JP2008117057A - Automatic contract system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic contract system that can minimize a customer's trouble with input operations and proceed to an examination process shortly by reducing operations of inputting customer information necessary for a contract. <P>SOLUTION: The automatic contract system has an automatic contract machine 1 for executing processing necessary for a contract between a customer and a company, and a credit decision server 3 connected to the automatic contract machine 1 via a communication line 2. The automatic contract machine 1 recognizes character strings from an image of the customer's contract-related document read by a scanner 7, extracts character information present between first fixed words and second fixed words from the character strings, and assigns the extracted character information to customer attributes depending on the types of the first fixed words and second fixed words to produce customer attribute information. Customer information including the customer attribute information is sent to the credit decision server 3, which makes a credit decision for the customer. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic contract machine that automatically performs a procedure relating to a contract such as a loan contract between a financial institution such as consumer finance and a customer, and a credit judgment server connected to the automatic contract machine via a communication line, In particular, the present invention relates to an automatic contract system that can reduce the burden on customers.

  In the financial industry such as consumer finance that provides loans to individuals, contract procedures using automatic contract machines that perform various procedures related to contracts installed in unmanned stores and the like are widespread. At that time, for example, the customer inputs the customer's attribute information such as address and name using the touch panel of the automatic contract machine, and also provides a certificate for identity verification such as a driver's license and health insurance insured card. The contract process is proceeding by having the document read by a scanner and verifying the identity.

  However, it is troublesome for the customer to input the attribute information with the automatic contracting machine, and the customer wants to input the information as easily as possible, and also wants to complete the contract procedure in a short time. In addition, there is also a problem that the contract procedure is interrupted due to a mistake in pressing an operation button when the customer makes a mistake in inputting attribute information and repeats corrections.

For this reason, in order to realize simple input of customer attribute information, conventionally, for example, when performing a procedure related to a contract between an automatic contract machine and a processing terminal on the center side connected via a communication line, An automatic contract system that automatically recognizes a character string indicating personal information described in a document related to a contract read by a scanner (for example, a driver's license as a personal identification document) and transfers it to a processing terminal on the center side is considered .
JP 2005-157458 A

  However, in the above configuration, the information automatically recognized from the document related to the contract is transferred to the processing terminal on the center side, the operator confirms the information sent to the processing terminal on the center side, and then based on this information. Since necessary information is inputted to the automatic credit system from the center side to obtain a credit result, it takes a processing time of the operator, and an operation input error by the operator can be considered. Even if the automatically recognized information is used as it is, how to extract and use the necessary information is an important point.

  The present invention has been made in view of such circumstances, reduces the customer information input operation necessary for the contract, and can shift to examination in a short time without being bothered by the customer as much as possible. The main task is to provide an automatic contract system. Another issue is to prevent as much as possible screening from incorrect information.

  In order to achieve the above object, an automatic contract system according to the present invention receives an automatic contract machine that performs processing associated with a contract between a customer and a company, and is connected to the automatic contract machine via a communication line. A credit determination server that performs credit determination of the customer using customer information, and the automatic contract machine includes an image reading unit that reads an image of a document related to the contract of the customer, and the image reading unit. Based on the read image, character string recognition means for recognizing a character string on the image, and character information existing between the first fixed word and the second fixed word is extracted from the recognized character string. Character information extracting means for performing, attribute assigning means for assigning the extracted character information to the customer attribute from the types of the first fixed word and the second fixed word and making the customer attribute information, and the attribute assigning means Yo Customer information including the customer attribute information obtained Te is characterized by having a customer information transmitting means for transmitting to the credit determination server (claim 1).

  Therefore, in the automatic contract machine, the image of the document relating to the customer contract is read by the image reading means, the character string is recognized from the image read by the image reading means by the character string recognition means, and the character string is extracted by the character information extraction means. Character information existing between the first fixed word and the second fixed word is extracted from the character string recognized by the recognition means, and the character information extracted by the attribute assigning means is used as the first fixed word. Since the customer attribute information is assigned to the customer attribute from the word and the type of the second fixed word, customer information including the customer attribute information is transmitted to the credit determination server by the customer information transmitting means. The credit determination server can determine the credit of the customer using this customer information.

  Further, the automatic contract system displays the customer attribute information obtained by the attribute assigning means on the automatic contract machine, the attribute confirmation means for confirming whether the customer attribute information is correct and the result of confirmation by the attribute confirmation means, If it is recognized that there is an error in the customer attribute information, it may further comprise attribute correction means for correcting the customer attribute information (claim 2).

  When the customer confirms whether the customer attribute is correct or not by the attribute confirmation means, and the customer attribute is recognized to be incorrect, the customer attribute can be corrected by the attribute correction means. There is no inconvenience of screening.

