JP2019036098A - Loan management device, loan method and program - Google Patents

Abstract

To provide technology that makes it possible to make loans quickly and properly.SOLUTION: A loan management device (30) communicates with a terminal (40) used by a customer and is owned by a person who finances the customer. The loan management device (30) comprises: an application processing unit (301) for acquiring from a storage device an account number of a customer registered in the storage device before the application is filed and the registered data of the customer when receiving a loan application from the customer, and receiving from a terminal a confirmation notification, wherein the confirmation notification indicates that the customer has confirmed that the registered data is his/her registered data by presenting the acquired registered data to the customer; a credit processing unit (302) for determining a credit limit by processing credit rating for the customer; and a loan processing unit (303) for transferring money within the range of the credit limit to an account with the customer's account number if the terminal receives the confirmation notification and a notification that the customer has agreed to a loan contract based on the loan limit.SELECTED DRAWING: Figure 6

Description

  The present invention relates to a loan management apparatus, a loan method, and a program.

  In a large-scale business-to-business transaction, a system capable of performing on-line settlement processing caused by use of a service or the like is introduced. In such a system, information such as an account used by each company is registered in the system in advance, and it is possible to perform a payment process based on service use at high speed. In addition, as a prior art regarding the payment process between companies, the technique of patent document 1 is mentioned, for example.

JP 2003-036410 PR

  For example, when a loan is provided between companies, since it is necessary to provide credit for the loan partner company, it takes a certain time until the loan is actually executed after receiving the application for the loan. On the other hand, if the lending company already has some transaction with the lending partner company, the lending company's system has information on the lending partner company, such as information on service usage records, the partner company account, Various information such as information on company attributes and registry data may be held. Therefore, if these information can be used when lending between companies, it will be possible to lend quickly and appropriately.

  Then, an object of this invention is to provide the technique which makes it possible to perform financing quickly and appropriately.

  The loan management device according to one aspect of the present invention is a loan management device owned by a person who provides a loan to the customer, communicating with a terminal used by the customer, and when receiving a loan application from the customer, Obtaining the customer's account number and the customer's registry data registered in the storage device before the application from the storage device, and presenting the acquired registry data to the customer, the registry An application processing unit that receives a confirmation notification from the terminal that the customer has confirmed that the data is registry data of the customer; a credit processing unit that determines a loan limit by crediting the customer; , When the confirmation notification and the notification that the customer has agreed to the loan contract based on the loan limit amount are received from the terminal, the credit limit amount is stored in the account of the customer account number. It has a loan processing unit transfer money money in 囲内, the. According to this aspect, since the customer's registry data is acquired and confirmed by the customer, the loan can be performed promptly and appropriately.

  In the above aspect, the storage device includes a first information processing device, or a first information processing device and a second information processing device, and the first information processing device and the second information processing device are The person who provides the customer with the loan, or the person who belongs to the same group as the person who provides the customer with the loan, directly or indirectly The application processing unit obtains customer registry data from the first information processing device, and obtains the customer account number from the first information processing device or the second information processing device. You may make it acquire from an information processing apparatus. According to this aspect, the customer's registry data and account number can be acquired from the other information processing apparatus, so that the loan can be made quickly.

  In the above aspect, the application processing unit acquires the account number input by the customer from the terminal, the account number acquired from the terminal, and the account number acquired from the first information processing apparatus or the second information processing apparatus. And the loan processing unit further determines that the account number acquired from the terminal and the account number acquired from the first information processing device or the second information processing device match. In addition, money may be transferred to the account of the customer's account number within the range of the loan limit. According to this aspect, since the loan is performed when the account number input by the customer matches the account number acquired from another information processing apparatus, it becomes possible to suppress unauthorized transactions. .

  In the above aspect, the credit processing unit is a transaction result data related to a transaction that the customer has made with the user of the customer in the past, and the sales estimated using the transaction result data already stored in the storage device The credit limit may be determined by performing credit based on the prediction data. According to this aspect, since there is no data of a research institution such as an external credit information institution, credit can be made using past transaction performance data of companies belonging to the same group, so that a loan can be made quickly. Is possible.

  In the above aspect, the credit processing unit updates the loan limit amount in advance by performing credit on the basis of the updated sales prediction data at a predetermined interval, and the application processing unit makes a request for notification of the credit result from the terminal. When received, information indicating the updated loan limit may be transmitted to the terminal. According to this aspect, since the credit processing is performed in the background in advance, it becomes possible to promptly notify the customer of the credit result at the time point requested by the customer.

  In the above aspect, a repayment account for accepting repayment of money lent to a customer may be assigned to each customer, and a repayment management unit that transmits information indicating the repayment account to the terminal. . According to this aspect, since the repayment account can be automatically assigned, the loan can be performed quickly.

  In the above aspect, the assigning unit may assign a plurality of virtual accounts for each customer as a repayment account. According to this aspect, since the customer can select and repay any one of the plurality of virtual accounts, the convenience of the customer can be improved.

  In the above aspect, the loan processing unit further transmits to the terminal a predetermined document that needs to be confirmed by the customer when executing the loan, and receives notification from the terminal that the customer has confirmed the contents of the predetermined document. In such a case, money may be transferred to the account of the customer's account number within the range of the loan limit. According to this aspect, the loan can be executed after receiving a notification that the customer has confirmed the contents of the predetermined document.

