JP2013073495A - Liaison support terminal, liaison support method, and liaison support program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a liaison support system for supporting persons in charge who perform liaison activities at customers' places, a liaison support method, and a liaison support program.SOLUTION: A terminal control unit of a portable terminal 10 notifies a liaison support server 20 of a start of liaison. A server control unit of the liaison support server 20 calculates a support priority and executes determination processing on whether a support is needed or not. When determining that the support is needed, the server control unit identifies supporter candidates, acquires attendance information of the supporter candidates and identifies a supporter who stays at a desk. Then, the server control unit determines an order of priority and executes output processing of an actual scene to a client terminal 30 of the supporter according to the order of priority. The server control unit that has acquired a message from the client terminal 30 of the supporter transmits the message to the portable terminal 10.

Description

  The present invention relates to a external support terminal, a support system for external support, and a support program for external support for supporting a person in charge of external activities at a customer site.

  When conducting public relations activities with customers, documents necessary for transactions may be provided or collected. Here, when handling a plurality of types of documents, it is necessary to reliably manage the accurate documents.

  Therefore, a sales support system for efficiently managing the properties entrusted by customers has been studied (for example, see Patent Document 1). In the technique described in this document, the business support server that receives the voice data from the mobile terminal 10 executes the speaker verification authentication process. If the authentication is successful, the sales support server acquires the visit information from the mobile terminal. Then, a dictionary is selected according to the visit information. The sales support server that has received the voice data from the portable terminal executes voice recognition processing using this dictionary.

  And the custody property information is acquired from the portable terminal and recorded. On the other hand, the sales support server that has received the store return notification performs user authentication and extracts a deposit property. Then, print data for the customer-specific deposit list and circulation slip is generated, and the customer-specific deposit list and circulation slip are printed in the printer.

JP 2009-32096 A (first page, FIG. 1)

  By using the technique described in Patent Document 1, it is possible to efficiently create a deposit at the place of visit. However, if the required documents differ depending on the type of transaction, it is necessary to confirm the required document type according to the customer at the place of visit.

  Here, when a necessary document is not collected, it becomes difficult to make a quick transaction. Furthermore, it is necessary to confirm the contents described in the document. In particular, when dealing with multiple types of documents, it may be necessary to check the consistency of descriptions between documents. If such documents are missing or inconsistent, it will be necessary to prepare the documents again, and it may be difficult to make a quick transaction.

  The present invention has been made to solve the above-mentioned problems, and provides a foreign support terminal, a foreign support method, and a public support program for supporting a person in charge of external activities at a customer site. .

  In order to solve the above-mentioned problem, the invention described in claim 1 is document management information in which information relating to a document type of a collected document to be collected from a customer is recorded in association with a customer identifier. A foreign exchange support terminal used by a person in charge of visitation, comprising: a storage means; and a control means connected to a foreign exchange support server, wherein the control means collects collection document information necessary for a transaction with a customer. Using the means for acquiring from the public relations support server, recording in the document management information storage means in association with the customer identifier, means for acquiring the customer identifier of the visit destination from the input means, and using the document management information storage means A means for identifying the document type of the collected document associated with the customer identifier, and a document type of the collected document collected from the customer at the visited site being input to the input means. , In association with the document type, a means for recording the erased information of the collected documents in the document management information storage means, and outputting the erased status of the collected documents to the output means. In some cases, a gist is provided with means for calling attention.

  According to a second aspect of the present invention, in the external support terminal according to the first aspect, the document management information storage means stores necessary confirmation information in association with the document type, and the control means The present invention is further characterized by further comprising means for outputting the required confirmation information of the document type to the output means when the document type is specified.

  According to a third aspect of the present invention, in the external support terminal according to the first or second aspect, item information to be matched among a plurality of collected documents is recorded, and the control means determines a document type of the collected documents. In the case of acquisition, if the document type for which the consumption information of the collected document has already been recorded is recorded, the item information of the already collected document type and the newly collected document type is stored in the output means. The gist of the invention is that it further comprises means for outputting.

  According to a fourth aspect of the present invention, in the external assistance terminal according to any one of the first to third aspects, the control means specifies a document type based on an image obtained by photographing the collected document, and the document type Based on the above, the summary is to erase the collected documents.

  The invention according to claim 5 is the external support terminal according to any one of claims 1 to 4, wherein the control means provides documents to be provided to the customer in a transaction with the customer. Means for acquiring information on the type from the external support server and recording it in the document management information storage means in association with a customer identifier; means for acquiring a customer identifier of a visit destination from the input means; and the document management information storage Means for identifying the provision document associated with the customer identifier, and when the document type of the provision document provided to the customer at the visited site is input to the input means, it is associated with the document type. , A means for recording the information to erase the provided document in the document management information storage means, and outputting a status of erasing the provided document to the output means. Further summarized as further comprising a means for calling attention.

  The invention described in claim 6 is connected to the input means and output means, the document management information storage means for recording information relating to the document type of the collected document to be collected from the customer in association with the customer identifier, and the external support server. A control means for supporting a public relations activity using a foreign support terminal used by a person in charge of visit, wherein the control means obtains the collected document information necessary for a transaction with a customer. Using the document management information storage means, acquiring from the public relations support server, recording in the document management information storage means in association with the customer identifier, obtaining the customer identifier of the visited site from the input means, When the document type of the collected document associated with the customer identifier and the document type of the collected document collected from the visited customer are input to the input means In relation to the document type, the step of erasing by recording the consumption information of the collected document in the document management information storage unit, the step of outputting the erasure status of the collected document to the output unit, If there is a missing document that has not been erased yet, the gist is to execute a warning stage.

  The invention according to claim 7 is connected to the input means and the output means, the document management information storage means for recording information relating to the document type of the collected document to be collected from the customer in association with the customer identifier, and the external support server. A control program for supporting a public relations activity using a foreign support terminal used by a person in charge of visit, wherein the control means collects information on a collection document necessary for a transaction with a customer. Means for acquiring from a public relations support server, recording in the document management information storage means in association with a customer identifier, means for acquiring a customer identifier of a visit destination from the input means, and using the document management information storage means, the customer Means for specifying the document type of the collected document associated with the identifier, and the document type of the collected document collected from the visited customer is input to the input unit In association with the document type, means for recording the collection information of the collected documents in the document management information storage means, means for outputting the collection document's consumption status to the output means, When there is no missing document, it is intended to function as a means of alerting.

(Function)
According to the invention described in claim 1, 6 or 7, the control means obtains the collected document information necessary for the transaction conducted with the customer from the external support server, and stores the document management information in association with the customer identifier. Record on means. In the input means, the customer identifier of the visited site is specified, and the document type of the collected document associated with the customer identifier is specified using the document management information storage means. When the document type of the collected document collected from the customer at the visited site is input to the input means, it is erased by recording the erased information of the collected document in the document management information storage means in association with the document type. Then, the erased state of the collected document is output to the output means, and if there is a missing document that has not been erased yet in the erased state, an alert is issued. As a result, documents necessary for external activities can be collected accurately.

  According to the second aspect of the present invention, when the control unit specifies the document type of the collected document, the confirmation information on the document type is output to the output unit. As a result, it is possible to collect documents in which accurate contents are described.

  According to the third aspect of the present invention, when the control means acquires the document type of the collected document, and the document type in which the application information of the collected document is already recorded, the control unit has already recovered the document type. The item information of the completed document type and the newly collected document type is output to the output means. As a result, it is possible to collect documents that ensure consistency between documents.

  According to the fourth aspect of the present invention, the control unit specifies the document type based on the image obtained by photographing the collected document, and erases the collected document based on the document type. As a result, the collected documents can be efficiently identified and deleted.

  According to the invention described in claim 5, the control means acquires information on the document type of the provided document to be provided to the customer in the transaction with the customer from the external support server, and associates the document with the customer identifier. Record in management information storage means. And the customer identifier of a visited place is acquired from an input means. Using the document management information storage means, specify the provided document associated with the customer identifier, and if the document type of the provided document to be provided to the customer at the destination is input to the input means, provide it in association with the document type Document erase information is recorded in the document management information storage means. Then, the erase state of the provided document is output to the output means, and if there is a missing document that has not yet been erased, a warning is given. Thereby, it is possible to suppress forgetting to bring documents or forgetting delivery of documents to be provided to customers.

  ADVANTAGE OF THE INVENTION According to this invention, the customer support can provide the external support terminal, the external support method, and the external support program for assisting the person in charge of conducting external activities.

The system schematic of embodiment of this invention. Explanatory drawing of the functional block of the portable terminal of embodiment of this invention. It is explanatory drawing of the data recorded on each data storage part of the portable terminal of embodiment of this invention, (a) is a user management information storage part, (b) is a customer management information storage part, (c) is The guidance information storage part, (d) is a merchandise management information storage part, (e) is explanatory drawing of a document management information storage part. Explanatory drawing of the functional block of the external assistance server of embodiment of this invention. It is explanatory drawing of the data recorded on each data memory | storage part of the external assistance server of embodiment of this invention, (a) is a user management information storage part, (b) is a customer management information storage part, (c). Is a terminal management information storage part, (d) is a required document information storage part, (e) is explanatory drawing of a transaction management information storage part. Explanatory drawing of the data recorded on the assistance control information storage part of the external assistance server of embodiment of this invention. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments embodying the present invention will be described with reference to FIGS. In the present embodiment, it is assumed that a person in charge of public relations of a company (for example, a financial institution) conducts a loan transaction at an visited place (customer destination) by an interview with a customer-side counterpart. Further, when a loan transaction is performed with a customer, it is assumed that documents necessary for the transaction are provided or collected. It will be described as a foreign support terminal, a foreign support method and a foreign support program used for such external activities.

  Here, as shown in FIG. 1, the mobile terminal 10, the external support server 20, and the client terminals (30, 40) are used to execute external support processing in external activities. This external support server 20 is connected to the portable terminal 10 via a network such as the Internet. Furthermore, the external support server 20 is connected to the client terminals (30, 40) via a network such as a LAN.

