JP2021071848A - Inheritance task support device, inheritance task support method, and inheritance task support program - Google Patents

Abstract

To reduce administrative burden related to inheritance tasks.SOLUTION: An inheritance task support device comprises: acquisition means for acquiring inherited asset information indicating assets to be inherited from an inheritance procedure request that specifies the assets of a decedent; determination means for determining whether or not the inherited asset information acquired by the acquisition means includes additional inherited asset information different from the inherited asset information acquired in advance; and instruction means for instructing to execute an inheritance task for the assets indicated by the inherited asset information when the inherited asset information acquired by the acquisition means does not include the additional inherited asset information.SELECTED DRAWING: Figure 2

Description

The present invention relates to an inheritance office work support device, an inheritance office work support method, and an inheritance office work support program.

In inheritance affairs at a financial institution, various affairs such as confirmation of the account held by the decedent and identification of the account to be inherited by the heir are required. Various techniques have been proposed to reduce the burden of such office work (see, for example, Patent Documents 1 to 3).

JP-A-2018-005767 Japanese Unexamined Patent Publication No. 2016-212691 Japanese Unexamined Patent Publication No. 2005-228501

When the financial institution receives an inheritance offer containing information on the decedent from the heir, he / she will be informed of the necessary documents to be used for the inheritance procedure for the inheritance account to be inherited. Here, when the financial institution accepts the offer for inheritance, it confirms whether the account indicated in the offer is an inheritance account. If the inheritance account is unknown, the inheritance account will be investigated. Then, the heirs will be informed of the necessary documents to be used for the inheritance procedure for the inheritance account found by confirmation or investigation.

The customer fills in the required items, submits the stamped required documents to the financial institution, and requests the inheritance procedure. When requesting an inheritance procedure, an additional account that is different from the account that provided the required documents may also be designated as an inheritance target. Such an additional account may occur, for example, because the passbook held by the decedent is discovered after guiding the necessary documents to the customer. In such a case, the staff of the financial institution will investigate the additional account and provide the heir with information on the necessary documents to be used for the inheritance procedure for the additional account. Therefore, if an additional account is created, the administrative burden on the financial staff will increase, and the time required for the inheritance procedure will also increase. In addition, even if no additional account has been created, the work of confirming the existence of the additional account will be carried out, which is a burden on the financial staff. Such issues are not limited to accounts, but may also occur for assets including insurance contracts and the like.

One aspect of the disclosure technology is aimed at reducing the administrative burden associated with inheritance affairs.

One aspect of the disclosed technology is illustrated by the following inheritance office support device. In this inheritance office work support device, the acquisition means for acquiring the inherited asset information indicating the property to be inherited from the inheritance procedure request specifying the inherited person's assets and the inherited asset information acquired by the acquisition means are previously prepared. When the determination means for determining whether or not the additional inherited asset information different from the inherited asset information acquired in the above is included, and when the inherited asset information acquired by the acquisition means does not include the additional inherited asset information. , The instruction means for instructing the execution of the inheritance work for the assets indicated by the inherited asset information.

The disclosed technology can reduce the administrative burden related to inheritance affairs.

FIG. 1 is a diagram showing an example of an inheritance office work support device according to an embodiment. FIG. 2 is a diagram showing an example of a processing block of the inheritance office work support system according to the embodiment. FIG. 3 is a diagram showing an example of an account management table stored in the management database in the embodiment. FIG. 4 is a diagram showing an example of a customer management table stored in the management database in the embodiment. FIG. 5 is a diagram showing an example of a processing management table stored in the processing database in the embodiment. FIG. 6 is a diagram showing an example of an inheritance confirmation table. FIG. 7 is a diagram showing an example of an inheritance procedure invoice. FIG. 8 is a diagram showing an example of a processing flow of a work terminal in the embodiment.

<Embodiment>
The inheritance office work support device according to the embodiment has, for example, the following configuration. The inheritance office work support device according to this embodiment is
An acquisition method for acquiring inherited asset information indicating the assets to be inherited from an inheritance procedure request that specifies the assets of the decedent, and
A determination means for determining whether or not the inherited asset information acquired by the acquisition means includes additional inherited asset information different from the inherited asset information acquired in advance.
When the inherited asset information acquired by the acquisition means does not include the additional inherited asset information, the acquisition means includes an instruction means for instructing the execution of the inheritance work for the assets indicated by the inherited asset information.

