JP2009217747A - Contract management device, electronic contract method and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform electronic delivery of a document necessary for a contract. <P>SOLUTION: When this contract management device 10 acquires a peculiar ID of a mail-transmitting/receiving terminal 40 of a customer when it is decided that the contract can be concluded, the contract management device 10 inquires of a terminal information management device 50 managed by a communication carrier about the acquired peculiar ID. The contract management device 10 acquires terminal information including a mail address and a telephone number of the mail-transmitting/receiving terminal 40 specified from the peculiar ID from the terminal information management device 50, and compares the terminal information with terminal information including at least the telephone number of the mail-transmitting/receiving terminal 40 transmitted from an automatic contract machine 30. When two sides accord, the contract management device 10 registers the mail address of the mail-transmitting/receiving terminal registered in the terminal information management device 50 as a mail address of the customer. Thereby, the mail address of the customer is assured, so that the electronic delivery to the mail address becomes possible. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a contract management apparatus, an electronic contract method, and a computer program that can issue a document related to a contract by an electronic method.

  Financial institutions, etc. are obligated to issue a document regarding the contract when they conclude a loan contract. For example, as stipulated in Article 17 and Article 18 of the Money Lending Business Law, it is obliged to issue a document (contract confirmation, usage statement, receipt, etc.) showing the contract details to the contract partner. ing. For this reason, even when an automatic contract machine is used as the contract terminal device, a document indicating the contract contents is output from the automatic contract machine when the contract is concluded.

On the other hand, Patent Document 1 discloses a technique for electronically exchanging loan operations. However, even in such a technique, the electronic method is realized by accepting a loan, examination, and notification of examination results. The loan agreement is sent to the customer by mail.
JP 2001-357206 A

  In order to deliver the documents necessary for the contract by electronic means, address the e-mail address (referred to as “e-mail address” in this specification) of the e-mail transmission / reception terminal (cell phone, etc.) held by the customer. A configuration of transmitting written electronic data is conceivable. However, if there is an error in the customer's e-mail address, the electronic data of the written document does not reach the customer, and the delivery of the document necessary for the contract is not completed. In addition, if the electronic data of the document is transmitted to a mail address other than the principal, the fact of the contract and the contents of the contract will be known to a person other than the principal. Therefore, in order to realize the electronic delivery of the documents necessary for the contract, it is premised that a mechanism capable of reliably acquiring the correct mail address of the customer is constructed. In addition, it is very troublesome to input a mail address using the mail transmission / reception terminal, and unless the input work is facilitated, it is expected that the electronic delivery of the written document will be difficult.

  The present invention has been made in view of the above, and it is possible to reliably acquire a correct mail address of a mail transmission / reception terminal, to easily input the mail address, and to realize electronic delivery of documents necessary for a contract. It is an object of the present invention to provide a contract management apparatus, an electronic contract method, and a computer program that contribute to the spread.

  In order to solve the above-mentioned problems, the present inventor has a terminal information such as a telephone number and an e-mail address of an e-mail transmission / reception terminal having a telephone function such as a mobile phone, together with user information such as a contractor's name and address, Managed by telecommunications carriers (mobile carriers, etc.) and in recent years, mobile phones equipped with electronic payment functions are also increasing. Since more detailed personal information (user information) has been managed, the present invention has been completed by paying attention to the use of such information.