  The mobile terminal 10 functions as a foreign exchange support terminal, is a computer terminal that is assigned to each public relation person and carried by each public relation person. As shown in FIG. 2, the mobile terminal 10 includes a touch panel display 10a, a wireless communication unit 10b, and an actual condition acquisition unit 10c. The touch panel display 10a functions as an input unit for inputting various information and an output unit for outputting various information. The wireless communication unit 10b functions as a communication unit for transmitting various types of information to the external support server 20 and receiving various types of information from the external support server 20 via the wireless communication network. The actual condition acquisition part 10c is comprised from the microphone and the camera, and functions as a means to acquire the audio | voice and image at the time of an interview.

  As shown in FIG. 2, the portable terminal 10 includes a terminal control unit 11, a user management information storage unit 12, a customer management information storage unit 13, a support necessity determination information storage unit 14, a guidance information storage unit 15, and a product management. An information storage unit 16, a document management information storage unit 17, and a product material information storage unit 18 are provided. Here, the product management information storage unit 16 and the document management information storage unit 17 function as a document management information storage unit.

  The terminal control unit 11 is realized by control means (CPU, RAM, ROM, etc.). And this terminal control part 11 performs the process (each process, such as a person-in-charge assistance stage, a loan assistance stage, a profit prediction stage, a repayment prediction stage, a document confirmation stage, etc.) mentioned later. By executing the external support program for this purpose, the terminal control unit 11 of the portable terminal 10 is provided with various means such as support management means 111, loan support means 112, profit prediction means 113, repayment prediction means 114, document confirmation means 115, etc. Function as.

The support management unit 111 executes a process of identifying the level of the person in charge of external relations and determining whether support by the supporter is necessary.
The loan support means 112 executes a process for supporting a public relations activity regarding a loan performed at a customer. The loan support means 112 holds data relating to the revenue standard amount for determining the amount of revenue.

The profit prediction unit 113 executes a profit simulation process for calculating the profit amount of the financial institution based on the input loan conditions.
The repayment prediction means 114 executes a repayment simulation process for calculating the repayment amount of the customer based on the input loan conditions.
The document confirmation unit 115 executes a process for supporting a document confirmation and collection confirmation necessary for a loan transaction.

  The user management information storage unit 12 functions as a person-in-charge management information storage unit. As shown in FIG. 3A, a user management record 120 related to the user of the mobile terminal 10 is recorded in the user management information storage unit 12. The user management record 120 is recorded when the user registration of the mobile terminal 10 is performed. The user management record 120 includes data relating to a user code, a password, and an overall skill level. Further, the user code is associated with data relating to the product type and the specialized skill level.

  In the user code data area, data relating to an identifier (person-in-charge identifier) for identifying a person in charge of public relations who uses the mobile terminal 10 is recorded. As this user code, for example, an employee code can be used. In addition, when the dedicated portable terminal 10 is assigned to each person in charge of public relations, each user can be specified using the terminal identifier of the portable terminal 10.

In the password data area, data relating to a password for authenticating the person in charge of public relations is recorded.
In the overall skill level data area, data relating to an identifier for specifying the overall response capability of the person in charge of external affairs is recorded. In this embodiment, the skill level of a higher value is set, so that there is much experience of the person in charge of external relations.

  In the product type data area, data related to an identifier for specifying the type of product handled by the person in charge of public relations is recorded. When in charge of a plurality of products, product types are recorded for all the products in charge.

  In the specialized skill level data area, data relating to an identifier for identifying the correspondence ability of the person in charge of external affairs is recorded for this product type. In the present embodiment, a higher skill level is set as the response capability is higher.

  The customer management information storage unit 13 functions as a visited site management information storage unit. As shown in FIG. 3B, the customer management information storage unit 13 records a customer management record 130 related to the customer to whom the person in charge of external affairs corresponds. This customer management record 130 is recorded when customer information is downloaded from the external support server 20. The customer management record 130 includes data relating to a customer code, customer level, number of visits, product type, responder level, and transaction status.

In the customer code data area, data relating to an identifier (visiting destination identifier) for specifying a visiting customer is recorded.
In the customer level data area, data relating to an identifier for specifying the capability required for the transaction at the visited site is recorded. In this embodiment, the higher the level of importance, such as the greater the transaction volume (for example, the transaction amount or the number of transactions), the higher the customer level is set.

  Data related to the number of visits to the customer is recorded in the visit count data area. In this embodiment, the number of visits is recorded for each series of external activities (for each case) for a specific product type.

In the product type data area, data relating to an identifier for specifying the type of product being traded with the customer is recorded.
In the responder level data area, data relating to an identifier for specifying the capability required to correspond to a customer-side responder in this customer is recorded. In the present embodiment, the higher the position of the customer counterpart, the higher the counterpart level is set. In the present embodiment, the customer level and the responder level function as the visited level.
In the transaction status data area, data relating to the transaction status such as the product type, transaction volume and precautions that have been traded with the customer are recorded.

  The support necessity determination information storage unit 14 records a support necessity determination table for determining whether or not the person in charge of external assistance needs assistance. This support necessity determination table is recorded when the support necessity determination table is downloaded from the external support server 20 before visiting the customer. In this support necessity determination table, a correspondence table for calculating a support necessity evaluation value is recorded based on the skill level of the person in charge of external affairs, the customer level, and the responder level of the customer side responder. In this embodiment, the function for calculating the difference value between the higher value of the customer level and the responder level and the skill level as the support necessity evaluation value is recorded in the support necessity determination table. .

  As shown in FIG. 3C, the guidance information storage unit 15 records a guidance record 150 for assisting the person in charge of external affairs. This guidance record 150 is recorded in advance before providing the portable terminal 10 to a person in charge of external affairs. The guidance record 150 includes data related to a visit purpose, a skill level, and guidance.

In the visit purpose data area, data relating to an identifier for specifying a visit purpose to the customer is recorded. Corresponding to this purpose, it is possible to specify the product to be targeted for public relations.
In the skill level data area, data relating to an identifier for identifying the response capability of the person in charge of external affairs is recorded.
In the guidance data area, data relating to guidance (support information) such as advice to be provided to a person in charge of external communication at this skill level is recorded.

  As shown in FIG. 3D, the product management information storage unit 16 records a product management record 160 relating to a product to be traded with a customer. This merchandise management record 160 is recorded in advance before providing the mobile terminal 10 to a person in charge of external relations. The merchandise management record 160 includes data relating to merchandise type, merchandise content, document type, and confirmation items.

In the product type data area, data relating to an identifier for specifying the type of product used for the transaction in the public relations activity is recorded.
In the product content data area, data relating to the content of the product is recorded. For example, in the case of a loan product, data relating to a loan amount range that can be financed, a settable repayment condition range (repayment period, number of repayments, repayment method), a collateral condition range, a set interest rate range, and the like are recorded. This interest rate range is determined in advance and is an allowable range in which transactions can be made at the discretion of the person in charge.

In the document type data area, data relating to an identifier for specifying the type of document necessary for providing the product is recorded.
In the confirmation item data area, data relating to the contents (confirmation information) of items to be noted (caution items) in this document type is recorded. For example, essential items (date mistakes, omissions, etc.) and items to be checked for consistency with the contents described in other documents used in this transaction are recorded.

  As shown in FIG. 3E, the document management information storage unit 17 records a document management record 170 relating to a document to be provided to a customer and a document to be collected from the customer. This document management record 170 is recorded when document management information is downloaded from the external support server 20 before visiting a customer. The document management record 170 includes a customer code, a product type, and a transaction code. Further, provided document information and collected document information are associated with the transaction code.

In the customer code data area, data relating to an identifier for specifying a customer to be visited is recorded.
In the product type data area, data relating to an identifier for specifying the type of product to be provided to the customer is recorded. In the present embodiment, it is assumed that a loan product is provided to a customer.

In the transaction code data area, data relating to an identifier for specifying a transaction performed with the customer is recorded.
The provided document information includes data related to the provided document type, the date of bringing, and the provided status.

In the provided document type data area, data relating to an identifier for specifying the type of document to be provided to the customer in this transaction is recorded.
In the bringing date data area, data relating to the date (year / month / day) of bringing the document to the customer is recorded. Here, the date of bringing is recorded as application information indicating that the provided document is to be brought.

  In the provision status data area, data relating to an identifier for specifying the provision status of the document for this customer is recorded. Here, the provided flag is recorded as the consumption information indicating that the provided document has been provided.

The collection document information includes data related to the collection document type, confirmation status, collection status, and collection date.
In the collected document type data area, data relating to an identifier for specifying the type of document to be collected from the customer in this transaction is recorded.

In the confirmation status data area, data relating to an identifier for specifying the confirmation status of the confirmation items in this document is recorded.
In the collection status data area, data relating to an identifier for identifying the collection status from the customer is recorded for this document. Here, a collected flag is recorded as the application information of the collected document.
In the collection date data area, data related to the date (year / month / day) of collection of the document is recorded.

  The merchandise material information storage unit 18 records a merchandise introduction material file used by a foreign affairs representative for product explanation. This product introduction material file is recorded in advance before visiting the customer. This product introduction material file is composed of a product brochure associated with the product type and a slide file for product description.

  The external support server 20 is a computer system that manages the business situation between the external contact person and the customer. As shown in FIG. 4, the public relations support server 20 includes a server control unit 21, a user management information storage unit 22, a customer management information storage unit 23, a terminal management information storage unit 24, a support control information storage unit 25, and necessary document information. A storage unit 26 and a transaction management information storage unit 27 are provided.

  The server control unit 21 is realized by control means (CPU, RAM, ROM, etc.). The server control unit 21 performs processing described later (each processing in the supporter contact stage, the terminal control stage, the live status transfer stage, the voice recognition stage, the message transfer stage, the examination support stage, etc.). By executing the external support program for this purpose, the server control unit 21 can provide supporter contact means 211, terminal control means 212, live status transfer means 213, voice recognition means 214, message transfer means 215, examination support means 216, etc. Functions as each means.

