JP2015018544A - Financing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financing system using a smart phone for applying for financing to a financial institute such as a bank by using a smart phone, and for quickly performing examination, and for determining the propriety of financing in a short time.SOLUTION: A financing system for examining financing in response to the application of financing from a customer includes: first examination means 1 for performing preliminary examination in response to the application of financing; second examination means 2 for examining the creditability of the customer who has applied for financing approved by the first examination; third examination means 3 for performing the principal confirmation of the customer approved by the second examination; contract means 4 for making the financing contract with the customer approved by the third examination; and financing execution means 5 for executing financing to the customer who has made the contract by the contract means.

Description

  The present invention relates to a loan system that examines a loan application using a smartphone or the like in a short time and quickly determines whether or not the loan is appropriate.

  Today, an individual customer operates an ATM (Automated-TellerMachine) or uses the Internet to easily access a bank or other financial institution to check an account. . Furthermore, it is possible to apply for loans using ATMs or the Internet. For example, Patent Document 1 discloses applying for a loan using a mobile terminal or a personal computer.

JP 2010-165154 A

However, the invention according to Patent Document 1 described above is not performed directly by a bank or other financial institution when applying for and selling a product such as a loan but using a mediation system on a network. There are also no specific disclosures regarding loan applications and sales systems.
In addition, conventional loan procedures by financial institutions required time for examination and were unable to receive prompt loans.

  Therefore, the present invention provides a loan system that uses a smartphone or the like to apply for a loan to a financial institution such as a bank, examines the loan in a short time, and promptly determines whether or not the loan is appropriate.

  According to the present invention, there is provided a first examination means for conducting a preliminary examination on a loan application, and a second examination for examining the creditworthiness of a customer who has applied for a loan approved by the first examination. Review means, third review means for verifying the identity of a customer who has been approved by the second review, contract means for making a loan contract with a customer who has been approved by the third review, This can be achieved by providing a loan system having a loan execution means for executing a loan for a customer contracted by the contract means.

  Moreover, the said customer can achieve by applying the said loan using a smart phone, and providing the loan system by which the said approval information is transmitted to this smart phone.

  In addition, according to the present invention, there is provided a first examination for conducting a preliminary examination for a loan application, and a first examination for examining the creditworthiness of a customer who has applied for a loan approved by the first examination. 2, a third examination for verifying the identity of the customer approved by the second examination, a contract processing for making a loan contract with the customer approved by the third examination, and the contract This can be achieved by providing a loan execution process for executing a loan for a customer contracted by the process.

  According to the present invention, a loan application from a customer is automatically examined, the result of the loan can be notified to the customer in a short time, and the loan required by the customer can be executed more quickly. In addition, it is possible to apply for a loan using a mobile device such as a smartphone carried by many people today, and this is a convenient loan system for customers.

It is a system block diagram of the loan system using a smart phone. It is a block diagram which shows the concrete structure of a 1st examination part thru | or 3rd examination part, a contract part, and a loan execution part. It is a figure explaining the data structure of a database. It is a flowchart explaining the process of this invention. It is a schematic diagram explaining the process of this invention. It is a system configuration figure explaining an additional function of a 2nd embodiment. It is a functional block diagram of a 2nd embodiment. It is a figure explaining 2nd Embodiment using a smart phone. It is a system configuration figure explaining an additional function of a 3rd embodiment. It is a figure explaining the specific process of 3rd Embodiment. It is a system block diagram of the loan system using the smart phone of 4th Embodiment. It is a figure explaining the specific process of the 3rd, 4th examination part, contract part, and loan execution part of 4th Embodiment. (A) is a system block diagram of the loan system using the smart phone of 5th Embodiment, is a block diagram explaining the example which does not use a 2nd examination part, (b) is the specific process FIG. (A) is a system block diagram of the loan system using the smart phone of 5th Embodiment, is a block diagram explaining the example using a 2nd examination part, (b) is the specific process FIG. It is a system block diagram of the loan system using the smart phone of 6th Embodiment. It is a figure explaining the process of 6th Embodiment.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
(First embodiment)
FIG. 1 is a system configuration diagram of a financing system using a smartphone for explaining a first embodiment of the present invention. The loan system of this example includes a first screening unit 1, a second screening unit 2, a third screening unit 3, a contract unit 4, and a loan execution unit 5. The first screening unit 1 accepts a loan application from a customer and performs a preliminary screening, the second screening unit 2 reviews credit information for the customer who has applied, and the third screening unit 3 For customers who have passed one of the screenings, a personal screening such as enrollment confirmation will be conducted. Further, the contract unit 4 clears the examinations of the first to third examination units 1 to 3 and makes a loan contract with the customer whose loan is approved, and the loan execution unit 5 makes a contract with the contract unit 4. The loan is executed to the customer who has made it. For example, the loan amount is transferred to an account of a financial institution designated by the customer.

