JP2008046994A - Automatic contract system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic contract system for achieving the improvement of a service to a customer and the increase in earnings from advertisement earnings by using a stand-by time when any operation is absent. <P>SOLUTION: This automatic contract system 100 is provided with: an automatic contract machine 4 equipped with an operation part and a display part for concluding a financing contract with a customer; and a work flow server 1 connected to the automatic contract machine 4 for managing examination relating to the validity/invalidity of financing based on input information by the customer. The server 1 is provided with: an examination control part 5 for carrying out examination about the validity/invalidity of financing about the customer; and an advertisement control part 6 for selecting and transferring prescribed advertisement information to the automatic contract machine 4 under examination about the customer by the examination control part 5. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic contract system, and more particularly, an automatic contract system that provides advertisement information to a customer by using free time during contract review performed based on a contract application made using an automatic contract machine. It is about.

  In the financial industry such as consumer finance, automatic contract machines that can contract with customers in unmanned stores are installed at each base for the purpose of protecting user privacy and reducing labor costs. is doing. Customer reception is carried out at an adjacent store or an operator of a central reception center, and the customer space is a complete private room. While the customer is protected from privacy, they cannot receive face-to-face customer service, so the customer simply has to wait while the operator reviews at the reception. Under these circumstances, financial institutions that have introduced automatic contracting machines are faced with a problem of shortening the reception time including examination in order to improve services.

As a conventional technique, Patent Document 1 includes a step of accepting identification information and a password input from a cash card, a step of accessing an account information database based on the identification information and the identification number, and performing authentication. An information providing method including a step of executing a transaction process based on an execution result of personal authentication and a step of displaying advertisement information in parallel with the execution of the transaction process is disclosed.
Further, in Patent Document 2, a management computer that receives a transfer processing request from a user of an ATM terminal of a financial institution extracts an advertisement from an advertisement data storage unit based on a user attribute, and executes the transfer processing. The advertisement is output to the ATM terminal, the number of points of the advertisement is recorded in the display data storage unit, and when the transfer process is completed, the management computer saves the discount corresponding to the number of points recorded in the display data storage unit. An advertisement providing method is disclosed in which an amount is calculated and an amount obtained by subtracting a discount amount from a fee required for the processing is deducted from a user's account.
Japanese Patent Laid-Open No. 2002-8102 JP 2003-228309 A

  However, one factor that hinders the promotion of the use of conventional automatic contract machines is that it takes about 40 to 50 minutes from the start of an application using an automatic contract machine to the conclusion of the contract. On the other hand, the time during which the customer is working for input is 20 to 30 minutes, and there is a problem that the customer feels waiting for the time when there is no work. Since the time taken for each customer is not constant, it is not possible to provide the customer with information (waiting time) about how long to wait.

Moreover, since the prior art currently disclosed by patent document 1 displays advertisement information in parallel with transaction processing, when transaction processing is completed, the advertisement is also terminated, and the advertisement ends halfway. There is a problem of dissatisfaction.
The prior art disclosed in Patent Document 1 provides advertisements based on user attributes and discounts the number of points according to the advertisement from the customer's fee. Since it is determined from the attribute, there is a problem that the number of points is not always calculated fairly.

In view of such problems, the present invention is based on the attributes of the contractor and credit information so that a customer who makes a contract using an unattended automatic contract machine effectively uses the waiting time during the contract review. By promptly providing the optimal advertising information to the contractor, the service to the customer was improved, thereby improving the operation rate of the automatic contract machine, reducing the operating cost, and increasing the revenue from advertising revenue. The purpose is to provide an automatic contract system.
Another object is to quickly provide optimal advertisement information by effectively utilizing not only customer attribute information but also customer credit information.

In order to solve such a problem, the present invention provides an automatic contract machine provided with an operation display unit for concluding a loan contract with a customer, and the customer connected to the automatic contract machine. An automatic contract system comprising: a server that conducts a screening on whether or not a loan is allowed based on input information, wherein the server is a screening control unit that performs a screening on whether or not a loan is available for the customer; and the screening control unit An advertisement control unit that transfers predetermined advertisement information to the automatic contract machine during the screening for the customer, and uses the time until the screening is completed to send the predetermined advertisement information to the automatic contract machine. It transfers and displays on the said operation display part.
The automatic contract system of the present invention includes an automatic contract machine and a server that controls the automatic contract machine. The server is composed of an examination control unit that examines the contract and an advertisement control unit that selects advertisement information and transfers it to the automatic contract machine. Is to provide. Thereby, the customer can spend waiting time effectively by seeing an advertisement at the time under examination.

