the first means, the second means, the third means, the fourth means, the opening reception means, the opening recording means, the reminding transmission means, and the reminding recording means. .

Further, the loan management system 20 includes a user data storage unit 22 and a loan management data storage unit 23 as electronic signature management data storage means.
As shown in FIG. 2, user data 220 relating to users who can use the loan using this service is recorded in the user data storage unit 22. In this embodiment, the user needs to be registered in advance, and this user data 220 is set when the user performs registration. The user data 220 includes data on a user identifier, name, address, occupation attribute, account identifier, e-mail address, password, and loan limit for each user.

  In the user identifier data area, data relating to an identifier used for specifying each user is recorded. This user identifier is given by the service provider when user registration is performed. By using this user identifier, it is possible to extract user attribute data (e.g., withdrawal account number of usage fee) using data recorded in another storage unit (not shown) in the loan management system 20. it can.

In the name data area, address data area, and occupation attribute data area, data related to the user's name, address, and occupation attribute are recorded.
In the account identifier data area, data for specifying a bank account held by the user is recorded. The loan provided is transferred to this account. This account identifier is composed of a bank branch code, a deposit type code, and an account number.

In the e-mail address data area, data relating to the e-mail address used by the user is recorded.
In the password data area, data relating to a password used for user authentication performed when using a loan is recorded.

  In the loan limit data area, data related to the loan limit related to the user is recorded. In this loan limit, data relating to the upper limit of the borrowing amount and borrowing period of the user is recorded.

  In the loan management data storage unit 23, as shown in FIG. 3, loan management data 230 relating to a loan provided to the user is recorded. The loan management data 230 is generated when a loan is provided to a user. The loan management data 230 includes loan setting data 231 and dunning management data 232 for each loan. The loan setting data 231 is recorded when a loan is provided. Further, the dunning management data 232 is recorded when a dunning regarding the provided loan is performed.

The loan setting data 231 includes data related to a reception identifier, a reception date, a borrowing amount, a borrowing period, a repayment method, a contract image, a contract location, and a contract digital signature.
In the reception identifier data area, data for identifying the loan application is recorded.

In the acceptance date data area, data for specifying the date and time when the application for the loan is accepted is recorded.
In the borrowing amount data area, the borrowing period data area, and the repayment method data area, data for specifying the borrowing amount, the borrowing period, and the repayment method are recorded for the loan for which the user has applied.

  In the image data area at the time of contract, image data obtained by photographing the situation when the user makes a loan contract is recorded. This image is used as a record for confirming a state in which the loan contract is surely made after the fact.

In the contract location data area, data for specifying a place where the user has concluded a loan contract is recorded.
In the electronic signature data area at the time of contract, the electronic signature data of the user is recorded for the data related to the loan contract received from the user.

The dunning management data 232 includes dunning time, dunning location, opening time and opening location, and dunning electronic signature.
In the dunning time data area, data related to the time when the dunning mail for loan repayment is transmitted is recorded.

In the dunning location data area, data for specifying the location of the user when the dunning repayment mail is received is recorded.
In the opening time data area, data relating to the time when the user opened the reminder mail is recorded.

In the opened location data area, data for specifying the location where the user opened the reminder mail is recorded.
The electronic signature data of the user is recorded in the electronic signature data area at the time of reminder regarding data relating to opening of the reminder mail received from the user.

  A processing procedure for providing a loan in the system configured as described above will be described. Hereinafter, the loan usage registration stage, the loan contract stage, and the loan repayment reminder stage will be described in this order.

(Loan usage registration stage)
First, processing at the stage of loan use registration will be described with reference to FIG. In this embodiment, when using this service, first, the user performs initial registration of loan use. In this case, the user submits a loan application form to a financial institution. The loan application form is filled with information on the user's name, address, occupation attribute, account identifier, and e-mail address.

  The financial institution performs loan participation examination based on the loan application form. In this loan enrollment examination, an examination is conducted as to whether or not a loan can be provided to this user. If a loan can be offered to this user, determine the loan limit.

  If it is determined in the loan participation examination that a loan can be provided, the management computer 21 executes a loan participation process (step S1-1). Specifically, a user identifier and a password are given to this user. Then, together with the assigned user identifier and password, information related to the name, address, occupation attribute, account identifier, and e-mail address of the user that the user applied for is registered in the user data storage unit 22.

  Next, the management computer 21 performs a user identifier and password providing process (step S1-2). Specifically, processing for sending a user identifier and a password to the user's address is executed. In this embodiment, it is sent by mail.