That is, in the present invention described in claim 1, regarding a contract concluded with a customer, a contract management apparatus capable of electronically delivering a document necessary for the contract,
Customer information receiving means for receiving terminal information including at least the telephone number of the customer's mail transmission / reception terminal having a telephone function, which is transmitted from the contract terminal device, together with customer information necessary for contract review;
Based on the received customer information, an examination means for examining whether or not a contract can be concluded;
Unique ID acquisition means for acquiring a unique ID for identifying at least the telephone number of the terminal for sending and receiving mail;
A terminal that inquires the terminal information management device that manages terminal information of the mail transmission / reception terminal for the unique ID, and obtains at least a telephone number and a mail address of the mail transmission / reception terminal specified from the unique ID as terminal information. Information inquiry means;
The terminal information of the terminal for mail transmission / reception registered in the terminal information management device acquired by the terminal information inquiry means, and the terminal information of the terminal for mail transmission / reception included in the customer information received by the customer information reception means Terminal information comparison means for comparison;
In the terminal information comparison unit, when it is determined that the comparison target items match, the mail address of the mail transmission / reception terminal registered in the terminal information management device acquired by the terminal information inquiry unit is There is provided a contract management apparatus comprising a mail address registration means as a transmission destination of written electronic data required for a contract.
In the present invention described in claim 2, regarding a contract concluded with a customer, a contract management apparatus capable of electronically issuing a document necessary for the contract,
Customer information receiving means for receiving customer information transmitted from the contract terminal device;
From the terminal information management device that manages the terminal information including the telephone number and the mail address of the customer mail transmission / reception terminal having a telephone function, the user information of the mail transmission / reception terminal recorded in the terminal information management device is obtained. User information receiving means for receiving together with the terminal information;
Screening means for examining whether or not a contract can be concluded based on at least the user information received by the user information receiving means;
User information comparing means for comparing customer identification items included in the customer information received by the customer information receiving means and the user information received by the user information receiving means;
In the user information comparison means, when the customer specific items match, the electronic address of the written data necessary for the contract with the customer is sent to the e-mail address included in the terminal information received by the user information receiving means. And an e-mail address registration means
When the terminal information management device receives consent information regarding providing the user information, the user information is transmitted, and the user information is received by the user information receiving means. A contract management apparatus is provided.
The present invention as set forth in claim 3, further comprising electronic delivery means for sending electronic data in writing necessary for a contract with the customer to the mail address registered by the mail address registration means. The contract management apparatus according to Item 1 or 2 is provided.
In the present invention of claim 4, there is provided a confirmation notification receiving means for receiving a confirmation notification for receipt confirmation of the electronic data of the document received by the mail transmission / reception terminal,
4. The contract management apparatus according to claim 3, further comprising usage restriction canceling means for canceling usage restrictions on a card held by a customer when the confirmation notification is received.
In the present invention according to claim 5, when a customer does not desire electronic delivery of the document, or when the items to be compared do not match, a document necessary for the contract is delivered from the contract terminal device. The contract management device according to any one of claims 1 to 4, further comprising a document delivery switching means for switching to (1).
In this invention of Claim 6, in the said examination means, when the information which overlaps regarding one examination item is contained in the said customer information and the customer information received by the said customer information receiving means, 3. The contract management apparatus according to claim 2, wherein whether or not a contract can be concluded is examined based on either one of the information or both of the information.
In the present invention described in claim 7, information is transmitted / received between the contract terminal device operated by the customer and the contract management device connected to the contract terminal device via the communication means, which is necessary for the contract. An electronic contract method for electronic delivery of documents,
Transmitting from the contract terminal device terminal information including at least the telephone number of the customer mail transmitting / receiving terminal having a telephone function to the contract management device together with customer information necessary for contract review;
The contract management device examines whether or not a contract can be concluded based on the received customer information;
As a result of the examination, after it is determined that the contract can be concluded, a step of transmitting an instruction to the customer to access a predetermined website to the contract terminal device;
In accordance with the instructions, a customer accesses the website through the mail transmission / reception terminal;
Acquiring a unique ID for identifying at least a telephone number of the mail transmission / reception terminal when a customer accesses the website by the mail transmission / reception terminal;
The unique ID is inquired to a terminal information management apparatus that manages terminal information of the mail transmission / reception terminal, and the telephone number and mail address of the mail transmission / reception terminal registered in the terminal information management apparatus are obtained from the unique ID. A step to obtain,
Comparing the terminal information of the mail transmission / reception terminal registered in the terminal information management apparatus with the terminal information of the mail transmission / reception terminal transmitted from the contract terminal apparatus;
When it is determined that the comparison target items of the terminal information match, the mail address of the mail transmission / reception terminal acquired from the terminal information management device is used as the transmission destination of the written electronic data necessary for the contract with the customer An electronic contract method characterized by comprising the steps of:
In the present invention described in claim 8, information is transmitted / received between the contract terminal device operated by the customer and the contract management device connected to the contract terminal device via the communication means, which is necessary for the contract. An electronic contract method for electronic delivery of documents,
Receiving customer information transmitted from the contract terminal device;
The present invention relates to providing customer information from the terminal information management device to the contract management device to a terminal information management device that manages terminal information including a telephone number and a mail address of a mail transmission / reception terminal having a telephone function. Sending consent information;
After the terminal information management device receives the consent information, transmitting the user information together with the terminal information to the contract management device;
The contract management device, based on at least the user information, to determine whether a contract can be concluded; and
Comparing customer specific items included in the customer information and the user information received in the contract management device;
When the customer-specific items match, the email address included in the terminal information received together with the user information is used as a transmission destination of written electronic data necessary for a contract with the customer. An electronic contract method characterized by the above is provided.
In the present invention according to claim 9, in the step of transmitting the consent information, when the terminal information management device is accessed from the mail transmission / reception terminal, a unique ID of the mail transmission / reception terminal is transmitted to the terminal information management device. 9. A message prompting an operation as to whether or not to consent to the provision of user information is displayed on the display means of the mail transmission / reception terminal, and the transmission operation of the consent information is performed according to the message. Provide the electronic contract method described.
In the present invention according to claim 10, from the contract management device to the electronic mail addressed to the e-mail address to send the electronic data of the document necessary for the contract with the customer,
After the customer confirms receipt of the electronic document data received by the mail sending / receiving terminal, and sending the confirmation notice;
The electronic contract method according to any one of claims 7 to 9, further comprising a step of releasing the restriction on use of a card held by a customer after the confirmation notification is received in the contract management apparatus. To do.
The present invention according to claim 11 provides the electronic contract method according to any one of claims 7 to 10, wherein the contract terminal device is implemented using a portable information terminal of a customer. .
In the present invention as set forth in claim 12, information is transmitted and received between a contract terminal device operated by a customer and a contract management device connected to the contract terminal device via communication means, which is necessary for the contract. A computer program installed in the contract management apparatus for electronic delivery of documents,
Customer information receiving means for receiving terminal information including at least the telephone number of the customer's mail transmission / reception terminal having a telephone function, which is transmitted from the contract terminal device, together with customer information necessary for contract review;
Based on the received customer information, an examination means for examining whether or not a contract can be concluded;
Unique ID acquisition means for acquiring a unique ID for identifying at least the telephone number of the terminal for sending and receiving mail;
A terminal that inquires the terminal information management device that manages terminal information of the mail transmission / reception terminal for the unique ID, and obtains at least a telephone number and a mail address of the mail transmission / reception terminal specified from the unique ID as terminal information. Information inquiry means;
The terminal information of the terminal for mail transmission / reception registered in the terminal information management device acquired by the terminal information inquiry means, and the terminal information of the terminal for mail transmission / reception included in the customer information received by the customer information reception means Terminal information comparison means for comparison;
In the terminal information comparison unit, when it is determined that the comparison target items match, the mail address of the mail transmission / reception terminal registered in the terminal information management device acquired by the terminal information inquiry unit is There is provided a computer program comprising mail address registration means as a transmission destination of written electronic data required for a contract.
In the present invention as set forth in claim 13, information is transmitted / received between a contract terminal device operated by a customer and a contract management device connected to the contract terminal device via communication means, which is necessary for the contract. A computer program installed in the contract management apparatus for electronic delivery of documents,
Customer information receiving means for receiving customer information transmitted from the contract terminal device;
From the terminal information management device that manages the terminal information including the telephone number and the mail address of the customer mail transmission / reception terminal having a telephone function, the user information of the mail transmission / reception terminal recorded in the terminal information management device is obtained. User information receiving means for receiving together with the terminal information;
Screening means for examining whether or not a contract can be concluded based on at least the user information received by the user information receiving means;
User information comparing means for comparing customer identification items included in the customer information received by the customer information receiving means and the user information received by the user information receiving means;
In the user information comparison means, when the customer specific items match, the electronic address of the written data necessary for the contract with the customer is sent to the e-mail address included in the terminal information received by the user information receiving means. And an e-mail address registration means
When the terminal information management device receives consent information regarding providing the user information, the user information is transmitted, and the user information is received by the user information receiving means. A computer program characterized by the above is provided.
The present invention according to claim 14 further comprises electronic delivery means for sending electronic data in writing necessary for a contract with the customer to the mail address registered by the mail address registration means. Item 12. A computer program according to item 12 or 13 is provided.
In the present invention according to claim 15, there is provided a confirmation notification receiving means for receiving a confirmation notification for receipt confirmation of the electronic data of the document received by the mail transmission / reception terminal,
15. The computer program according to claim 14, further comprising usage restriction canceling means for canceling usage restrictions on a card held by a customer when the confirmation notification is received.
In the present invention according to claim 16, when a customer does not desire electronic delivery of the document, or when the comparison target items do not match, a document necessary for the contract is delivered from the contract terminal device. A computer program according to any one of claims 12 to 15, further comprising a document delivery switching means for switching to (1).
In the present invention described in claim 17, in the examination unit, when the user information and the customer information received by the customer information receiving unit include duplicate information regarding one examination item, 14. The computer program according to claim 13, wherein the computer program is subjected to examination as to whether or not a contract can be concluded based on one of the information or considering both information.

  In the present invention, when it is determined that the contract can be concluded as a result of the screening by the screening means, when the contract management apparatus acquires the unique ID of the customer's mail transmission / reception terminal, the telecommunications carrier manages the acquired unique ID. Queries the terminal information management device. Then, terminal information including the telephone number and mail address of the mail transmission / reception terminal specified from the unique ID is acquired from the terminal information management apparatus, and the terminal information is transmitted from the contract terminal apparatus to at least the mail transmission / reception terminal. Compare with terminal information including phone number. If the two match, the mail address of the mail transmission / reception terminal registered in the terminal information management apparatus is registered as the customer's mail address. The unique ID is a solid identification number that identifies the telephone number of each mail transmission / reception terminal. There is one telephone number identified from this unique ID, and the mail address associated with the telephone number is also unique. Determined. Therefore, when the telephone number transmitted from the terminal device for contract matches the telephone number obtained from the terminal information management device based on the unique ID, the mail address transmitted from the terminal information management device is correct. It becomes the mail address of the mail transmission / reception terminal held by the contract partner (customer), and the electronic data can be reliably transmitted to the contract partner.

  User information receiving means for receiving, from a terminal information management device managed by a telecommunications carrier, user information of a mail transmission / reception terminal recorded in the terminal information management device together with terminal information including a telephone number and a mail address When the configuration is provided, information necessary for the contract examination can be obtained from the user information, which contributes to reduction of customer input work in the contract terminal device. The user information receiving means receives the terminal information of the terminal for mail transmission / reception together with the user information from the terminal information management device, and compares this user information with the customer information transmitted from the contract terminal device, It is possible to determine whether or not the customer specific items included in the two match. If they match, the e-mail address included in the terminal information received together with the user information becomes the e-mail address of the e-mail transmission / reception terminal held by the correct contract partner (customer), and the electronic data is securely transmitted to the contract partner. Will be able to.