  A loan method according to an aspect of the present invention is a loan method performed by a loan management device owned by a person who provides a loan to the customer by communicating with a terminal used by the customer, and receives a loan application from the customer. The customer's account number registered in the storage device prior to the application and the customer's registry data are acquired from the storage device, and the acquired registry data is presented to the customer, Receiving a confirmation notification from the terminal that the customer has confirmed that the registry data is the customer's registry data; determining a loan limit by crediting the customer; When receiving the confirmation notification and the notification that the customer has agreed to the loan contract based on the loan limit amount from the terminal, the loan limit is stored in the account of the customer's account number. Including the steps of: transfer money the money within the scope of the forehead. According to this aspect, since the customer's registry data and account number can be acquired from another information processing apparatus, it becomes possible to perform financing quickly and appropriately.

  The program according to an aspect of the present invention is a program that communicates with a terminal used by a customer and that is executed by a computer owned by a person who lends to the customer, and receives a loan application from the customer. Obtaining the customer's account number and the customer's registry data registered in the storage device before the application from the storage device, and presenting the acquired registry data to the customer, the registry Receiving from the terminal a confirmation notification that the customer has confirmed that the data is registry data of the customer, determining a loan limit by crediting the customer, and from the terminal , When receiving the confirmation notice and the notice that the customer has agreed to the loan agreement based on the loan limit, the account of the customer's account number, Including the steps of: transfer money the money within the range of the serial lines of credit. According to this aspect, since the customer's registry data and account number can be acquired from another information processing apparatus, it becomes possible to perform financing quickly and appropriately.

  ADVANTAGE OF THE INVENTION According to this invention, this invention can provide the technique which makes it possible to perform financing quickly and appropriately.

It is a figure showing the whole loan system composition concerning this embodiment. It is a figure which shows an example of the hardware constitutions of a service provision apparatus, a customer management apparatus, and a loan management apparatus. It is a figure which shows an example of the hardware constitutions of a terminal. It is a figure which shows an example of a functional block structure of a service provision apparatus. It is a figure which shows an example of a functional block structure of a customer management apparatus. It is a figure which shows an example of a functional block structure of a loan management apparatus. It is a figure which shows an example of the functional block structure of a terminal. It is a figure which shows the specific example of transaction related information, customer management information, loan customer information, and loan information. It is a figure which shows an example of the process sequence which concerns on preparation for financing. It is a figure which shows an example of the process sequence at the time of a customer receiving financing initially. It is a figure which shows an example of the process sequence at the time of a customer receiving financing initially. It is a sequence diagram which shows the processing procedure regarding the real-time notification of a credit result and the loan after the 2nd time. It is a flowchart which shows an example of the process sequence regarding a repayment process.

  A preferred embodiment of the present invention will be described with reference to the accompanying drawings. In addition, in each figure, what attached | subjected the same code | symbol has the same or similar structure. In the following embodiments, description will be made on the assumption that a loan service is provided for corporate customers, but the present embodiment is not intended to be limited to this. For example, the present embodiment can be applied to a case where a loan service is provided for an individual customer.

<System configuration>
FIG. 1 is a diagram illustrating an overall configuration of a loan system according to the present embodiment. The loan system according to the present embodiment includes a service providing device 10, a customer management device 20, a loan management device 30, and a terminal 40 used by a customer. The service providing device 10, the customer management device 20, the loan management device 30, and the terminal 40 used by the customer are connected via a wireless or wired communication network N and can communicate with each other.

  In the following description, “customer” refers to a customer who already has a business relationship with a company having the loan system or another company belonging to the same group as the company, and has already used the service provided by the service providing apparatus 10. Assuming that

  The service providing apparatus 10 is an apparatus that provides various online BtoB (Business to Business) services. A plurality of service providing apparatuses 10 may exist in the present financing system. A customer can easily provide a service to a consumer or the like by using the service providing apparatus 10. Further, the service providing apparatus 10 holds, for each service, various pieces of information (account numbers and the like) related to customers, various transaction result data and transaction data related to services provided by customers to consumers and the like.

  The service provided by the service providing apparatus 10 is, for example, a service for managing hotel reservations for a customer who manages a hotel, or providing restaurant information and managing a reservation for a customer who operates a restaurant. This is a proxy service. The service providing apparatus 10 includes, as various transaction result data and transaction data, for example, sales data indicating sales obtained from consumers by a customer who manages a hotel, hotel reservation data (number of reservations, reservation amount, etc.), hotel The number of rooms and the average unit price per room are stored.

  The customer management device 20 is a device that collectively manages various types of information related to customers. The customer management device 20 manages, for example, the customer's company name, company location, representative name, company registry copy, and the like. Further, the customer management device 20 acquires transaction result data and transaction data from the service providing device 10, and assigns a score (score) for each customer based on calculation of future sales forecasts and a predetermined scale.

  The loan management device 30 is a device used by a company that provides loans to customers, and is executing various processes (credit, contract, loan, repayment, etc.) and loans for executing loans to customers. To manage customers.

  When the service providing apparatus 10, the customer management apparatus 20, and the loan management apparatus 30 are owned by the same company, the company that owns the loan management apparatus 30 manages the service providing apparatus 10 and the customer management apparatus 20 directly ( It can be said that it is an information processing device that can be supervised). On the other hand, when the service providing apparatus 10 and the customer management apparatus 20 are owned by another company belonging to the same group as the company that owns the loan management apparatus 30, the service providing apparatus 10 and the customer management apparatus 20 It can be said that this is an information processing apparatus that can be indirectly managed (supervised) by a company that owns the loan management apparatus 30. Companies belonging to the same group include companies that are directly or indirectly related, such as a parent company, a subsidiary, an affiliated company, an affiliated company, a company that has a parent-child relationship in capital, and a partner company.

