JP2021064371A - Loan mediation system - Google Patents

Abstract

To provide a loan mediation system.SOLUTION: The loan mediation system comprises: a loan application reception unit for receiving an input of application information including attribute information and loan request information from a loan applicant; a financial institution information storage unit for storing plan information regarding a loan lending plan for each financial institution; a financial institution selection unit for generating a list of financial institutions to which the application information is provided, on the basis of the application information and the plan information; an application information display unit for displaying a list of a plurality of the application information, along with score information based on the attribute information of the loan applicant, on the terminal of the financial institutions; an offer selection receipt unit for receiving from the plurality of financial institutions the selection of application information for which an offer is made as well as the selection of plan information; and a notification unit for notifying the loan applicant of the information of the relevant financial institution and the plan information when the selection of the offer is received.SELECTED DRAWING: Figure 1

Description

The present invention relates to a loan intermediary system.

In recent years, a service has been proposed that allows a loan application to be sent to a plurality of financial institutions at once.

Patent Document 1 discloses an information input system that automatically converts and inputs user information into information input forms of a plurality of service providers that provide loan lending services. Has been done.

Japanese Patent No. 6175582

Since the above-mentioned technology uses the existing input form for each financial institution, it is a system that considers the convenience of the financial institution regarding the processing after the user's application information is sent to the financial institution. There wasn't.

Therefore, one object of the present invention is to provide a loan intermediary system that is highly convenient not only for borrowers but also for financial institutions.

According to the present invention, it is a loan intermediary system that mediates between a loan applicant and a financial institution, and has a borrowing application receiving unit that accepts input of application information including attribute information and borrowing request information from the loan applicant. , A financial institution information storage unit that stores plan information related to a loan loan plan for each financial institution, and a financial institution selection department that generates a list of financial institutions that provide the application information from the application information and the plan information. An application information display unit that displays a list of a plurality of the application information together with a score based on the attribute information of the borrower on the terminal of the financial institution, and an offer from the financial institution among the plurality of application information. Loan brokerage including an offer selection reception unit that accepts application information and plan selection, and an offer notification unit that notifies the borrower of the financial institution information and plan information when the offer selection is accepted. The system is obtained.

According to the present invention, not only the convenience for the borrower can be improved, but also the operation and processing on the financial institution side can be simplified.

It is a figure which shows the outline of the system by embodiment of this invention. It is a figure which shows the structure of the system by embodiment of this invention. It is a hardware block diagram of the intermediary server 1 by embodiment of this invention. It is a software configuration diagram of the intermediary server 1 according to the embodiment of the present invention. This is a configuration example of application information according to the embodiment of the present invention. This is a configuration example of transmission information according to the embodiment of the present invention. This is a configuration example of financial institution information according to the embodiment of the present invention. This is a configuration example of score information according to the embodiment of the present invention. This is a configuration example of borrower information according to the embodiment of the present invention. It is a software configuration diagram of the financial institution terminal by embodiment of this invention. This is an example of screen display on a financial institution terminal according to the embodiment of the present invention. This is an example of screen display on a financial institution terminal according to the embodiment of the present invention. This is an example of screen display on a financial institution terminal according to the embodiment of the present invention. It is a flow chart by embodiment of this invention. This is a configuration example of solution information according to an embodiment of the present invention. This is an example of screen display on a financial institution terminal according to the embodiment of the present invention.

The contents of the embodiments of the present invention will be described in a list. The present invention has the following configurations.
[Item 1]
It is a loan intermediary system that mediates between a loan applicant and a financial institution.
A borrowing application reception department that accepts input of application information including attribute information and borrowing request information from the loan applicant, and
For each financial institution, the conditions for accepting the application information, the financial institution information storage unit that stores the plan information related to the loan plan, and the financial institution information storage unit.
A financial institution selection department that generates a list of financial institutions that provide the application information from the application information and the reception conditions, and
An application information display unit that displays a list of a plurality of the application information together with a score based on the attribute information of the borrower on the terminal of the financial institution.
Among the plurality of application information, the financial institution accepts the application information to be offered and the selection of the loan loan plan and sends it to the server, and the offer selection reception unit.
A loan intermediary system comprising: an offer notification unit that notifies the borrower of the information of the financial institution and the plan information when the selection of the offer is accepted.
[Item 2]
A score material information acquisition unit that acquires score material information consisting of at least one of an offer rate, a loan establishment rate, a repayment period, and a repayment rate for each attribute of the borrower.
The loan intermediary system according to item 1, further comprising a score calculation unit that determines the score based on the attribute information for each application information based on the score material information.
[Item 3]
The loan intermediary system according to item 2, wherein the score material information acquisition unit acquires household account book information relating to household income and household expenditure for each attribute.
[Item 4]
The application information display unit accepts input of narrowing conditions for items included in at least one of the attribute information, the borrowing request information, and the score, and displays only the application information that matches the narrowing conditions.
The loan intermediary system according to any one of items 1 to 3, wherein the offer selection reception unit can collectively accept selections of the narrowed-down application information and transmit the selection to the server.
[Item 5]
Any of items 1 to 4, further comprising a plan proposal unit that compares the application information with the plan information stored in the financial institution information storage unit and proposes the loan loan plan that can be offered. Loan brokerage system described in Crab.
[Item 6]
It is characterized by further including a employment acceptance information providing unit that provides information on employment acceptance to a borrowing applicant whose score is above a certain level.
The loan intermediary system according to any one of items 1 to 5.