  The supporter contact means 211 executes a process of notifying the administrator that a foreign relations activity has been started by a foreign representative. In addition, the supporter contact unit 211 calculates a support necessity level according to the situation of the external activities. Further, the supporter communication unit 211 holds data relating to a support necessity determination reference value for determining the necessity of support. The supporter communication unit 211 executes a process of identifying the client terminal 30 to which the external terminal person's mobile terminal 10 is connected based on the comparison result between the support necessity determination reference value and the support necessity level.

The terminal control unit 212 executes a control process for outputting the live situation information acquired from the portable terminal 10 in the client terminal 30 of the supporter.
The live status transfer unit 213 executes a process of transferring live status information (sound or image) acquired in the mobile terminal 10 to the client terminal 30.

The voice recognition means 214 executes voice recognition processing for converting the voice acquired from the client terminal 30 of the supporter into text.
The message transfer unit 215 executes processing for transferring a message from the supporter to the mobile terminal 10.
The examination support means 216 executes a process for supporting examination about whether or not the customer can provide a loan.

  As shown in FIG. 5A, a user management record 220 relating to the user of the mobile terminal 10 or the client terminal 30 is recorded in the user management information storage unit 22. The user management record 220 is recorded when user registration of the mobile terminal 10 or the client terminal 30 is performed. The user management record 220 includes user code, terminal code, charge, overall skill level, and data related to the administrator. Further, the user code of the person in charge of external relations is associated with data relating to the product type, specialized skill level, and supporter candidate.

  In the user code data area, data relating to an identifier (for example, an employee code) for identifying a person in charge of public relations who uses the mobile terminal 10, an administrator or a supporter who uses the client terminal 30, is recorded.

  In the terminal code data area, data relating to an identifier for specifying the mobile terminal 10 or the client terminal 30 used by the user is recorded. For example, an IP address can be used as the terminal code.

  In the assigned data area, data relating to an identifier for specifying the role of the user of the mobile terminal 10 or the client terminal 30 is recorded. The person in charge includes a person in charge of external affairs, a superior (supporter) of a person in charge of external affairs, and a person in charge specialized in a specific field.

In the overall skill level data area, data relating to an identifier for specifying the overall response capability for the person in charge of external relations is recorded.
In the manager data area, data relating to an identifier (user code) for specifying a manager (for example, a senior manager) of the person in charge of public relations is recorded.

In the product type data area, data relating to an identifier for identifying the type of product handled by the person in charge of public relations is recorded.
In the specialized skill level data area, data relating to an identifier for identifying the response capability of the external affairs person is recorded for this product type.

  In the supporter candidate data area, data relating to an identifier (user code) for identifying a candidate who becomes a supporter who supports the person in charge of public relations is recorded. In this embodiment, as a supporter, in principle, a superior of a person in charge of external affairs is set, and a specialist person in charge is set for a product type that the superior cannot handle. In the supporter candidate data area, a plurality of user codes are registered in order of priority so that the supporter can be replaced.

  In the customer management information storage unit 23, as shown in FIG. 5B, a customer management record 230 related to a company customer is recorded. This customer management record 230 is recorded when customer registration is performed. Similar to the customer management record 130 shown in FIG. 3B, the customer management record 230 includes data relating to a customer code, customer level, number of visits, product type, counterpart level, and transaction status.

  In the terminal management information storage unit 24, as shown in FIG. 5C, a terminal management record 240 relating to the usage status of the client terminal 30 is recorded. This terminal management record 240 is recorded when the client terminal 30 of the supporter is registered, and is updated according to the usage status. The terminal management record 240 includes a supporter terminal code and an attendance status. Furthermore, the supporter terminal code is associated with data related to the connection terminal code, the necessity for support, and the priority order.

In the supporter terminal code data area, data relating to an identifier for specifying the client terminal 30 used by the supporter is recorded.
In the presence status data area, data relating to an identifier for specifying the presence status of the supporter is recorded. In the present embodiment, the presence flag is recorded in the presence status data area when the supporter is in a situation where the client terminal 30 can be used. Whether or not the client terminal 30 can assist is determined based on the presence status.

In the connection terminal code data area, data related to an identifier for specifying the mobile terminal 10 that is providing the client terminal 30 with the actual situation is recorded.
In the support necessity degree data area, data relating to an evaluation value of the necessity for support of a person in charge of external affairs using the mobile terminal 10 is recorded.
In the priority order data area, data related to the priority order specified based on the support necessity level is recorded. The display on the client terminal 30 is controlled using this priority.

  The support control information storage unit 25 records a support control table 250 for determining the necessity of support for a person in charge of external relations. This support control table 250 is recorded in advance prior to the support of the person in charge of public relations. In the present embodiment, as shown in FIG. 6, the necessity of support is determined in consideration of the skill level, customer level, responder level (customer side responder), elapsed time, number of visits, and presentation materials. To do. For this reason, the support control table 250 calculates the necessity of support corresponding to the skill level (overall, specialized), customer level, responder level, elapsed time, number of visits, and presentation materials of the person in charge of external relations. The function is recorded. The elapsed time includes an elapsed time from the start of the visit and an elapsed time from the start of the product description.

  Here, the overall skill level recorded in the user management record 220 of the user management information storage unit 22 is used as the overall skill level used for calculating the support necessity level. In the support control table 250, a function for calculating a support necessity level such that the lower the overall skill level is, the higher the priority is recorded.

  In addition, information recorded in the customer management information storage unit 23 is used as the customer level, the responder level, and the number of visits used for calculating the support necessity level. In the support control table 250, a function for calculating the support necessity level is recorded such that the higher the customer level and the corresponding person level and the higher the number of visits, the higher the priority is.

  Further, as the elapsed time used for the calculation of the support necessity level, the elapsed time from the start of the visit acquired from the system timer and the elapsed time from the start of the product description (when the presentation material is selected on the mobile terminal 10) are used. The support control table 250 records a function for calculating the necessity of support so that the priority becomes higher as the elapsed time from the start of the visit becomes longer. Further, the support control table 250 records a function for calculating the necessity of support so that the priority becomes higher according to the product type when the elapsed time from the selection of the presentation material becomes longer.

  Also, the specialized skill level used for calculating the necessity level of support is determined based on the material displayed on the mobile terminal 10 by specifying the product type to be subject to the external activities, and the specialized skill level specified according to this product type. Use levels. In the support control table 250, a function for calculating the support necessity level such that the priority becomes higher as the specialized skill level is lower is recorded.

  When the live terminal information is provided from the plurality of mobile terminals 10 to the client terminal 30 of the supporter, the skill level of the person in charge of external affairs, the customer level, the visitor responder for each mobile terminal 10 Based on the level, the elapsed time, the number of visits, and the presentation materials, the support necessity level of this public relations person is calculated. Then, as shown in FIG. 6, the live status information is provided to the client terminal 30 based on the priority order in consideration of the support necessity of other portable terminals. Specifically, a high priority is assigned to the live situation information from the mobile terminal 10 having a high degree of support and displayed on the display of the client terminal 30.

  In the necessary document information storage unit 26, as shown in FIG. 5D, a necessary document management record 260 relating to documents necessary for the transaction with the customer is recorded. The necessary document management record 260 is recorded in advance prior to the support of the person in charge of external affairs. The necessary document management record 260 is configured to include data relating to the product type, the document type, and the confirmation items, similarly to the product management record 160 shown in FIG. Further, the necessary document management record 260 records a template for printing a document to be provided to the customer.

  As shown in FIG. 5E, a transaction management record 270 for managing a transaction with a customer is recorded in the transaction management information storage unit 27. The transaction management record 270 is recorded when a transaction is made with the customer. The transaction management record 270 includes data relating to a transaction code, customer code, product type, transaction content, examination result, provided document type, and collected document type.

In the transaction code data area, data relating to an identifier for specifying a transaction performed with the customer is recorded.
In the customer code data area, data relating to an identifier for identifying a customer who conducts the transaction is recorded.

In the product type data area, data relating to an identifier for specifying the type of a product to be traded (here, a loan product) is recorded.
In the transaction content data area, data relating to the content of transactions performed with this customer is recorded. For example, for loan products, data on collateral status, loan amount, and loan period is recorded.

In the examination result data area, data on examination results in the examination department is recorded.
In the provided document type data area, data relating to an identifier for specifying the type of document to be provided to the customer in this transaction is recorded.
In the collected document type data area, data relating to an identifier for specifying the type of document to be collected from the customer in this transaction is recorded.

  The client terminals (30, 40) are a computer terminal used by an administrator who manages a person in charge of external affairs and a supporter who supports the person in charge of external affairs, and a computer terminal used by a person in charge of an examination department who examines whether or not a loan is available. The client terminals (30, 40) have a function of transmitting data via a network, a function of displaying received data, and the like. For this reason, the client terminals (30, 40) include an input unit such as a keyboard and a mouse, an output unit such as a display, a communication unit, and the like in addition to a CPU, a RAM, and a ROM (not shown). Furthermore, the client terminal 30 includes a microphone for inputting the voice of the supporter.

Further, the external support server 20 is connected to the printer device 50 via a network. The printer device 50 is used for printing a document to be provided to a customer.
Next, the authentication process in this embodiment is demonstrated according to FIGS. Here, the process at the time of visit (FIG. 7), the person-in-charge support process (FIG. 8), the loan support process (FIG. 9), the examination department correspondence process (FIG. 10), the pre-visit document confirmation process (FIG. 11), the document at the time of visit This will be described in the order of the confirmation processing (FIG. 12).

(Process during visit)
First, the visit processing will be described with reference to FIG. When conducting a public relations activity at the place of visit, the person in charge of public relations activates the mobile terminal 10 that he / she brought.

  In this case, the terminal control unit 11 of the mobile terminal 10 performs a user authentication process (step S1-1). Specifically, the support management unit 111 of the terminal control unit 11 outputs a user authentication screen to the touch panel display 10a. This user authentication screen is provided with input fields for a user code and a password. When the user code and the password are input on the user authentication screen, the terminal control unit 11 of the mobile terminal 10 displays the user management record 120 in which the input user code and password are recorded as the user management information. Search in the storage unit 12. Here, when the user management record 120 with the same user code and password is not recorded, the use is rejected. On the other hand, when the user management record 120 with the same user code and password is recorded, the support management unit 111 outputs a menu screen to the touch panel display 10a. This menu screen includes selection buttons for processing at visit, financing, confirmation of documents before visit, confirmation of documents at visit, and the like.