  The user who has received the user identifier and password accesses the loan management system 20 using the user terminal 10. Specifically, the user activates the browser of the user terminal 10 and inputs a URL (Uniform Resource Locator) for accessing the loan management system 20. Then, the user terminal 10 transmits an access request to the loan management system 20 via the network N. The loan management system 20 that has received this access request causes the display unit 101 of the user terminal 10 to output a user authentication screen. This user authentication screen is provided with input fields for a user identifier and a password. The user inputs a user identifier and a password in each input column of this user authentication screen. In this case, the user terminal 10 transmits a login request including data related to the user identifier and password to the loan management system 20 (step S1-3).

  The management computer 21 that has received this login request performs user authentication (step S1-4). Specifically, it is confirmed whether or not the received user identifier and password are registered in the user data storage unit 22. If user authentication is not possible, the user terminal 10 is transmitted to that effect and the process is terminated.

When the user authentication is completed, the management computer 21 generates an electronic certificate related to this user (step S1-5).
Then, the management computer 21 issues an electronic certificate via the network N and transmits it together with the loan management application (step S1-6). For this electronic certificate, for example, “X.509”, which is a standard specification of a digital certificate defined by ITU (International Telecommunications Union), is used. This electronic certificate includes information on the certificate issuing organization such as information on the user, the public key of the user, the expiration date of the certificate, and the electronic signature of the issuing organization.

  The loan management application is stored in a memory in the user terminal 10 as will be described later. The loan management application can access internal resources (for example, a GPS function, a transmission / reception function, etc.) in the user terminal 10 and controls various functions.

Then, the user terminal 10 that has received the loan management application and the electronic certificate stores the electronic certificate in a memory in the user terminal 10 (step S1-7).
(Loan contract stage)
Next, the loan contract stage processing will be described with reference to FIGS. The user executes a login process to the loan management system 20 using the user terminal 10 storing the loan management application (step S2-1). Specifically, the user activates the browser of the user terminal 10 and inputs a URL for accessing the loan management system 20. Then, the user terminal 10 transmits an access request to the loan management system 20 via the network N. The loan management system 20 that has received this access request causes the display unit 101 of the user terminal 10 to output a user authentication screen. This user authentication screen is provided with input fields for a user identifier and a password. The user inputs a user identifier and a password in each input column of this user authentication screen. In this case, the user terminal 10 transmits a login request including data related to the user identifier and the password to the loan management system 20. An electronic certificate stored in the memory in the user terminal 10 is added to the login request.

  In this case, the management computer 21 confirms the validity of the electronic certificate added to the login request (step S2-2). Here, confirmation of validity is determined based on the validity period included in the electronic certificate.

  Next, the management computer 21 performs user authentication using the user identifier and password included in the login request (step S2-3). Specifically, it is confirmed whether or not the received user identifier and password are recorded in the user data storage unit 22.

  When the confirmation of the validity of the electronic certificate and the user authentication are completed, the management computer 21 transmits loan application screen data (step S2-4). A loan application screen is output to the display unit 101 of the user terminal 10 that has received this data. This loan application screen is provided with input fields for setting a loan amount, a borrowing period, and a repayment method.

  The user uses the loan application screen displayed on the display unit 101 of the user terminal 10 to set the loan conditions (step S2-5). Specifically, the borrowing amount, the borrowing period, and the repayment method are entered in each entry field on the loan application screen.

  When the loan conditions are completed, the user terminal 10 generates an electronic signature for the input loan conditions (step S2-6). Specifically, a hash value of data related to the set loan condition is calculated. Then, this hash value is encrypted using a secret key stored in the user terminal 10 to generate an electronic signature.

  Then, the user terminal 10 transmits a loan application (step S2-7). The loan application includes data relating to loan conditions set using the loan application screen, the electronic signature generated in step S2-6, and the electronic certificate stored in the memory in the user terminal 10.

  The management computer 21 that has received this loan application first checks the validity of the electronic signature (step S2-8). Here, the validity is confirmed using a CRL (Certificate Revocation List).

Then, the management computer 21 records the loan application data in the loan management data storage unit 23 (step S2-9). Here, the management computer 21 assigns an acceptance identifier to the received loan application, and records data relating to the borrowing amount, the borrowing period, and the repayment method included in the loan application in the loan management data storage unit 23.

  Next, the management computer 21 executes loan examination based on the received loan conditions (step S3-1). Here, it is confirmed whether the accepted loan conditions are within the loan limit recorded in the user data storage unit 22.

  Then, the management computer 21 notifies the examination result to the user terminal 10 (step S3-2). If the loan condition exceeds the loan limit recorded in the user data storage unit 22, the fact is notified and the process is terminated. On the other hand, when the loan condition is within the loan limit, the management computer 21 transmits the contract screen data to the user terminal 10.