<Details of the embodiment>
Hereinafter, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a diagram showing an outline of a loan brokerage system according to an embodiment of the present invention. The borrowing applicant 2 accesses the intermediary server 1 of the loan intermediary system and inputs the information necessary for borrowing (S11). The intermediary server 1 provides application information to a plurality of financial institutions 3 (S14). The person in charge of the financial institution 3 browses the list of application information, selects the application information to be offered, and sends it to the intermediary server 1 (S15). The intermediary server 1 notifies the borrowing applicant 2 of the content of the offer (S16). After being notified of the offer, the borrowing applicant 2 can individually carry out the main application procedure with the financial institution 3 and receive a loan.

According to the loan intermediary system of the present invention, the borrower 2 can make a provisional application to a plurality of financial institutions 3 by inputting the information necessary for the loan application once. In addition, the financial institution 3 can browse a plurality of application information in a list, easily select application information that meets its own conditions, and send an offer.

FIG. 2 is a diagram showing a configuration of the loan brokerage system of the present invention. The intermediary server 1 constitutes a part of the system by executing information processing via communication with the borrower terminal 20 and the financial institution terminal 30.

The intermediary server 1 according to the present embodiment, the borrower terminal 20, and the financial institution terminal 30 have the hardware configuration as shown in FIG. The following configuration is an example, and may have other configurations. As shown in FIG. 3, the intermediary server 1 may be a general-purpose computer such as a workstation or a personal computer, or may be logically realized by cloud computing.

The intermediary server 1 includes at least a control unit 10, a memory 11, a storage 12, a transmission / reception unit 13, an input / output unit 14, and the like, and these are electrically connected to each other through a bus 15.

The control unit 10 is an arithmetic unit that controls the operation of the entire intermediary server 1, controls the transmission and reception of data between each element, and performs information processing and the like necessary for executing an application. For example, the control unit 10 is a CPU (Central Processing Unit), and executes each information processing by executing a program or the like stored in the storage 12 and expanded in the memory 11.

The memory 11 includes a main memory composed of a volatile storage device such as a DRAM (Dynamic Random Access Memory) and an auxiliary memory composed of a non-volatile storage device such as a flash memory or an HDD (Hard Disk Drive). .. The memory 11 is used as a work area or the like of the control unit 10, and also stores a BIOS (Basic Input / Output System) executed when the intermediary server 1 is started, various setting information, and the like.

The storage 12 stores various programs such as application programs. A database storing data used for each process may be built in the storage 12.

The transmission / reception unit 13 connects the intermediary server 1 to the network 4. The transmission / reception unit 13 may be provided with a short-range communication interface of Bluetooth (registered trademark) and BLE (Bluetooth Low Energy).

The input / output unit 14 is an information input device such as a keyboard and a mouse, and an output device such as a display, which are used as needed.

The bus 15 is commonly connected to each of the above elements and transmits, for example, an address signal, a data signal, and various control signals.

The borrower terminal 20 and the financial institution terminal 30 may also have the same hardware configuration.

FIG. 4 is a block diagram showing a software configuration of the intermediary server 1. The intermediary server 1 includes an application information storage unit 111, a transmission information storage unit 112, a financial institution information storage unit 113, a score determination information storage unit 114, a borrower information storage unit 115, a borrowing application reception unit 120, and a financial institution selection unit 121. , Application information providing unit 122, offer receiving unit 123, offer notification unit 124, score material information acquisition unit 125, score calculation unit 126, and employment acceptance information providing unit 127.