  FIG. 2 is a block diagram showing specific configurations of the first to third examination units 1 to 3, the contract unit 4, and the loan execution unit 5. The first examination unit 1 includes an application input unit 6, a reception completion mail issuing unit 7, a first determination unit 8, and a primary answer mail issuing unit 9.

  The application input unit 6 receives a loan application from a customer using a smartphone. This loan application can be made, for example, by inputting information designated for the application format. The application format can be acquired by, for example, photographing a QR code (registered trademark) in which a URL is incorporated with a camera attached to the smartphone.

  In response to the loan application from the customer, the reception completion mail issuing unit 7 sends a reception completion notification to the mail address of the customer. The customer's e-mail address is described in, for example, the application format, and a reception completion e-mail is transmitted to the customer who applied for based on this description.

  The 1st determination part 8 performs examination based on the information described in the application format from the customer. This examination is performed using a database (DB1 to DB3). FIG. 3 is a diagram for explaining the data structure of the database (DB1). As shown in the figure, storage areas for "application history information", "residual contract information", "residual customer information", and "examination history information" are provided for each customer, and a customer code "000001" for each customer, “000002”, “000003”,... Are assigned, and the first determination unit 8 searches the database (DB1) and examines, for example, duplicate applications.

The database (DB2) is a database constructed in a financial institution, and the database (DB3) is a database constructed outside the financial institution. Using these databases, for example, customer attribute information (zip code, Eliminate those who are not eligible for financing based on information that cannot be grasped from personal credit information (address, telephone number, etc.).
The primary response mail issuing unit 9 issues an email when there is no problem such as duplicate application in the first determination unit 8, and mails a preliminary examination result before the subsequent main examination. is there.

  Next, the second examination unit 2 includes a second determination unit 10 and a secondary answer mail issuing unit 11. The 2nd determination part 10 examines a customer's creditworthiness, for example, performs examination using external information.

  The secondary reply mail issuing unit 11 notifies the customer of the result of examination based on the external information by mail. This notification is displayed on the screen of the customer's smartphone, and the customer knows the result of the loan for which application was made by the notification. However, this notification is not a final result of the loan but a provisional approval. For example, the customer who has received the provisional approval transmits an identification document for use in the final examination.

  Next, the third examination unit 3 includes an identification document receiving unit 12, a third determination unit 13, and a tertiary response mail issuing unit 14. The identity verification document receiving unit 12 receives the identity verification document from the customer, and the third determination unit 13 performs identity verification based on the identity verification document and the application information described above. For example, enrollment confirmation and contract details are confirmed by telephone contact with the workplace.

  Further, the tertiary reply mail issuing unit 14 is an email for notifying the final approval of the loan after the tertiary determination, and is displayed on the screen of the customer's smartphone. The customer confirms the screen, and from this display screen, for example, by linking to a predetermined contract screen of a financial institution, the customer agrees to the contract conditions and designates the transfer destination.

The contract unit 4 includes a contract processing unit 15, which clears the screenings of the first to third screening units 1 to 3 and makes a loan contract with a customer whose loan is approved.
The loan execution unit 5 includes an information receiving unit 16 for specifying a transfer destination, a loan processing unit 17, and a card issuance processing unit 18. The information receiving unit 16 for transfer destination designation or the like receives the fact that the customer agrees with the contract conditions and the designation information for the transfer destination. Further, the loan processing unit 17 transfers the approved loan amount to the designated transfer destination. Further, the card issue processing unit 18 notifies the customer of the issue of the loan card and issues the card to the customer's address.