  In the present embodiment, the customer management device 20 may be integrated with the service providing device 10. In this case, it can be said that the service providing apparatus 10 is an information processing apparatus that can be managed (supervised) directly or indirectly by a company that owns the loan management apparatus 30.

  The terminal 40 is a terminal used by a customer. In this embodiment, a customer employee or the like can receive a loan by operating the terminal 40 and communicating with the loan management apparatus 30. As the terminal 40, for example, any information processing apparatus having a communication function such as a personal computer (PC), a notebook PC, a smartphone, or a tablet terminal can be used.

  The service providing device 10, the customer management device 20, and the loan management device 30 are used to connect a CPU (Central Processing Unit) 11, a storage device 12 such as a memory, and a communication network N as shown in FIG. A communication IF (Interface) 13 is included. Further, as shown in FIG. 3, the terminal 40 includes a CPU 41, a storage device 42 such as a memory, a communication IF 43 used to connect to the communication network N, a camera 44, a microphone 45, a speaker 46, a display 47, and an input device 48. including. Note that the hardware configuration shown in FIG. 2 is merely an example, and a part of the hardware shown in FIG. 2 may be omitted.

  In the present embodiment, when the loan management device 30 receives a loan application from a customer via the terminal 40, the loan management device 30 makes a credit based on future sales predictions, scores, and the like held by the customer management device 20 regarding the customer. The amount that can be financed is determined by carrying out the loan, and the loan is made within the range of the loanable amount. In addition, the loan management device 30 has already submitted when the customer receives the service provided by the service providing device 10 among the documents and information to be submitted by the customer when receiving the loan application. Instead of re-submitting to the customer, it is obtained from the customer management device 20 or the service providing device 10.

<Functional block configuration>
FIG. 4 is a diagram illustrating an example of a functional block configuration of the service providing apparatus 10. The service providing apparatus 10 includes a service management unit 101 and a storage unit 102. The service management unit 101 can be realized by a process executed by the CPU 11 by a program stored in the storage device 12 of the service providing apparatus 10. The program can be stored in a recording medium. The recording medium storing the program may be a non-temporary recording medium. The non-temporary recording medium is not particularly limited, but may be a recording medium such as a CD-ROM or a USB memory. The storage unit 102 can be realized using the storage device 12.

  The service management unit 101 performs various processes related to services provided to the customer by the service providing apparatus 10 and various data management necessary for providing services.

  The storage unit 102 stores various information necessary for a transaction between a customer who uses a service provided by the service providing apparatus 10 and a company providing the loan system, and the customer is a user (for example, a consumer) of the customer. Etc.) and “transaction related information” for storing transaction performance data related to transactions conducted in the past, and in transactions conducted by the customer with the customer's user (for example, consumers, etc.) A “transaction DB” that stores data indicating a transaction (for example, reservation acceptance) exchanged with a customer user is stored.

  FIG. 5 is a diagram illustrating an example of a functional block configuration of the customer management device 20. The customer management device 20 includes a prediction processing unit 201, a customer management unit 202, and a storage unit 203. The prediction processing unit 201 and the customer management unit 202 can be realized by a process executed by the CPU 11 by a program stored in the storage device 12 of the customer management device 20. The program can be stored in a recording medium. The recording medium storing the program may be a non-temporary recording medium. The non-temporary recording medium is not particularly limited, but may be a recording medium such as a CD-ROM or a USB memory. The storage unit 203 can be realized using the storage device 12.

  The prediction processing unit 201 acquires transaction result data and transaction data from the service providing apparatus 10, calculates a future sales prediction based on the acquired transaction result data and transaction data, and also calculates a customer based on a predetermined scale. Each has a function of assigning a score (score). The score (score) may be, for example, a value indicating the customer's creditworthiness determined based on past transaction results.

  The customer management unit 202 has a function of acquiring and transmitting data from customer management information, a function of storing data in customer management information, and the like. The storage unit 203 stores “customer management information” that stores various types of customer-related information managed by the customer management device 20, sales forecasts and scores predicted by the prediction processing unit 201, and the like.

  FIG. 6 is a diagram illustrating an example of a functional block configuration of the loan management apparatus 30. The loan management apparatus 30 includes an application processing unit 301, a credit processing unit 302, a loan processing unit 303, a repayment management unit 304, and a storage unit 305. The application processing unit 301, the credit processing unit 302, the loan processing unit 303, and the repayment management unit 304 can be realized by processing executed by the CPU 11 by a program stored in the storage device 12 of the loan management device 30. it can. The program can be stored in a recording medium. The recording medium storing the program may be a non-temporary recording medium. The non-temporary recording medium is not particularly limited, but may be a recording medium such as a CD-ROM or a USB memory. The storage unit 305 can be realized using the storage device 12.

  The application processing unit 301 has a function of performing various processes necessary when receiving a loan application from a customer. For example, when receiving an application for a loan from a customer, the application processing unit 301 is submitted from the customer and registered in the storage device (the customer management device 20 or the service providing device 10 and the customer management device 20) before the application. Confirm that the customer has confirmed that the registry data is the customer's registry data by acquiring the customer's account number and customer's registry data and presenting the acquired registry data to the customer A notification is received from the terminal 40. Further, the application processing unit 301 may acquire customer registry data from the customer management device 20 and may acquire a customer account number from the customer management device 20 or the service providing device 10. The application processing unit 301 acquires the account number input by the customer from the terminal 40, and the account number acquired from the terminal 40 matches the account number acquired from the customer management device 20 or the service providing device 10. By determining whether to do so, the customer who has applied for the loan may be authenticated as to whether or not the customer already has a transaction.