This inheritance office work support device is, for example, an information processing device used by the staff of a financial institution. Examples of assets include deposits and savings, investment trust accounts, insurance contracts, and the like. In the inheritance procedure, the financial institution guides the customer to the necessary documents such as the inheritance procedure invoice and the copy of the family register for the assets such as the account listed in the inheritance confirmation table. The heir who has prepared the necessary documents requests the financial institution to carry out the inheritance procedure by submitting an inheritance procedure request. Here, additional inherited asset information indicating an account, etc. that was not described in the inheritance confirmation table may be described in the inheritance procedure invoice. In this inheritance office work support device, the determination means determines the presence or absence of such additional inherited asset information, and if there is no additional inherited asset information, the instruction means instructs the execution of the inheritance office work. According to this inheritance affairs support device, the staff of the financial institution does not have to investigate the existence of additional inherited asset information, so the amount of work of the financial institution in the inheritance affairs is reduced and the processing time related to the inheritance affairs is reduced. Can be shortened. That is, this inheritance office work support device can reduce the office work burden related to inheritance office work.

The inheritance office work support device according to the embodiment may further have the following features. The determination means determines whether or not the owner of the asset indicated by the additional inherited asset information is the decedent when the inherited asset information acquired by the acquisition means includes the additional inherited asset information. Is determined with reference to the storage unit that associates the asset with the owner of the asset, and the instruction means is the additional inherited asset when the owner of the asset indicated by the additional inherited asset information is the decedent. The assets indicated by the inherited asset information are also subject to inheritance, and the execution of inheritance work is instructed.

For example, a name, an address, a date of birth, and a telephone number are registered in the storage unit as information on the owner of the asset. That is, the storage unit contains the asset and the name, address, date of birth, and date of the owner of the asset.
Memorize the correspondence with the phone number. Since the storage unit stores such a correspondence, the determination means can determine whether or not the owner of the asset indicated by the additional inherited asset information is the decedent based on the information indicating the decedent. By providing the above characteristics, the disclosed technology can suppress the occurrence of investigations by the staff of financial institutions even if additional inherited asset information exists, and at the same time, it can be used for inheritance procedures for the assets indicated by the inherited asset information. Submission of required documents can be suppressed. Therefore, the inheritance affairs support device according to the embodiment can reduce the amount of work of the financial institution in the inheritance affairs and shorten the processing time related to the inheritance affairs.

The inheritance office work support device according to the embodiment may further have the following features. The instruction means further instructs the preparatory processing for the execution of the inheritance work according to the type of the asset indicated by the additional inherited asset information. By providing such a feature, the inheritance office work support device performs preparatory processing such as executing payment suspension processing before inheriting to the heir, for example, when the type of asset is government bond. And the inheritance to the heir can be carried out smoothly.

The inheritance office work support device according to the embodiment may further have the following features. The request for inheritance procedure includes designation of an inheritance implementation method from the assets of the decedent, and the instruction means instructs the execution of inheritance work in accordance with the inheritance implementation method. By providing such a feature, the inheritance office work support device can flexibly respond to the request of the heir regarding the method of executing the inheritance.

The techniques described above can also be grasped from the aspects of the inheritance office work support method and the inheritance office work support program.

Hereinafter, embodiments will be further described with reference to the drawings. FIG. 1 is a diagram showing an example of an inheritance office work support system according to an embodiment. The inheritance office work support system 500 illustrated in FIG. 1 includes a work terminal 1 and a management server 3. The work terminal 1 and the management server 3 are connected to each other by the network N1 so as to be able to communicate with each other.

The work terminal 1 is an information processing device operated by a staff member of a financial institution that receives a request for an inheritance procedure from a customer. The work terminal 1 is, for example, a desktop personal computer, a notebook personal computer, or a tablet computer. The scanner 2 is connected to the work terminal 1 by wire or wirelessly. The work terminal 1 is a document filled out by an heir or the like for requesting inheritance of an account held by the decedent (hereinafter referred to as an inheritance confirmation table) or a document for requesting an inheritance procedure filled in and stamped by the heir or the like (hereinafter referred to as an inheritance confirmation table). By reading the inheritance procedure invoice (hereinafter referred to as an inheritance procedure invoice) with the scanner 2, a digital image obtained by digitizing the inheritance confirmation table and the inheritance procedure invoice is acquired. The work terminal 1 acquires the character information entered in the inheritance confirmation table and the inheritance procedure invoice by executing OCR on the acquired digital image. The work terminal 1 is an example of an “inheritance office work support device”. The inheritance confirmation table is the first document issued in the inheritance procedure as an inheritance offer from a customer to a financial institution. The financial institution notifies the customer of necessary documents such as an inheritance procedure invoice and a copy of the family register based on the inheritance confirmation table. Here, the customer may request the inheritance procedure by adding an account other than the one offered in the inheritance confirmation table, for example, by finding a new passbook of the decedent at the stage of submitting the inheritance procedure request.