The application information storage unit 111 stores the application information input by the borrowing applicant 2. FIG. 5 is a configuration example of application information stored in the application information storage unit 111. The application information includes basic user information such as user ID and email address for each application ID, as well as annual income, age, family living together, spouse, residence (prefecture, etc.), occupation, years of service, number of loans, rent, etc. Attribute information of, and desired borrowing information such as desired amount of borrowing, purpose of use, desired date of borrowing, etc. can be included. As the basic information of the user, an e-mail address or the like capable of sending a notification to the user may be sufficient, and personally identifiable information such as a name and an address may not be acquired. The application information storage unit 111 may also store credit-related information obtained from the guarantee company by a business operator using the intermediary server 1 and input to the intermediary server 1 by the business operator. .. The credit information includes the name of the guarantee company, the availability of the guarantee, the amount that can be guaranteed, and so on. The information related to the credit may be stored by the intermediary server 1 presenting an input form to the guarantee company and accepting the input information.

The transmission information storage unit 112 stores the information actually provided to the financial institution 3 with respect to the application information input by the borrowing applicant 2. FIG. 6 is a configuration example of transmission information stored in the transmission information storage unit 112. The transmission information includes the transmission ID, the financial institution ID, and the transmission date for each financial institution 3 in association with the application ID and the application reception date. When an offer is received from the financial institution 3 at a later date, information such as the offer reception date and the offer plan information is added and stored.

The financial institution information storage unit 113 stores information for each financial institution 3. FIG. 7 is a configuration example of financial institution information stored in the financial institution information storage unit 113. The financial institution information includes basic information such as a financial institution name and URL, and plan information provided by the financial institution 3 in association with the financial institution ID. The plan information stores detailed information of the plan such as the plan name, the target purpose of use, and the loan conditions for each plan in association with the plan ID. It also includes information on the URL of the website of the financial institution 3 that posts detailed information on each plan or posts the application form. In addition, if there are restrictions on the corresponding area, information on the corresponding area and, as will be described later, conditions for excluding the provision of application information (conditions for accepting application information) can also be registered.

The score determination information storage unit 114 stores score determination information for calculating the score for each attribute of the borrower 2. The score represents the creditworthiness of borrowing and repayment, and for example, five levels from A to E can be set, but the method of setting the fineness of the score and the expression is not limited to this. In the present invention, the score is not a score representing the creditworthiness of an individual borrower, but a reliability calculated based on a tendency based on attribute information such as gender, occupation, residence, annual income, and age of the borrower 2. You may. FIG. 8 is a configuration example of score determination information stored in the score determination information storage unit 114. For example, by attribute (annual income, age, family living together, spouse, residence (prefecture, etc.), occupation, years of service, number of borrowings, rent, etc.), the content and the degree of influence (impact) that affects the corresponding score calculation Point) is memorized. For example, if the attribute: occupation tends to be high in credit when it is a civil servant, the effect on the score is a plus point. On the other hand, in the case of a part-time job, the effect on the score is a negative point. The points of influence on these scores are determined by an arbitrary algorithm based on data such as the past offer rate, closing rate, repayment period, and repayment rate, and can be updated at any time. Although only the table of occupation and annual income is shown in FIG. 8, the same influence points can be set for other attributes. In addition, the table at the bottom of FIG. 8 defines the relationship between the score and the integrated value of the influence points obtained by summing the influence points on the score for each attribute information for a certain borrower 2. It is a thing. In other words, if there is a borrower who is a civil servant and has an annual income of 3.5 million yen, the impact points will be +5 + 1 ..., and the impact points will be added up, and finally in the bottom table. The score can be determined based on.

The borrowing applicant information storage unit 115 stores information for each borrowing applicant. FIG. 9 is a configuration example of the borrower information stored in the borrower information storage unit. It is possible to store basic information of a borrower such as a user ID and an email address, attribute information such as annual income and age, a score determined from the attribute information, and past application information (application ID, etc.).

The solution information storage unit 116 stores information on the contents that must be resolved when borrowing. FIG. 15 is a configuration example of the solution information stored in the solution information storage unit 116. The solution can be stored in association with the exclusion condition that caused the problem.