  The credit processing unit 302 has a function of determining a loan limit by performing credit to a customer. Further, the credit processing unit 302 performs credit based on the “sales forecast data” estimated using the transaction result data already accumulated in the service providing apparatus 10 and the settlement information presented by the customer. A loan limit may be determined. Further, the credit processing unit 302 may determine the “estimated loan limit” by performing credit based on the sales prediction data. In this case, the application processing unit 301 may transmit, from the terminal 40, information indicating a guideline for the loan limit amount to the terminal 40 before accepting the loan amount desired by the customer.

  “Guideline for loan limit” means the upper limit of the amount that can be lent to customers, and “Loan limit” means the upper limit of the amount that can actually be loaned to customers . The credit processing unit 302 determines the loan limit amount using the sales forecast data, and determines whether the loan can be made up to the same amount as the loan limit amount using the settlement information, thereby determining the loan limit amount. It may be determined. More specifically, if the credit processing unit 302 determines that it is possible to finance up to the same amount as the loan limit, the credit processing unit 302 sets the loan limit as the loan limit and up to the same amount as the loan limit. If it is determined that the loan is impossible, the loan limit may be an amount determined to be loanable with an amount that is less than or equal to the loan limit standard. That is, in the present embodiment, the “loan limit amount” may be an amount equal to or less than the “loan limit amount guideline”.

  Further, the credit processing unit 302 may update the loan limit by repeating the process of obtaining the sales forecast data updated by the customer management apparatus 20 and performing credit at a predetermined interval. In this case, when the application processing unit 301 receives a notification request for the latest credit result from the terminal 40, the application processing unit 301 may transmit information indicating the credit limit updated by the credit processing unit 302 to the terminal 40. Good.

  The loan processing unit 303 has a function of performing various processes necessary when actually making a loan to a customer. For example, the loan processing unit 303 confirms from the terminal 40 that the customer has confirmed that the registry data is the customer's registry data and a notification that the customer has agreed to a loan contract based on the loan limit. In the case where it is received, a function of transferring money to the account of the customer's account number acquired by the application processing unit 301 within the range of the loan limit amount is provided. If the loan request amount exceeds the loan limit, the loan processing unit 303 may transfer money within the range of the loan limit, or prompt the terminal 40 to review the loan request amount. May be notified.

  Further, the loan processing unit 303 determines that the application processing unit 301 determines that the account number acquired from the terminal 40 matches the account number acquired from the customer management device 20 or the service providing device 10. You may make it transfer money to the account of a number within the limits of loan limit.

  In addition, the loan processing unit 303 further transmits a predetermined document that needs to be confirmed by the customer when executing the loan to the terminal 40, and notifies the terminal 40 that the customer has confirmed the content of the predetermined document. When received, money may be transferred into the account of the customer's account number within the range of the loan limit.

  The repayment management unit 304 has a function of performing various processes related to repayment of money that has been financed. For example, the repayment management unit 304 performs an operation to erase the amount of money repaid in the repayment account from the loaned amount. In addition, the repayment management unit 304 performs a process of assigning, for each customer, a repayment account that accepts repayment of money lent to the customer. The repayment management unit 304 transmits information indicating the assigned repayment account to the terminal 40. Repayment management unit 304 may assign a plurality of virtual accounts for each customer as a repayment account.

  The storage unit 305 stores “loan customer information” for storing information related to customers who make loans and “loan information” for managing executed loans for each case.

  FIG. 7 is a diagram illustrating an example of a functional block configuration of the terminal 40. The terminal 40 includes a communication unit 400, an input unit 401, and a display unit 402. The communication unit 400, the input unit 401, and the display unit 402 can be realized by processing executed by the CPU 41 by a program stored in the storage device 42 of the terminal 40. The program can be stored in a recording medium. The recording medium storing the program may be a non-temporary recording medium. The non-temporary recording medium is not particularly limited, but may be a recording medium such as a CD-ROM or a USB memory.

  The communication unit 400 has a function of communicating with the service providing device 10, the customer management device 20, and the loan management device 30 via the communication network N. The communication unit 400 may be divided into a transmission unit that transmits signals and a reception unit that receives signals.

  The input unit 401 has a function of accepting various inputs via the input device 48. The display unit 402 has a function of displaying various information via the display 47. The display unit 402 may have a Web browser function.

  Next, specific examples of transaction related information, customer management information, loan customer information, and loan information will be described. FIG. 8A is a diagram illustrating an example of transaction management information. “Customer ID / PASS” stores an ID and a password that uniquely identify the customer in the customer management device 20 and the service providing device 10. The “account number” stores the account number of the account used when the customer uses the service provided by the service providing apparatus 10. The “account number” may be stored in the customer management information instead of the transaction management device. In the “transaction record data”, various transaction record data relating to transactions performed by the customer with the user of the customer are stored.

  FIG. 8B is a diagram illustrating an example of customer management information. Since “customer ID / PASS” is the same as the transaction management information, description thereof is omitted. The “registry book image data” stores image data of a corporate register copy that is submitted in advance or acquired in advance when a customer uses a service provided by the service providing apparatus 10. In the “sales forecast data” and “score data”, data related to the sales forecast predicted by the forecast processing unit 201 and the score given by the forecast processing unit 201 are stored.