  Moreover, in any case, the customer does not need to input each character of the e-mail address in principle, and therefore no e-mail address input error can occur. As a result, the customer's operations are not significantly complicated compared to the operations required for conventional document delivery. Can contribute.

  Hereinafter, embodiments of the present invention will be described in more detail with reference to the drawings. FIG. 1 is a diagram showing a schematic configuration of a contract management apparatus 10 according to the first embodiment of the present invention. The contract management apparatus 10 includes a computer including a control unit 10a such as a CPU, is installed in a management center of a financial institution, and is connected to an automatic contract machine 30 as a contract terminal apparatus via a communication unit. The automatic contract machine 30 makes a loan contract without the customer going to the store window of a financial institution. An information input means (not shown) such as a touch panel and a keyboard for inputting customer attributes and the like, an identity confirmation document A scanner (not shown) or the like is provided. The contract terminal device is not limited to the automatic contract machine 30, and an information terminal such as a personal computer owned by a customer is also used as a contract terminal device by connecting to the contract management device 10 via the Internet or a dedicated line. be able to.

  In the storage unit of the computer constituting the contract management apparatus 10, customer information receiving means 11, screening means 12, unique ID acquisition means 13, terminal information inquiry means 14, terminal information comparison means 15, mail address registration means 16, electronic delivery Computer programs such as means 17, confirmation notification receiving means 18, usage restriction releasing means 19, and document delivery switching means 20 are installed. Further, a customer database (customer DB) 21 in which customer information such as customer attributes is recorded is provided. The computer program can be provided by being stored in a recording medium such as a flexible disk, a hard disk, a CD-ROM, an MO (magneto-optical disk), a DVD-ROM, or can be transmitted through a communication line. .

  The customer information receiving means 11 receives various information related to customers necessary for loan examination. Various information about the customer includes name, gender, age, occupation, annual income, employer, borrowing from other companies, desired borrowing amount, etc. These information is entered by the customer in the automatic contract machine 30 and the communication means And is received by the customer information receiving means 11. In particular, in the present embodiment, it is essential that at least the telephone number is transmitted from the automatic contracting machine 30 as terminal information of the customer mail transmission / reception terminal 40 having a telephone function. The customer information receiving means 11 receives the information. The mail transmission / reception terminal 40 is not particularly limited as long as it has a telephone function and can transmit and receive an electronic mail. Typically, portable information such as a mobile phone is used. A terminal can be used. In addition, when an application for a contract is started in the automatic contracting machine 30, first, a screen for requesting consent regarding acquisition and use of personal information is displayed, and then a screen for explaining the contents of a product to be contracted (such as loan conditions). Although displayed, the customer information receiving means 11 also receives an answer such as consent regarding acquisition of personal information. In this embodiment, not only the acquisition of personal information from a credit information institution used for a normal loan contract, but also the telephone number and mail address of the customer's mail transmission / reception terminal 40 from a communication carrier (such as a mobile carrier). The terminal information including is also acquired. Therefore, the reply regarding the consent regarding the acquisition of the personal information received by the customer information receiving means 11 includes the consent regarding the acquisition of the terminal information from the communication carrier. In addition, identification documents such as a driver's license and a health insurance card are read by a scanner, and their image data is also received by the customer information receiving means 11.

  In addition to the above-mentioned various information including the customer attributes received by the customer information receiving means 11, the examination means 12 includes the credit information of the customer obtained from a credit information agency (not shown) (borrowing information and repayment delinquency at other companies). Review in consideration of information, etc.) Loan conditions using customer attributes, credit information, etc. are different for each financial institution performing the loan. For example, in the case of annual income: 800 to 10 million yen, age: 40's, number of delinquent repayments: 0 times, etc., the lending limit is 300,000 yen, loan interest rate: 14%, or annual income: 300 In the case of ˜5 million yen, age: 20's, repayment number of times: 3 times, etc., conditions are set such as loan limit available for loan: 100,000 yen, loan interest rate: 18%. The examination unit 12 applies customer attributes, credit information, and the like to these items, and examines whether the customer's desired borrowing amount can be financed according to the product content (financing conditions, etc.) to be contracted.

  The unique ID acquisition means 13 is a means for acquiring the unique ID of the mail transmitting / receiving terminal 40 such as a mobile phone. The unique ID is a solid identification number that identifies the telephone number of the mail transmission / reception terminal 40, and is stored in an IC card (IC chip) called a SIM card, UIM card or the like attached to the mail transmission / reception terminal 40. There is only one phone number specified from the unique ID. Also, when using the mail function, an email address is set for each phone number, so if the unique ID is specified, the email address is also unique. Determined.

  For example, when the e-mail transmission / reception terminal 40 accesses a predetermined Web site, the specific ID is acquired by downloading a predetermined application program to the e-mail transmission / reception terminal 40 via the Web site. The unique ID of the mail transmission / reception terminal 40 is transmitted to the website and transmitted from the website to the unique ID acquisition unit 13. Further, when accessing the website, information on the accessed mail transmission / reception terminal 40 is automatically transmitted. At this time, the unique ID of the mail transmission / reception terminal 40 is added to the information transmitted to the website. Can be set in the Web site so as to be included. Therefore, when such a setting is made, when the mail transmitting / receiving terminal 40 accesses the website, the unique ID can be acquired on the website without downloading a special application program. Note that the Web site accessed by the mail transmitting / receiving terminal 40 may be operated by the contract management apparatus 10 or may be operated by a computer separate from the contract management apparatus 10.

  In order to access the Web site by the mail transmission / reception terminal 40, first, after the examination by the examination means 12, an inquiry as to whether or not electronic delivery is desired is transmitted to the automatic contract machine 30 to indicate that electronic delivery is desired. When the information is received from the automatic contract machine 30, an instruction to access a predetermined Web site is transmitted to the automatic contract machine 30, and the instruction is displayed on the display means of the automatic contract machine 30 or transmitted to the customer by voice. The customer accesses the Web site according to this instruction. As a method of accessing a website, for example, together with the above instructions, a bar code or a two-dimensional code having the URL of the website as information is displayed on the display means of the automatic contract machine 30, and those codes are mailed. It can be read and accessed by the transmission / reception terminal 40. In addition, the above code may be printed on a pamphlet distributed to a booth where the automatic contract machine 30 is installed or any other place, and the customer may read and access the printed code. Good. Further, when the mail transmission / reception terminal 40 is brought close to the reader / writer attached to the automatic contract machine 30, the reader / writer and the mail transmission / reception terminal 40 communicate with each other, and the reader / writer accesses the Web site. The program may be supplied to the mail transmitting / receiving terminal 40 so that the Web site can be automatically accessed. It is also possible for the customer to manually enter the URL of the website to access the website, but it is easier to access the website by using a code or a reader / writer. be able to.

  Also, the unique ID can be acquired without going through the above-mentioned Web site. For example, when the mail transmission / reception terminal 40 is brought close to the reader / writer attached to the automatic contract machine 30, communication is performed between the reader / writer and the mail transmission / reception terminal 40, and a predetermined application program is transmitted and received from the reader / writer. By being supplied to the terminal 40, the unique ID of the mail transmission / reception terminal 40 is transferred to the reader / writer, and the automatic contract machine 30 transmits the unique ID received by the reader / writer to the contract management apparatus 10. The unique ID acquisition unit 13 may acquire the unique ID.