According to a second aspect of the present invention, the examination control unit includes a customer information recording unit that records customer information input from the automatic contract machine, a credit determination unit that performs a credit determination of a customer based on the customer information, A customer information database for storing the customer information, the advertisement control unit storing an advertisement database for displaying an advertisement to be displayed on the automatic contract machine, the customer information, a credit determination result by the credit determination means, and others Advertisement selection means for selecting advertisement information stored in the advertisement database based on the additional information, and advertisement transfer means for transferring the advertisement information selected by the advertisement selection means to the automatic contract machine. It is characterized by being.
The examination control unit temporarily stores the customer information input from the automatic contract machine in the customer information recording means, makes a credit decision based on the information, and when that is completed, the customer information is stored in the customer information database. The advertisement control unit stores the advertisement information requested by the advertisement client in the advertisement database, selects advertisement information based on the credit determination result and other additional information from the database, and selects the selected advertisement. Transfer the information to the automatic contract machine. Thereby, the credit information necessary for the examination can be effectively used as a condition for selecting the advertisement, and the optimum advertisement information can be promptly provided to the customer.

According to a third aspect of the present invention, the advertisement selection means includes at least one information of a customer's sex, job type, age, address, annual income, family structure, etc. in the customer information.
A method of storing customer attributes as customer information is effective as one method for selecting advertisements. Therefore, it is important that the attributes are classified as detailed as possible. Thereby, customer attributes can be accurately reflected in the selection conditions.

According to a fourth aspect of the present invention, the advertisement selection means includes at least one of season information and time information in the additional information.
In addition to attributes, customer behavior depends on the season and time. Therefore, by storing the season and time conditions as additional information, it is possible to reflect season information and time information that affect customer behavior in addition to attributes.

According to a fifth aspect of the present invention, the advertisement control unit determines whether the installation location of the automatic contract machine operated by the customer is closer to the customer's home, residence or work place, and the advertisement located near the automatic contract machine. The advertisement information from the client is selected by the advertisement selection means.
For example, it is important to know whether the installation location of the automatic contract machine used by the customer is close to the place of residence or close to the workplace. That is, when operated from an automatic contracting machine close to the place of residence, there is a high possibility that the customer is not on duty. Therefore, it should be more likely that the advertisement of the advertisement requester who is in close contact with the area in which the user resides will attract the interest of the customer. As a result, it is possible to accurately provide an advertisement that matches the behavior of the customer.

According to a sixth aspect of the present invention, the advertisement control unit narrows down customer attributes included in the customer information and selects optimal advertisement information by the advertisement selection unit.
Attributes include, for example, gender, occupation, age, address, annual income, family structure, and the like. Accordingly, the customer's attributes are combined and narrowed down, and the optimum advertisement is finally selected. At this time, since the result of narrowing down may change by changing the combination, it is necessary to consider a plurality of combinations. Thereby, it is possible to provide an advertisement that accurately reflects the customer's attributes.

According to a seventh aspect of the present invention, the server transfers the advertisement information selected by the advertisement selection means to the automatic contract machine by the advertisement transfer means using the time until the examination is completed, and the automatic contract machine When the examination is completed while the advertisement information is displayed on the display unit, the examination completion is waited until the display of the advertisement information is finished.
Conventionally, since the display of these advertisement information has always used the time during the examination, when the examination is completed, the advertisement information is interrupted even during the display of the advertisement. In order to eliminate such a situation, the present invention continues when the advertisement is being displayed, without interrupting the display of the advertisement even after the examination is completed, until the display of the advertisement is completed. Thereby, it is possible to prevent the advertisement information from being interrupted and to sufficiently convey the contents of the advertisement to the customer.

The automatic selection mode in which the advertisement selection unit automatically selects the advertisement information stored in the advertisement database based on the credit determination result by the credit determination unit and other additional information, An optional selection mode for selecting advertisement information stored in the advertisement database based on customer input information, and a requester for selecting advertisement information stored in the advertisement database according to selection conditions set by the advertisement requester Mode selection means for selecting one of the selection modes, and when the arbitrary selection mode is selected by the mode selection means, the inputted advertisement is obtained by inputting the field of the advertisement that the customer wants to see. It is possible to select whether to entrust the subsequent selection to the automatic selection mode or to continue the arbitrary selection mode only in the field. The features.
The advertisement selection means includes mode selection means for selecting three modes: an automatic selection mode, an arbitrary selection mode, and a requester selection mode. Here, when the arbitrary selection mode is selected, the customer inputs the field of the advertisement he / she wants to see (for example, a car or the like), and starts the selection limited to that field. At this time, if it is bothersome to input information such as attributes thereafter, it can be left to the automatic selection mode. Thereby, since the field of advertisement is limited, the selection range can be narrowed and the selection speed can be increased.