  FIG. 8C is a diagram illustrating an example of loan customer information. In the “loan customer ID / PASS”, an ID and a password for uniquely identifying a loan target customer are stored. The “account number” stores the account number of the loan destination account. The “account number” may be omitted. In this case, the loan management device 30 may make an inquiry to the service providing device 10 each time it wants to acquire the account number of the customer. In the “attribute information”, various information related to the customer input from the terminal 40 by the customer who applies for the loan is stored. A specific example of attribute information will be described later. The “registration book confirmation result” stores information indicating whether or not the customer has confirmed the corporate register. The case where “confirmed” is set will be described later.

  FIG. 8D is a diagram illustrating an example of loan information. The “customer ID for loan” stores the ID of the customer who made the loan. The “loan ID” stores an ID for identifying a loan for each contract. In the “loan amount” and “interest rate”, the loaned amount and the interest rate are stored. The “date of loan execution” stores the date on which the loan was made. The “repayment date” stores the date on which the loaned money should be repaid. The “repayment account number” stores the account number of the repayment account to which money is transferred when the customer makes the repayment.

<Processing procedure>
(Preparation of loan)
FIG. 9 is a diagram illustrating an example of a processing procedure related to preparation for financing. With the processing procedure shown in FIG. 9, an account for transferring money to be financed and a customer ID for financing are paid out to a customer who desires financing for the first time.

  First, the terminal 40 requests the loan management apparatus 30 to issue a loan customer ID in accordance with a customer instruction (S101). The request includes the customer ID / PASS, the account number, and the e-mail address that the customer inputs to the terminal 40. Here, the account number input by the customer is the account number of the account used when the customer uses the service provided by the service providing apparatus 10 described with reference to FIG.

  Subsequently, the application processing unit 301 of the loan management apparatus 30 requests the service providing apparatus 10 to notify the “account number” stored in the transaction related information of the service providing apparatus 10 (S102). Subsequently, the service management unit 101 of the service providing apparatus 10 notifies the loan management apparatus 30 of the “account number” stored in the transaction related information (S103). Subsequently, the application processing unit 301 of the loan management device 30 collates the account number acquired from the terminal 40 in step S101 with the account number acquired from the service providing device 10 in step S103 (S104). If these account numbers match, the process proceeds to step S105. If they do not match, a message that the account numbers do not match is transmitted to the terminal 40.

  The application processing unit 301 issues a loan customer ID / PASS to the customer and stores it in the loan customer information (S105). Here, the application processing unit 301 may store the account number confirmed to match in step S104 in the “account number” field of the loan customer information (S105). Subsequently, the application processing unit 301 transmits the issued loan customer ID / PASS included in the mail addressed to the mail address notified in step S101 (S106).

(First loan)
10 and 11 are diagrams illustrating an example of a processing procedure when a customer first receives a loan. Using FIG. 10 and FIG. 11, a processing procedure until a loan contract is concluded for the first time between the customer and the company that provides the loan and the loan stored in the “account number” of the loan customer information is performed will be described. To do.

  First, the terminal 40 transmits the loan customer ID / PASS input from the customer to the loan management apparatus 30 (S201). Subsequently, the application processing unit 301 of the loan management apparatus 30 performs authentication by comparing the loan customer ID / PASS received from the terminal 40 with the loan customer ID / PASS stored in the loan customer information. (S202). If the loan customer ID / PASS matches, the application processing unit 301 of the loan management apparatus 30 transmits a message requesting attribute information to the terminal 40 (S203). Subsequently, the input unit 401 of the terminal 40 receives input of attribute information from the customer (S204). Here, the attribute information is the customer's company name, company address, contact e-mail address, representative's name / address / date of birth, settlement information, image data of the representative's identity verification document (license, etc.) The name, address, date of birth, and presence / absence of PEPs (Politically Exposed Persons). Specifically, the settlement information includes five items of sales, operating profit, depreciation, interest-bearing debt, and net assets. The settlement information may be settlement information for the past two years.

  Subsequently, the communication unit 400 of the terminal 40 transmits the input attribute information to the loan management apparatus 30 and transmits a message requesting a registry image to the loan management apparatus 30 (S205). Subsequently, the application processing unit 301 of the loan management apparatus 30 stores the attribute information received in step S205 in the loan customer information (S206). The application processing unit 301 may prompt the manager of a company having the loan system to confirm the contents of the attribute information.

  Subsequently, the application processing unit 301 of the loan management device 30 transmits a message requesting a registry image to the customer management device 20 (S207). In addition, since the customer management apparatus 20 does not grasp the customer ID for financing, the application processing unit 301 transmits the message requesting the registration image including the customer ID. Subsequently, the customer management unit 202 of the customer management device 20 searches the registry image data corresponding to the customer ID notified in step S207 from the customer management information, and transmits it to the loan management device 30 (S208). The application processing unit 301 of the loan management apparatus 30 transmits the registry image data to the terminal 40 (S209).

  Subsequently, the display unit 402 of the terminal 40 displays the received registry image data on the screen, and prompts the customer to confirm whether or not the registry image data is the corporate registry of the customer's company ( S210). Further, the input unit 401 of the terminal 40 receives an input of a confirmation result as to whether or not the registry image data is a corporate registry of the customer company (S210). The communication unit 400 of the terminal 40 transmits the confirmation result received in step S210 to the loan management apparatus 30 (S211).