The borrowing application reception unit 120 receives input of borrowing application information from the borrowing applicant 2. The borrower 2 can input information by accessing the intermediary server 1 and logging in with the registered ID as needed. The information to be input is the item shown in FIG. Each information can be input by selecting a preset option, or can be freely input by the borrower 2. The borrowing application reception unit 120 may provide a part or the whole of the borrowing application information to the guarantor by using the receipt of the borrowing application information as a trigger, so that the guarantor can guarantee the guarantee or not. It will be possible to start the examination of possible amounts. Further, the borrowing application receiving unit 120 may present an input form or the like to the guarantee company, receive information on the result of the examination, and store the information in the application information storage unit 111.

The financial institution selection unit 121 selects what is actually provided to the financial institution 3 from the application information input by the borrower 2. First, the first selection is made for the purpose of excluding the application information that is unlikely to be offered by the financial institution 3. The first selection can be, for example, a method of excluding those whose desired amount of borrowing is too high for their annual income in relation to their annual income and the desired amount of borrowing, but is not limited to this. The application information that is judged to be unlikely to be offered by the selection is not provided to the financial institution 3, and the borrower terminal 20 that made the application cannot be registered or entered. Please try again. " Further, it is also possible to notify the borrower terminal 20 of the range of the desired borrowing amount from which the offer from the financial institution 3 may be obtained in relation to the annual income and the desired borrowing amount. For example, a message such as "If the annual income is less than XX million yen, there is a high possibility of borrowing" can be notified to the borrower 2 who has an annual income of 1.5 to 3 million yen. The timing of notifying the range of the desired borrowing amount may be the timing when the borrowing applicant 2 inputs the annual income, or may be issued together with the notification that the borrowing applicant 2 is out of the selection and cannot be registered or wants to re-enter as described above. .. In addition, the range of the desired amount of borrowing may be uniquely determined by comparing it with the annual income, but the annual income and other attribute information (age, family living together, spouse or not, residence (prefecture, etc.), occupation, years of service) , Number of borrowings, rent, etc.) may be taken into account. Further, it may be changed according to the purpose of borrowing. These first selections may be made based on uniformly set conditions regardless of the financial institution, or may be selected by setting conditions for each financial institution.

Further, the financial institution selection unit 121 makes a second selection based on the acceptance conditions of the application information of the financial institution in order to generate a list of the financial institution 3 to be transmitted for each application information. The conditions for accepting application information are conditions for a financial institution to accept the provision of application information, and can be arbitrarily set for each financial institution. For example, there are conditions related to the corresponding area and exclusion conditions described later. For example, if the residence of the borrowing applicant 2 is not included in the corresponding area of the financial institution 3, the application information of the borrowing applicant 2 is not transmitted to the financial institution 3. Further, for each financial institution 3, the exclusion conditions to be excluded from the application information transmission list are registered in advance in the financial institution information storage unit 113, and the application information corresponding to the exclusion conditions is not transmitted to the financial institution 3. It can also be set as. For example, if the annual income is 0 to 500,000 yen, or if the number of borrowings is 3 or more, transmission is not required. Conditions for exclusion can be arbitrarily set for each financial institution 3. The exclusion condition may include a reference value for the score. In that case, for example, when the financial institution 3 determines that the reference value is 4 or more in 5 stages, the financial institution selection unit 121 sends the application information. If the score included in is 4 or less, the application information may be set not to be transmitted to the financial institution 3. Further, the content of the examination information of the guarantee company may be included in the exclusion condition. As described above, the financial institution selection unit 121 can transmit application information from all registered financial institutions 3 except for financial institutions 3 that cannot send application information based on acceptance conditions such as restrictions on corresponding areas and exclusion conditions. Generate a list of 3 financial institutions.

Further, the financial institution selection unit 121 applies the application information for which it is determined that the offer is unlikely to be obtained by the first selection and the second selection to the borrower terminal 20 that has made the application. Instead of a message such as "Cannot register" or "Please try again", you may notify the selection condition that caused the message and information about the solution of the selection condition. In this case, the financial institution selection unit 121 reads out the solution stored in association with the selection condition that caused the solution information storage unit 116, and presents it to the borrower terminal 20. In particular, when the cause is "insufficient annual income", the employment acceptance information providing unit 127, which will be described in detail later, may provide the employment acceptance information to the borrowing applicant terminal 20.