  The user terminal 10 that has received this data displays a contract screen (step S3-3). Here, the user who confirmed the contract screen takes a picture of himself / herself. Thereby, the user terminal 10 generates contract image data (step S3-4). Furthermore, the user terminal 10 acquires the position data at this time (step S3-5).

  Then, the user terminal 10 generates an electronic signature (Step S3-6). Also in this case, hash values of the contract image data and the position data are calculated. Then, this hash value is encrypted using a secret key stored in the user terminal 10 to generate an electronic signature.

  Then, the user terminal 10 transmits a loan contract confirmation (step S3-7). The loan contract confirmation includes contract image data and position data, an electronic signature, and an electronic certificate stored in a memory in the user terminal 10.

  The management computer 21 that has received the loan contract confirmation records the loan contract confirmation in the loan management data storage unit 23 (step S3-8). Here, the contract image data included in the loan contract confirmation is recorded as contract-time image data, and the position data is recorded as contract-time location data. Further, the management computer 21 records the electronic signature included in the loan contract confirmation as the contracted electronic signature of the loan setting data 231.

  And the management computer 21 performs a loan transfer process (step S3-9). In this case, first, the management computer 21 records the received contract image data in the loan management data storage unit 23. Further, the position data included in the loan contract confirmation is recorded in the loan management data storage unit 23 as the contract location. Then, a process for transferring the borrowing amount to the user's deposit account is executed. When the transfer process is completed, the management computer 21 transmits a transfer notification to the user terminal 10 (step S3-10).

(Dunning stage for loan repayment)
Next, processing in the repayment prompting stage will be described with reference to FIG. First, the management computer 21 specifies the loan management data 230 whose loan repayment is delayed (step S4-1). Specifically, a loan that has not been collected for a loan calculated based on the loan setting data 231 of the loan management data 230 is specified.

  When there is loan management data 230 whose repayment is delayed, the management computer 21 transmits a reminder mail (step S4-2). Unlike ordinary electronic mail, this reminder mail is transmitted directly from the communication carrier server to the user terminal 10 without going through the Internet. In this embodiment, it is transmitted at 3 am.

The user terminal 10 that has received the reminder mail activates the loan management application stored in the user terminal 10 (step S4-3). And user terminal 10 controls the GPS function, and acquires present position data (Step S4-4). Furthermore, the user terminal 10 transmits the acquired position data to the loan management system 20 (step S4-5).

  The management computer 21 performs dunning recording (step S4-6). In the dunning record, dunning management data 232 including the time when the dunning mail is transmitted and the location data received from the user terminal 10 as the dunning location is recorded in the loan management data storage unit 23. Then, the management computer 21 waits for the user to open the reminder mail received by the user terminal 10.

  Thereafter, the user uses the user terminal 10 to open the reminder mail received from the loan management system 20. In this case, the user terminal 10 performs confirmation display of the electronic signature (step S4-7). Thereby, the user can confirm the sender of the dunning mail (here, the bank that provided the loan).

Then, the user terminal 10 displays the dunning content of the dunning mail (step S4-8). Thereby, the user can grasp the dunning contents.
Furthermore, also when browsing the reminder mail, the loan management application of the user terminal 10 acquires the position data by controlling the GPS function (step S4-9). Then, the user terminal 10 transmits an opening notification to the loan management system 20 (step S4-10). In this case, the user terminal 10 generates an electronic signature obtained by encrypting the acquired position data and opening time data with the secret key of the user terminal 10. Then, an opening notification including position data, opening time data, an electronic signature, and an electronic certificate is transmitted to the loan management system 20.

The management computer 21 that has received the notification of opening confirms the validity of the electronic signature (step S4-11). In this case, CRL is also used.
The management computer 21 records the opening notification in the loan management data storage unit 23 (step S4-12). Specifically, the dunning management data 232 including the position data as the opening location data is recorded together with the opening time data.

As described above, according to the present embodiment, the following effects can be obtained.
In the above embodiment, the loan management system 20 causes the user authentication screen to be output to the display unit 101 of the user terminal 10 and prompts for input of a user identifier and a password. Then, the management computer 21 performs user authentication using the user identifier and password included in the login request. Then, the user uses the loan application screen displayed on the display unit 101 of the user terminal 10 to set the loan conditions (step S2-5). Specifically, the borrowing amount, the borrowing period, and the repayment method are entered in each entry field on the loan application screen. When the loan conditions are completed, the user terminal 10 generates an electronic signature for the input loan conditions (step S2-6). In this case, hash values of contract image data and position data are calculated. Then, this hash value is encrypted using a secret key stored in the user terminal 10 to generate an electronic signature. Therefore, only the user of this user terminal 10 can set this electronic signature. Therefore, the loan applicant can be identified more reliably.