According to a ninth aspect of the present invention, when the requester selection mode is selected by the mode selection means, advertisement information is unconditionally selected based on a selection condition set by the requester.
The client of the advertisement wants to select the customer group that wants to see the requested advertisement most. Accordingly, since the selection conditions are set only for the customer segment, it is not preferable to change the setting conditions. Therefore, in the present invention, when the client selection mode is selected, the advertisement information is selected based on the selection condition set by the client unconditionally. Thereby, advertisement information that sufficiently reflects the request of the advertisement requester can be provided.

According to a tenth aspect of the present invention, when the server determines that the contract is acceptable by the examination control unit, the server issues a copy of the application form and a card to the customer, and displays the advertisement information on the operation display unit again. A re-display selection means for selecting whether or not to perform is provided.
For customers who are determined to be contractable and have reached a contract, the customer can select to display the advertisement again and show the advertisement when he / she wants to improve the willingness to purchase the goods and services.

11. The server according to claim 11, further comprising: a purchase item selection unit that selects whether or not to purchase an article or service related to the advertisement when the advertisement information is displayed by the re-display selection unit. Features.
Customers who see the advertisement again are considered very likely to purchase. Therefore, in the present invention, as the next step, whether or not to actually purchase goods or services related to the advertisement is selected and the will of the customer is confirmed. Thus, not only the provision of advertisements but also the trouble of separately purchasing goods and services related to the advertisements can be saved.

According to a twelfth aspect of the present invention, when the article or service related to the advertisement is purchased by the purchased article selection means, the server gives a point to the customer, or is determined from the price of the purchased article or service. It is characterized by providing customer service means for discounting.
When a customer purchases an article or service related to an advertisement, the next step is to give the customer a repeater by giving a point or giving a predetermined discount from the price of the purchased article or service. is there. Thereby, a customer can be secured as a repeater customer.

According to a thirteenth aspect of the present invention, the server includes mail transfer means for separately transferring advertisement information requested by the customer to the mail address of the customer.
Customers who purchase goods and services related to advertisements may want to know more detailed information. In order to meet such a demand, in the present invention, detailed advertisement information is separately transferred to the customer's mail address. Thereby, it is possible to make the customer know more detailed advertisement information.

  According to the present invention, an automatic contract machine provided with an operation unit and a display unit for concluding a loan contract with a customer, and the automatic contract machine connected to the automatic contract machine and based on input information by the new customer An automatic contract system comprising: a server that manages the screening regarding whether or not the loan is acceptable, and the server automatically checks during the screening of the new customer by the screening control unit that performs screening regarding whether or not the customer can be financed. An advertisement control unit that selects and transfers predetermined advertisement information to a contract machine, and uses the time until examination is completed to transfer the predetermined advertisement information to the automatic contract machine and display it on the display unit. , Customers can effectively spend their waiting time by watching the advertisements during the review. It can also be implemented in the same way when reviewing contract changes for existing customers.

Hereinafter, the present invention will be described in detail with reference to embodiments shown in the drawings. However, the components, types, combinations, shapes, relative arrangements, and the like described in this embodiment are merely illustrative examples and not intended to limit the scope of the present invention only unless otherwise specified. .
FIG. 1 is a schematic configuration diagram of an automatic contract system according to an embodiment of the present invention. This automatic contract system 100 is connected to an automatic contract machine 4 (details will be described later) having an operation display unit for concluding a loan contract with a customer, and input by the new customer by connecting to the automatic contract machine 4 A workflow server (hereinafter simply referred to as a server) 1 that manages the examination of whether or not a loan is possible based on the information, and the server 1 examines whether or not the loan is acceptable for the customer; An advertisement control unit 6 that selects and transfers predetermined advertisement information to the automatic contract machine 4 during examination of the customer by the unit 5 is provided.