  In the financing system using the smartphone having the above-described configuration, the processing of this example will be specifically described below. FIG. 4 is a flowchart for explaining the processing of this example, and FIG. 5 is a schematic diagram for explaining the processing of this example. Hereinafter, description will be made with reference to both the drawings.

  A customer who desires a loan from a financial institution first operates a smartphone, displays an application format on a screen, and writes information necessary for application. Then, a transmission key displayed on the screen is operated to apply for a loan to a financial institution (step (hereinafter referred to as ST) 1).

  Upon confirming the loan application transmitted from the customer (ST2), the financial institution server sends a reception completion notification to the customer's mail address (ST3), and notifies the customer of the receipt of the loan application. In addition, when there is a defect such as omission in the application information, the customer inputs the defect information (ST4).

  Next, the application information is examined (determined) by the first determining unit 8 (ST5 to ST7). This examination is performed using the aforementioned databases (DB1 to DB3). First, an examination is performed using the database (DB1) (ST5). As described above, “application history information”, “residual contract information”, “residual customer information”, and “examination history information” are stored for each customer in the database (DB1), for example, “application history information”. And “remaining contract information” is used to determine whether there is a duplicate application from the customer. In addition, the “residual customer information” is used for name identification to eliminate those who are not eligible for financing.

  Further, the applicant's corresponding destination is checked using the database (DB2) (ST6), and further the address of the applicant is checked using the database (DB3) (ST7). These reviews will eliminate fraudulent applications.

Next, the result of the examination is taken into the server (ST8), the result of the preliminary examination is transmitted to the customer's smartphone by the primary response mail issuing unit 9 (ST9), and the examination result is displayed on the screen (ST10). The customer confirms this indication and knows the result of the preliminary examination.
The examination result is stored in the customer number database as a customer information file together with the automatically created customer number (ST11).

  Next, the second determination unit 10 of the second examination unit 2 examines the customer's creditworthiness (ST12). As described above, this screening is performed using external information, for example. For this reason, customer information is transmitted via a communication line, and examination is performed using a database of external information. This database stores personal credit information collected by the institution, which is used to examine the creditworthiness of loan applicants.

  The secondary reply mail issuing unit 11 notifies the customer of the examination result by mail (ST13). This examination result is displayed on the screen of the customer's smartphone, and the customer confirms the examination result by looking at the screen (ST14).

  Next, when the examination result is provisional approval of the loan, the customer uploads a confirmation document (ST15), the server downloads the confirmation document (ST16), and performs a final examination based on this document (ST16). ST17). As described above, this examination is confirmation of the identity, for example, confirmation of enrollment by telephone and confirmation of the details of the loan to the identity.

  If the identity verification is completed by this examination and there is no problem with the loan, a loan approval mail is transmitted to the customer's smartphone (ST18). On the other hand, if the loan cannot be financed by the examination, a rejection notice is transmitted to the customer's smartphone (ST19). This notification is displayed on the screen of the smartphone (ST20), and the customer who has received the loan approval notification confirms the details of the loan and transmits information such as the transfer destination to the server (ST21).

On the server side, the contract processing unit 15 performs contract processing (ST22), and makes a loan execution request (ST23). The loan execution unit 5 executes the loan to the account designated by the customer (ST24). Further, the card issuance processing unit 18 issues a card issuance notification to the customer (ST25) and sends out the card (ST26).
As described above, according to this example, the application for the loan from the customer is automatically examined, the result of the loan can be notified to the customer in a short time, and the loan required by the customer is executed more quickly. be able to. For example, in the case of this example, as shown in FIG. 5, it is 1 minute until the primary answer is transmitted to the smartphone from the application for the loan, and for example, 5 minutes until the secondary answer is received. For example, the examination is completed in 10 minutes.

  In addition, it is possible to apply for a loan using a smartphone that many people carry today, and at each stage of the review, the review results are notified to the smartphone that the customer always carries, and the customer can review the review results in real time. It can be known and can be a very convenient loan system.

In the description of this example, a smartphone has been described as a mobile terminal. However, the present invention is not limited to a smartphone. The same applies to a case where a loan application is made using another type of mobile phone or a mobile terminal such as a PDS. be able to.
Further, the database (DB) used in the examination of this example is not limited to the database described above, but may be other types of storage means that do not contradict the spirit of the present invention.