  The terminal information inquiry unit 14 is a unit that inquires the terminal information management device 50 about the unique ID acquired by the unique ID acquisition unit 13. The terminal information management device 50 is composed of a computer that records various types of information related to a terminal contractor of the telecommunications carrier in a telecommunications carrier such as a mobile carrier. It is connected to the management device 50 via communication means. Between the financial institution that manages and operates the contract management apparatus 10 and the communication carrier that manages and operates the terminal information management apparatus 50, the predetermined information recorded in the terminal information management apparatus 50 is An alliance relationship of providing to the contract management apparatus 10 is established by a contract between the two.

  Information managed by the terminal information management device 50 includes terminal information such as a unique ID, a telephone number, and a mail address of the terminal 40 for mail transmission / reception, and a terminal contractor (user) who uses the terminal 40 for mail transmission / reception. ) Terminal contractor information (user information) such as name and address. When the terminal information inquiry unit 14 makes an inquiry to the terminal information management device 50 using the unique ID, the terminal information management device 50 uses at least the mail transmission / reception terminal 40 having the unique ID based on the received unique ID. The telephone number and mail address are read out and the information is transmitted to the terminal information inquiry means 14.

  The terminal information comparison means 15 receives the mail information from the automatic contract machine 30 received by the customer information receiving means 11 and the terminal information of the mail transmitting / receiving terminal 40 registered in the terminal information management device 50 acquired by the terminal information inquiry means 14. The terminal information transmitted for the transmission / reception terminal 40 is compared to determine whether or not they match. As described above, the terminal information includes a unique ID, a telephone number, and an e-mail address. Among these, as a comparison target item to be compared in the terminal information comparison unit 15, a telephone number is used in the present embodiment. Yes. Although it is possible to set the mail address as an item to be compared by sending the mail address together with the telephone number from the automatic contract machine 30 to the customer information receiving means 11, it is troublesome to input the mail address. It is preferable to use a telephone number.

  When it is determined that the comparison target items match as a result of the comparison by the terminal information comparison unit 15, the email address registration unit 16 obtains the email address of the terminal 40 for email transmission / reception acquired by the terminal information inquiry unit 14. Set as the destination of the electronic document data required for the contract with the customer.

  The electronic delivery means 17 sends electronic data of documents (contract details confirmation, usage statement, receipt, etc.) necessary for the contract with the customer to the mail address registered by the mail address registration means 16. (See FIG. 4). As described above, the mail address of the mail transmission / reception terminal 40 set as the transmission destination by the mail address registration means 16 is not manually input by the customer but is recorded in the terminal information management device 50 of the communication carrier. It is what. Therefore, the mail address registered by the mail address registration means 16 is the correct mail address of the customer, and thereby, a document necessary for the contract can be surely delivered to the customer.

  If the customer confirms receipt of the electronic document data required for the contract received by the mail transmission / reception terminal 40, the confirmation notification receiving means 18 receives a confirmation notification. For example, a member service site connection URL is attached to the electronic data transmitted by the electronic delivery means 17, the user accesses the URL, logs in by entering an ID number or the like, which will be described later, and the Web page When the “confirm” button displayed on is pressed, this is received as confirmation notification by the confirmation notification receiving means 18 (see FIGS. 5 and 6). Alternatively, for example, the electronic data transmitted by the electronic delivery means 17 is set so that the “confirm” button is displayed on the display means of the mail transmission / reception terminal 40, and when this “confirm” button is pressed, May be returned to the confirmation notification receiving means 18 as a confirmation notification.

  The usage restriction canceling means 19 is set in the customer database 21 so that cash is not paid even if the customer uses the card until it is confirmed that the customer has received the contract confirmation. It is a means for releasing usage restrictions. The automatic contract machine 30 is configured to issue a withdrawal card necessary for withdrawal from the cash dispenser when a contract is concluded. However, in this embodiment, since a document necessary for the contract is electronically delivered, the delivery destination is the mail transmission / reception terminal 40 which is a device physically different from the automatic contract machine 30 having the card issuing function. In addition, since the use time of the automatic contract machine 30 is shortened, as will be described later, after completion of the examination by the examination means 12, it is parallel to the process of acquiring and registering the mail address of the customer's mail transmission / reception terminal 40. Then, member registration, account opening, and card issuance. If this card can be used at the same time as issuance, the card will be issued before the confirmation notice by the confirmation notice receiving means 18 is received, that is, before the customer confirms whether or not the contract confirmation is issued. It becomes possible for money. Therefore, when the documents required for the contract are issued electronically, it is necessary to impose usage restrictions so that the card cannot be used until the confirmation notification is received, and the confirmation notification has been received. If so, the use restriction releasing means 19 is configured to access the customer database 21 and release the use restriction. Note that the automatic teller machine is set to inquire whether or not the use restriction of the customer database 21 is lifted when the card is inserted and the password is entered.

  The document delivery switching means 20 is a means for switching so that a document necessary for a contract is not delivered as electronic data but is delivered in a document format as in the prior art. As a case where the document is delivered in a written format, first, there is a case where the customer does not desire the electronic delivery of the document. Further, in the terminal information comparison unit 15, the terminal information (“phone number” in the present embodiment) of the mail transmission / reception terminal 40 registered in the terminal information management device 50 acquired by the terminal information inquiry unit 14 and the customer information reception unit 11 is a case where it is determined that the two do not match as a result of comparison with the terminal information (“phone number” in the present embodiment) transmitted from the automatic contract machine 30 received by the terminal 11 for the mail transmission / reception terminal 40. Even when the customer does not re-enter the telephone number of the mail transmitting / receiving terminal 40 or when the telephone number comparing means 15 determines that the telephone number does not match again even after re-entry, the automatic contracting machine 30 It is preferable to set so as to switch to a document delivery so that the occupation time does not become longer than necessary.

  Next, an electronic contract method using the contract management apparatus 10 of the present embodiment will be described with reference to FIGS. When a customer starts an application for a loan using the automatic contract machine 30 (S201), an agreement regarding acquisition of personal information is requested (S202). The consent in S202 is not only the acquisition of personal information from the credit information agency, but also the terminal information including the telephone number and mail address of the customer's mail transmission / reception terminal 40 from the communication carrier (mobile carrier or the like). Consent about this is also included. If the customer does not agree, the application is canceled as it is (S203). If the customer agrees, the product is subsequently explained (S204). Next, after the identity verification document such as a driver's license is read by the scanner of the automatic contract machine 30 (S205), the customer selects various listening items (name, gender, age) displayed on the display means of the automatic contract machine 30. , Occupation, annual income, employer, presence / absence of borrowing from other companies, desired borrowing amount, etc.) are entered (S206). In the present embodiment, this listening item also includes a telephone number as terminal information of the customer's mail transmission / reception terminal 40 used for receiving electronic delivery. The contract management apparatus 10 uses the customer information receiving means 11 to send the consent information regarding the acquisition of the personal information and terminal information, the information of the scanned identity verification document, the name input by the customer, the date of birth, etc. Receive.

  Next, screening by the screening unit 12 is performed (S207, S208). Specifically, based on each of the information received by the customer information receiving means 11 and the credit information of the customer inquired of the credit information agency, it is examined whether or not a loan contract is possible.

  As a result of the examination by the examination means 12, if it is determined in S209 that a loan contract is possible, the automatic contract machine 30 inquires of the customer by display means, voice or the like whether or not electronic delivery is desired (S210). When the customer inputs that he / she desires electronic delivery through the information input means of the automatic contract machine 30, the information is transmitted to the contract management apparatus 10 and proceeds to the next step. If it is determined in S209 that the loan contract is not possible as a result of the screening by the screening unit 12, that fact is displayed on the display unit of the automatic contracting machine 30, and the series of procedures ends.