  Subsequently, in step S211, the application processing unit 301 of the loan management device 30 receives a confirmation result that the register image data is a corporate register of the customer's company, and the “registration confirmation result of the loan customer information”. "Confirmed" flag is registered (S212). On the other hand, when receiving a confirmation result that the registry image data is not a corporate registry of the customer's company, the application processing unit 301 of the loan management device 30 determines that the loan application cannot be received and ends the process. Alternatively, a message that prompts the customer to transmit scan data of the correct corporate registry may be transmitted to the terminal 40.

  Subsequently, the application processing unit 301 of the loan management apparatus 30 transmits a message requesting the desired borrowing amount to the terminal 40 (S213). The input unit 401 of the terminal 40 receives an input of the desired borrowing amount from the customer and transmits the desired borrowing amount to the loan management apparatus 30 (S214, S215).

  Subsequently, the application processing unit 301 of the loan management device 30 transmits transmission of information used for credit processing to the customer management device 20 (S216). The prediction processing unit 201 of the customer management device 20 requests the transaction providing data and the service transaction data from the service providing device 10 (S217). The service management unit 101 of the service providing apparatus 10 transmits the transaction record data stored in the transaction related information and the transaction data stored in the transaction DB to the customer management apparatus 20 (S218).

  Subsequently, the prediction processing unit 201 of the customer management device 20 assigns a score based on the calculation of the future sales forecast and a predetermined scale based on the transaction result data and the service transaction data (S219). The calculated sales forecast and the assigned score are stored in the customer management information. Note that the processing procedures in steps S217 to S219 may be performed regularly or at a predetermined timing between the customer management apparatus 20 and the service providing apparatus 10 regardless of whether or not there is a request from the loan management apparatus 30.

  Subsequently, the customer management unit 202 of the customer management device 20 transmits the sales prediction data and the score to the loan management device 30 as information used for credit processing (S220). Subsequently, the credit processing unit 302 of the customer management device 20 performs credit processing based on the sales forecast data, the settlement information, and the score, and determines a loan limit and an interest rate (S221). For example, the credit processing unit 302 determines the loan limit using all or a part of the five items included in the sales amount and the settlement information of the future customer assumed from the sales forecast data, and the customer score (customer's score). The interest rate applied to the customer may be determined based on (creditworthiness). For example, the credit processing unit 302 may apply a low interest rate to a customer with a high score (high creditworthiness) and apply a high interest rate to a customer with a low score (low creditworthiness). .

  Subsequently, the loan processing unit 303 of the customer management apparatus 20 notifies the terminal 40 of the credit result (S222). Credit results include loan limits and interest rates. When the loan limit amount is less than the desired borrowing amount, the loan processing unit 303 notifies the terminal 40 of a message for notifying the loan limit amount and prompting the review of the desired borrowing amount. In some cases, the terminal 40 may be notified of a message indicating that the loan can be made with the desired borrowing amount. Subsequently, the customer inputs an instruction to permit (agree) the loan contract on the screen of the terminal 40 (S223). The communication unit 400 of the terminal 40 notifies the loan management apparatus 30 that the loan contract has been granted (S224).

  Subsequently, the loan processing unit 303 of the loan management apparatus 30 inquires of the service providing apparatus 10 about the customer's account number (S225). The service providing apparatus 10 notifies the loan management apparatus 30 of the customer account number (S226). When the customer account number is stored in the “account number” of the loan customer information in the processing procedure of step S105 described above, the loan processing unit 303 acquires the customer account number from the “account number” of the loan customer information. You may make it do. In this case, the processing procedures of step S225 and step S226 are omitted. By omitting the processing procedures of step S225 and step S226, the communication amount between the loan management apparatus 30 and the service providing apparatus 10 can be reduced.

  Subsequently, the loan processing unit 303 of the loan management apparatus 30 creates (generates) a predetermined document to be presented to the customer when executing the loan (S227). The predetermined document includes a document (Article 16 document, Article 17 document) that needs to be delivered to a customer when executing a loan, a loan contract document that describes the details of the loan, and the like.

  Subsequently, the loan management device 30 repayment management unit 304 assigns a repayment account (S228). The repayment management unit 304 may allocate a repayment account for each customer (or for each customer and each loan contract). The repayment account to be allocated may be a virtual account. In addition, the repayment management unit 304 may assign a plurality of virtual accounts (for example, a virtual account for bank A, a virtual account for bank B, and a virtual account for bank C) for each customer (or for each customer and loan contract). . Up to three virtual accounts may be assigned to each customer.

  Subsequently, the loan processing unit 303 of the loan management apparatus 30 notifies the predetermined document, the account number of the loan destination (same as the account number notified or acquired in S226), and the account number of the repayment account. Is transmitted to the terminal 40 (S229). The display unit 402 of the terminal 40 displays the notified predetermined document and prompts the customer to confirm the document (S230). Then, the communication part 400 of the terminal 40 transmits the message which notifies that the customer confirmed the predetermined document to the loan management apparatus 30 (S231). When the loan processing unit 303 of the loan management device 30 receives a notification that the customer has confirmed a predetermined document, the loan processing unit 303 transfers the money of the desired amount of borrowing to the account of the loan destination, and provides various information regarding the executed loan. (S232). The loan processing unit 303 notifies the terminal 40 that the transfer has been completed. (S233).

(Real-time notification of credit results, second and subsequent loans)
FIG. 12 is a sequence diagram showing a processing procedure regarding real-time notification of credit results and second and subsequent loans.