  In addition, the examination control unit 5 includes customer information recording means 7 for recording customer information input from the automatic contract machine 4, credit determination means 8 for making a credit judgment of the customer based on the customer information, and a plurality of customer information. A customer information database (hereinafter referred to as DB) 9, and the advertisement control unit 6 determines the credit by the advertisement DB 12 that stores the advertisement to be displayed on the automatic contract machine 4 and the customer information and credit determination means 8. An advertisement selection means 10 for selecting advertisement information stored in the advertisement DB 12 based on the result and other additional information, and an advertisement transfer means 11 for transferring the advertisement information selected by the advertisement selection means 10 to the automatic contract machine 4 And. Further, the advertisement selection means 10 includes an automatic selection mode for automatically selecting advertisement information stored in the advertisement DB 12 based on the credit judgment result by the credit judgment means 8 and other additional information, and customer input information. One of an arbitrary selection mode for selecting advertisement information stored in the advertisement DB 12 based on a requester selection mode for selecting advertisement information stored in the advertisement DB 12 according to a selection condition set by the advertisement requester. Mode selection means 13 for selecting is provided. The server 1 is connected to the advertiser terminal 3 via the network 2.

  The automatic contract system 100 according to this embodiment includes an automatic contract machine 4 and a server 1 that controls the automatic contract machine 4. The server 1 includes an examination control unit 5 that examines a contract, and an advertisement control unit 6 that selects advertisement information and transfers the advertisement information to the automatic contract machine 4, and the automatic contract machine 4 from the advertisement control unit 6 during the examination. Provide optimal advertising information to customers. Then, the examination control unit 5 temporarily stores the customer information input from the automatic contract machine 4 in the customer information recording means 7, makes a credit judgment based on the information, and when that is completed, the customer information is stored in the customer information DB 9. Stored. Further, the advertisement control unit 6 stores the advertisement information requested by the advertisement client in the advertisement DB 12, and the advertisement selection unit 10 obtains the advertisement information from the advertisement DB 12 based on the credit determination result and other additional information. The selected advertisement information is transferred to the automatic contract machine 4 by the advertisement transfer means 11.

  FIG. 2 is a schematic diagram for explaining an operation in which the advertisement selecting means of the present invention selects an advertisement from customer attributes. Here, an example of what kind of advertisement is displayed by each term will be described. The work place 20 is an attribute (job type) of the customer's work place. For example, when the job type is sales, an advertisement for sales-related books and business shoes is displayed. Display advertisements for magazines and high fuel consumption commercial vehicles. The gender 21 represents a gender distinction. In the case of a man, a product for men is displayed, and in the case of a woman, an advertisement for a product for women (for example, a commercial for cosmetics or new products) is displayed. The address 22 is an address of the home where the customer resides, and displays advertisements of the local special products. It also displays advertisements for nearby stores. Age 23 represents the age of the customer, and displays an advertisement corresponding to each generation. Credit 24 is credit information of the customer. If the credit rating is relatively high, an advertisement for a product with a high added value, such as consideration for the environment, is displayed. Show ads for. The family member 25 is a member of a family member including a customer. When a single person is present, an advertisement in which the individual customer is interested is displayed. In the case of two couples, an advertisement in which a spouse is interested is displayed. If you have children, display advertisements tailored to your child's age and gender. In addition to this, if the customer's annual income is relatively high, an advertisement for a product with high added value, such as environmental considerations, is displayed. If the annual income is relatively low, an advertisement for a reasonable product is displayed. Is displayed.

FIG. 2A is a diagram illustrating a process of selecting an advertisement based on the customer attributes described above. For example, assume the customer attributes are as follows: The occupation type 20 is manager, the gender 21 is male, the address 22 is near the city, the age is 50 years old, the creditworthiness is relatively high, and the family composition is spouse and two children.
As a first step, a candidate is selected from a business-related magazine or an advertisement for a fuel-efficient business vehicle, judging from the place of work (job type) 20 and gender 21. As a second stage, a dealer near the address 22 is selected from the candidates selected in the first stage, and as a third stage, a high fuel consumption sales business handled by the dealer selected in the second stage. Select the vehicle type from the vehicle candidates. In this way, the advertisement 26 most suitable for this customer is finally narrowed down and displayed on the operation display unit of the automatic contract machine 4.

  FIG. 2B is a diagram for explaining community-based information provision based on the automatic contract machine. For example, as Step 1, it is determined which of the address (home) 29 and the work location 30 is closer to the installation location of the automatic contract machine, and the closer one is selected. In this example, it is assumed that the address 29 is close. As step 2, the season and time are determined from the date and time of visit (date and time when the automatic contractor is operated) and time. For example, if the customer visits the store on July 2 at 10:00 am, it is determined that the season 27 is summer and the time 28 is morning. As step 3, information with high priority for the customer is provided from season 27 (summer), time 28 (morning), and address 29 (home). Here, taking time 28 as an example, if the time is in the evening and the distance from the automatic contract machine is closer to the address 29 than the work place 30, an advertisement of a supermarket near the home is displayed. If the time is evening and the distance from the automatic contract machine is closer to the work place 30 than the address 29, an advertisement for a restaurant near the work place is displayed. When the time is night and the distance from the automatic contract machine is closer to the work place 30 than the address 29, an advertisement of a taxi company near the work place is displayed.