The application information providing unit 122 provides the financial institution 3 with the application information input by the borrowing applicant 2. The application information providing unit 122 provides application information to the financial institution terminal 30 based on the list of feasible financial institutions 3 generated by the financial institution selection unit 121 described above. The application information to be provided is the annual income, age, family living together, spouse presence, residence (prefecture, etc.), occupation, years of service, number of borrowings, attribute information such as rent, and borrowing request entered by the borrower 2. Includes borrowing information such as amount, purpose of use, and desired borrowing date. In addition, score information can be added to the application information. The score information is information on the reliability of the borrower 2 calculated based on the application information. In addition, information on the guarantee such as the name of the guarantee company, the availability of the guarantee, and the amount that can be guaranteed can be added to the application information. It is preferable that the application information providing unit 122 excludes personal information that identifies an individual, such as the user ID, name, and e-mail address of the borrowing applicant 2, from the application information.

The offer reception unit 123 receives the selection result when the person in charge of the financial institution operates and transmits the selection of the offer from the financial institution terminal 30. When the offer reception unit 123 receives the selection result of the offer, the offer notification unit 124 notifies the borrower 2 and the transmission information storage unit 112 receives the offer and the content of the offer (plan information). Etc.).

When the offer notification unit 124 receives the selection of the offer from the financial institution terminal 30, the offer notification unit 124 notifies the borrower terminal 20 of the information of the financial institution 3 and the plan information. The notification may be sent by e-mail to the e-mail address of the borrowing applicant 2 registered in advance, or the borrowing applicant 2 enters the ID into the intermediary system to log in and notifies the notification on the user's My Page or the like. You may keep it visible. The notification of the offer is when the selection of the offer is accepted from the financial institution terminal 30 instead of notifying the result collectively after receiving the result of the presence or absence of the offer from all of the plurality of financial institutions 3 that provided the application information. It is preferable to notify each time. The content of the notification preferably includes the website URL of the financial institution 3 that offered the offer, the URL of the page on which the individual plan information is posted, the URL of the plan application screen, and the like.

The score material information acquisition unit 125 acquires material information for score calculation. First, the score material information includes information on the offered rate, the contract rate, the repayment period, and the repayment rate in the usage history of the intermediary system of the present invention. The offer rate can be obtained by dividing the number of offers for each application ID by the number of financial institutions 3 that provided the application information from the information in the transmission information storage unit 112. In addition, the contract rate, repayment period, and repayment rate can be obtained on the intermediary system, or by providing information from the financial institution 3 or the borrower 2.

In addition, the score material information includes information from an external vendor. For example, information on household account book data (household income and expenditure) is obtained from a company that operates an application that manages a household account book digitally. The household account book data can include the purpose of expenditure (food expenses, living expenses, entertainment expenses, etc.) as well as the amount of expenditure. It is also useful to acquire the purchase history of online shopping.
Furthermore, it is also possible to obtain score material information calculated by an outside contractor. That is, the calculated score and various information used for the calculation are acquired from an external company that calculates the score by its own algorithm from all kinds of information such as online shopping history, SNS information, account balance and withdrawal information. .. Further, although not shown, the score material information acquired by these score material information acquisition units 125 can be stored and stored in some storage unit.

The score calculation unit 126 is based on attribute information such as the age of the borrower 2, the family living together, the presence or absence of a spouse, the residence (prefecture, etc.), occupation, years of service, the number of borrowings, and the rent, based on the score material information. The score indicating the reliability is calculated based on the tendency. Specifically, first, the high and low of the offered rate, the contract rate, the repayment period, and the repayment rate are analyzed for each item of the above attributes. As an example, as shown in FIG. 8, we analyze the correlation between the offered rate, contract rate, repayment period, and repayment rate for the contents of each item, and use the correlation as the "point of influence on the score". Express. For example, for a borrower 2 whose occupation was a civil servant, if the offer rate or contract rate is statistically high, a positive influence point is given so that the score goes up, and conversely, if it is a part-time job, it is offered. If the rate or contract rate is low, a negative impact point will be given. These influence points will be given to each attribute information other than occupation. Then, when a certain borrowing application is made, the points of influence on the score can be accumulated for each item of the attribute of the borrowing applicant 2 to obtain the borrowing applicant 2's score. For example, as shown in the table at the bottom of FIG. 8, a score can be set for each integrated value of influence points.

In addition, if you have acquired household account book data or online shopping purchase history, you can use this information for attributes such as age, family living together, spouse, residence (prefecture, etc.), occupation, years of service, number of borrowings, rent, etc. Tag based on the information and calculate the credit rating for each attribute information. Any method can be adopted for calculating the reliability from the household account book data and the purchase history of online shopping.
By the above method, the score based on the attributes of the borrower, not the individual score of the borrower, is calculated. By calculating the score based on the attributes of the borrower, it is possible to provide financial institutions with information that can be used as a reference without having to deal with personally identifiable information such as the name of the borrower. It will be possible.