  When the visit process is selected on this menu screen, the terminal control unit 11 of the mobile terminal 10 executes a process for identifying the customer and the purpose of the visit (step S1-2). Specifically, the support management unit 111 of the terminal control unit 11 outputs a visited destination input screen on the touch panel display 10a. This visit destination input screen is provided with a visit customer selection column and a visit purpose input column. The customer code of the visit destination is entered in the visit customer selection column, and the product type (transaction case) to be traded is entered in the visit purpose input column. When detecting the completion of input in each input field, the support management unit 111 temporarily records in the memory the customer code and the visit purpose set in the input field.

  Next, the terminal control part 11 of the portable terminal 10 performs an initial guidance process (step S1-3). Specifically, the support management unit 111 of the terminal control unit 11 extracts the transaction status of the visited customer from the customer management information storage unit 13. Then, the support management unit 111 outputs the extracted transaction status to the touch panel display 10a as initial guidance.

  Next, the terminal control part 11 of the portable terminal 10 performs a customer side corresponding person specific process (step S1-4). Specifically, the support management unit 111 of the terminal control unit 11 outputs a customer service person setting screen to the touch panel display 10a. This customer service person setting screen is provided with a responder input field for inputting the title of the customer service person. When it is detected that the input to the corresponding person input field is completed, the support management unit 111 temporarily records the corresponding person set in the input field in the memory.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a support necessity evaluation value calculation process (step S1-5). Specifically, the support management unit 111 of the terminal control unit 11 acquires from the user management information storage unit 12 the overall skill level of the person in charge of external affairs and the specialized skill level in the product type corresponding to the visit purpose. Next, the support management unit 111 acquires a customer level and a responder level from the customer management information storage unit 13. Next, the support management unit 111 identifies a lower level among the overall skill level and the specialized skill level as the person-in-charge skill level. In addition, the support management unit 111 specifies a higher level as a necessary level among the customer level and the responder level. The support management unit 111 calculates a difference (support necessity evaluation value) obtained by subtracting the necessary level from the person-in-charge skill level.

  Next, the terminal control part 11 of the portable terminal 10 performs the determination process about whether it is a support object (step S1-6). Specifically, the support management unit 111 of the terminal control unit 11 makes a determination based on the support necessity evaluation value. Here, if the person-in-charge skill level is higher than the required level and the support necessity evaluation value is a positive value, it is determined that support is not required. On the other hand, if the skill level is below the required level and the support necessity evaluation value is not a positive value, it is determined as a support target.

  When it is determined that it is not a support target (in the case of “NO” in step S1-6), the terminal control unit 11 of the mobile terminal 10 executes a normal liaison process (step S1-7). Specifically, the support management unit 111 of the terminal control unit 11 outputs a list of product introduction material files recorded in the product material information storage unit 18 to the touch panel display 10a. Then, the person in charge of public relations conducts a public relations activity using the product introduction material file displayed on the touch panel display 10a.

  On the other hand, when it determines with it being a support object (in the case of "YES" in step S1-6), the terminal control part 11 of the portable terminal 10 performs a detection process of an electromagnetic wave state (step S1-8). Specifically, the support management unit 111 of the terminal control unit 11 detects the radio wave state via the wireless communication unit 10b.

  Next, the terminal control part 11 of the portable terminal 10 performs the determination process about whether communication is possible (step S1-9). Specifically, the support management unit 111 of the terminal control unit 11 determines that communication is not possible when the radio wave condition is poor. On the other hand, when there is no problem in the radio wave condition, it is determined that communication is possible.

  When it is determined that communication is not possible (in the case of “NO” in step S1-9), the terminal control unit 11 of the mobile terminal 10 executes an alarm display process (step S1-10). Specifically, the support management unit 111 of the terminal control unit 11 displays on the touch panel display 10a that communication is not possible.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a business guidance output process (step S1-11). Specifically, the support management unit 111 of the terminal control unit 11 extracts guidance corresponding to the person-in-charge skill level from the guidance information storage unit 15 and outputs it to the touch panel display 10a.

  On the other hand, if it is determined that communication is possible (in the case of “YES” in step S1-9), the terminal control unit 11 of the mobile terminal 10 executes a notification process of the start of public relations (step S1-12). Specifically, the support management unit 111 of the terminal control unit 11 transmits a public relation start message to the public relations support server 20 via the wireless communication unit 10b. This public relations start message includes the user code of the person in charge of public relations, the customer code of the visited site, the customer's responder code, and data relating to the product type. Also in this case, the terminal control unit 11 of the mobile terminal 10 executes a sales guidance output process (step S1-11).

  When the product introduction material file recorded in the product material information storage unit 18 is newly selected on the touch panel display 10a, the support management unit 111 acquires the product type associated with the selected file, and Tentatively record. Next, the support management unit 111 calculates a support necessity evaluation value using the product type, customer level, and responder level temporarily recorded in the memory (step S1-5). And the support management means 111 performs the process after step S1-6.

  Further, when the customer-side responder is replaced, the terminal control unit 11 of the mobile terminal 10 executes the customer-side responder specifying process (step S1-4), and the product type or customer temporarily recorded in the memory The support necessity evaluation value is calculated using the level and the responder level (step S1-5).

  Then, when the public relations activity is terminated, the termination input is performed on the mobile terminal 10. In this case, the terminal control unit 11 of the mobile terminal 10 transmits a negotiation completion message to the negotiation support server 20.

(Responsible person support processing)
Next, the person-in-charge support process will be described with reference to FIG. This person-in-charge support process starts when a public relation start message is received from the mobile terminal 10, and continues until a public relation end message is received.

  First, the server control unit 21 of the external support server 20 executes a notification process to the administrator (step S2-1). Specifically, the supporter contact unit 211 of the server control unit 21 extracts from the user management information storage unit 22 the user management record 220 in which the user code of the person in charge of external relations included in the external start message is recorded. . The supporter contact unit 211 acquires the terminal code recorded in the user management record 220. Then, the supporter communication unit 211 transmits a message indicating that the external activities have been started to the client terminal 30 of the terminal code.

  Next, the server control unit 21 of the public relations support server 20 executes a support degree calculation process (step S2-2). Specifically, the supporter communication unit 211 of the server control unit 21 calculates an elapsed time from the time of the start of the public relations (when the public relation start message is received). Further, in the user management record 220 in which the user code of the external contact person obtained from the mobile terminal 10 is recorded and the customer management record 230 in which the customer code of the visited place is recorded, the skill level of the external contact person (overall, specialized ), Customer level, responder level, visit count. Further, the elapsed time from the selection of the presentation material is calculated. Then, the supporter communication unit 211 uses the support control table 250 of the support control information storage unit 25 to acquire the support necessity level based on the elapsed time from the start of the visit. Further, the supporter contact means 211 uses the support control table 250 to obtain the support necessity level based on the elapsed time corresponding to the skill level (total, specialty), customer level, responder level, and number of visits of the person in charge of external relations. To do. Further, the supporter communication unit 211 acquires the support necessity level based on the elapsed time from the selection of the presentation material corresponding to the product type. Then, the supporter communication unit 211 calculates the support necessity level at the present time by summing up these support necessity levels.

  Next, the server control unit 21 of the external support server 20 performs a determination process as to whether or not support is required (step S2-3). Specifically, the supporter communication unit 211 of the server control unit 21 compares the calculated support necessity level with a support necessity determination reference value that is held in advance. Here, if the support necessity level is equal to or greater than the support necessity determination reference value, it is determined that support is necessary. On the other hand, when the support necessity level is lower than the support necessity determination reference value, it is determined that support is unnecessary.

  When it is determined that the assistance is unnecessary (in the case of “NO” in step S2-3), the server control unit 21 of the external assistance server 20 repeats the support necessity determination process (step S2-2).

  On the other hand, if it is determined that support is necessary (in the case of “YES” in step S2-3), the server control unit 21 of the external support server 20 executes supporter candidate specifying processing (step S2-4). Specifically, the supporter contact unit 211 of the server control unit 21 extracts the user management record 220 in which the user code acquired from the mobile terminal 10 is recorded from the user management information storage unit 22. Then, the supporter communication unit 211 acquires the user code of the supporter candidate corresponding to the product type acquired from the mobile terminal 10 from the supporter candidate data area of the user management record 220.

  Next, the server control unit 21 of the external support server 20 executes an acquisition process of supporter candidate presence information (step S2-5). Specifically, the supporter contact unit 211 of the server control unit 21 extracts the user management record 220 in which the user code of the supporter candidate is recorded in the user management information storage unit 22. Next, the supporter contact means 211 specifies the terminal code in the user management record 220. Then, the supporter communication unit 211 extracts the terminal management record 240 in which the identified terminal code is recorded in the supporter terminal code data area from the terminal management information storage unit 24, and is recorded in the terminal management record 240. Get presence status.

  Next, the server control unit 21 of the external support server 20 executes a process for identifying a supporter who is present (step S2-6). Specifically, the supporter communication unit 211 of the server control unit 21 specifies the client terminal 30 of the supporter in which the presence flag is recorded in the presence status data area of the terminal management record 240. When the presence flag is recorded in the terminal management record 240 of a plurality of supporter candidates, the supporter with the highest priority is identified.

  Next, the server control unit 21 of the external support server 20 executes a process for acquiring the congestion status of the supporter terminal (step S2-7). Specifically, the supporter contact unit 211 of the server control unit 21 acquires the connection terminal code associated with the supporter terminal code in the terminal support record 240 of the specified supporter. As a result, the mobile terminal 10 that transmits the live situation information to the client terminal 30 is specified.