  FIG. 3 is a diagram illustrating the work of the customer and the work of the financial institution when the customer operates the automatic contract machine in time series. The upper side represents customer work, and the lower side represents financial institution work. First, a new customer inputs necessary items from the operation display unit according to the instruction (reception 35). At this time, it is checked whether there are any mistakes or deficiencies in the various data input as financial institution work (reception 39). When the customer input is completed, an explanation about the contract is displayed on the operation display section (contract description 36). From that point on, the customer review starts as a financial institution work (screen 40). The contract explanation 36 generally ends in 20 to 30 minutes, but the examination 40 may take 40 minutes or more. Therefore, the advertisement 37 is displayed on the operation display unit in the meantime. At this time, what kind of advertisement is to be displayed is selected and displayed based on the customer information obtained from the reception 35 as described with reference to FIG. In addition, since the time for displaying the advertisement varies depending on the content of the advertisement, it does not always match the end point a of the examination. For example, if the time point b at which the advertisement ends is longer than the screening end time (point a), the advertisement is displayed without interruption until point b. A copy and a card are issued (reference numeral 38), and the process ends.

  FIG. 4 is a schematic diagram for explaining an operation procedure according to another embodiment of the present invention. In this embodiment, after receiving a review 40 from the receptions 35 and 39, a contract explanation 36 is given to the customer. When the review is completed and a contract is reached, a copy of the application form and a card issuance 38 are performed. However, while the contract explanation 36 is finished and the examination 40 is continuing, as shown in FIG. 3, not only advertisements are displayed, but also commercials and information (products and services) are automatically selected and guided. . For example, since the guidance products vary depending on the customer and the season, the microwave oven 41 is displayed for the customer A, and the jeans 42 are displayed for the customer B. In addition to guidance, it is also possible to accept product orders. Further, since the number of customers is limited, it is possible to record the preference of the customer based on the customer information input by the customer and utilize it for the subsequent customer service.

  FIG. 5 is a diagram showing an external configuration of an automatic contract machine constituting the automatic contract system of the present invention. The automatic contract machine 4 includes a customer sensor 121 that detects that a customer has approached the automatic contract machine 4, a card removal / take-in port 122 that is taken out to return the card after the card is inserted and the information is read. , A face camera window 123 that captures the customer's face with a camera when the customer sits in front of the automatic contract machine, a handset 124 that calls and talks to an attendant during operation, and presses documents on the screen for reading by the scanner A holding plate 125, a reading button 126 that gives an instruction to read a document by a scanner, a license reading unit 127 that reads a license that proves that the customer is the person, and guidance information when an advertisement is displayed. A speaker 129 to be flown, a camera window 131 for photographing a customer's hand, an operation display unit 132 for displaying contract explanations and advertisements, and printing and outputting a form And it is configured to include a document discharge port 133. Note that the detailed description of the automatic contract machine 4 is omitted here because it is not the gist of the present invention.

  FIG. 6 is a flowchart for explaining the most basic operation of the automatic contract system of the present invention. First, when the customer approaches the automatic contract machine, it is detected by the customer sensor 121, and an initial screen for application is displayed on the operation display unit 132. For example, when an application button is displayed and the button is touched, the application is accepted. (S1). Next, to identify whether the customer is a new customer or a contracted customer, a selection button is displayed. S11). The information is sent to the server 1, and the examination control unit 5 checks whether it is stored in the customer information DB 9, and if it is stored, examination is started (S4). On the other hand, if it is a new customer in step S2, necessary items necessary for the contract are input from the operation display unit 132 (S3). The information is recorded in the customer information recording means 7 in the examination control unit 5. When all necessary items are prepared, the examination is started (S4). When the examination is started, a contract explanation such as precautions for the contract is displayed on the operation display unit 132. When the contract explanation ends (YES in S5), based on the credit information stored in the customer information DB 9, The advertisement selection means 10 in the advertisement control unit 6 selects an advertisement from the advertisement DB 12 (S6), and displays the advertisement on the operation display unit 132 (S7). The customer sees this ad until the review is complete. When the examination is completed (YES in S8), it is checked whether or not the advertisement display has been completed at that time (S9). If not completed, the process returns to step S7 to continue the advertisement display and the advertisement display is completed. If so, issue a copy of the application form and a card and finish (S10). It should be noted that if the examination is completed while the advertisement is displayed, the display of the advertisement may be interrupted immediately.