The automatic contract machine further includes a required listening item extraction means that enables extraction of information related to the required listening items other than the customer attribute information obtained from the document related to the customer's contract,
The customer information may be composed of the customer attribute information and information related to the necessary listening items (claim 3).

  Usually, credit information requires personal information other than information that can be grasped from documents related to stylized contracts, such as family composition, annual income, educational background, etc. Information on these necessary listening items is a necessary listening item extraction means It is preferable that the information can be extracted from the customer information together with the customer information.

  Further, it is preferable that the document related to the customer contract is a standard document for performing identity verification such as a driver's license or a health insurance insured card in order to obtain accurate customer information.

  As described above, according to the present invention, in the automatic contract machine, the character string on the image is recognized based on the image of the document relating to the customer contract read by the image reading means, and among the recognized character strings. Character information existing between the first fixed word and the second fixed word is extracted, and the extracted character information is assigned to the customer attribute from the types of the first fixed word and the second fixed word. Since customer information including customer attribute information is sent to the credit judgment server and the credit judgment server uses the customer information to make the credit judgment of the customer. It is possible to shift to examination in a short time without being bothered by the information input operation.

  In addition, since necessary information necessary for the contract is extracted from the document related to the contract of the customer and assigned to the customer attribute, an input operation by the operator is performed when performing credit judgment by using the character information assigned to the customer attribute. It becomes unnecessary and it becomes possible to shift to examination in a short time.

  Furthermore, the automatic contract machine displays the customer attribute information and confirms whether the customer is correct or not. If the customer attribute information is found to be incorrect as a result of the confirmation, the customer attribute information can be corrected. , It is possible to prevent the examination based on the wrong attribute.

  Further, if the document relating to the customer contract is a standard document for verifying the identity of the driver's license, health insurance insured card, etc., it becomes possible to obtain accurate customer information.

  Embodiments of an automatic contract system according to the present invention will be described below with reference to the accompanying drawings.

  In FIG. 1, reference numeral 1 denotes an automatic contract machine for performing processing necessary for concluding a contract between a customer and a company such as a financial institution, and is connected to a credit judgment server 3 via a communication line 2 such as the Internet. By exchanging various kinds of information with the prediction judgment server 3, various procedures relating to loan contracts and the like are automatically performed.

  The automatic contract machine 1 is installed in an unmanned store or the like, and is used to input various information processed by the contract machine and to display the input information and guide the user's operation. In this example, the input unit 5 and the display unit 6 are configured by a touch panel display on which the input unit 5 is mounted so as to overlap the display unit 6.

  Further, the automatic contracting machine 1 includes a scanner 7 that reads an image such as a document (driver's license or health insurance insured card) for verifying the identity of the customer, and a credit determination server 3 via the communication line 2. A communication control unit 8 constituted by a router or the like that performs data communication processing between them, a scanner 7 and a communication control unit 8, and a microprocessor and a program for controlling the input unit 5 and the display unit 6 are stored. And a control unit 9 including a storage unit.

  As shown in the figure, the control unit 9 of the automatic contracting machine 1 uses an installed software to read an image of a document related to a customer contract triggered by a customer operation, and to read the image by an image reading unit. Based on the received image, the character string recognition process for recognizing the character string on the image, and character information existing between the first fixed word and the second fixed word is extracted from the recognized character string. Character string extraction processing, attribute assignment processing for assigning the extracted character information to the customer attribute from the types of the first fixed word and the second fixed word, and character information assigned to the customer attribute (customer attribute information) Is displayed on the display unit 6, and the customer attribute information displayed on the display unit 6 is recognized as having an error based on the attribute display process for allowing the customer to confirm whether the customer attribute information is correct and the operation of the customer input unit 5. Attribute correction processing that enables correction of customer attribute information, required listening item extraction processing that enables extraction of information related to required listening items other than information extracted from documents related to customer contracts, and customer attribute information And a function of performing customer information transmission processing for transmitting information on necessary listening items to the credit determination server.

  On the other hand, the credit determination server 3 is an information processing apparatus having a CPU, a ROM, a RAM, etc., and performs a credit determination using received customer information by a predetermined program held in the memory. A communication control unit 11 configured by a router or the like that performs data communication processing with the automatic contract machine 1 via the communication line 2, and a storage unit that stores a microprocessor, a program, and the like that control the communication control unit 11 And a control unit 12 configured by the above.

  As shown in the figure, the control unit 12 of the credit determination server 3 calculates an automatic credit amount using a predetermined credit table based on customer information transmitted from the automatic contract machine 1 by installed software. Has a function of performing the credit determination process. The credit determination server 3 also includes a customer database 13 that stores customer information and credit determination results transmitted from the automatic contract machine 1.