  In S210, when the information indicating that electronic delivery is desired is received by the contract management apparatus 10, the automatic contract machine 30 is accessed to a predetermined Web site that is set so as to be able to receive the unique ID of the mail transmitting / receiving terminal 40. An instruction is transmitted (S211). The customer accesses this Web site according to this instruction. When this website is accessed, as described above, a dedicated application program is downloaded to the mail transmission / reception terminal 40, or the unique ID of the mail transmission / reception terminal 40 is automatically obtained simply by accessing the website. Is transmitted to the website, and is acquired by the unique ID acquisition means 13 via the website (S212).

  Next, the terminal information inquiry means 14 inquires of the terminal information management apparatus 50 about the acquired unique ID (S213). Upon receiving this unique ID, the terminal information management device 50 identifies the mail transmitting / receiving terminal 40 based on the unique ID, and returns its telephone number and mail address to the terminal information inquiry means 14 (S214). Next, the terminal information comparing means 15 receives the telephone number of the mail transmitting / receiving terminal 40 corresponding to the unique ID transmitted from the terminal information management apparatus 50 and the customer received by the customer information receiving means 11 from the automatic contract machine 30. The transmitted telephone number is compared (S215). As a result of the comparison, if the two match, the mail address transmitted together with the telephone number from the terminal information management device 50 becomes the correct mail address of the customer, so the mail address registration means 16 sets the mail address to the customer Is set as the transmission destination of the written electronic data necessary for the contract (S216).

  When the mail address of the customer is registered by the mail address registration means 16, the electronic delivery means 17 sends a document necessary for the contract to the mail address, for example, a contract content confirmation form as shown in FIG. Is transmitted (S217).

  Here, in S210, when the information indicating that electronic delivery is desired is received by the contract management apparatus 10, the contract management apparatus 10 executes the series of steps (S211 to S216) for acquiring the above e-mail address. Then, based on various information received by the customer information receiving means 11, member registration and account opening are performed (S301) and registered in the customer database 21. When the procedures for member registration and account opening are completed, a card with a card number is issued from the automatic contract machine 30 (S302).

  When the electronic data of the contract confirmation is received, the URL of the member service site attached thereto is displayed on the mail transmitting / receiving terminal 40 (see FIG. 5). Then, the user accesses this URL, logs in by entering an ID number such as a card number or a personal identification number (see FIG. 6), and transmits a confirmation notification of receipt of the contract contents to the confirmation notification receiving means 18 ( S218). In this case, for example, the electronic data transmitted by the electronic delivery means 17 is set so that the “confirm” button is displayed on the display means of the mail transmission / reception terminal 40, and when this “confirm” button is pressed, As described above, this may be returned to the confirmation notification receiving means 18 as a confirmation notification.

  When the confirmation notice is received by the confirmation notice receiving means 18, the use restriction releasing means 19 releases the use restriction of the card recorded in the customer database 21 so that the issued card can be used in the cash dispenser. (S219), and the customer database 21 is updated (S220).

  If the user wishes to issue electronically, he / she accesses a predetermined website using the mail transmission / reception terminal 40, and after receiving the card issuance in S302 after receiving notification that the telephone numbers do not match. The work using the automatic contract machine 30 is not necessary, and if only the customer mail transmission / reception terminal 40 is used, electronic data such as a contract content confirmation document can be received and a confirmation notification can be transmitted. Accordingly, since the customer can leave the installation site of the automatic contract machine 30 after receiving the card issuance, the occupation time of the automatic contract machine 30 can be shortened.

  On the other hand, when the information management apparatus 10 receives information indicating that electronic delivery is not desired in S210, the customer does not need to access a predetermined Web site using the mail transmission / reception terminal 40, and the contract management apparatus 10 The document delivery switching means 20 switches to document delivery, and based on various information received by the customer information receiving means 11, member registration and account opening are performed (S401) and registered in the customer database 21. When the registration is completed, a contract content confirmation document is output from the automatic contract machine 30 in a written format (S402). If the contract details confirmation document is output in a written format, it is issued to the customer. Therefore, the card is continuously issued (S403), and further, the customer recorded in the customer database 21. The card usage restriction is released (S219), and the customer database 21 is updated (S220). Thereby, the withdrawal using the card becomes possible.

  Further, when it is determined that the telephone numbers do not match even though the electronic delivery is desired and the predetermined web site is accessed using the mail transmission / reception terminal 40 (when “NO” in S215). Is sent from the contract management apparatus 10 to the automatic contract machine 30 for re-inputting the telephone number of the mail transmitting / receiving terminal 40 (S501). When the customer information receiving means 11 receives the telephone number re-input by the customer in accordance with this instruction, the terminal information comparison means 15 compares the re-input telephone number with the telephone number transmitted from the terminal information management device 50 ( (S502) If they match, the process proceeds to S216. If they do not match, the process proceeds to S501, and re-input of the telephone number is requested. If the telephone number does not match even after re-inputting the telephone number a predetermined number of times, the document delivery switching means 20 switches to document delivery (S503), and the contract content confirmation document is output in a written format (S504).

  In addition, when the customer does not desire electronic delivery (in the case of “NO” in S210), or when the telephone number of the mail transmission / reception terminal 40 does not match and the telephone number is re-input a predetermined number of times, it does not match Will be issued in writing as described above, but depending on the automatic contracting machine 30, although a card can be issued, a document necessary for the contract cannot be output in writing. In this case, the automatic contract machine 30 receives only the card and receives a new document by visiting another automatic contract machine 30 having a function capable of delivering a document, or by visiting a financial institution or by mail. It will be.

  In addition, when a customer applies as a contracting terminal device through a communication means such as the Internet using a personal computer at home instead of the automatic contracting machine 30, electronic delivery of a contract confirmation etc. Although procedures such as sending a confirmation notice can be performed by the personal computer, the card cannot be received. Therefore, also in this case, after receiving the electronic delivery, the card is separately sent to the automatic contracting machine 30, or received at a store or by mail.

  FIG. 7 is a diagram showing a schematic configuration of the contract management apparatus 100 according to the second embodiment of the present invention. The contract management apparatus 100 of the present embodiment replaces the unique ID acquisition unit 13, the terminal information inquiry unit 14, and the terminal information comparison unit 15 of the first embodiment with a user information reception unit 110 and a user information comparison unit. 120. In FIG. 7, the same functions as those in the first embodiment are denoted by the same reference numerals.

  The user information receiving means 110 is means for receiving from the terminal information management apparatus 50 user information recorded in the terminal information management apparatus 50 of the communication carrier (mobile carrier or the like). When making a communication contract for a mail transmission / reception terminal 40 having a telephone function such as a mobile phone, the user information is a terminal contractor (user of a communication contract) by a communication provider together with terminal information such as a telephone number and an e-mail address. ) Is personal information such as the name and address of the terminal contractor acquired and managed from Further, when a contract relating to the use of the electronic payment function is made, the user information recorded in the terminal information management device 50 includes the annual income of the terminal contractor.

  Here, in the present embodiment, it is assumed that user information is provided together with terminal information from a telecommunications carrier. In providing such information, the terminal information management device 50 is preliminarily provided by a customer. It is necessary to attach an agreement that these pieces of information may be supplied to the contract management apparatus 10. The terminal information management device 50 provides the user information together with the terminal information to the user information receiving means 110 only when the consent information is received from the mail transmitting / receiving terminal 40. When the mail transmission / reception terminal 40 transmits consent information to the terminal information management device 50, the unique ID of the mail transmission / reception terminal 40 is also set to be transmitted. Thereby, when the terminal information management apparatus 50 acquires the unique ID, the terminal 40 for mail transmission / reception that has the unique ID is specified, the terminal information such as the telephone number and the mail address, the user's name, address, If recorded, user information such as annual income can be read and transmitted to the user information receiving means 110.