  Next, the server control unit 21 of the external support server 20 executes a priority determination process (step S2-8). Specifically, the supporter contact unit 211 of the server control unit 21 newly records 10 terminal codes of the mobile terminal used by the person in charge of external relations in the connection terminal code data area of the terminal management record 240. . Further, the supporter communication unit 211 records the support necessity level in association with the connection terminal code. Then, the supporter communication unit 211 determines the priority order using the support necessity level. In the present embodiment, the priority order of the connection terminal codes associated with the same supporter terminal code is determined so that the priority order of the mobile terminal 10 having a high degree of support need is high.

  Next, the server control unit 21 of the external support server 20 executes an actual output process for the supporter terminal according to the priority order (step S2-9). Specifically, the terminal control unit 11 of the mobile terminal 10 continuously transmits the live situation information (sound and image) acquired by the live situation obtaining unit 10 c to the external support server 20. In this case, the terminal control unit 212 of the server control unit 21 outputs a screen for outputting the live status information to the display of the client terminal 30. In this case, the live status transfer unit 213 divides the sub screen according to the priority order, and outputs live status information acquired from the mobile terminal 10 to the display of the client terminal 30. The supporter confirms the live situation information output on the display of the client terminal 30.

  When it is determined that support is required in the activities of the person in charge of external affairs, the mobile terminal 10 to be supported is specified. In this embodiment, by selecting a sub screen displayed on the display of the client terminal 30, the portable terminal 10 to be supported is specified. Then, the supporter inputs a message through the microphone of the client terminal 30. In this case, the client terminal 30 transmits the acquired voice data to the external support server 20.

  Then, the server control unit 21 of the external support server 20 executes a supporter voice message acquisition process (step S2-10). Specifically, the terminal control unit 212 of the server control unit 21 acquires a message by a supporter's voice from the client terminal 30.

  Next, the server control unit 21 of the external support server 20 executes a voice recognition process for the message (step S2-11). Specifically, the voice recognition unit 214 of the server control unit 21 executes voice recognition processing for converting voice data acquired from the client terminal 30 into text. The voice recognition unit 214 then outputs a text confirmation screen generated by the voice recognition to the display of the client terminal 30. The support person corrects the text on the confirmation screen as necessary. If there is no problem, the transmission button is selected.

  Next, the server control unit 21 of the external support server 20 executes message output processing on the mobile terminal (step S2-12). Specifically, the message transfer unit 215 of the server control unit 21 transmits a supporter's message (text) to the mobile terminal 10 of the external contact person. In this case, the mobile terminal 10 outputs a supporter's message to the touch panel display 10a.

(Loan support processing)
Next, the loan support process will be described with reference to FIG. Here, it is assumed that a person in charge of external affairs conducts business for a loan product at a customer site. In this case, the person in charge of public relations selects a loan button on the menu screen of the mobile terminal 10.

  In this case, the terminal control unit 11 of the mobile terminal 10 executes an acquisition process of the loan amount, the repayment period, the loan time, and the collateral conditions (Step S3-1). Specifically, the loan support means 112 of the terminal control unit 11 outputs a loan condition input screen on the touch panel display 10a. This loan condition input screen is provided with input fields for loan amount, repayment period, loan timing, and collateral conditions. When detecting the completion of input in each input field, the support management unit 111 temporarily records the loan amount, repayment period, loan time, and collateral conditions set in the input field in the memory.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a process for specifying the loan target product according to the conditions (step S3-2). Specifically, the loan support means 112 of the terminal control unit 11 compares the input loan amount, repayment period, collateral conditions with the product content recorded in the product management record 160 and can use the available loan product. Is identified. The loan support means 112 specifies the set interest rate range recorded in the product content data area by specifying the loan product.

  Next, the terminal control part 11 of the portable terminal 10 performs the specific process of a financing method (step S3-3). Specifically, the loan support means 112 of the terminal control unit 11 outputs a loan method input field to the touch panel display 10a. In this financing method, the financing conditions (financing amount, etc.), collateral conditions, repayment conditions (repayment period, number of repayments, etc.) are entered. When the loan support means 112 detects the completion of input in the loan method input field, the support management means 111 temporarily records the loan method set in the input field in the memory.

  Next, the terminal control unit 11 of the mobile terminal 10 executes an interest rate determination process according to the customer (step S3-4). Specifically, the loan support means 112 of the terminal control unit 11 outputs an interest rate setting screen to the touch panel display 10a. In this interest rate setting screen, an input field for a desired interest rate (transaction condition) to be applied in the loan is provided. The liaison officer discusses with the customer and enters the desired interest rate in this entry field. When detecting the completion of the input to the desired interest input column, the support management unit 111 temporarily records the desired interest rate set in the input column in the memory.

  Next, the terminal control unit 11 of the portable terminal 10 executes a determination process as to whether or not the person in charge is within the discretion range (step S3-5). Specifically, the loan support means 112 of the terminal control unit 11 determines whether or not the input desired interest rate is included in the interest rate range of this product. If it falls within the interest rate range, it is determined to be within the discretion of the person in charge of public relations.

  If it is determined that it is within the discretion of the person in charge (in the case of “YES” in step S3-5), the terminal control unit 11 of the mobile terminal 10 executes a profit simulation process (step S3-6). Specifically, the revenue prediction unit 113 of the terminal control unit 11 performs a revenue simulation using the loan amount, the repayment period, and the desired interest rate temporarily stored in the memory. Here, when the desired interest rate is applied to the loan amount, the total amount of interest during the repayment period is calculated.

  On the other hand, when the desired interest rate exceeds the interest rate range of the loan product and is determined to be outside the discretion of the person in charge (in the case of “NO” in step S3-5), the terminal control unit 11 of the mobile terminal 10 The notification process is executed (step S3-7). Specifically, the loan support unit 112 of the terminal control unit 11 transmits a confirmation message (support request) to the client terminal 30. This confirmation message includes data on the customer code of the visited site, loan conditions, and the desired interest rate. Then, the supporter confirms the confirmation message received at the client terminal 30. Here, if there is no problem, an approval input is made to the client terminal 30. In this case, the client terminal 30 transmits an acknowledgment message to the mobile terminal 10. On the other hand, if there is a problem, a rejection input is made to the client terminal 30. In this case, the client terminal 30 transmits a rejection message to the mobile terminal 10.

  Next, the terminal control part 11 of the portable terminal 10 performs the determination process about whether a desired interest rate is applicable (step S3-8). Specifically, the loan support unit 112 of the terminal control unit 11 determines whether or not the desired interest rate is applicable based on a message acquired from the client terminal 30. Here, when an acknowledgment message is received, it is determined that the desired interest rate is applicable, and when a rejection message is received, it is determined that it is not applicable.

When it is determined that the desired interest rate is not applicable (in the case of “NO” in step S3-8), the terminal control unit 11 of the mobile terminal 10 starts over from the process of step S3-4.
When it is determined that the desired interest rate is applicable (in the case of “YES” in step S3-8), the terminal control unit 11 of the mobile terminal 10 executes a profit simulation process (step S3-6).

  Next, the terminal control part 11 of the portable terminal 10 performs the determination process about whether there is little profit (step S3-9). Specifically, the loan support unit 112 of the terminal control unit 11 predicts the amount of revenue calculated by the revenue simulation of the revenue prediction unit 113. Then, the loan support means 112 compares the predicted profit amount with the reference revenue amount. Here, when the revenue forecast amount is lower than the revenue base amount, it is determined that the revenue is small, and when the revenue forecast amount is equal to or greater than the revenue base amount, it is determined that the revenue is not small.

  If it is determined that the profit is not small (in the case of “NO” in step S3-9), the terminal control unit 11 of the mobile terminal 10 executes a repayment simulation process (step S3-10). Specifically, the repayment prediction means 114 of the terminal control unit 11 calculates the repayment amount and the total repayment amount each time during the repayment period based on the loan conditions and the desired interest rate. And the repayment prediction means 114 outputs a simulation result to the touch panel display 10a.

  On the other hand, when it is determined that the profit is low (in the case of “YES” in step S3-9), the terminal control unit 11 of the mobile terminal 10 executes a notification process to the supporter (step S3-11). Also in this case, similarly to step S3-7, the loan support unit 112 of the terminal control unit 11 transmits a confirmation message (support request) to the client terminal 30. Then, the supporter uses the client terminal 30 to check the customer and loan conditions and determines whether or not the loan is possible. Here, if there is no problem, an approval input is made to the client terminal 30. In this case, the client terminal 30 transmits an acknowledgment message to the mobile terminal 10. On the other hand, if there is a problem, the examination department corresponding input is performed on the client terminal 30. In this case, the client terminal 30 transmits an examination department correspondence message to the mobile terminal 10.

  Next, the terminal control unit 11 of the mobile terminal 10 performs a determination process as to whether or not financing is possible (step S3-12). Specifically, the loan support unit 112 of the terminal control unit 11 determines whether or not the loan is possible based on a message acquired from the client terminal 30. If an acknowledgment message is received, it is determined that financing is possible. On the other hand, when a message for examination department is received, since the examination department needs to be judged, the external activities are suspended.

  If it is not possible to determine that a loan is possible due to the reception of the examination department correspondence message (in the case of “NO” in step S3-12), the terminal control unit 11 of the external support server 20 executes examination department request processing ( Step S3-13). Specifically, the loan support means 112 of the terminal control unit 11 puts the loan at the desired interest rate on hold. In this case, the loan support means 112 outputs a message indicating that the examination department determines whether or not the loan is possible. Then, the loan support unit 112 transmits an examination request message to the external support server 20. The examination request message includes data on the determined loan conditions. Upon receiving this examination request message, the foreign exchange support server 20 executes examination department correspondence processing described later (FIG. 10).

  On the other hand, if it is determined that financing is possible (“YES” in step S3-12), the terminal control unit 11 of the mobile terminal 10 executes a repayment simulation process (step S3-10).

  Next, the terminal control unit 11 of the mobile terminal 10 executes a determination process as to whether or not there is a desire to change the loan conditions (step S3-14). The person in charge of public relations outputs the output simulation result to the touch panel display 10a and presents it to the customer. Here, when it is desired to change the loan conditions, the change is input to the mobile terminal 10. When the loan condition change request input is performed (in the case of “YES” in step S3-14), the mobile terminal 10 starts over from the process of step S3-1.