  FIG. 2 shows a flowchart of an example of operation processing performed by the automatic contract machine 1 and the credit determination server 3. Hereinafter, an example of operation processing of the automatic contract system will be described based on this flowchart. In the processing example shown here, a control program that can be read by the automatic contract machine 1 and the credit determination server 3 is supplied via a storage medium such as a CD-ROM or distributed via a network. This is done by installing the automatic contract machine 1 and the credit determination server 3 by executing the installed control program.

  First, when the customer operates the input unit 5 of the automatic contract machine 1 and starts the contract procedure, a message prompting for confirmation of product contents, use of personal information, etc. is displayed on the display unit 6, and confirmation and consent are sent to the customer. Is requested (step S1).

  In response to this request, if the customer operates the input unit 5 and displays an intention not to accept the confirmation and consent, the application is canceled, and thereafter, the contract procedure is not performed and the process is terminated (step S2).

  On the other hand, when the customer operates the input unit 5 and displays an intention to accept the confirmation and consent, for example, an identity confirmation document for confirming the identity is placed at a predetermined position on the scanner. In response to this request, the customer sets the personal identification document at a predetermined position of the scanner 7 (step S3), and performs a predetermined operation to start the reading process. In this example, a case will be described in which a standard document composed of a driver's license is used as the identity verification document.

  In response to this operation, the automatic contract machine 1 reads the driver's license image (FIG. 3A) (step S4).

  Thereafter, the automatic contract machine 1 performs OCR processing of the image of the identity confirmation document (driver's license) read in step S3 using the OCR processing program, and as shown in FIG. 3B, the driver's license. Is automatically recognized (step S5).

  Thereafter, character information describing personal information necessary for the contract is extracted from the character string recognized in S5 (step S6). This character information is obtained by recognizing the first fixed word and the second fixed word attached before and after the personal information to be extracted from the recognized character string, and acquiring the character information existing between them. Extract.

  For example, in a standard document for a driver's license, as shown in Fig. 3, between the letters "Name" and the letters "Showa", "Meiji", "Taisho", or "Heisei" The name is always written, and the date of birth is always written between the letter indicating the era and the letter "Nissei" indicating the date of birth, and the letters "address" and "delivery" Since the address is always described between the first fixed word and the second fixed word, the first fixed word and the second fixed word are assigned as shown in FIG. 4, and the first fixed word and the second fixed word are assigned to each other. Extract character information that exists between them.

  Then, the character information extracted in this way is assigned to the customer attribute from the types of the first fixed word and the second fixed word, thereby obtaining customer attribute information (step S7). That is, for example, character information between the characters “name” and characters indicating the era is assigned to “name” as the customer attribute of the customer, and this character information is used as customer attribute information for specifying the customer name.

  Similarly, the character information between the characters indicating the era and the characters “Nissei” is assigned to “birth date” as the customer attribute, and this character information is used as customer attribute information for identifying the date of birth of the customer, Further, character information between the characters “address” and “delivery” is assigned to “address” as a customer attribute, and this character information is used as customer attribute information for specifying the customer address.

  After assigning the extracted character information to the attribute in this way, the customer attribute information is displayed on the display unit 6 of the automatic contract machine 1 in association with the attribute as shown in FIG. 5 (step S8). .

  The display of the customer attribute information on the display unit 6 is performed together with a message prompting the user to confirm the content and request the correction of the display content, and requests the customer to determine whether there is confirmation and correction (step S9). .

  In response to this, when the customer confirms the displayed contents and confirms that the customer attribute information is incorrect and operates the input unit 5 (the touch part of the corresponding item on the touch panel is touched) ), The customer attribute information is corrected by performing a predetermined operation in accordance with the instructions on the screen (step S10).

  On the other hand, when the customer determines that there is no error in the customer attribute information, or when the correction of the customer attribute information is completed, the automatic contract machine 1 performs the predetermined operation of the input unit 5 to , Automatically extract the necessary listening items (for example, items that cannot be grasped from the driver's license, such as family composition, annual income, work information, purpose of use, etc.) necessary for credit other than customer attribute items obtained from the driver's license The customer is prompted to input information related to the necessary listening items, and information related to the necessary listening items is acquired (step S11).

  For obtaining the information on the necessary listening item, for example, a screen that prompts the user to input information on the necessary listening item is displayed on the display unit 6, and the customer receives information on the necessary listening item from the input unit 5 by inputting characters or Input is made by selection, and this operation is sequentially repeated for each necessary listening item, and is performed for all necessary listening items necessary for credit.

  Thereafter, the customer information including the customer attribute information, that is, the customer attribute information obtained in steps S7 and S10 and the information on the necessary listening items necessary for the credit obtained in step 11 are credited via the communication control unit 8. It transmits to the server 3 (step S12).