  The loan management device 30, the customer management device 20, and the service providing device 10 perform the processing procedure of step S216 to step S221 in FIG. 11 on a regular basis (for example, every day) or not for the customer who made the initial loan. Regularly review (update) loan limits and interest rates for each customer. In addition, when the credit processing unit 302 reviews the loan limit amount and the interest rate in step S221, in addition to the transaction result data and the customer score received from the customer management device 20, the credit processing unit 302 at the present time and the past repayment In consideration of the situation, the loan limit and the interest rate may be determined. In addition, you may make it implement the process which performs the process sequence of step S216 thru | or step S221 regularly (for example, every day etc.) or irregularly only for a specific customer or a customer group. Further, instead of reviewing (updating) the loan limit amount and the interest rate, only the loan limit amount may be reviewed (updated), or only the interest rate may be reviewed (updated).

  The terminal 40 requests the loan management apparatus 30 to notify the current credit result based on the instruction from the customer (S310). The credit processing unit 302 of the loan management apparatus 30 notifies the terminal 40 of the revised loan limit and interest rate as the current credit result (S311). The display unit 402 of the terminal 40 displays the notified loan available amount and the interest rate on the screen (S312).

  When the customer desires an additional loan, the input unit 401 of the terminal 40 receives an input of the desired borrowing amount from the customer and transmits it to the loan management apparatus 30 (S320, S321). Thereafter, additional financing is executed by performing the same processing procedure as in steps S227 to S233.

  As described above, in the processing procedure described with reference to FIGS. 10 and 11, the processing procedure related to registration of attribute information (steps S203 to S206), the processing procedure related to confirmation of the registry image (steps S207 to S212), and borrowing The processing procedure (steps S213 to S215) relating to the input of the desired amount is not limited to the order shown in FIGS. 10 and 11, and may be performed in any order.

(Display indication of loan limit)
In the present embodiment, a guideline for the loan limit amount may be displayed on the screen of the terminal 10 before accepting an input of the desired loan amount from the customer. In order to realize such an operation, for example, between the processing procedure of step S212 and the processing procedure of step S213, the credit processing unit 302 makes a loan with the same processing procedure as the processing procedure from step S216 to step S220. In addition to the processing procedure for determining a guideline for the limit amount, in the processing procedure of step S213, the application processing unit 301 may transmit information indicating the guideline for the loan limit amount to the terminal 40.

  In the present embodiment, a screen that accepts both input of attribute information and desired borrowing amount may be prepared on the screen of the terminal 10, and a guideline for the loan limit amount may be displayed on the screen. In order to realize such an operation, for example, after authentication is permitted in the processing procedure in step S202, the credit processing unit 302 sets the credit limit amount in the same processing procedure as the processing procedure from step S216 to step S220. A processing procedure for determining a standard may be performed, and the processing procedures of steps S213 to S215 may be added to the processing procedures of steps S203 to S205, respectively.

  In the processing for displaying the guideline for the limit amount described above, the processing procedure of the original steps S216 to S220 may be left, or by deleting the processing procedure of the original steps S216 to S220, It is possible to prevent transmission and reception of duplicate signals among the loan management device 30, the customer management device 20, and the service providing device 10. Further, the processing procedure (step S207 to step S212) regarding the confirmation of the registry image may be performed in any order as long as no contradiction occurs in the processing.

(Repayment processing)
FIG. 13 is a flowchart illustrating an example of a processing procedure related to the repayment processing. The repayment management unit 304 performs, for example, the processing procedure illustrated in FIG. 13 periodically (for example, once a day) for each loan contract.

  First, the repayment management unit 304 confirms whether or not payment has been made to the repayment account (virtual account) assigned when the loan is made (S400). When a plurality of virtual accounts are assigned as repayment accounts, the repayment management unit 304 confirms whether or not payment has been performed for all of the plurality of virtual accounts. If payment has not been made (S400-NO), the repayment management unit 304 ends the process.

  If the deposit has been made (S400-YES), the repayment management unit 304 performs a loan amount cancellation process (S401). Specifically, the repayment management unit 304 determines that the repayment is completed when the deposit amount matches the repayment amount (a sum of the loan amount and the interest rate), and records a record related to the loan from the loan information. to erase. The repayment management unit 304 determines which loan contract the repayment transferred to the repayment account corresponds to by comparing the loan ID included in the transfer name with the “loan ID” of the loan information. You may make it do. In addition, when a different repayment account (virtual account) is allocated for each loan contract, the repayment management unit 304 transfers the payment to the repayment account by comparing the repayment account where the deposit is made and the “repayment account” of the loan information. You may make it determine which loan contract corresponds to the repayment received.

  According to the embodiment described above, the client management device 20 and the service providing device do not cause the customer to submit the copy of the registry book to be submitted from the customer when receiving the loan application or the account number of the loan destination. It was made to obtain from 10. This makes it possible to make a loan quickly and appropriately when making a loan to a customer. In addition, by reusing data such as documents and information in the loan system, it is possible to reduce the amount of communication data transmitted and received between each device and terminal, reduce the resource consumption of the storage device, etc. Is possible. Also, instead of letting the customer specify the loan account, the account already used for the transaction with the customer is set as the loan account. As a result, for example, an illegal transaction in which a customer officer designates a personal account can be suppressed.

  In the present embodiment, a plurality of virtual accounts can be assigned as repayment accounts. As a result, the customer can select a repayment destination account, and the convenience of the customer can be improved.

  Further, in the present embodiment, it is possible to perform credit according to the actual condition of the borrower by using the latest transaction status for the service provided by the service providing apparatus 10 and performing credit.