  On the other hand, if the customer determines to use the loan, the person in charge of public relations inputs a transaction to the mobile terminal 10. When there is no desire to change the financing conditions (in the case of “NO” in step S3-14), the terminal control unit 11 of the mobile terminal 10 executes a necessary document output process (step S3-15). Specifically, the loan support means 112 of the terminal control unit 11 uses the product management information storage unit 16 to specify documents necessary for the transaction of the loan product. And the loan assistance means 112 outputs the specified document to the touch panel display 10a. The liaison officer presents the necessary documents to the customer.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a loan condition transmission process (step S3-16). Specifically, the loan support unit 112 of the terminal control unit 11 transmits a transaction request message to the external support server 20. The transaction request message includes data regarding the determined loan conditions.

(Examination department correspondence processing)
Next, the examination department correspondence processing will be described with reference to FIG. This examination department handling process is executed when the examination request message in the examination department request process (step S3-13) is received.

  Here, the server control unit 21 of the external support server 20 executes a transaction request message reception process (step S4-1). Specifically, the examination support means 216 of the server control unit 21 receives a transaction request message from the mobile terminal 10. In this case, the examination support means 216 gives a transaction code to the received transaction request message. Then, the examination support means 216 generates a transaction management record 270 including data relating to the transaction code, the customer code included in the transaction request message, the product type, and the transaction content (collateral status, loan amount, loan period), and transaction management It is recorded in the information storage unit 27.

  Next, the server control unit 21 of the external support server 20 executes a circulation process to the examination department (step S4-2). Specifically, the examination support means 216 of the server control unit 21 transfers a transaction request message to the client terminal 40 of the examination department. In this case, the person in charge of the examination department uses the client terminal 40 to confirm the customer status, loan conditions, collateral conditions, and the like. Here, if there is no problem, an approval input is made to the client terminal 40. In this case, the client terminal 40 transmits an acknowledgment message to the mobile terminal 10. On the other hand, if there is a problem, a rejection input is made to the client terminal 40. In this case, the client terminal 40 transmits a rejection message to the external support server 20.

  Next, the server control unit 21 of the external support server 20 executes a determination process as to whether or not financing is possible (step S4-3). Specifically, the examination support unit 216 of the server control unit 21 determines whether or not financing is possible based on a message received from the client terminal 40. Here, when an acknowledgment message is received, it is determined that financing is possible, and when a rejection message is received, it is determined that financing is not possible. Then, the determination result is recorded in the examination result data area of the transaction management record 270.

  If it is determined that the loan is possible ("YES" in step S4-3), the server control unit 21 of the external assistance server 20 executes a necessary document specifying process according to the product type (step S4-4). Specifically, the examination support unit 216 of the server control unit 21 specifies the required document management record 260 in which the product type to be traded is recorded in the required document information storage unit 26. Then, the examination support means 216 specifies the necessary documents (provided document type, collected document type) when this product is provided, based on the document type recorded in the required document management record 260.

  Next, the server control unit 21 of the external support server 20 executes a required document output process (step S4-5). Specifically, the examination support unit 216 of the server control unit 21 records the specified required document in the provided document type and collection document type data area of the transaction management record 270 of the transaction management information storage unit 27. Next, the examination support unit 216 acquires a template of the provided document type from the required document information storage unit 26 and prints it using the printer device 50.

  Next, the server control unit 21 of the public relations support server 20 executes a result notification process that allows financing (step S4-6). Specifically, the examination support unit 216 of the server control unit 21 transmits the examination result to the mobile terminal 10. When it is determined that the loan is possible and the necessary document is printed, a message indicating that the necessary document has been printed is transmitted.

  Further, the examination support means 216 transmits data (customer code, product type, transaction code, provided document type, collected document type, etc.) necessary for generating the document management record 170 to the mobile terminal 10. In this case, the mobile terminal 10 generates a document management record 170 and records it in the document management information storage unit 17. At this stage, the date of bringing, provision status, confirmation status, collection status, and collection date are left blank.

  On the other hand, if it is determined that financing is not possible (in the case of “NO” in step S4-3), the server control unit 21 of the external support server 20 executes a result notification process indicating that financing is not possible (step S4-7). Specifically, the examination support unit 216 of the server control unit 21 transmits a message indicating that financing cannot be performed to the mobile terminal 10.

(Pre-visit document confirmation process)
Next, the pre-visit document confirmation process will be described with reference to FIG. This pre-visit document confirmation process is executed before the foreign affairs representative brings documents necessary for financing to the customer. The person in charge of public relations activates the mobile terminal 10.

  In this case, the terminal control part 11 of the portable terminal 10 performs a user authentication process similarly to step S1-1 (step S5-1). Then, the person in charge of public relations selects the pre-visit document confirmation button on the menu screen displayed on the touch panel display 10 a of the mobile terminal 10.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a visit destination and transaction code specifying process (step S5-2). Specifically, the document confirmation unit 115 of the terminal control unit 11 outputs a visit destination input screen to the touch panel display 10a. This visit destination input screen is provided with an input field for customer customers who bring necessary documents. When the customer code of the visited place is entered in this input field, the document confirmation means 115 identifies the visited place.

  Next, the document confirmation means 115 outputs a visit purpose input screen to the touch panel display 10a. This visit purpose input screen is provided with a selection column for the visit purpose of the customer. Here, the transaction code of the transaction request determined to be loanable in the examination is input.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a necessary document list display process (step S5-3). Specifically, the document confirmation unit 115 of the terminal control unit 11 extracts the document management record 170 recorded in the document management information storage unit 17 using the input transaction code, and records it in the document management record 170. Specify the provided document type. Next, the document confirmation unit 115 creates a required document list in which the specified provided document types are displayed as a list, and outputs it to the touch panel display 10a.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a process for deleting the brought-in document (step S5-4). Specifically, the person in charge of public relations compares the required document list with the documents to be brought, selects the prepared document on the touch panel display 10a, and performs the consumption input. In this case, the document confirmation unit 115 of the terminal control unit 11 records the current date in the bring-in date data area of the document management record 170 for the selected document. Next, the document confirmation means 115 erases the prepared document to bring in the required document list. If necessary documents remain that have not yet been erased, the foreign affairs representative prepares the provided documents again.

(Document confirmation process at the time of visit)
Next, the visiting document confirmation process will be described with reference to FIG. This pre-visit document confirmation process is executed when a foreign affairs person confirms necessary documents at a visited site. The person in charge of external affairs activates the mobile terminal 10 that he / she brought.

  In this case, the terminal control unit 11 of the mobile terminal 10 executes the user authentication process (step S6-1) as in step S5-1. Here, the person in charge of public relations selects a document check button at the time of visit on the menu screen displayed on the touch panel display 10 a of the mobile terminal 10.

Next, the terminal control part 11 of the portable terminal 10 performs the identification process of a visited place and a transaction code similarly to step S5-2 (step S6-2).
Then, confirmation of the provided documents and confirmation of the collected documents are performed.
First, in the confirmation of the provided document, the terminal control unit 11 of the mobile terminal 10 executes a provided document list display process (step S6-3). Specifically, the document confirmation unit 115 of the terminal control unit 11 specifies the provided document type associated with the transaction code from the document management information storage unit 17. The document confirmation unit 115 creates a necessary document list in which the specified provided document types are displayed as a list, and outputs it to the touch panel display 10a.

  Next, the terminal control unit 11 of the portable terminal 10 executes a provision document erasing process (step S6-4). Specifically, the document confirmation unit 115 of the terminal control unit 11 compares the required document list with the document to be brought, selects the prepared document on the touch panel display 10a, and performs a consumption input. In this case, the document confirmation unit 115 records the provided flag in the provision status data area in the document management record 170 for the selected document. Next, the document confirmation means 115 erases the prepared document to bring in the required document list. Then, when necessary documents that have not yet been erased remain when the end input is performed, the document confirmation unit 115 outputs the provided document type for which the provided flag is not recorded to the touch panel display 10a. . In this case, the document confirmation unit 115 outputs a warning indicating that there is a missing document. Then, the person in charge of external affairs continues to input the remaining documents.

  Further, in the confirmation of the collected document, the terminal control unit 11 of the mobile terminal 10 executes a collected document list display process (step S6-5). Specifically, the document confirmation unit 115 of the terminal control unit 11 specifies the collected document type associated with the transaction code from the document management information storage unit 17. A necessary document list in which the identified collected document types are displayed as a list is created and output to the touch panel display 10a.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a determination process as to whether or not there is a previously confirmed document (step S6-6). Specifically, the document confirmation unit 115 of the terminal control unit 11 confirms the document confirmed in the previous visit if there is a document in which the confirmed flag is recorded in the confirmation status data area of the document management record 170. Judge that there is.

  If there is a previously confirmed document (“YES” in step S6-6), the terminal control unit 11 of the mobile terminal 10 executes a process for setting confirmed information in the collection document list (step S6-7). . Specifically, when there is a document in which a confirmed flag is recorded, the document confirmation unit 115 of the terminal control unit 11 sets information indicating that this document has been confirmed in the collection document list as an initial value. Set as. On the other hand, if there is no previously confirmed material (“NO” in step S6-6), the confirmation information setting process (step S6-7) is skipped.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a collection document selection process (step S6-8). Specifically, the document confirmation unit 115 of the terminal control unit 11 compares the collected document list with the document deposited by the customer. Then, the document type of the deposited document is selected and input on the touch panel display 10a.

  Next, the terminal control unit 11 of the mobile terminal 10 executes a confirmation item output process in the collected document (step S6-9). Specifically, the document confirmation unit 115 of the terminal control unit 11 confirms the product management record 160 from the product management information storage unit 16 based on the product type recorded in the document management record 170 and the selected collection document type. Get matters. Then, the document confirmation unit 115 outputs the acquired confirmation items to the touch panel display 10a. The person in charge of public relations confirms this confirmation item, and if there is no problem, inputs confirmation.