  In the credit determination server 3, when the communication control unit 11 receives the customer information transmitted from the automatic contract machine, the credit determination is automatically executed based on the customer information (step S13), and the credit determination result is sent to the automatic contract machine 1. To the customer, a member number is assigned to the customer, and the customer information and the credit judgment result transmitted from the automatic contract machine 1 are stored in the customer database 13 in association with the member number (step S14).

  Therefore, according to the above-described automatic contract system, the character string on the image is automatically recognized based on the image of the identity confirmation document (driver's license) read by the scanner 7, and the first character string is recognized from the recognized character strings. Character information existing between the fixed word and the second fixed word is extracted, and the extracted character information is assigned to the customer attribute from the types of the first fixed word and the second fixed word, and the customer attribute information After that, let the customer check the customer attribute information and make corrections if necessary, obtain information on the necessary listening items necessary for credit, and obtain information on the customer attribute information and the necessary listening items. Is transmitted to the credit determination server 3 and the credit determination server 3 uses this customer information to perform the credit determination of the customer. The input is not required, since it is appropriately modified, if necessary, it is unnecessary to worry about the input operation of the customer attribute information. For this reason, it is possible to promptly shift the contract procedure to input of information on the required listening items, and it is possible to shift to examination in a short time.

  The customer attribute information is extracted from the driver's license, which is the identity verification document. If the customer attribute information is confirmed to be correct and the customer attribute is found to be incorrect, the customer attribute information is Since the correction can be made, there is no inconvenience that the examination is performed based on incorrect customer attribute information.

  In the above configuration, an example using a driver's license, which is a personal identification document, is shown as a document relating to a contract for obtaining customer attribute information. You may use documents about. For example, in the health insurance insured card used as the identity verification document, since the items to be written are standardized, the first fixed word and the first word in the character string written in the health insurance insured card For example, as shown in FIG. 6, two fixed words are allocated, character information existing between the first fixed word and the second fixed word is extracted, and the extracted character information is defined as the first fixed word. As shown in FIG. 7, the customer attribute information is displayed on the display unit 6 to be confirmed by the customer, as necessary. You may make it correct suitably.

  In addition, the documents used for acquiring customer attribute information are not limited to driver's licenses and health insured ID cards, but may also be used to some extent such as passports and Basic Resident Registration Cards. Good. In addition, the input unit 5 and the display unit 6 may be integrated as a touch panel type as described above or may be provided separately.

FIG. 1 is a block diagram showing a configuration example of an automatic contract system according to the present invention. FIG. 2 is a flowchart showing an example of operation processing of the automatic contract system according to the present invention. FIG. 3 is a diagram for explaining an example in which an image is read by a scanner using a driver's license that is an identification document as a document relating to a customer contract, and a character string on the image is automatically recognized by an OCR function. FIG. 4 is a table showing a correspondence relationship between the attribute about the driver's license and the fixed word. FIG. 5 is a diagram illustrating a state in which customer attribute information is displayed on the display unit based on the correspondence relationship in FIG. 4. FIG. 6 is a table showing the correspondence between attributes and fixed words when using a health insurance insured card, which is an identification document, as a document related to a customer contract. FIG. 7 is a diagram illustrating a state in which customer attribute information is displayed on the display unit based on the correspondence relationship in FIG. 6.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic contract machine 2 Communication line 3 Credit judgment server 5 Input part 6 Display part 7 Scanner

Claims (4)

An automatic contract machine that performs processing associated with a contract between a customer and a company, and a credit determination server that is connected to the automatic contract machine via a communication line, and that performs credit determination of the customer using received customer information; In an automatic contract system configured with
The automatic contract machine is
Image reading means for reading an image of a document relating to the customer contract;
A character string recognition means for recognizing a character string on the image based on the image read by the image reading means;
Character information extracting means for extracting character information existing between the first fixed word and the second fixed word from the recognized character string;
Attribute assignment means for assigning the extracted character information to a customer attribute from the type of the first fixed word and the second fixed word to be customer attribute information;
An automatic contract system comprising: customer information transmitting means for transmitting customer information including customer attribute information obtained by the attribute assigning means to a credit determination server. The automatic contract machine is
Displaying the customer attribute information obtained by the attribute assigning means, and allowing the customer to confirm whether the customer attribute information is correct or not;
2. The apparatus according to claim 1, further comprising: an attribute correction unit that enables the customer attribute information to be corrected when the customer attribute information is found to have an error as a result of the confirmation by the attribute confirmation unit. The automatic contract system described. The automatic contract machine is
Further comprising necessary listening item extraction means capable of extracting information on necessary listening items other than customer attribute information obtained from documents relating to the customer contract,
The automatic contract system according to claim 1, wherein the customer information includes the customer attribute information and information related to the necessary listening items. 2. The automatic contract system according to claim 1, wherein the document relating to the contract of the customer is a standard document for performing identity verification.

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