The scanner 2 is an image acquisition device that acquires an inheritance confirmation table and an inheritance procedure invoice as digital images. The scanner 2 is connected to the work terminal 1. As long as the device can acquire the inheritance confirmation table and the inheritance procedure invoice as a digital image, another device (for example, a digital camera or the like) may be connected to the work terminal 1 instead of the scanner 2.

The management server 3 is an information processing device that manages customers and accounts of financial institutions. The management server 3 is, for example, a server device.

(Hardware configuration)
FIG. 1 also illustrates the hardware configuration of the work terminal 1 and the management server 3 included in the inheritance office work support system 500. Hereinafter, the hardware configuration of the work terminal 1 and the management server 3 will be described with reference to FIG.

(Hardware configuration of work terminal 1)
The work terminal 1 includes a Central Processing Unit (CPU) 101, a main storage unit 102, an auxiliary storage unit 103, a communication unit 104, a display unit 105, and a connection unit 106. The CPU 101, the main storage unit 102, the auxiliary storage unit 103, the communication unit 104, the display unit 105, and the connection unit 106 are connected to each other by a connection bus.

The CPU 101 is also called a microprocessor unit (MPU) or a processor. The CPU 101 is not limited to a single processor, and may have a multiprocessor configuration. Further, a single CPU 101 connected by a single socket may have a multi-core configuration. At least a part of the processing executed by the CPU 101 is performed by a processor other than the CPU 101, for example, a dedicated processor such as a Digital Signal Processor (DSP), a Graphics Processing Unit (GPU), a numerical arithmetic processor, a vector processor, or an image processing processor. You may. Further, at least a part of the processing executed by the CPU 101 may be executed by an integrated circuit (IC) or another digital circuit. Further, at least a part of the CPU 101 may include an analog circuit. Integrated circuits include Large Scale Integrated Circuits (LSIs), Application Specific Integrated Circuits (ASICs), and Programmable Logic Devices (PLDs). PLDs include, for example, Field-Programmable Gate Array (FPGA). The CPU 101 may be a combination of a processor and an integrated circuit. The combination is called, for example, a microcontroller unit (MCU), a system-on-a-chip (SoC), a system LSI, a chipset, or the like. In the information processing device 100, the CPU 101 expands the program stored in the auxiliary storage unit 103 into the work area of the main storage unit 102, and controls the peripheral devices through the execution of the program. As a result, the information processing apparatus 100 can execute processing that meets a predetermined purpose. The main storage unit 102 and the auxiliary storage unit 103 are recording media that can be read by the work terminal 1.

The main storage unit 102 is exemplified as a storage unit that is directly accessed from the CPU 101. The main memory 102 is a Random Access Memory (RAM) and a Read.
Includes Only Memory (ROM).

The auxiliary storage unit 103 stores various programs and various data in a readable and writable recording medium. The auxiliary storage unit 103 is also called an external storage device. The auxiliary storage unit 103 stores an operating system (Operating System, OS), various programs, various tables, and the like. The OS includes a communication interface program that exchanges data with an external device or the like connected via the communication unit 104. External devices and the like include, for example, other information processing devices and external storage devices connected by a computer network or the like. The auxiliary storage unit 103 may be, for example, a part of a cloud system which is a group of computers on a network.

The auxiliary storage unit 103 is, for example, an Erasable Programmable ROM (EPROM), a solid state drive (Sold State Drive, SSD), a hard disk drive (Hard Disk Drive, HDD), or the like. Further, the auxiliary storage unit 103 is, for example, a Compact Disc (CD) drive device, a Digital Versail Disc (DVD) drive device, a Blu-ray (registered trademark) Disc (BD) drive device, or the like. In addition, the auxiliary storage unit 103 may be provided by a Network Attached Storage (NAS) or a Storage Area Network (SAN).

The communication unit 104 is, for example, an interface with the network N1. The communication unit 104 communicates with another information processing device via the network N1.

The display unit 105 displays, for example, data processed by the CPU 101 or data stored in the main storage unit 102. Examples of the display unit 105 include a Cathode Ray Tube (CRT) display, a Liquid Crystal Display (LCD), a Plasma Display Panel (PDP), an Electroluminescence (EL) panel, an organic EL panel, and the like.