In the above embodiment, at the time of loan contract, the user terminal 10 generates contract image data (step S3-4). Furthermore, the user terminal 10 acquires the position data at this time (step S3-5). Then, the user terminal 10 generates an electronic signature (Step S3-6). In this case, hash values of contract image data and position data are calculated. Then, this hash value is encrypted using a secret key stored in the user terminal 10 to generate an electronic signature. For this reason, it is possible to specify who, where, and using which terminal. Unlike the automatic contract acceptance apparatus managed by the loan provider, the user terminal 10 is a terminal managed by the user. By generating an electronic signature for the data relating to the image and the position using the secret key of the user terminal 10, the user terminal 10 of the user can be handled in the same manner as the automatic contract reception apparatus.

  -In the said embodiment, the user terminal 10 transmits loan contract confirmation (step S3-7). The loan contract confirmation includes contract image data and position data, an electronic signature, and an electronic certificate stored in a memory in the user terminal 10. The management computer 21 that has received the loan contract confirmation records the loan contract confirmation in 23 (step S3-8). By recording the contract image and the contract location at the time of contract, the existence of the contract fact can be confirmed. Further, since these data are attached with an electronic signature generated using a secret key stored in the user terminal 10, it is possible to improve the evidence ability.

  In the above embodiment, the management computer 21 specifies 230 that the loan repayment is delayed (step S4-1). Specifically, a loan that has not been collected for a loan calculated based on the loan setting data 231 of the loan management data 230 is specified. When there is loan management data 230 whose repayment is delayed, the management computer 21 transmits a reminder mail (step S4-2). The user terminal 10 that has received the reminder mail activates the loan management application stored in the user terminal 10 (step S4-3). And user terminal 10 controls the GPS function, and acquires present position data (Step S4-4). Furthermore, the user terminal 10 transmits the acquired position data to the loan management system 20 (step S4-5). The management computer 21 performs dunning recording (step S4-6). For this reason, the bank that provided the loan can confirm the location of the debtor. For example, as in the present embodiment, when transmission is performed at 3 am, the user is usually often asleep. Therefore, it is possible to grasp the sleeping place of the user.

  In the above embodiment, when the user opens the reminder mail received from the loan management system 20, the user terminal 10 executes confirmation display of the electronic signature (step S4-7). Thereby, the user can confirm the sender of the dunning mail (here, the bank that provided the loan). Then, the user terminal 10 displays the dunning content of the dunning mail (step S4-8). Furthermore, also when browsing the reminder mail, the loan management application of the user terminal 10 acquires the position data by controlling the GPS function (step S4-9). Then, the user terminal 10 transmits an opening notification to the loan management system 20 (step S4-10). In this case, the user terminal 10 generates an electronic signature obtained by encrypting the acquired position data and opening time data with the secret key of the user terminal 10. As a result, it is possible to leave a record of “who” viewed the reminder mail “when” and “where”. Therefore, the location and the viewer can be specified in the same manner as the delivery proof mail, and the urging can be surely performed.

  In the above embodiment, the user terminal 10 transmits an opening notification including position data, opening time data, an electronic signature, and an electronic certificate to the loan management system 20. The management computer 21 that has received the notification of opening confirms the validity of the electronic signature (step S4-11). The management computer 21 records the opening notification in the loan management data storage unit 23 (step S4-12). Specifically, the dunning management data 232 including the position data as the opening location data is recorded together with the opening time data. As a result, the management computer 21 can keep a record of where the user has viewed the reminder mail “where” and “when”. Therefore, the location and the viewer can be specified in the same manner as the delivery proof mail, and the urging can be surely performed.

In addition, you may change the said embodiment into the following aspects.
In the above embodiment, a reminder email is sent to the person who has set up the loan. Alternatively, it may be transmitted to the joint guarantor. In this case, the loan management application and the electronic certificate are also stored in the portable terminal of the joint guarantor. Thereby, the dunning can be performed more reliably.

  In the above embodiment, a loan management application and an electronic certificate are provided to the user terminal 10 that is the user's mobile terminal. Alternatively, the loan provider may lend a mobile terminal storing a loan management application or electronic certificate to the user.

The system schematic of embodiment of this invention. Explanatory drawing of the data recorded on the user data storage part. Explanatory drawing of the data recorded on the loan management data storage part. Explanatory drawing of the process sequence in this embodiment. Explanatory drawing of the process sequence in this embodiment. Explanatory drawing of the process sequence in this embodiment. Explanatory drawing of the process sequence in this embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... User terminal as a portable terminal, 20 ... Loan management system, 21 ... Management computer, 23 ... Loan management data storage part as electronic signature management data storage means, N ... Network.