  FIG. 7 is a flowchart for explaining the operation of advertisement display after examination is started in the automatic contract system of the present invention. In the present embodiment, as an advertisement selection means, an automatic selection mode for automatically selecting advertisement information stored in the advertisement DB 12 based on the credit judgment result by the credit judgment means 8 and other additional information, and customer input An arbitrary selection mode for selecting advertisement information stored in the advertisement DB 12 based on information and a requester selection mode for selecting advertisement information stored in the advertisement DB 12 according to selection conditions set by the advertisement requester will be described.

  When the automatic selection mode is selected by the mode selection means 13 (YES in S21), the advertisement selection section 10 in the advertisement control unit 6 performs the advertisement DB 12 based on the credit information and additional information stored in the customer information DB 9. The advertisement is selected from (S22), and the advertisement is displayed on the operation display unit 132 (S23). The customer sees this ad until the review is complete. When the examination is completed (YES in S24), it is checked whether or not the advertisement display has been completed at that time (S25). If the advertisement has not been completed, the process returns to step S23 to continue the advertisement display and the advertisement display is completed. If so (YES in S25), the examination control unit 5 verifies whether or not the contract is possible (S26). If the contract is not possible, the fact is displayed on the operation display unit 132, and the contract is terminated. If it is determined to be acceptable, a copy of the application form and a card are issued (S27), and the customer is again asked to determine whether or not to view the advertisement (S28). If it is viewed again, an advertisement is displayed on the operation display unit 132 (S29). At this time, the same advertisement may be displayed, or another advertisement may be displayed. Then, the customer determines whether or not to purchase the advertisement item while displaying each advertisement (S30), and when purchasing the advertisement item, points are added or the amount of the item is discounted by a predetermined amount. (S31). Thereafter, an inquiry is made as to whether or not an advertisement of the purchased item or information on the item of interest is to be emailed to the customer's terminal 14 (S32). If there is a request for email, the customer's email address is emailed (S33). .

When the arbitrary selection mode is selected by the mode selection means 13 (YES in S34), the customer inputs the field of the advertisement to be viewed from the operation display unit 132 (S35). Next, it is determined whether the subsequent selection operation is automatically performed or whether the arbitrary selection is continued as it is (S36), and if it is performed automatically, the process proceeds to step S22. When the optional selection is continued, necessary information is input according to the instruction on the screen of the operation display unit 132 (S37), and an advertisement is selected from the advertisement DB 12 by the advertisement selection means 10 in the advertisement control unit 6 based on the information. (S38), the process proceeds to step S23.
When the client selection mode is selected by the mode selection unit 13 (S40), an advertisement is selected from the advertisement DB 12 by the advertisement selection unit 10 in the advertisement control unit 6 based on the selection condition set by the client. (S41), the process proceeds to step S23.

  As described above, the advertisement selection means 10 includes mode selection means for selecting three modes: an automatic selection mode, an arbitrary selection mode, and a requester selection mode. Here, when the arbitrary selection mode is selected, the customer inputs the field of the advertisement he / she wants to see (for example, a car or the like), and starts the selection limited to that field. At this time, if it is bothersome to input information such as attributes thereafter, it can be left to the automatic selection mode. Further, the advertisement requester wants the customer who wants to see the requested advertisement most to select it. Accordingly, since the selection conditions are set only for the customer segment, it is not preferable to change the setting conditions. In addition, since the customer who has reached the contract has a sufficient financial capacity, it is effective to display the advertisement information again. Therefore, in the present embodiment, the customer's willingness to purchase is improved by displaying the advertisement information again only for the customer who has received the contract approval determination and has reached the contract. Therefore, in the present embodiment, as the next step, whether or not to actually purchase goods or services related to the advertisement is selected and the will of the customer is confirmed. In addition, when a customer purchases an article or service related to an advertisement, as a next step, in order to have the customer become a repeater, the number of points is given or a predetermined price is determined based on the price of the purchased article or service. A discount is provided. Further, customers who purchase or use goods or services from advertisements may want to know more detailed information. In order to meet such a demand, in the present invention, detailed advertisement information is separately transferred to the customer's mail address.

  As described above, according to the present invention, the automatic contract machine 4 having an operation display unit for concluding a loan contract with a new customer, and the new customer connected to the automatic contract machine 4 An automatic contract system 100 including a server 1 that performs examination on whether or not a loan is allowed based on input information, the server 1 having a screening control unit 5 that examines whether or not a loan is available for a new customer, and a screening An advertisement control unit 6 for selecting and transferring predetermined advertisement information to the automatic contracting machine 4 during the examination of the new customer by the control unit 5, and using the time until the examination is completed Since the information is transferred to the automatic contract machine 4 and displayed on the operation display unit, the customer can effectively spend the waiting time by viewing the advertisement during the examination.

