JP2009025991A - Financing system, financing method, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To shorten a time from application to financing execution by making it possible to receive application at night when the use frequency of the Internet is high without imposing the personnel expenditure of a reception center. <P>SOLUTION: Data to be used for judging whether or not the contents of application necessary upon investigation is false are acquired, and the credit information data of an applicant are acquired from a credit information center, and the investigation of the applicant is executed based on the acquired data, and financing processing is executed, and a financing sum is transferred to the account of the applicant. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a technology for automatically performing from application acceptance to examination, approval, and fund transfer for an application for personal financing on the Internet.

  There is a method of accepting applications for personal loans on the Internet, examining, and transferring funds.

Here, it consists of a loan server used by the loan institution and a storage device that stores a prospective recipient account of the prospective recipient who is scheduled to receive funds from the loan applicant. When the application data is received, it is judged whether or not the loan is possible, and when it is determined that the loan is possible, the loan server creates the transfer data, and the loan server creates the designated account included in the transfer data when creating the transfer data. Provide a system for saving funds and transfer fees by transferring funds quickly to the account of the prospective recipient, making it a transfer destination account and transferring the funds directly to the account of the prospective recipient. A technique that can be used has been proposed (see, for example, Patent Document 2).
JP 2003-036354 A

  However, in the related technology described above, there are parts that must be relied upon by the human system during the examination process, such as investigation of whether the application contents are false or confirmation of the applicant's credit information.

  An object of the present invention is to provide a loan system, a loan method, and a program that can be received at night when the use frequency of the Internet is high without incurring labor costs of a reception center and that can shorten the time from application to loan execution. .

  The loan system of the present invention is a loan system for applying for a loan on the Internet, obtains data used to judge whether the application contents required at the time of appraisal are false, and obtains credit from the credit information center. Information data is acquired, the applicant is examined based on the acquired data, the loan process is executed, and the loan amount is transferred to the applicant's account.

  The financing method of the present invention is a financing method for applying for a loan on the Internet, and obtains data used for judging whether the application contents required at the time of examination are false or not, and obtains credit from the credit information center. Information data is acquired, the applicant is examined based on the acquired data, the loan process is executed, and the loan amount is transferred to the applicant's account.

  In addition, the program of the present invention causes a computer to acquire data used to determine whether the application contents required at the time of examination are false, to acquire the applicant's credit information data from the credit information center, and to acquire the acquired data. Based on the above, the applicant is examined, the loan process is executed, and the process of transferring the loan amount to the applicant's account is executed.

  According to the present invention, it is possible to accept at night when the use frequency of the Internet is high without incurring labor costs of the reception center, and it is possible to shorten the time from application to execution of financing.

  Referring to FIG. 1, in this embodiment, a center system including a reception server (10), a screening server (20), a billing server (30), a mail server (40), and the Internet (100). An applicant terminal (110) connected through a dedicated network, a credit information center (120) connected through a dedicated network, an automatic money transfer system (130) connected through a dedicated network, and an applicant account ( 140).

  The applicant terminal (110) is an information processing apparatus that can use the Internet environment such as a personal computer or a mobile phone, and an application form and an intention confirmation form provided by the reception server (10) via the Internet (100). It has a function to access and display the screen and input data to the form. In addition, the applicant terminal (110) has a function of receiving electronic mail.

  The reception server (10) is an information processing device such as a workstation server installed in the center, and provides an application form and an intention confirmation form on the Internet, and a function for checking inconsistency of data entered in the form. It has. Moreover, the reception server (10) has a function of transmitting data after the contradiction check to the examination server (20). The application data after the contradiction check input from the application form is used to examine the application content. The intention confirmation data after the contradiction check input from the intention confirmation form is used to determine the intention confirmation and remittance amount of the applicant.

  The examination server (20) is an information processing device such as a workstation server installed in the center, and various types of information for confirming the validity of the application content based on the application data received from the reception server (10). It has a function to collect data related to personal information from various types of information. The examination server (20) has a function of transmitting the application data received from the reception server (10) to the credit information center (120) and receiving the applicant's credit information data. The examination server (20) has examination rules, and has a function of conducting examinations according to the examination rules based on all collected data relating to the applicant. Further, it has a function of transmitting e-mail information for transmitting the examination result to the applicant to the mail server (40). The examination server (20) has a function of making a decision based on the intention confirmation data received from the reception server and transmitting the application data and the intention confirmation data to the accounting server.

  The accounting server (30) is an information processing device such as a workstation server installed in the center. Based on the data received from the examination server (20), the automatic remittance system ( 130). In addition, it has a function of transmitting e-mail information for transmitting the transfer execution result to the applicant to the mail server (40).

  The mail server (40) is an information processing apparatus such as a workstation server installed in the center, and transmits an e-mail based on the e-mail information received from the examination server (20) and the accounting server (30). It has a function to do.

  The credit information center (120) is a credit information provider having credit information, and has a function of transmitting the applicant's credit information data based on the application data received from the examination server (20).

  The automatic remittance system (130) is a service that performs transfer on behalf of the transfer, and has a function of transferring funds to the applicant account (140) based on the data received from the account server (30).

Next, the operation of this embodiment will be described in detail with reference to FIGS.
First, when the applicant accesses the home page established by the acceptance server (10) from the applicant terminal (110) (step A1) (step A1), the acceptance server (10) responds to the request by the application form. The screen information is transmitted to the applicant terminal (110) (step A2).

  On the applicant terminal (110), an application form screen is displayed (step A3), and the applicant applies for name, date of birth, address, telephone number, e-mail address, workplace, bank account, desired loan amount, etc. The application data concerned is input (step A4), and the input data is transmitted to the receiving server (10) (step A5).