The Employment Acceptance Information Providing Department 127 provides employment acceptance information to the borrowing applicant 2. The employment acceptance information is job information of companies and stores that are looking for workers, and also includes information of job service providers that provide such job information. The Employment Acceptance Information Providing Department 127 can notify the borrowing applicant terminal 20 of the contents of these job information and the URL of the website where the application can be made. Further, the employment acceptance information providing unit 127 may provide these employment acceptance information only to the borrowing applicant 2 having a certain score or higher based on the above-mentioned score. For example, when the scores are set in five stages from A to E in order from the best, the employment acceptance information can be provided only to the borrowing applicant 2 having the scores A to C. By transmitting information only to borrowers 2 who have a certain score or higher in this way, companies, stores, and recruiting service providers who wish to hire can receive mediation of reliable workers above a certain level. ,preferable. In particular, in recent years, due to the shortage of workers, work sharing services that specialize in short-term job information such as daily units have been provided, but these services provide interviews and resumes to improve convenience. Is often unnecessary. On the premise of hiring without such an interview or resume, it is preferable for the hiring side or the recruiting service provider side to mediate only those who have a certain score or higher. The employment acceptance information providing unit 127 reads out the borrowing applicant 2 having a certain score from the borrowing applicant information storage unit 115, and provides the recruiting information and the recruiting service information to the contact information such as the e-mail address.

FIG. 10 is a block diagram showing a software configuration in the financial institution terminal 30. The financial institution terminal 30 includes an application information display unit 301, an offer selection reception unit 302, a plan proposal unit 303, an offer transmission unit 304, a matching unit 305, and an examination result transmission unit 306.

The application information display unit 301 displays a list of application information provided by the application information providing unit 122 of the intermediary server 1 on the financial institution terminal 30. FIG. 11 is a display example of the financial institution terminal 30. At the financial institution terminal 30, the person in charge of the financial institution 3 can view the application list by entering the ID and password registered in advance in the intermediary server 1 and logging in. The application information includes the application ID, as well as attribute information such as annual income, age, family living together, spouse, residence (prefecture, etc.), occupation, years of service, number of borrowings, rent, etc. entered by the borrower 2. Includes desired borrowing information such as desired borrowing amount, purpose of use, desired borrowing date, and score. Here, personal information such as the user ID, name, and e-mail address of the borrower 2 is excluded.

The application information list display screen has a function for the person in charge of the financial institution to narrow down only the desired application information. First, each piece of information can be sorted in ascending or descending order. As shown in FIG. 11 as an example, the icons of upper △ and lower ▽ are displayed for each item, and the items can be sorted in ascending / descending order by clicking here. It is also possible to enter narrowing conditions for each item and display only the applicable application information. As shown in FIG. 11 as an example, click the button such as desired borrowing amount, annual income, age, etc. located on the left side of the "Search" button and enter the conditions in the input field, or select the displayed options. By selecting and clicking the search button, only the applicable application information can be displayed. These refinements can be selected for multiple items. For example, if the desired borrowing amount is in the range of 400,000 to 600,000 yen and the number of borrowings is narrowed down to one, only the application ID 998 will be hit and displayed in the example of FIG.

The offer selection reception unit 302 accepts the selection of the application information to be offered and the selection of the plan to be offered from the person in charge of the financial institution. In the example of FIG. 11, each application information is provided with a "plan guidance notification" button, and when the button is clicked, a plurality of plans registered in advance for each financial institution 3 are selected and an offer is made. be able to. The plan is stored in the financial institution information storage unit 113 together with information such as a plan ID, a plan name, a purpose of use, and a URL. FIG. 12 is an example of a plan selection screen. When you click the plan guidance notification button, a list of multiple registered plans is displayed together with the plan name and plan ID, and when you select and click one of the plans, you can make an offer with that plan. By clicking the plan guide for each application information and selecting the plan, the offer notification is sent to the offer reception unit 123 of the intermediary server 1.

Further, FIG. 13 is an enlarged view of a modified example of the screen display of the financial institution terminal 30, but as shown in FIG. 13, a plan to be offered for each application information may be displayed. As the display of the plan, a plan tentatively selected by the plan proposal unit 303 may be displayed as described later, or the person in charge of the financial institution may select and input the plan for each case.