  Further, the examination control unit 5 temporarily stores the customer information input from the automatic contract machine 4 in the customer information recording means 7 and makes a credit judgment based on the information. When the credit information is finished, the customer information is stored in the customer information DB 9. The advertisement control unit 6 stores the advertisement information requested by the advertisement requester in the advertisement DB 12, selects the advertisement information from the advertisement DB 12 based on the credit determination result and other additional information, Since the selected advertisement information is transferred to the automatic contracting machine 4, the credit information necessary for the examination can be effectively used as a condition for selecting the advertisement, and the optimum advertisement information for the customer can be selected quickly and optimally. Can do.

Further, since the advertisement selection means 10 includes at least one of the customer's sex, job type, age, address, annual income, family structure, etc. in the customer information, the customer attribute should be accurately reflected in the selection condition. Can do.
Further, since the advertisement selection means 10 includes at least one of the season information and the time information in the other additional information, it can reflect the season and time that affect the behavior of the customer in addition to the attribute. .

Further, the advertisement control unit 6 determines whether the installation location of the automatic contract machine operated by the customer is closer to the customer's home address or work address, and from the advertisement requester located near the automatic contract machine. Since the advertisement selection means 10 selects the advertisement information, the advertisement according to the behavior of the customer can be provided accurately.
Further, the advertisement control unit 6 narrows down the customer attributes included in the customer information and selects the optimal advertisement information by the advertisement selection means 10, and therefore can provide an advertisement that accurately reflects the customer attributes.
Further, the server 1 uses the time until the examination is completed to transfer the advertisement information selected by the advertisement selection means 10 to the automatic contract machine 4 by the advertisement transfer means 11, and displays the operation display unit of the automatic contract machine 4. If the review is completed while the advertisement information is displayed on the screen, the review process will wait until the display of this advertisement information is completed, so that the advertisement information can be prevented from being interrupted, and I can tell you enough.

  Further, the advertisement selection means 10 includes an automatic selection mode for automatically selecting advertisement information stored in the advertisement DB 12 based on the credit judgment result by the credit judgment means 8 and other additional information, and customer input information. One of an arbitrary selection mode for selecting advertisement information stored in the advertisement DB 12 based on a requester selection mode for selecting advertisement information stored in the advertisement DB 12 according to a selection condition set by the advertisement requester. If the mode selection means 13 is selected, and the optional selection mode is selected by the mode selection means 13, by inputting the field of the advertisement that the customer wants to see, it is limited to the input advertisement field and thereafter Since it is possible to select whether to leave the selection to the automatic selection mode or to continue the optional selection mode, the range of selection is narrow because the field of advertisement is limited. Ri can be enhanced selection speed.

In addition, when the client selection mode is selected by the mode selection means 13, the advertisement information is selected unconditionally based on the selection condition set by the client, so that the customer who sufficiently reflects the request of the client of the advertisement is selected. Advertisement information can be provided.
In addition, when the examination control unit 5 determines that the contract is acceptable, the server 1 issues a copy of the application form and a card to the customer, and determines whether or not to display the advertisement information on the operation display unit again. Since the re-display selection means for selecting is provided, it is possible to take in customers who are highly motivated to purchase.
Further, since the server 1 includes the purchased item selection means for selecting whether or not to purchase and use the article or service related to the advertisement when the advertisement information is displayed by the redisplay selection means, the advertisement is provided. In addition, it is possible to save the trouble of separately purchasing goods and services related to the advertisement.

In addition, when the goods or services related to the advertisement are purchased by the purchased goods selection means, the server gives points to the customer or gives a predetermined discount from the priced goods of the purchased goods or services. The server 1 provided with the customer service means for providing the customer with the number of points or the price of the purchased article or service when the article or service related to the advertisement is purchased by the purchased article selection means. Since the customer service means for performing a predetermined discount is provided, customers can be secured as repeat customers.
Further, since the server 1 is provided with a mail transfer means for separately transferring the advertisement information requested by the customer to the mail address of the customer, it is possible to make the customer know more detailed advertisement information.