  When receiving the application data (step A6), the receiving server (10) performs application data inconsistency checks such as the number of digits and attribute check and the consistency check of the postal code and address (step A7).

  If the determination is NG in the application data inconsistency check, the reception server (10) transmits the re-input screen information to the applicant terminal (110) (step A8), and the re-input screen is displayed on the applicant terminal (110). It is displayed (step A9), and the process is performed again from the input of application data (step A4).

  If the determination is OK in the application data inconsistency check, the reception server (10) transmits reception completion screen information to the applicant terminal (110) (step A10), and the reception completion screen is displayed on the applicant terminal (110). It is displayed (step A11).

  The receiving server (10) transmits application data to the examination server (20) (step A11), and the examination server (20) receives the application data (step A13).

  The examination server (20) collects data related to the applicant's personal information and confirms consistency based on the application data (step B1), and the examination server (20) sends the application data to the credit information center (120). (Step B2).

  Upon receiving the application data (step B3), the credit information center (120) transmits the applicant's credit information data to the examination server (20) based on the application data (step B4), and the examination server (20) The credit information data is received (step B5).

  The examination server (20) performs application examination according to the examination rules based on the data relating to the applicant and the credit information data (step B6).

  After the examination, the examination server (20) transmits the examination result and information for mail transmission to the mail server (40) (step B7).

  The mail server (40) receives the examination result mail information (step B8) and transmits the mail to the applicant (step B9).

  The applicant receives the examination result mail at the applicant terminal (110) (step B10). If the judgment result is NG, the process is terminated.

  If the examination result determination is OK, the applicant server (110) accesses the reception server (10) (step B11), and in response to this, the reception server (10) sends the intention confirmation form screen information to the applicant. It transmits to a terminal (110) (step B12).

  At the applicant terminal (110), the intention confirmation form screen displaying the loanable amount is displayed (step B13), the applicant inputs the intention and the desired loan amount (step B14), and the input data is received by the receiving server ( 10) (step B15).

  Upon receipt of the intention confirmation data (Step B16), the reception server (10) confirms the intention of the applicant, and if the applicant desires a loan, checks whether the desired loan amount is within the loanable amount ( Step B17). If the loan request is larger than the loanable amount, the reception server (10) transmits the re-input screen information to the applicant terminal (110), and the re-input screen is displayed on the applicant terminal (110). Then, the process is performed again from the input of intention confirmation data (step B14).

  The reception server (10) transmits intention confirmation data to the examination server (20) (step B18).

  The examination server (20) receives the intention confirmation data (step B19), and if the applicant does not wish for the loan, the examination server (20) ends. If the applicant wishes to lend, the application data and the desired loan amount are transmitted as membership data to the account server (30).

  The accounting server (30) receives the member data (step B21).

  The account server (30) transmits the transfer account information and loan amount information of the applicant to the automatic money transfer system (130) based on the member data. The account server (30) transmits the transfer execution information and information for mail transmission to the mail server (40), and transmits the transfer execution mail from the mail server (40) to the applicant.

  The automatic remittance system (130) transfers the loan amount to the applicant account (140).

  According to the present embodiment, it is possible to accept at night when the use frequency of the Internet is high without incurring the labor cost of the reception center, and there is an effect that the time from application to execution of the loan can be shortened. The reason for this is that the application contents are automatically reviewed and the process from application acceptance to loan execution is fully automatic without any stagnation due to human work.

  As another embodiment of the present invention, the examination server (20) does not hold various information for confirming the validity of the application content based on the application data, but the examination server (20) provides other information. There is also a way to connect and collect services.

  Further, the examination server (20), the billing server (30), and the mail server (40) can be provided in the same casing.

  Each of the above-described embodiments is a preferred embodiment of the present invention, and various modifications can be made without departing from the gist of the present invention. For example, you may perform the process which implement | achieves a function by making a various server read and run the program for implement | achieving the function of various servers. Further, the program is transmitted to another computer system by a transmission wave via a computer-readable recording medium such as a CD-ROM or a magneto-optical disk, or via a transmission medium such as the Internet or a telephone line. Also good.

1 is a system configuration diagram according to an embodiment of the present invention. It is a figure which shows the processing operation of a present Example. It is a figure which shows the processing operation of a present Example.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Reception server 20 Examination server 30 Account server 40 Mail server 100 Internet 110 Applicant terminal 120 Credit information center 130 Automatic remittance system 140 Applicant account

Claims (6)

A loan system for applying for loans on the Internet,
Acquire data used to determine whether the application details required at the time of appraisal are false, acquire the applicant's credit information data from the credit information center, examine the applicant based on the acquired data, and process the loan The loan system is characterized in that the loan amount is transferred to the applicant's account.   2. The loan system according to claim 1, wherein when it is determined that the loan is possible, the applicant is notified by e-mail. A loan method for applying for a loan on the Internet,
Acquire data used to determine whether the application details required at the time of appraisal are false, acquire the applicant's credit information data from the credit information center, examine the applicant based on the acquired data, and process the loan The loan method is characterized in that the loan amount is transferred to the applicant's account.   4. The loan method according to claim 3, wherein when it is determined that the loan is possible, the applicant is notified by e-mail.   Let the computer acquire the data used to determine whether the application details required at the time of appraisal are false, acquire the applicant's credit information data from the credit information center, and perform the appraisal of the applicant based on the acquired data. A program for executing a loan process and causing the applicant's account to transfer a loan amount.   6. The program according to claim 5, wherein if it is determined that the loan is possible, the applicant is notified by e-mail.

Images