  Next, the terminal control unit 11 of the mobile terminal 10 executes an output process of the consistency confirmation items between collected documents (step S6-10). Specifically, the document confirmation unit 115 of the terminal control unit 11 determines whether or not there is a confirmation item for consistency with other documents in the confirmation item data area of the product management record 160. When the confirmation items for consistency are set, the document confirmation unit 115 confirms whether or not a confirmed flag is recorded in the confirmation status data area for other documents. If the confirmed flag has already been recorded, the document confirming means 115 outputs a confirmation item regarding the consistency between the already confirmed document and the current document to the touch panel display 10a. The person in charge of external affairs confirms this confirmation item, and if there is no problem, performs confirmation input. If there is a problem with the confirmation items, the customer is requested to correct it.

  Next, the terminal control unit 11 of the mobile terminal 10 performs a determination process as to whether or not the input is finished (step S6-11). Specifically, when confirmation has been entered for all the deposited documents, the completion button on the collected document list is selected. The document confirmation unit 115 of the terminal control unit 11 determines the end of input depending on whether or not the completion button is selected.

If the input has not ended (in the case of “NO” in step S6-11), the terminal control unit 11 of the mobile terminal 10 repeats the processing from step S6-8.
On the other hand, when the completion button is selected and it is determined that the input is finished (in the case of “YES” in step S6-11), the terminal control unit 11 of the mobile terminal 10 executes a determination process as to whether there is a missing document. (Step S6-12). Specifically, the document confirmation unit 115 of the terminal control unit 11 confirms whether or not a collection flag is recorded in the collection status data area of the document management record 170. If there is a document for which no collection flag is recorded, it is determined that there is a missing document.

  When it is determined that there is no insufficient document (in the case of “NO” in step S6-12), the terminal control unit 11 of the mobile terminal 10 executes a recovery process for the collected documents (step S6-13). Specifically, the document confirmation unit 115 of the terminal control unit 11 records a collected flag in the collection status data area.

  On the other hand, when it is determined that there is a missing document (in the case of “YES” in Step S6-12), the terminal control unit 11 of the mobile terminal 10 executes a warning process for the missing document (Step S6-14). Specifically, the document confirmation unit 115 of the terminal control unit 11 outputs a warning message indicating that there is a missing document on the touch panel display 10a. This warning message includes information regarding the document type for which no confirmation flag is recorded. The foreign affairs officer who confirmed this message explains the missing documents to the customer.

As described above, according to the present embodiment, the following effects can be obtained.
(1) In the above-described embodiment, the terminal control unit 11 of the mobile terminal 10 performs a support necessity evaluation value calculation process (step S1-5). Next, the terminal control part 11 of the portable terminal 10 performs the determination process about whether it is a support object (step S1-6). And when it determines with a support target (in the case of "YES" in step S1-6), the terminal control part 11 of the portable terminal 10 performs the detection process of an electromagnetic wave state (step S1-8). When it is determined that communication is possible (in the case of “YES” in step S1-9), the terminal control unit 11 of the mobile terminal 10 performs a notification process of the start of public relations (step S1-12). As a result, the manager can grasp that the external relations activity by the external representative is started. Then, support can be provided as necessary.

  When it is determined that communication is not possible (in the case of “NO” in step S1-9), the terminal control unit 11 of the mobile terminal 10 executes an alarm display process (step S1-10). Thereby, it is possible to alert the person in charge of external affairs that the supporter cannot receive the support.

  (2) In the embodiment described above, the server control unit 21 of the external support server 20 executes supporter candidate identification processing (step S2-4) and supporter candidate presence information acquisition processing (step S2-5). To do. Thereby, the situation of the person in charge of external relations can be notified in consideration of the situation of the supporter.

  (3) In the above embodiment, the server control unit 21 of the external support server 20 executes the support necessity level determination process (step S2-2) and the supporter terminal congestion status acquisition process (step S2-7). . Next, the server control unit 21 of the external support server 20 executes priority determination processing according to the support necessity level and the congestion status (step S2-8). Then, the server control unit 21 of the external support server 20 executes a live output process for the supporter terminal according to the priority order (step S2-9). As a result, even when one supporter provides support to a plurality of external liaison officers, the support can be provided in consideration of the priority.

  (4) In the above embodiment, the server control unit 21 of the external support server 20 executes the voice message acquisition process (step S2-10) of the supporter and the voice recognition process (step S2-11) of the message. Then, the server control unit 21 of the external support server 20 executes message output processing on the mobile terminal (step S2-12). As a result, the supporter can efficiently support the person in charge of external relations. The person in charge of external affairs can conduct external activities while referring to this message.

  (5) In the above embodiment, the terminal control unit 11 of the mobile terminal 10 acquires the loan amount, the repayment period, the loan time, the collateral condition acquisition process (step S3-1), and the loan method specifying process (step S3-3). Execute. Next, the terminal control unit 11 of the mobile terminal 10 executes an interest rate determination process (step S3-4) and a determination process (step S3-5) as to whether it is within the discretion of the person in charge according to the customer. When the desired interest rate exceeds the interest rate range of the loan product and is determined to be outside the discretion of the person in charge (in the case of “NO” in step S3-5), the terminal control unit 11 of the portable terminal 10 supports A notification process is executed to the person (step S3-7). As a result, the supporter can determine the validity of the interest rate input by the person in charge of external affairs. Even if the interest rate exceeds the discretionary range, it is possible to conduct transactions in consideration of the customer situation.

  (6) In the embodiment described above, the terminal control unit 11 of the mobile terminal 10 executes the profit simulation process (step S3-6). And the terminal control part 11 of the portable terminal 10 performs the determination process about whether there is little profit (step S3-9). If it is determined that the profit is small (in the case of “YES” in step S3-9), the terminal control unit 11 of the mobile terminal 10 performs a notification process to the supporter (step S3-11). Thereby, about a transaction with little profit, a supporter's judgment can be asked.

  (7) In the above embodiment, when it is determined that financing is possible (in the case of “YES” in Step S3-12), the terminal control unit 11 of the mobile terminal 10 executes a repayment simulation process (Step S3-10). ). As a result, the customer can make a determination as to whether or not the loan can be used.

  (8) In the above embodiment, when there is no desire to change the loan conditions (in the case of “NO” in step S3-14), the terminal control unit 11 of the mobile terminal 10 executes the necessary document output process (step S3). -15). Thereby, the customer can be informed of necessary documents at the visited site.

  (9) In the embodiment described above, the server control unit 21 of the external support server 20 executes a result notification process that can be financed (step S4-6). In this case, the examination support unit 216 transmits data (customer code, product type, transaction code, provided document type, collected document type, etc.) necessary for generating the document management record 170 to the mobile terminal 10. In this case, the mobile terminal 10 generates a document management record 170 and records it in the document management information storage unit 17. At this stage, the date of bringing, provision status, confirmation status, collection status, and collection date are left blank. Thereby, the person in charge of public relations can use the mobile terminal 10 to manage the provision or collection of documents necessary for the transaction.

  (10) In the above-described embodiment, the terminal control unit 11 of the mobile terminal 10 performs the visit destination and transaction code specifying process (step S5-2). In this case, the terminal control unit 11 of the mobile terminal 10 executes a necessary document list display process (step S5-3). And the terminal control part 11 of the portable terminal 10 performs the cancellation process of a bringing document (step S5-4). Thereby, the person in charge of external affairs can confirm documents to be brought before the visit of the customer, and can prevent forgetting to bring the provided documents.

  (11) In the above embodiment, in the confirmation of the provided document, the terminal control unit 11 of the mobile terminal 10 executes the provided document list display process (step S6-3). Then, the terminal control unit 11 of the mobile terminal 10 executes a provision document erasing process (step S6-4). Thereby, the person in charge of public relations can prevent forgetting to provide documents necessary for the transaction at the place of visit.

  (12) In the above embodiment, in the confirmation of the collected document, the terminal control unit 11 of the mobile terminal 10 performs the collected document list display process (step S6-5) and the collected document selection process (step S6-8). Run. In this case, the terminal control unit 11 of the portable terminal 10 executes a confirmation item output process in the collected document (step S6-9). As a result, the person in charge of external affairs can accurately collect the required documents by confirming that the required items have been forgotten or missed at the place of visit.

  Further, the terminal control unit 11 of the portable terminal 10 executes an output process of the consistency confirmation items between collected documents (step S6-10). As a result, when collecting a plurality of documents, it is possible to check the consistency between the documents and collect the necessary required documents.

  (13) In the above embodiment, when the completion button is selected and it is determined that the input is finished (in the case of “YES” in step S6-11), the terminal control unit 11 of the mobile terminal 10 determines whether there is a missing document. This determination process is executed (step S6-12). If it is determined that there is a missing document (in the case of “YES” in step S6-12), the terminal control unit 11 of the mobile terminal 10 executes an alerting process for the missing document (step S6-14). Thereby, the person in charge of public relations can prevent forgetting to collect the documents necessary for the transaction.

  (14) In the above embodiment, the terminal control unit 11 of the mobile terminal 10 performs a determination process as to whether or not there is a previously confirmed document (step S6-6). If there is a previously confirmed document (“YES” in step S6-6), the terminal control unit 11 of the mobile terminal 10 executes a process for setting confirmed information in the collection document list (step S6-7). . As a result, the documents whose contents have already been confirmed in the previous visit can be efficiently collected in consideration of the confirmation status.

In addition, you may change the said embodiment into the following aspects.
In the above embodiment, the terminal control unit 11 of the mobile terminal 10 executes the user authentication process (Step S1-1), the customer and visit purpose specifying process (Step S1-2). As a result, the person in charge of public relations, the customer, and the purpose of the visit are specified. Instead of this, it is also possible to specify the person in charge of foreign relations, the customer, and the purpose of the visit using a schedule management system in which the visit schedule of the person in charge of foreign relations is registered. In this case, the schedule of each liaison officer at the current time is acquired from the schedule management system, and the liaison officer, customer, and purpose of visit are specified in this schedule.