  In the present embodiment, the credit result is reviewed in the background based on the latest transaction status of the service provided by the service providing apparatus 10 to the customer who has received the loan. Thereby, when the loan management apparatus 30 receives a request from the terminal 40, it becomes possible to immediately (in real time) notify the credit result after review.

  The embodiments described above are for facilitating the understanding of the present invention, and are not intended to limit the present invention. Each element included in the embodiment and its arrangement, material, condition, shape, size, and the like are not limited to those illustrated, and can be changed as appropriate. In addition, the structures shown in different embodiments can be partially replaced or combined. “Person” includes corporations such as companies.

  DESCRIPTION OF SYMBOLS 10 ... Service provision apparatus, 11 ... CPU, 12 ... Storage device, 13 ... Communication IF, 20 ... Customer management apparatus, 30 ... Loan management apparatus, 40 ... Terminal, 41 ... CPU, 42 ... Storage device, 43 ... Communication IF, 44 ... Camera, 45 ... Microphone, 46 ... Speaker, 47 ... Display, 48 ... Input device, 101 ... Service management unit, 102 ... Storage unit, 201 ... Prediction processing unit, 202 ... Customer management unit, 203 ... Storage unit, 301 Application processing unit 302 Credit processing unit 303 Loan processing unit 304 Repayment management unit 305 Storage unit 400 Communication unit 401 Input unit 402 Display unit

Claims (11)

A loan management device owned by a person who communicates with a terminal used by a customer and makes a loan to the customer,
When receiving a loan application from the customer, the customer's account number and the customer's registry data registered in the storage device before the application are acquired from the storage device, and the acquired registry data is An application processing unit that receives a confirmation notification from the terminal that the customer has confirmed that the registry data is the customer's registry data by presenting to the customer;
A credit processing unit for determining a loan limit by performing credit to the customer;
When receiving the confirmation notification and the notification that the customer has agreed to the loan contract based on the loan limit amount from the terminal, the account number of the customer is within the range of the loan limit amount. Loan processing department that transfers money in,
A loan management device. The storage device includes a first information processing device different from the loan management device, or a first information processing device and a second information processing device different from the loan management device,
The first information processing apparatus and the second information processing apparatus are owned by a person who lends to the customer or by a person who belongs to the same group as the person who lends to the customer. Is an information processing device that can be directly or indirectly managed by a person who provides loans to the customer,
The application processing unit acquires the customer registry data from the first information processing device, and acquires the customer account number from the first information processing device or the second information processing device.
The loan management apparatus according to claim 1. The application processing unit acquires an account number input by the customer from the terminal, an account number acquired from the terminal, and an account acquired from the first information processing apparatus or the second information processing apparatus. Determine if the number matches,
The loan processing unit further determines that the account number acquired from the terminal matches the account number acquired from the first information processing apparatus or the second information processing apparatus, and the customer account. Transfer money to the numbered account within the limits of the loan limit,
The loan management apparatus according to claim 2. The credit processing unit is a transaction forecast data relating to a transaction that the customer has made in the past with the user of the customer, and is a sales forecast estimated using the transaction record data already stored in the storage device The credit limit is determined by crediting based on the data and the closing information presented by the customer.
The loan management apparatus according to any one of claims 1 to 3. The credit processing unit determines a loan limit by performing credit based on the sales forecast data,
The application processing unit transmits information indicating an indication of the loan limit amount to the terminal before accepting a loan amount desired by the customer from the terminal.
The loan management apparatus according to claim 4. The credit processing unit updates the loan limit by performing credit in advance based on the updated sales forecast data at predetermined intervals,
When the application processing unit receives a credit result notification request from the terminal, the application processing unit transmits information indicating the updated loan limit amount to the terminal.
The loan management apparatus according to claim 4 or 5. A repayment account for accepting repayment of money lent to the customer is assigned to each customer, and has a repayment management unit that transmits information indicating the repayment account to the terminal,
The loan management apparatus according to any one of claims 1 to 6. The repayment management unit allocates a plurality of virtual accounts for each customer as the repayment account,
The loan management apparatus according to claim 7. The loan processing unit further transmits a predetermined document that needs to be confirmed by the customer when executing the loan to the terminal, and notifies the terminal that the customer has confirmed the content of the predetermined document. Transfer money to the account of the customer's account number within the range of the loan limit when received from
The loan management apparatus according to any one of claims 1 to 8. A loan method performed by a loan management device owned by a person who performs a loan to the customer, communicating with a terminal used by the customer,
When receiving a loan application from the customer, the customer's account number and the customer's registry data registered in the storage device before the application are acquired from the storage device, and the acquired registry data is Receiving a confirmation notification from the terminal that the customer has confirmed that the registry data is the customer's registry data by presenting to the customer;
Determining a credit limit by making a credit to the customer;
When receiving the confirmation notification and the notification that the customer has agreed to the loan contract based on the loan limit amount from the terminal, the account number of the customer is within the range of the loan limit amount. With the step of transferring money,
Including financing methods. A program that communicates with a terminal used by a customer and that is executed by a computer owned by a person who provides a loan to the customer,
When receiving a loan application from the customer, the customer's account number and the customer's registry data registered in the storage device before the application are acquired from the storage device, and the acquired registry data is Receiving a confirmation notification from the terminal that the customer has confirmed that the registry data is the customer's registry data by presenting to the customer;
Determining a credit limit by making a credit to the customer;
When receiving the confirmation notification and the notification that the customer has agreed to the loan contract based on the loan limit amount from the terminal, the account number of the customer is within the range of the loan limit amount. With the step of transferring money,
Including programs.