In addition, the offer selection reception unit 302 can collectively transmit the plan guide to the plurality of selected application information. For example, when conditions are set for items and narrowed down as described above, an offer can be notified collectively for the application information displayed as a hit. In addition, in the list display, it is also possible to provide a check box or the like in each application information to check the items to be offered, and to collectively offer the checked application information. When notifying the offer in a lump, it is preferable that the selection of the plan to be offered for each application information is completed in advance as illustrated in FIG.

The plan proposal unit 303 can select an appropriate plan for each application information and propose it to the person in charge of the financial institution based on the plan information registered in the financial institution information storage unit 113. Although not shown, the financial institution information storage unit 113 stores conditions related to the loan target such as the purpose of use, the maximum amount, age, and income for each plan. The plan proposal unit 303 reads out necessary items from the application information and selects an appropriate plan by comparing with the conditions of each plan stored in the financial institution information storage unit 113. For plan proposals, a message such as "The plan that can be proposed is XX" can be displayed on the screen when the person in charge of the financial institution selects "Plan guidance notification" for each application information. Not limited to. For example, as illustrated in FIG. 13, in the list display of application information, the plan information such as the plan name or the plan ID selected in advance by the plan proposal unit 303 may be provisionally selected. Financial institution personnel can click on a plan and reselect the appropriate plan as needed.

The plan proposal unit 303 may give a notification to the borrower terminal 20 including "not proposing a plan" based on the exclusion condition registered in the financial institution information storage unit 113. In this case, the plan proposal unit 303 may present the solution stored in the solution information storage unit 116 in association with the exclusion condition that caused the problem to the borrower terminal 20.

The offer transmission unit 304 transmits the application information and the plan information selected by the offer selection reception unit 302 to the intermediary server 1.

Further, the offer transmission unit 304 may send information such as the name of the financial institution, the branch name, the contact information, and the name of the person in charge of the financial institution that sent the offer to the borrower terminal 20 in addition to the offer information. , Subsequent exchange of applications, etc. can be performed directly between the borrower 2 and the financial institution 3. In addition, the system of the present invention may use the following functions to proceed with the exchange after sending the offer information on the system. In that case, the offer transmission unit 304 accepts the offer in addition to the offer information. Alternatively, a function such as a form or a button capable of expressing the intention of refusal may be presented to the borrower terminal 20.

When the borrowing applicant 2 accepts the offer in the previous term, the matching unit 305 proceeds with the matching procedure between the borrowing applicant 2 and the financial institution 3. The borrower 2 has expressed his intention to accept the offer by the form or button that can express his intention presented to the borrower terminal 20 by the offer transmission unit 304, or at the request of the financial institution, with the borrower 2. When the intention to proceed with matching is expressed, the matching department 305 adds the terms of use prepared by the financial institution to the borrower terminal 20 and a check box etc. that can express consent / disagreement. Present the answer form etc. to the question and accept the information when the borrowing applicant 2 inputs it. Further, the matching unit 305 transmits a request for personal information of the borrower 2 to the intermediary server 1, and the intermediary server 1 receives this request and transmits a part or the whole of the personal information to the financial institution terminal 30. ..

The examination result transmission unit 306 is examined by the financial institution 3 based on the consent / disagreement information of the terms of use, the answer to the additional question, and the personal information sent by the matching unit 305 to the financial institution terminal 30. The result will be sent to the borrower 2.

Note that FIG. 16 is a modified example of the screen display of the financial institution terminal 30, but as shown in FIG. 16, a part or all of the application information, an offer transmission button, and a matching request are shown for each application information. A function for inputting such as an assert button and a button for sending the examination result may be displayed.

Next, the basic operation flow of the intermediary system of the present invention will be described with reference to FIG.

First, the input of the borrowing application information by the borrowing application applicant is accepted (S11). The application information can be input by a terminal such as a personal computer or a smartphone of the borrower 2. The borrower 2 accesses the intermediary server 1 and displays the application information input screen by inputting his / her own registration ID and password, and inputs necessary items. The received application information is stored in the application information storage unit 111.

Next, the financial institution selection unit 121 selects the financial institution 3 that provides the application information (S12). The financial institution selection unit 121 notifies the borrowing applicant terminal 20 of a project for which there is a high possibility that an offer cannot be obtained from the financial institution 3. In addition, a list of financial institutions 3 that can identify financial institutions 3 that do not send application information and send them in reverse when the corresponding area is limited for each financial institution 3 or exclusion conditions are set. To generate.