  In the above-described embodiment, the terminal control unit 11 of the mobile terminal 10 performs a publicity start notification process (step S1-12). The timing of notification to the supporter is not limited to this. For example, in the portable terminal 10, when a support request operation is performed by a person in charge of external affairs, a notification may be given to the supporter. Specifically, when a person in charge of external affairs determines that support is necessary, the mobile terminal 10 inputs a support request. In this case, the mobile terminal 10 and the external support server 20 perform notification processing to the supporter. In particular, when a support request is input by a person in charge of external affairs, notification is given with a higher priority. Thereby, priority support can be requested | required with respect to a supporter.

  In the above embodiment, the server control unit 21 of the public relations support server 20 executes a support necessity level determination process (step S2-2). Instead of this, the terminal control unit 11 of the mobile terminal 10 may execute the support necessity determination process. In this case, a support control information storage unit 25 is provided in the mobile terminal 10. If it is determined that support is required (“YES” in step S2-3), the terminal control unit 11 of the mobile terminal 10 transmits a support request to the external support server 20. In this case, the server control unit 21 of the public relations support server 20 executes the processes after step S2-4.

  In the embodiment described above, the server control unit 21 of the external support server 20 executes the voice message acquisition process (step S2-10) of the supporter and the voice recognition process (step S2-11) of the message. Then, the server control unit 21 of the external support server 20 executes message output processing on the mobile terminal (step S2-12). In addition to this, it is also possible to use text input with a keyboard when creating a message for a foreign affairs representative. Further, a fixed pattern registered in advance may be used. In this case, the external support server 20 records a fixed pattern for the support message. Then, the supporter acquires a fixed pattern from the external support server 20 at the client terminal 30, and designates a desired pattern as a message. Thereby, a message can be transmitted efficiently.

  In the above embodiment, the terminal control unit 11 of the mobile terminal 10 performs a determination process as to whether or not the person in charge is within the discretion range (step S3-5). Here, the discretionary range for interest rates is determined. The discretion is not limited to interest rates. It may be determined whether the repayment conditions (repayment period, number of repayments, repayment method), collateral conditions, etc. are within the discretionary range. In this case, the determination is made using the repayment condition range and the collateral condition range recorded in the product content data area of the product management record 160 of the product management information storage unit 16.

  In the above-described embodiment, in the pre-visit document confirmation process, the terminal control unit 11 of the mobile terminal 10 executes the brought-in document deletion process (step S5-4). Further, in the confirmation of the provided document, the terminal control unit 11 of the mobile terminal 10 executes the provided document erasure process (step S6-4). Here, a code image in which the document type is coded on the provided document may be printed, and the code image may be read to specify the provided document type and erased. In this case, the portable terminal 10 is provided with photographing means such as a scanner.

  Further, the terminal control unit 11 of the mobile terminal 10 executes a collection document selection process (step S6-8). In this case, the type of recovered document may be specified by character recognition of characters described in the recovered document or reading of a code image. Accordingly, it is possible to efficiently erase the provided document and the collected document while suppressing the mistake in selecting the document type by manual input.

  In addition, the terminal control unit 11 of the mobile terminal 10 may perform character recognition on characters written in the collected document and execute a confirmation item output process (step S6-9) in the collected document. In this case, the terminal control unit 11 specifies the document type, the description item, and the description content using the character recognized character, and temporarily stores it in the memory. Then, the terminal control unit 11 extracts the product management record 160 of the specified document type from the product management information storage unit 16. Next, the terminal control unit 11 outputs a confirmation information recognition character to be necessary to the touch panel display 10a when the description item recognized by the character is recorded as a caution item in the confirmation item data area of the product management record 160. To do.

  Further, the characters described in the collected documents may be recognized, and the output process (step S6-10) of the consistency confirmation items between the collected documents may be executed. In this case, the caution item recorded in the confirmation item data area of the character-recognized document type product management record 160 is specified. Then, the terminal control unit 11 temporarily stores in the memory the description contents of the caution items recorded in the merchandise management record 160 in association with the character-recognized document type. Then, the terminal control unit 11 specifies the description contents described in other documents temporarily stored in the memory for the consistency confirmation item between the collected documents based on the document type and the items requiring attention. Compare the description of. And the terminal control part 11 displays the confirmation result about the consistency of consistency mismatch on the touch panel display 10a based on a comparison result. Thereby, it is possible to efficiently collect the collected documents while suppressing erroneous descriptions and inconsistencies in the descriptions.

  In the above embodiment, the terminal control unit 11 of the mobile terminal 10 executes the confirmation item output process in the collected document (step S6-9). Here, the seal imprinted on the collected document may be confirmed. In this case, the customer seal image data corresponding to the customer code is encrypted and a password is set and stored in the mobile terminal 10 before the visit. Then, at the time of document confirmation, the image data of the seal imprint is decrypted and displayed on the touch panel display 10 a of the mobile terminal 10 by inputting a password. Then, the terminal control unit 11 of the mobile terminal 10 erases the image data after the confirmation of the seal impression. Thereby, the presence or absence of a seal stamp can be confirmed at the visited site.

  In each of the above embodiments, the mobile terminal 10 performs visit processing and loan support processing. The hardware for executing this process is not limited to the portable terminal 10 and may be executed in the external support server 20. In this case, various information input in the mobile terminal 10 is transmitted to the external support server 20 by wireless communication. Thereby, the processing load of the portable terminal 10 can be reduced.

  DESCRIPTION OF SYMBOLS 10 ... Portable terminal, 10a ... Touch panel display, 10b ... Wireless communication part, 10c ... Actual condition acquisition part, 11 ... Terminal control part, 111 ... Support management means, 112 ... Loan support means, 113 ... Revenue prediction means, 114 ... Repayment prediction Means 115: Document confirmation means 12 ... User management information storage unit 13 ... Customer management information storage unit 14 ... Support necessity determination information storage unit 15 ... Guidance information storage unit 16 ... Product management information storage unit DESCRIPTION OF SYMBOLS 17 ... Document management information storage part, 18 ... Merchandise material information storage part, 20 ... External relations support server, 21 ... Server control part, 211 ... Supporter contact means, 212 ... Terminal control means, 213 ... Actual condition transfer means, 214 ... Voice Recognizing means, 215 ... message transfer means, 216 ... examination support means, 22 ... user management information storage section, 23 ... customer management information storage section, 24 ... terminal management information storage , 25 ... support control information storage unit, 26 ... necessary document information storage unit, 27 ... transaction management information storage unit 30, 40 ... client terminal, 50 ... printer.

Claims (7)

Input means and output means;
A document management information storage means for recording information relating to the document type of the collected document to be collected from the customer in association with the customer identifier;
A communication support terminal used by a person in charge of the visitor, comprising a control means connected to the external support server,
The control means is
Means for acquiring the collected document information necessary for the transaction conducted with the customer from the external support server and recording it in the document management information storage means in association with the customer identifier;
Means for obtaining a customer identifier of the visited place from the input means;
Means for specifying the document type of the collected document associated with the customer identifier using the document management information storage means;
Means for recording, in the document management information storage means, the consumption information of the collected documents in association with the document type, when the document type of the collected documents collected from the visited customer is input to the input means;
A foreign relations support terminal, comprising: a means for outputting a consumption state of a collected document to the output means, and a means for alerting if there is a shortage document that has not yet been erased. In the document management information storage means, necessary confirmation information is recorded in association with the document type,
2. The external support terminal according to claim 1, further comprising means for outputting confirmation information on the document type to the output unit when the control unit specifies the document type of the collected document. Item information that should be consistent among multiple collection documents is recorded,
When the control means obtains the document type of the collected document, and if the document type for which the application information of the collected document is already recorded is recorded, the already collected document type and the newly collected document are collected. The external support terminal according to claim 1 or 2, further comprising means for outputting item information including a document type to the output means.   The control means identifies a document type based on an image obtained by photographing the collected document, and deletes the collected document based on the document type. The described foreign exchange support terminal. The control means is
Means for acquiring information on the document type of the provision document to be provided to the customer in the transaction with the customer from the external support server and recording it in the document management information storage means in association with the customer identifier;
Means for obtaining a customer identifier of the visited place from the input means;
Means for identifying a provision document associated with the customer identifier using the document management information storage means;
Means for recording, in the document management information storage means, the consumption information of the provision document in association with the document type, when the document type of the provision document to be provided to the visited customer is input to the input means;
5. The apparatus according to claim 1, further comprising a means for outputting a state of erasing the provided document to the output unit, and alerting if there is a missing document that has not yet been erased. External support terminal described in 1. Input means and output means;
A document management information storage means for recording information relating to the document type of the collected document to be collected from the customer in association with the customer identifier;
And a control means connected to the external support server, and a method for supporting external activities using the external support terminal used by the visitor,
The control means is
Acquiring the collected document information necessary for the transaction conducted with the customer from the external support server and recording it in the document management information storage means in association with the customer identifier;
Obtaining a customer identifier of the visited site from the input means;
Using the document management information storage means to specify the document type of the collected document associated with the customer identifier;
When the document type of the collected document collected from the visited customer is input to the input means, it is erased by recording the erased information of the collected document in the document management information storage means in association with the document type. And the stage
Outputting the recovery status of the collected documents to the output means;
A foreign relations support method characterized by executing an alerting step when there is a shortage document that has not yet been erased in the consumption situation. Input means and output means;
A document management information storage means for recording information relating to the document type of the collected document to be collected from the customer in association with the customer identifier;
And a control means connected to a liaison support server, and a program that supports liaison activities using a liaison support terminal used by a visitor,
The control means;
Means for acquiring information on collection documents necessary for transactions conducted with a customer from the external support server and recording it in the document management information storage means in association with a customer identifier;
Means for obtaining a customer identifier of the visited place from the input means;
Means for identifying the document type of the collected document associated with the customer identifier using the document management information storage means;
Means for recording, in the document management information storage means, the consumption information of the collected documents in association with the document type when the document type of the collected documents collected from the visited customer is input to the input means;
Means for outputting to the output means the consumption status of the collected documents;
A foreign relations support program that functions as a means to alert if there are missing documents that have not been erased yet.

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