(Second Embodiment)
Next, a second embodiment of the present invention will be described.
In the loan system of this example, in the contract unit 4 described above, various contract functions are added in addition to the loan contract. For example, a savings account opening function, a credit card function, an automatic internet banking contract function, and a group credit life insurance participation function are added. The configurations other than the contract unit 4, that is, the configurations of the first screening unit 1, the second screening unit 2, the third screening unit 3, and the loan execution unit 5 are the same as those in the first embodiment. The description on the configuration is omitted.

  FIG. 6 is a diagram for explaining an additional function of the contract unit 4 in this example. The contract section 4 includes additional contract sections 4a to 4d. For example, the additional contract section 4a has a savings account opening function, the additional contract section 4b has a credit card additional function, and the additional contract section 4c has It has an internet banking contract function, and the additional contract section 4d has a group credit life insurance subscription function. FIG. 7 is a functional block diagram of the contract unit 4 (contract processing unit 15) for explaining the above functions. This will be specifically described below.

  Similar to the processing of the first embodiment described above, first, a smartphone is operated to apply for a loan to a financial institution, and application information is examined (determined) by the first determination unit 8, and duplicate applications and loans are made. Unqualified people are eliminated. After that, the customer's creditworthiness is examined by the second examination unit 2, and the identity is further confirmed by the third examination unit 3. If there is no problem with the loan, a loan approval email is sent to the customer's smartphone. Is done.

  This notification is displayed on the screen of the smartphone as described above, receives information such as the transfer destination from the customer who confirmed the display, and the loan contract is made by the contract unit 4 (contract processing unit 15). In this example, each additional function described above is added by the additional contract sections 4a to 4d during the contract processing. For example, if the customer wishes to open a savings account at the same time, the account number of the customer is set by the savings account opening function of the additional contract unit 4a shown in FIG. )reference).

  When the customer desires to add a credit card function to the loan card at the same time as the loan contract, the credit card function can be added by the additional contract unit 4b (see FIG. 8B). In addition, by giving a credit card number in advance, even online shopping can be performed even before the card reaches the customer.

  In addition, if the customer desires, an internet banking contract can be made simultaneously with the above contract. In this case, the additional contract unit 4c can add an internet banking function using the aforementioned loan application information and contract information. For example, it can be used for various bank transactions using a savings account or a card loan account as a key (see FIG. 8C).

  Furthermore, in this example, it is also possible to join group credit life insurance at the time of the contract. For example, it is possible to join group credit life insurance such as consumer credit group life insurance by the additional contract section 4d. In this case, a life insurance function can be added to the loan contract by, for example, announcing previously designated physical information (see FIG. 8D).

  As described above, according to this example, simultaneously with the loan contract described in the first embodiment, a savings account is opened, a credit card function is added, an Internet banking contract is set, and further, group credit life insurance is used. You can join. Therefore, the procedures can be completed more quickly than when these procedures are performed individually. Moreover, by performing these procedures simultaneously, the procedure can be simplified and the burden on the user can be reduced.

(Third embodiment)
Next, a third embodiment of the present invention will be described.
This example is a process performed in the contract unit 4 and the loan execution unit 5 described above, and has a configuration in which an automatic confirmation function of a transfer loan account and a re-identification function are added. Using the service of an external organization that can accept direct debits on the net, an automatic confirmation function of the transfer loan account and a re-identification function are added.

  FIG. 9 is a diagram for explaining the configuration of the contract unit 4 and the loan execution unit 5 of this example. The contract unit 3 is connected to an external organization 20 capable of accepting account transfer on the net via a network. In addition, as described above, the contract agreement from the customer and the transfer destination designation information 21 are input to the contract unit 3, and a loan contract is made by the contract processing unit 15. As described above, the loan execution unit 5 includes an information receiving unit 16, a loan processing unit 17, and a card issuing unit 18. The information receiving unit 16 receives information such as a transfer destination designation from a customer, and the loan processing unit 17 The credit amount is transferred to the bank account number designated by the customer, and the card issuing unit 18 issues the card to the customer.