Further, score information is added to each application information (S13). The score information is not particularly limited, but for example, score information based on the attributes of the borrower 2 may be added. In this case, the points of influence on the score are accumulated based on the attributes of the borrower 2, and the score is determined based on the total value of the points of influence.

The application information providing unit 122 provides the application information and the score information to the financial institution terminal 30 based on the list generated by the financial institution selection unit 121 (S14). The provided application information is stored in the transmission information storage unit 112. The person in charge of the financial institution can log in to the intermediary server 1 from the financial institution terminal 30 and browse the application information list.

The person in charge of the financial institution selects and inputs the application information to be offered and the plan information to be offered, and sends the information to the intermediary server 1. The person in charge of the financial institution can narrow down the application information that matches the desired conditions and display it on the screen, and can make a batch offer for the further narrowed down application information. When the offer reception unit 123 receives the offer information from the financial institution terminal 30 (S15), the offer notification unit 124 notifies the borrower terminal 20 of the offer (S16). In addition, the application information for which the offer has been received is updated by adding information such as the date and plan for which the offer was received to the transmission information storage unit 112 (S17).

The above is the basic operation flow of the intermediary system of the present invention.

According to the intermediary system of the present invention, the borrowing applicant 2 can make a provisional application to a plurality of financial institutions 3 by inputting the information necessary for the application once, and can consult the offer. In addition, the person in charge of the financial institution can browse the information in a list for a plurality of application information, and can sort and narrow down the information according to the conditions, so that the offer can be selected smoothly. .. Further, by adding simple score information based on attributes, the financial institution 3 can improve the contract rate, but since the score is not based on personal information, it is not necessary to handle personal information.

The above-described embodiments are merely examples for facilitating the understanding of the present invention, and are not intended to limit the interpretation of the present invention. It goes without saying that the present invention can be modified and improved without departing from the spirit thereof, and the present invention includes an equivalent thereof.

1 Mediation server 2 Borrowing applicant 3 Financial institution 4 Network 20 Borrowing applicant terminal 30 Financial institution terminal 111 Application information storage unit 112 Transmission information storage unit 113 Financial institution information storage unit 114 Score material information storage unit 115 Borrowing applicant information storage unit 120 Borrowing application reception department 121 Financial institution selection department 122 Application information provision department 123 Offer reception department 124 Offer notification department 125 Score material information acquisition department 126 Score calculation department 127 Employment acceptance information provision department 301 Application information display department 302 Offer selection reception department 303 Plan Proposal Department 304 Offer Transmission Department 305 Matching Department 306 Examination Result Transmission Department

Claims (6)

It is a loan intermediary system that mediates between a loan applicant and a financial institution.
A borrowing application reception department that accepts input of application information including attribute information and borrowing request information from the loan applicant, and
For each financial institution, the conditions for accepting the application information, the financial institution information storage unit that stores the plan information related to the loan plan, and the financial institution information storage unit.
A financial institution selection department that generates a list of financial institutions that provide the application information from the application information and the reception conditions, and
An application information display unit that displays a list of a plurality of the application information together with a score based on the attribute information of the borrower on the terminal of the financial institution.
Among the plurality of application information, the financial institution accepts the application information to be offered and the selection of the loan loan plan and sends it to the server, and the offer selection reception unit.
A loan intermediary system comprising: an offer notification unit that notifies the borrower of the information of the financial institution and the plan information when the selection of the offer is accepted. A score material information acquisition unit that acquires score material information consisting of at least one of an offer rate, a loan establishment rate, a repayment period, and a repayment rate for each attribute of the borrower.
The loan intermediary system according to claim 1, further comprising a score calculation unit that determines the score based on the attribute information for each application information based on the score material information. The loan brokerage system according to claim 2, wherein the score material information acquisition unit acquires household account book information relating to household income and household expenditure for each attribute. The application information display unit accepts input of narrowing conditions for items included in at least one of the attribute information, the borrowing request information, and the score, and displays only the application information that matches the narrowing conditions.
The loan intermediary system according to any one of claims 1 to 3, wherein the offer selection reception unit can collectively accept selections of the narrowed-down application information and transmit the selection to the server. It is characterized by further including a plan proposal unit that compares the application information with the plan information stored in the financial institution information storage unit and proposes the loan loan plan that can be offered.
The loan intermediary system according to any one of claims 1 to 4. It is characterized by further including a employment acceptance information providing unit that provides information on employment acceptance to a borrowing applicant whose score is above a certain level.
The loan intermediary system according to any one of claims 1 to 5.

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