It is a schematic block diagram of the automatic contract system of one Embodiment of this invention. It is a schematic diagram explaining the operation | movement which the advertisement selection means of this invention selects an advertisement from a customer's attribute. It is a figure explaining the work of a customer when a customer operates an automatic contract machine, and the work of a financial institution in time series. It is a schematic diagram explaining the operation procedure which concerns on other embodiment of this invention. It is a figure which shows the external appearance structure of the automatic contract machine which comprises the automatic contract system of this invention. It is a flowchart explaining the most basic operation | movement of the automatic contract system of this invention. It is a flowchart explaining operation | movement of the advertisement display after examination starts in the automatic contract system of this invention.

Explanation of symbols

  1 server 2 network 3 advertiser terminal 4 automatic contractor 5 examination control unit 6 advertisement control unit 7 customer information recording means 8 credit judgment means 9 customer information DB 10 advertisement selection means 11 advertisement transfer Means, 12 advertisement DB, 13 mode selection means, 100 automatic contract system

Claims (13)

An automatic contract machine having an operation display unit for concluding a loan contract with a customer, and a server that is connected to the automatic contract machine and is responsible for examining loan availability based on information input by the customer; An automatic contract system with
The server includes an examination control unit that examines whether or not a loan is available for the customer, an advertisement control unit that transfers predetermined advertisement information to the automatic contract machine during the examination about the customer by the examination control unit, With
An automatic contract system, wherein predetermined advertisement information is transferred to the automatic contract machine using the time until the examination is completed and displayed on the operation display unit. The examination control unit stores customer information recording means for recording customer information input from the automatic contract machine, credit judgment means for making a credit judgment of a customer based on the customer information, and storing a plurality of the customer information And a customer information database
The advertisement control unit is stored in the advertisement database based on an advertisement database that stores advertisements to be displayed on the automatic contract machine, the customer information, a credit determination result by the credit determination unit, and other additional information. The automatic contract according to claim 1, further comprising: an advertisement selection means for selecting advertisement information; and an advertisement transfer means for transferring the advertisement information selected by the advertisement selection means to the automatic contract machine. system.   3. The automatic contract according to claim 1, wherein the advertisement selection unit includes at least one information of a customer's sex, job type, age, address, annual income, family structure, and the like in the customer information. system.   The automatic contract system according to claim 1 or 2, wherein the advertisement selection means includes at least one of season information and time information in the additional information.   The advertisement control unit determines whether the installation location of the automatic contract machine operated by the customer is closer to the customer's home, residence or work place, and an advertisement from an advertisement requester located near the automatic contract machine The automatic contract system according to any one of claims 1 to 4, wherein information is selected by the advertisement selection means.   5. The automatic contract according to claim 1, wherein the advertisement control unit narrows down customer attributes included in the customer information and selects optimal advertisement information by the advertisement selection unit. 6. system.   The server uses the time until the examination is completed to transfer the advertisement information selected by the advertisement selection means to the automatic contract machine by the advertisement transfer means, and the operation display unit of the automatic contract machine 7. The automatic check according to any one of claims 1 to 6, wherein when the examination is completed while the advertisement information is being displayed, the examination completion is waited until the display of the advertisement information is completed. Contract system. The advertisement selection means includes an automatic selection mode for automatically selecting advertisement information stored in the advertisement database based on a credit judgment result by the credit judgment means and other additional information, and input information of the customer. An arbitrary selection mode for selecting the advertisement information stored in the advertisement database based on the requester selection mode for selecting the advertisement information stored in the advertisement database according to the selection condition set by the advertisement requester. Comprising mode selection means for selecting one of them,
When the arbitrary selection mode is selected by the mode selection means, the customer selects the desired advertisement field, and entrusts the subsequent selection to the automatic selection mode by limiting to the input advertisement field. The automatic contract system according to any one of claims 1 to 7, wherein it is possible to select whether to continue the arbitrary selection mode.   The advertisement information is selected unconditionally based on a selection condition set by the requester when the requester selection mode is selected by the mode selection means. The automatic contract system according to one item.   The server issues a copy of the application form and a card to the customer when the examination control unit determines that the contract is acceptable, and determines whether to display the advertisement information on the operation display unit again. The automatic contract system according to any one of claims 1 to 9, further comprising a re-display selection unit for selecting.   The said server was provided with the purchase goods selection means to select whether the goods and service which concern on this advertisement are purchased when the said advertisement information is displayed by the said re-display selection means. The automatic contract system according to any one of 1 to 10.   The server is a customer who gives a point to the customer or gives a predetermined discount from the price of the purchased product or service when the product or service related to the advertisement is purchased by the purchased product selection means. 12. The automatic contract system according to claim 1, further comprising service means.   The automatic contract system according to any one of claims 1 to 12, wherein the server includes mail transfer means for separately transferring advertisement information requested by the customer to a mail address of the customer.

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