  FIG. 10 is a diagram for explaining the specific processing of this example. When the customer applies for the transfer service, the loan processing unit 17 is provided with information 23 such as a financial institution name, a store name, an account number, an account holder, etc. from the customer. Information (data) cooperation is performed with the external organization 20 that can be accepted. Then, confirmation of the account number, identity verification, account transfer registration, and the like are executed, and if the confirmation at the external organization 20 is completed normally, for example, identity confirmation data is fed back 24.

  By performing the above process, it is possible to confirm that the account of the customer who has made the loan contract described in the first embodiment exists in another financial institution, and substantially verify the identity again. As the repayment account, a previously set saving account can be used.

(Fourth embodiment)
Next, a fourth embodiment of the present invention will be described.
FIG. 11 is a system configuration diagram of a loan system using the smartphone of this example, and FIG. 12 is a diagram illustrating specific processes of the third examination unit 3, the contract unit 4, and the loan execution unit 5. This example is a configuration in which a function for quickly responding to a customer's increase application is added.

  For customers for whom a loan contract has been made based on the processing of the first embodiment, for example, a solicitation for an increase application is performed by the function of the sixth embodiment described later. If there is an increase application from a loan contractor who has received such a solicitation, or if there is a loan contractor or an increase application voluntarily regardless of whether there is a solicitation, a dedicated URL is included for the increase applicant Send an e-mail and have the materials sent (uploaded) electronically.

  This material is transmitted to the personal identification document receiving unit 12 of the third examination unit 3 as income confirmation material. The 3rd determination part 13 determines whether the increase loan based on the said income confirmation material is possible. Here, for example, when it is determined that an increased loan is possible, the tertiary response mail issuing unit 14 notifies the smartphone for the increase applicant from the examination result notification mail.

  The contract processing unit 14 changes the previous loan amount according to the examination result and performs contract processing for the increased loan, and the loan processing unit 17 transfers the increased loan amount to, for example, the savings account set by the above-described additional processing. . By processing in this way, even if there is an application for an increase loan using a smartphone from a customer, the increase process of the loan amount can be quickly performed using the loan system of this example.

(Fifth embodiment)
Next, a fifth embodiment of the present invention will be described.
In this example, when there is an application for a loan from an existing customer, it is confirmed whether or not a pre-credit line has been set, and if a pre-credit line has been set, a loan contract can be made with the credit line It is. FIG. 13A is a system configuration diagram of the loan system using the smartphone of this example, and after the processing by the first screening unit 1, the processing of the second and third screening units 2 and 3 is performed. A loan contract is made according to the pre-credit line that has been set up.

  FIG. 13B specifically shows the above processing. As before, operate the smartphone, display the application format on the screen, write the information required for the application, operate the send key displayed on the screen, and apply for a loan to the financial institution. The application input unit 6 accepts an application for a loan from a customer using a smartphone, and the reception completion mail issuing unit 7 notifies the customer mail address of the reception completion.

  Next, the first determination unit 8 performs an examination based on the information described in the application format from the customer, and in this example, the prior credit frame examination unit 26 further performs an examination. This examination is performed using an existing database. For example, it is examined whether or not the customer's prior credit limit has already been set in the database (DB1).

  Here, when the advance credit limit of the customer has already been set, the primary response mail issuing unit 9 sends the examination result to the customer's smartphone in order to set the loan using the credit limit. .

  Therefore, when a loan application is made, if the customer's prior credit limit has already been set, the contract processing unit 14 is immediately transferred to perform the contract processing, and the loan contract can be made extremely quickly. it can.

  The pre-credit line setting performed in advance is performed based on, for example, the age registered in the financial institution, the type of work, the number of families, transaction information, and the like.

  In addition, if you want a loan amount that exceeds the pre-credit line, the first credit screening unit 1 will examine the loan as shown in FIG. Further, the second examination unit 2 conducts examination. Note that the examination by the first and second examination units 1 and 2 shown in FIG. 14B is basically the same as that in the first embodiment described above, and a description of the specific processing is omitted. However, in this example, since the information registered in the financial institution, age, type of business, number of family members, etc. have been confirmed in the pre-credit line setting, identification verification by the third review section 3 is omitted. Is done.