Claims (10)

A mobile terminal storing a user's private key, a management computer connectable to the mobile terminal via a network, and electronic signature management data for recording an electronic signature generated using the private key for each mobile terminal identifier A method for managing a loan using a storage means,
The management computer is
Receiving from the mobile terminal application data including an electronic signature generated using the secret key for the loan condition input in the mobile terminal, and recording the application data in the electronic signature management data storage means;
A second stage of transmitting to the mobile terminal a review result regarding whether or not to provide a loan for the loan condition;
A third step of receiving a contract notification including a contract-time electronic signature generated using the secret key for data related to a position and a contract time at the time of loan contract from the mobile terminal;
And a fourth step of executing the process for providing the loan to the user by recording the electronic signature at the time of contract in association with the loan application data in the electronic signature management data storage means. A characteristic loan management method.   2. The loan management method according to claim 1, wherein the electronic signature at the time of contract is further generated by using a private key stored in the portable terminal, which is image data of a user photographed by the portable terminal. . The management computer is
A user's mobile terminal whose repayment is delayed with respect to the loan conditions recorded in the electronic signature management data storage means is specified, and a reminder mail for acquiring position information is sent to the specified mobile terminal. A dunning send phase to send, and
The loan management method according to claim 1, further comprising a dunning recording step of recording position information acquired by the portable terminal based on the dunning mail in an electronic signature management data storage unit. The management computer is
Opening of receiving a reminder opening notice including a reminder electronic signature generated by using the secret key for the data on the position and the opening time obtained by the portable terminal from the portable terminal in which the reminder mail is opened Receiving stage;
The loan management method according to any one of claims 1 to 3, further comprising: an opening recording step of recording the reminder electronic signature in the electronic signature management data storage means. A mobile terminal storing a user's private key, a management computer connectable to the mobile terminal via a network, and electronic signature management data for recording an electronic signature generated using the private key for each mobile terminal identifier A mail management method using storage means,
The mobile terminal is
A data acquisition step of acquiring data on location and time when receiving an email from the management computer;
A mail management method comprising: a reception notification step of transmitting a reception notification including an electronic signature generated using a secret key stored in the portable terminal for the data relating to the acquired position and time. A mobile terminal storing a user's private key, a management computer connectable to the mobile terminal via a network, and electronic signature management data for recording an electronic signature generated using the private key for each mobile terminal identifier A program for managing loans using storage means,
The management computer,
Receiving from the mobile terminal application data including an electronic signature generated using the secret key for the loan condition input in the mobile terminal, and recording the electronic signature management data storage means in the first means;
A second means for transmitting to the portable terminal a result of examination regarding whether or not to provide a loan for the loan condition;
Third means for receiving from the portable terminal a contract notification including a contract-time electronic signature generated using the secret key for data relating to a position at the time of loan contract and a contract time;
The electronic signature at the time of contract is associated with the loan application data, recorded in the electronic signature management data storage means, and functions as a fourth means for executing a process for providing a loan to the user. A featured loan management program.   7. The loan management program according to claim 6, wherein the electronic signature at the time of contract is further generated by using a private key stored in the mobile terminal for user image data taken by the mobile terminal. . The management computer,
A user's mobile terminal whose repayment is delayed with respect to the loan conditions recorded in the electronic signature management data storage means is specified, and a reminder mail for acquiring position information is sent to the specified mobile terminal. A dunning transmission means to transmit;
8. The loan management program according to claim 6 or 7, further causing the position information acquired by the portable terminal based on the dunning mail to function as a dunning recording unit that records the electronic signature management data storage unit. The management computer,
Opening of receiving a reminder opening notice including a reminder electronic signature generated by using the secret key for the data on the position and the opening time obtained by the portable terminal from the portable terminal in which the reminder mail is opened Receiving means;
The loan management program according to any one of claims 6 to 8, further functioning as unsealing recording means for recording the reminder electronic signature in the electronic signature management data storage means. A mobile terminal storing a user's private key, a management computer connectable to the mobile terminal via a network, and electronic signature management data for recording an electronic signature generated using the private key for each mobile terminal identifier A mail management program using storage means,
The portable terminal;
A data acquisition means for acquiring data relating to position and time when receiving an email from the management computer;
A mail management program that functions as reception notification means for transmitting a reception notification including an electronic signature generated using a secret key stored in the portable terminal for the data regarding the acquired position and time.

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