  The means for obtaining consent information from the mail transmitting / receiving terminal 40 is not limited. For example, when the mail transmission / reception terminal 40 is brought close to the reader / writer attached to the automatic contract machine 30, the reader / writer and the mail transmission / reception terminal 40 communicate with each other, and the terminal information management device 50 is accessed from the reader / writer. When the application program is supplied to the mail transmission / reception terminal 40 and an operation unit (for example, a display button such as “Agree”, “OK”) for requesting consent to display the user information is displayed. The unique ID of the service terminal 40 can be transmitted to the terminal information management device 50. The agreement information is set so that it is once transmitted from the mail transmission / reception terminal 40 to the contract management apparatus 10 via the reader / writer and the automatic contract machine 30, and then transmitted from the contract management apparatus 10 to the terminal information management apparatus 50. It is also possible.

  Also, in the loan application process using the automatic contract machine 30, an inquiry is made as to whether or not to agree to the use of the user information recorded in the terminal information management device 50 of the communication carrier, and "I agree" In the case of the answer, a bar code or a two-dimensional code having an address for communicating with the terminal information management device 50 as information is displayed on the display means of the automatic contract machine 30, and those codes are sent to the mail transmitting / receiving terminal 40. It is also possible to adopt a configuration in which the access information is read and accessed and the consent information is transmitted to the terminal information management device 50. In addition, the above code may be printed on a pamphlet distributed to a booth where the automatic contract machine 30 is installed or any other place, and the customer may read and access the printed code. Good. Furthermore, it is also possible for the customer to manually enter an address for accessing the terminal information management device 50, but the terminal information management can be performed by using a code or using a reader / writer. Access to the device 50 is facilitated.

  The user information comparing means 120 is information (customer specifying items) for specifying a customer common to both of the customer information received by the customer information receiving means 11 and the user information of the user information receiving means 110. Are compared to determine whether the customer-specific matters match. The customer identification items are, for example, the telephone number, name, address, etc. of the mail transmission / reception terminal 40. It can be set in advance in the user information comparison means 120 which is to be the customer-specific item.

  As in the first embodiment, the customer information receiving means 11 uses the customer's name, sex, age, occupation, annual income, place of employment, presence / absence of borrowing from other companies, and desired borrowing amount. And the image data of the scanned identity verification document can be received. In the present embodiment, the user information receiving unit 110 records the scanned image data in the terminal information management device 50 as described above. Terminal information and user information obtained. Based on the acquired user information, the screening means 12 considers the customer's credit information obtained from a credit information agency (not shown) (borrowing information at other companies, repayment information, etc.). I do. The user information includes items effective for loan review such as annual income as described above. In some cases, it is possible to review without requiring the customer to input information at the automatic contract machine 30. It is. In addition, when the items necessary for the loan examination are insufficient only with the user information, only the items that are insufficient for the customer need be listened to. Therefore, according to the present embodiment, there is an advantage that the customer input work using the information input means of the automatic contract machine 30 can be saved.

  If consent is not obtained for the use of user information, as in the first embodiment, the customer is inquired of all items necessary for loan examination, and the customer information receiving means 11 receives the information. Will be reviewed.

  In addition, the mail address registration means 16 is the mail included in the terminal information received together with the user information by the user information receiving means 110 when the user information comparing means 120 determines that the above-mentioned customer identification items match. The address is set as the destination of the written electronic data necessary for the contract with the customer. This e-mail address is not manually input by the customer as in the first embodiment, but is recorded in the terminal information management device 50 of the telecommunications carrier. Can be reliably delivered to the customer.

  Next, an electronic contract method using the contract management apparatus 100 according to the present embodiment will be described with reference to FIGS. First, the process is the same as that in the first embodiment until the customer starts applying for a loan using the automatic contract machine 30 and then reads the personal identification document by the scanner (S801 to S805). The contract management apparatus 100 receives the consent information regarding the acquisition of personal information and the information of the scanned identity verification document at the customer information receiving unit 11.

  Next, an inquiry as to whether or not to agree to the use of the user information recorded in the terminal information management device 50 is displayed on the display means of the automatic contract machine 30 (S806). At this time, for example, a message such as “If you agree, please bring the terminal for mail transmission / reception (for example, a mobile phone) close to the reader / writer provided” is displayed. In accordance with this message, the customer brings the mail transmission / reception terminal 40 closer to the reader / writer attached to the automatic contract machine 30. Thereby, an application program for accessing the terminal information management device 50 from the reader / writer is supplied to the mail transmitting / receiving terminal 40 (S807). The customer presses, for example, a display button “I agree” displayed on the mail transmission / reception terminal 40. As a result, the unique ID of the mail transmitting / receiving terminal 40 is transmitted to the terminal information management device 50 (S808). In S806, if the user information is not agreed to be used, similar to the first embodiment, the display means of the automatic contract machine 30 displays various listening items (name, sex, age, occupation, annual income, The business location, presence / absence of borrowing from other companies, desired borrowing amount, etc.) are displayed, and input work is performed according to the display (S809).

  When the terminal information management device 50 receives the consent information and its unique ID from the mail transmission / reception terminal 40, the telephone number and mail address of the mail transmission / reception terminal 40 corresponding to the unique ID recorded in the terminal information management device 50 Terminal information such as the name of the terminal contractor (user), address, and user information such as date of birth are transmitted to the contract management apparatus 100 (810). In the contract management apparatus 100, the user information receiving means 110 receives these pieces of information.

  Next, the user information comparing means 120 is included in the customer identification items included in the customer information read from the identity verification document and received by the customer information receiving means 11 and the user information received by the user information receiving means 110. Are compared with the customer-specific items (S811). If the customer identification items match, the examination unit 12 examines whether or not a loan contract is possible based on the received user information and personal information acquired from the credit information agency (S813, S814). If the customer specific items do not match, the process proceeds to S809, and answers are made for various listening items displayed on the automatic contract machine 30. Since the customer information received by the customer information receiving means 11 is stored as data obtained by reading an identification document with a scanner and performing OCR processing, the comparison in S811 can be performed automatically and easily. In addition, since the customer information is collated with user information held by a telecommunications carrier that is a third party who is not a loan party, the objectivity and reliability of the comparison result are high. In addition, after moving to S809, after obtaining a response from the customer about various listening items again and comparing this response with the identity verification document, the process shifts to the examination in S813. In this embodiment, as described above, At this stage, since the data of the personal identification document has already been acquired by the customer information receiving means 11, it is possible to automatically and easily determine whether or not the customer specific items included in both match.

  Further, when the information included in the user information is less than the examination items used for the loan examination, the examination items missing from the customer are heard (S812). Specifically, an additional listening item (for example, the presence or absence of borrowing from another company) is displayed on the automatic contracting machine 30 and a response to the request is requested, and the examination unit 12 examines the additional listening item. In addition, since the present embodiment is based on the examination using the user information, inquiries about additional listening items may be performed only when necessary, as well as when listening is requested. Compared to the case where user information is not used, the number of items is small, and the customer's work such as answering work can be saved. Even when additional listening is performed, the contents of the user information recorded in the terminal information management device 50 depending on whether the mail transmitting / receiving terminal 40 uses the electronic payment function or not. There is a difference, and the user who has used the electronic payment function has more detailed user information. Therefore, even when additional listening is performed by the automatic contracting machine 30, there are fewer additional listening items and the response time to the additional listening items is shorter when using the electronic payment function. I'll do it.