As described above, according to this example, it is possible to make a loan contract very quickly by using the setting of the prior credit frame in the loan contract.

(Sixth embodiment)
Next, a sixth embodiment of the present invention will be described.
In this example, a behavior analysis is performed by acquiring location information of a smartphone used by a customer, and various services are added based on the analysis result. In particular, this example uses the GPS function that is usually installed on smartphones, specifies various customer actions by time and place at the time of loan application or after loan contract, and offers new contract solicitation services to non-contractors It is a configuration that offers a service for soliciting an increase to existing contractors. This will be specifically described below.

  FIG. 15 is a system configuration diagram of a loan system using the smartphone of this example. At the time of loan application, the customer's location information and time information are recorded in the database (DB4) at the time of the screening judgment performed by the second screening unit 2. This database (DB4) includes a database (DB4-1) for recording date and time information such as when applying for a loan, uploading an identity confirmation document, or agreement agreement, and a database (DB4-2) for recording location information at that time. ).

  On the other hand, the information on the service use period for the existing contractor after the loan application is recorded in the database (DB5). This database (DB5) also includes a database (DB5-1) for recording date and time information such as when a contractor uses a loan, a balance inquiry or an application for an increase, and a database (DB5-) for recording position information at that time. 2).

  Data is sequentially stored in the databases (DB4) and (DB5) by using the loan system having the above-described configuration and recording various actions of the customer by date and place at the time of loan application or after loan. Accordingly, the database (DB4) stores information on the location and date and time of the loan application, and based on this information, it can be estimated when and where the customer applies for the loan.

  An example is shown in FIG. For example, when a loan application is made at home in the middle of the night, it can be inferred that a loan application was made to purchase a product while watching midnight TV shopping at home. In addition, when a loan application is made in front of an ATM on a Sunday before the salary day, it can be assumed that, for example, the account balance is a little uneasy before the salary day and the loan application is made. Others are as shown in FIG.

  On the other hand, in the database (DB5), information on the service use period after the loan application is accumulated, and based on this information, it can be estimated when / where the customer used the service after the loan. For example, when a loan is used at a convenience store ATM on Monday afternoon, it can be presumed that it was wasted on a holiday and was used from a nearby convenience store ATM. In addition, when a balance inquiry is made at an office in the evening using internet banking, it can be inferred that, for example, a colleague is invited to a meal and the balance inquiry is made. In addition, if an application for an increase in frame is made on a Sunday before the salary in front of a bank ATM using a smartphone, etc., as a result of checking the balance, there is anxiety about living until the next salary, and an application for an increase is made. Can be guessed.

  The data accumulated in the above databases (DB4) and (DB5) is combined with information collected elsewhere, such as deposit contractor information, secured loan contractor information, and unsecured loan contractor information. Realize unique value by analyzing. For example, it provides unique values such as the screening criteria shown in the figure, customer service, effective mail delivery, off-store ATM strategy, time zone strategy, day of week abbreviation, and the like.

  Therefore, in this example, if there is a contractor in front of the bank ATM on Sunday before the salary date based on the above information, an email for an increase service is sent to the contractor's smartphone to encourage an increase application. In the evening work, if the contractor makes a balance inquiry by Internet banking, or if there is a contractor at a convenience store on Monday afternoon, an email is sent to encourage the use of the loan. By sending an e-mail to the contractor at such a timing, it becomes an effective e-mail prompting the contractor to apply for an increase or use the loan.

  For an unfinanced customer, for example, if there is a customer in front of the ATM on a Sunday before the salary day, an email for encouraging a loan application is transmitted to the customer's smartphone. By sending an e-mail to a non-contractor at such a timing, it becomes an effective e-mail prompting the non-contractor to apply for financing.

  As described above, according to this example, it is possible to provide a timely service to a customer by using the position information and time information of the customer's smartphone. In addition, it is possible to provide a service in consideration of the behavioral characteristics of the customer by performing analysis together with other information such as a strategy for each time zone and a schedule for each day of the week.