  As a result of the examination by the examination unit 12, it is determined that the loan contract is possible (“YES” in S815), and the examination by the examination unit 12 uses the user information recorded in the terminal information management device 50. If it has been changed (“YES” in S816), the customer is inquired of the automatic contracting machine 30 by means of display means, voice or the like whether or not electronic delivery is desired (S817). When information indicating that electronic delivery is desired is transmitted from the automatic contracting machine 30, the e-mail address registration means 16 has already been determined by the user information comparison means 120 that the customer specific items match (S811). ), The e-mail address included in the terminal information is set as the transmission destination of the written electronic data necessary for the contract with the customer. Then, a document necessary for the contract, for example, a contract content confirmation as shown in FIG. 4 exemplified in the first embodiment is transmitted to the mail address by the electronic delivery means 17 (S818). Thereafter, as in the first embodiment, the receipt confirmation of the contract content confirmation is performed (S819). In parallel with this, member registration, account opening (S820), and card is issued (S821), The use restriction of the card is released (S822), and the customer database 21 is updated (S823).

  In S817, when electronic delivery is not desired, the document delivery switching means 20 of the contract management apparatus 10 switches to document delivery, and member registration and account opening are performed (S830). A content confirmation form is output in written form (S831). Then, the steps of card issuance (S832), card usage restriction cancellation (S822), and customer database 21 update (S823) are executed, and withdrawal using the card becomes possible.

  On the other hand, when the examination by the examination unit 12 does not use the user information recorded in the terminal information management device 50 (in the case of “NO” in S816), that is, consent to the use of the user information in S806. Or if the customer specific items do not match in S811 and the examination is performed based on the predetermined listening item (S809) input from the automatic contract machine 30, whether or not electronic delivery is desired After confirming (S840), if electronic delivery is desired, the process proceeds to step S211 of the first embodiment shown in FIG. 2, and thereafter, the processes after step S212 of the first embodiment are executed to automatically An instruction to access a predetermined website set so as to be able to receive the unique ID of the mail transmission / reception terminal 40 is transmitted to the contract machine 30, and the customer accesses the website according to this instruction. When Seth, in writing required in the contract to the email address specified on the basis of the unique ID is electronically delivered. In S840, when electronic delivery is not desired, the document delivery switching means 20 switches to document delivery, and the process proceeds to S830, where a document necessary for the contract is delivered.

  In the second embodiment, if “YES” in S811, the user information is used for examination, and in subsequent S812, only items that are insufficient in the user information are listened to. Thus, as described above, there is an advantage that the labor of the customer can be saved and quick examination is performed. However, even if “YES” in S811, it overlaps with the information obtained as user information in S812. You may make it listen also to the examination item. For example, even if information on the “annual income” of the customer is obtained from the user information, the customer may be made to input “annual income” again. If the “annual income” information included in the user information is, for example, information at the time of the contract for electronic payment by the mail transmission / reception terminal 40, the information is a predetermined period compared to the current time when the loan contract is made. In the previous information, depending on the information content, the information input by the customer at the present time may be considered to reflect the current state of the customer rather than the user information. Therefore, if necessary, the items overlapping with the user information may be listened to, and the examination unit 12 may examine the items by referring to a plurality of pieces of information obtained for the same examination items. For example, in the above example, if the information related to the “annual income” included in the user information is more than a predetermined period ago, the examination unit 12 may examine based on the “annual income” information input by the customer this time. it can. Although it depends on the examination item, it is usually preferable to use newer information when the examination is performed based on only one of them. Also, instead of using newer information, it is possible to calculate the average of both pieces of information in consideration of both pieces of information, and obtain “annual income” for examination. As described above, if the same item as the information obtained as the user information is listened to in duplicate, the occupied time of the automatic contracting machine 30 becomes longer compared to the case where it is not performed, but more careful examination is required. In some cases, such a setting is also possible.

FIG. 1 is a diagram for explaining a schematic configuration of a contract management apparatus according to the first embodiment of the present invention. FIG. 2 is a flowchart for explaining an electronic contract method using the contract management apparatus according to the first embodiment. FIG. 3 is a flowchart (continuation of FIG. 2) for explaining the electronic contract method using the contract management apparatus according to the first embodiment. FIG. 4 is a diagram showing an example of a contract content confirmation document issued electronically. FIG. 5 is a diagram illustrating an example of a display displayed on the mail transmission / reception terminal when requesting confirmation of receipt of the electronic data of the contract content confirmation form. FIG. 6 is a diagram showing an example of a display displayed on the mail transmission / reception terminal in the process of confirming receipt of the electronic data of the contract content confirmation. FIG. 7 is a diagram for explaining a schematic configuration of a contract management apparatus according to the second embodiment of the present invention. FIG. 8 is a flowchart for explaining an electronic contract method using the contract management apparatus according to the second embodiment. FIG. 9 is a flowchart (continuation of FIG. 8) for explaining the electronic contract method using the contract management apparatus according to the second embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10,100 Contract management apparatus 11 Customer information reception means 12 Examination means 13 Unique ID acquisition means 14 Terminal information inquiry means 15 Terminal information comparison means 16 E-mail address registration means 17 Electronic delivery means 18 Confirmation notification reception means 19 Usage restriction release means 20 Document Delivery switching means 110 User information receiving means 120 User information comparing means 30 Automatic contract machine 40 Mail transmission / reception terminal 50 Terminal information management device

Claims (17)