DESCRIPTION OF SYMBOLS 1 ... 1st examination part 2 ... 2nd examination part 3 ... 3rd examination part 4 ... Contract part 4a-4d ... Additional contract part 5 ... Loan execution part 6 ··· Application input unit 7 ··· Reception completion mail issuing unit 8 ··· First determination unit 9 ··· Primary answer mail issuing unit 10 ··· Second determination unit 11 ··· Secondary answer mail issuing unit 12 · · ·・ ・ Identification confirmation receiving part 13 ・ Third decision part 14 ・ Third answer mail issuing part 15 ・ Contract processing part 16 ・ Receiving part 17 such as transfer destination designation information ・ ・ Loan processing part 18 ・ ・ Card issuing process Department 20 ・ ・ External organization 21 ・ Contract agreement and transfer destination designation information 24 ・ Confirmation material feedback 26 ・ Preliminary credit limit examination department

Claims (19)

A first screening means for conducting a preliminary screening for a loan application;
A second examination means for examining the creditworthiness of the customer who applied for the loan approved by the first examination;
A third examination means for verifying the identity of the customer who has been approved by the second examination;
A contract means for making a loan contract with a customer approved by the third examination;
Loan execution means for executing a loan to a customer contracted by the contract means;
A loan system characterized by comprising:   The loan system according to claim 1, wherein the customer applies for the loan using a smartphone, and the approval information is transmitted to the smartphone.   The loan system according to claim 1 or 2, wherein the first examination unit examines the customer application history, the remaining contract, the remaining customer information, or the examination history in a short time.   The loan system according to claim 1, 2 or 3, wherein the first examination means conducts examination in a short time using internal and external databases of financial institutions.   5. The financing system according to claim 1, wherein the second examination unit conducts examination of the creditworthiness of the customer using stored data of external information.   6. The identity verification performed by the third examination means is performed based on the identity verification material, and the enrollment confirmation of the identity is performed based on the identity verification material. The loan system described. The first screening to conduct preliminary screening for loan applications;
A second examination for examining the creditworthiness of the customer who applied for the loan approved by the first examination;
A third examination for verifying the identity of the customer approved by the second examination;
Contract processing for making a loan contract with a customer approved by the third examination;
A loan execution process for executing a loan for a customer contracted by the contract process;
A financing method characterized by   The loan method according to claim 7, wherein the customer applies for the loan using a smartphone, and the approval information is transmitted to the smartphone. A program that examines loans for loan applications from customers,
A first screening process for performing preliminary screening on the loan application;
A second examination process for examining the creditworthiness of a customer who has applied for a loan approved by the first examination;
A third screening process for verifying the identity of the customer who has been approved by the second screening;
Contract processing for making a loan contract with a customer approved by the third examination;
A loan execution process for executing a loan for a customer contracted by the contract process;
A loan program that runs a computer.   The loan system according to claim 1, wherein the contract unit includes a contract function for various products in addition to the loan contract. The loan system according to claim 10, wherein the contract function of the various products is a function of opening a savings account.   The loan system according to claim 10, wherein the contract function of the various products is a credit card addition function.   The loan system according to claim 10, wherein the contract function of the various products is an Internet banking contract function.   The loan system according to claim 10, wherein the contract function of the various products is a group credit life insurance participation function.   The contract means comprises, in addition to the loan contract, an automatic confirmation function of a transfer loan account at the time of executing a loan and a second identity confirmation function. Or the loan system of 14.   Claims 1, 2, 3, 4, 5, 6, 10, 11, 12, 13, when an application for an increase is made by a customer, based on the customer's income confirmation document 14. The loan system according to 14 or 15.   It is determined whether or not a pre-credit line is set, and when the pre-credit line is set, the loan contract is made without performing the examination by the second and third examination means. Item 17. The financing system according to item 1, 2, 3, 4, 10, 11, 12, 13, 14, 15, or 16.   Obtaining customer location information based on the location information of the smartphone, recording it in a database together with date and time information to be obtained at the same time, inferring the customer's behavior pattern at the time of loan application based on the location information and date and time information, The loan system according to claim 2, wherein the application information is provided to a new customer.   Acquire customer location information based on the location information of the smartphone, record in the database together with the date and time information to be acquired at the same time, guess the behavior pattern of the customer after the loan application based on the location information and date and time information, increase The loan system according to claim 2, wherein loan information is provided to the customer.

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