A contract management device that can electronically issue a document necessary for a contract concluded with a customer,
Customer information receiving means for receiving terminal information including at least the telephone number of the customer's mail transmission / reception terminal having a telephone function, which is transmitted from the contract terminal device, together with customer information necessary for contract review;
Based on the received customer information, an examination means for examining whether or not a contract can be concluded;
Unique ID acquisition means for acquiring a unique ID for identifying at least the telephone number of the terminal for sending and receiving mail;
A terminal that inquires the terminal information management device that manages terminal information of the mail transmission / reception terminal for the unique ID, and obtains at least a telephone number and a mail address of the mail transmission / reception terminal specified from the unique ID as terminal information. Information inquiry means;
The terminal information of the terminal for mail transmission / reception registered in the terminal information management device acquired by the terminal information inquiry means, and the terminal information of the terminal for mail transmission / reception included in the customer information received by the customer information reception means Terminal information comparison means for comparison;
In the terminal information comparison unit, when it is determined that the comparison target items match, the mail address of the mail transmission / reception terminal registered in the terminal information management device acquired by the terminal information inquiry unit is A contract management apparatus comprising: a mail address registration unit as a transmission destination of electronic data in writing necessary for a contract. A contract management device that can electronically issue a document necessary for a contract concluded with a customer,
Customer information receiving means for receiving customer information transmitted from the contract terminal device;
From the terminal information management device that manages the terminal information including the telephone number and the mail address of the customer mail transmission / reception terminal having a telephone function, the user information of the mail transmission / reception terminal recorded in the terminal information management device is obtained. User information receiving means for receiving together with the terminal information;
Screening means for examining whether or not a contract can be concluded based on at least the user information received by the user information receiving means;
User information comparing means for comparing customer identification items included in the customer information received by the customer information receiving means and the user information received by the user information receiving means;
In the user information comparison means, when the customer specific items match, the electronic address of the written data necessary for the contract with the customer is sent to the e-mail address included in the terminal information received by the user information receiving means. And an e-mail address registration means
When the terminal information management device receives consent information regarding providing the user information, the user information is transmitted, and the user information is received by the user information receiving means. A contract management apparatus characterized by that.   3. The contract management apparatus according to claim 1, further comprising electronic delivery means for sending electronic data in writing necessary for a contract with the customer to the mail address registered by the mail address registration means. . A confirmation notification receiving means for receiving a confirmation notification for confirmation of receipt of the electronic data of the document received by the mail transmission / reception terminal;
4. The contract management apparatus according to claim 3, further comprising usage restriction canceling means for canceling usage restrictions on a card held by a customer when the confirmation notification is received.   Provided with a document delivery switching means for switching a document necessary for the contract to a document delivery from the contract terminal device when a customer does not wish to electronically deliver the document or when the items to be compared do not match. The contract management apparatus according to any one of claims 1 to 4.   In the examination means, when the user information and the customer information received by the customer information receiving means contain duplicate information regarding one examination item, either or both of the information is based on the information. The contract management apparatus according to claim 2, wherein the contract management apparatus examines whether or not the contract can be concluded in consideration of the information. Electronic contract method for sending and receiving information between a contract terminal device operated by a customer and a contract management device connected to the contract terminal device via communication means, and electronically delivering a document necessary for the contract Because
Transmitting from the contract terminal device terminal information including at least the telephone number of the customer mail transmitting / receiving terminal having a telephone function to the contract management device together with customer information necessary for contract review;
The contract management device examines whether or not a contract can be concluded based on the received customer information;
As a result of the examination, after it is determined that the contract can be concluded, a step of transmitting an instruction to the customer to access a predetermined website to the contract terminal device;
In accordance with the instructions, a customer accesses the website through the mail transmission / reception terminal;
Acquiring a unique ID for identifying at least a telephone number of the mail transmission / reception terminal when a customer accesses the website by the mail transmission / reception terminal;
The unique ID is inquired to a terminal information management apparatus that manages terminal information of the mail transmission / reception terminal, and the telephone number and mail address of the mail transmission / reception terminal registered in the terminal information management apparatus are obtained from the unique ID. A step to obtain,
Comparing the terminal information of the mail transmission / reception terminal registered in the terminal information management apparatus with the terminal information of the mail transmission / reception terminal transmitted from the contract terminal apparatus;
When it is determined that the comparison target items of the terminal information match, the mail address of the mail transmission / reception terminal acquired from the terminal information management device is used as the transmission destination of the written electronic data necessary for the contract with the customer An electronic contract method comprising the steps of: Electronic contract method for sending and receiving information between a contract terminal device operated by a customer and a contract management device connected to the contract terminal device via communication means, and electronically delivering a document necessary for the contract Because
Receiving customer information transmitted from the contract terminal device;
The present invention relates to providing customer information from the terminal information management device to the contract management device to a terminal information management device that manages terminal information including a telephone number and a mail address of a mail transmission / reception terminal having a telephone function. Sending consent information;
After the terminal information management device receives the consent information, transmitting the user information together with the terminal information to the contract management device;
The contract management device, based on at least the user information, to determine whether a contract can be concluded; and
Comparing customer specific items included in the customer information and the user information received in the contract management device;
When the customer-specific items match, the email address included in the terminal information received together with the user information is used as a transmission destination of written electronic data necessary for a contract with the customer. An electronic contract method characterized by   In the step of transmitting the consent information, when the terminal information management apparatus is accessed from the mail transmission / reception terminal, a unique ID of the mail transmission / reception terminal is transmitted to the terminal information management apparatus, and the display means of the mail transmission / reception terminal 9. The electronic contract method according to claim 8, wherein a message prompting an operation as to whether or not to consent to the provision of user information is displayed, and the transmission operation of the consent information is performed according to the message. From the contract management device, to the e-mail address, sending electronic data of a document necessary for a contract with the customer to perform electronic delivery of the document;
After the customer confirms receipt of the electronic document data received by the mail sending / receiving terminal, and sending the confirmation notice;
The electronic contract method according to any one of claims 7 to 9, further comprising: a step of canceling use restriction of a card held by a customer after receiving the confirmation notice in the contract management apparatus.   The electronic contract method according to any one of claims 7 to 10, wherein the contract terminal device is implemented using a portable information terminal of a customer. In order to send and receive information between the contract terminal device operated by the customer and the contract management device connected to the contract terminal device via communication means, and electronically deliver the document necessary for the contract, A computer program installed in a contract management device,
Customer information receiving means for receiving terminal information including at least the telephone number of the customer's mail transmission / reception terminal having a telephone function, which is transmitted from the contract terminal device, together with customer information necessary for contract review;
Based on the received customer information, an examination means for examining whether or not a contract can be concluded;
Unique ID acquisition means for acquiring a unique ID for identifying at least the telephone number of the terminal for sending and receiving mail;
A terminal that inquires the terminal information management device that manages terminal information of the mail transmission / reception terminal for the unique ID, and obtains at least a telephone number and a mail address of the mail transmission / reception terminal specified from the unique ID as terminal information. Information inquiry means;
The terminal information of the terminal for mail transmission / reception registered in the terminal information management device acquired by the terminal information inquiry means, and the terminal information of the terminal for mail transmission / reception included in the customer information received by the customer information reception means Terminal information comparison means for comparison;
In the terminal information comparison unit, when it is determined that the comparison target items match, the mail address of the mail transmission / reception terminal registered in the terminal information management device acquired by the terminal information inquiry unit is A computer program, comprising: a mail address registration means as a transmission destination of written electronic data necessary for a contract. In order to send and receive information between the contract terminal device operated by the customer and the contract management device connected to the contract terminal device via communication means, and electronically deliver the document necessary for the contract, A computer program installed in a contract management device,
Customer information receiving means for receiving customer information transmitted from the contract terminal device;
From the terminal information management device that manages the terminal information including the telephone number and the mail address of the customer mail transmission / reception terminal having a telephone function, the user information of the mail transmission / reception terminal recorded in the terminal information management device is obtained. User information receiving means for receiving together with the terminal information;
Screening means for examining whether or not a contract can be concluded based on at least the user information received by the user information receiving means;
User information comparing means for comparing customer identification items included in the customer information received by the customer information receiving means and the user information received by the user information receiving means;
In the user information comparison means, when the customer specific items match, the electronic address of the written data necessary for the contract with the customer is sent to the e-mail address included in the terminal information received by the user information receiving means. And an e-mail address registration means
When the terminal information management device receives consent information regarding providing the user information, the user information is transmitted, and the user information is received by the user information receiving means. A computer program characterized by the above.   14. The computer program according to claim 12, further comprising electronic delivery means for sending electronic data in writing necessary for a contract with the customer to the mail address registered by the mail address registration means. A confirmation notification receiving means for receiving a confirmation notification for confirmation of receipt of the electronic data of the document received by the mail transmission / reception terminal;
15. The computer program product according to claim 14, further comprising a usage restriction canceling unit that cancels the usage restriction of the card held by the customer when the confirmation notification is received.   Provided with a document delivery switching means for switching a document necessary for the contract to a document delivery from the contract terminal device when a customer does not wish to electronically deliver the document or when the items to be compared do not match. The computer program according to any one of claims 12 to 15.   In the examination means, when the user information and the customer information received by the customer information receiving means contain duplicate information regarding one examination item, either or both of the information is based on the information. 14. The computer program product according to claim 13, wherein the computer program is examined to determine whether or not the contract can be concluded in consideration of the information.

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