The connection unit 106 is an interface for connecting an external device. The method in which the connection unit 106 connects the external device may be wired or wireless. Examples of the connection unit 106 include Universal Serial Bus (USB), IEEE1394, Small Computer System Interface (SCSI), Bluetooth (registered trademark), and the like.

(Hardware configuration of management server 3)
The management server 3 includes a CPU 101, a main storage unit 102, an auxiliary storage unit 103, and a communication unit 104, similarly to the work terminal 1.

<Processing block of inheritance office work support system 500>
FIG. 2 is a diagram showing an example of a processing block of the inheritance office work support system according to the embodiment. Hereinafter, the processing block of the inheritance office work support system 500 will be described with reference to FIG.

(Processing block of management server 3)
As illustrated in FIG. 2, the management server 3 includes a management database 31 (in the figure, the database is referred to as a DB) and a preparatory processing database 32. The management server 3 executes the processing of the management server 3 as each part such as the management database 31 and the preparatory processing database 32 by executing the computer program executably deployed in the main storage unit 102 by the CPU 101.

The management database 31 is a database that manages the account holder and the account in association with each other. FIG. 3 is a diagram showing an example of an account management table stored in the management database in the embodiment. The account management table 311 illustrated in FIG. 3 includes each item of "customer ID", "account type", and "account number". The "customer ID" stores an ID that uniquely identifies a customer of a financial institution. Information indicating the type of account (for example, ordinary, current account, investment trust, government bond) is stored in the "account type". An account number that identifies an account is stored in the "account number". That is, the account management table 311 can be said to be a table that associates the holder of the account with the account.

FIG. 4 is a diagram showing an example of a customer management table stored in the management database in the embodiment. The customer management table 312 illustrated in FIG. 4 includes each item of "customer ID", "name", "address", "date of birth", and "telephone number". In the "customer ID", an ID that uniquely identifies the customer is stored as in the account management table 311. The customer's name is stored in the "name". The customer's address is stored in the "address". The date of birth of the customer is stored in the "date of birth". The customer's telephone number is stored in the "telephone number". That is, the customer management table 312 can be said to be a table that manages information related to customers.

The preparatory processing database 32 is a database that manages the account type and the inheritance processing in association with each other. FIG. 5 is a diagram showing an example of a processing management table stored in the processing database in the embodiment. The preparatory processing management table 321 includes each item of "account type", "preprocessing", and "instruction destination". Since the information stored in the "account type" is the same as that of the account management table 311, the description thereof will be omitted. In the "preparation process", information indicating the preparatory process for inheritance work according to the account type is stored. For example, when the account type is government bond, payment suspension processing is executed in preparation for inheriting the account to the heir. Information that identifies the information processing device that is the request destination for processing is stored in the "instruction destination". Information that identifies the information processing device may include, for example, a host name, an IP address, or the like.

(Processing block of work terminal 1)
The work terminal 1 includes an acquisition unit 11, a collation unit 12, a first determination unit 13, a second determination unit 14, and an instruction unit 15. In the work terminal 1, the CPU 101 executes a computer program executably deployed in the main storage unit 102, so that the acquisition unit 11, the collation unit 12, the first determination unit 13, and the second determination unit of the work terminal 1 are executed. The processing as each part such as 14 and the instruction part 15 is executed.

The acquisition unit 11 acquires a digital image obtained by digitizing the inheritance confirmation table and the inheritance procedure invoice from the scanner 2. By executing OCR on the acquired digital image, the acquisition unit 11 acquires the information (character string) entered in the inheritance confirmation table or the inheritance procedure invoice as character information that can be edited by the information processing device.

Here, an example of the inheritance confirmation table that the acquisition unit 11 targets for OCR will be described. FIG. 6 is a diagram showing an example of an inheritance confirmation table. The inheritance confirmation table B1 illustrated in FIG. 6 has an input field for entering information relating to the "inherited person", the "representative heir", the "spouse", and the "child". In the input field for entering the information related to the decedent, each input item of "address", "frigana", "name", "date of birth", and "date of death" is provided. In the input field for entering the information related to the representative heir, each input item of "address", "frigana", "name", and "telephone number" is provided. In the input field for entering information related to the spouse, each input item of "name", "death / overseas residence", and "date of death" is provided. In the input field for inputting information related to the child, each input item of "name", "underage / death / overseas residence", and "date of death" is provided. In the inheritance confirmation table B1, information is entered by the representative heir or the like for each input item.

Next, an example of an inheritance procedure invoice subject to OCR by the acquisition unit 11 will be described. FIG. 7 is a diagram showing an example of an inheritance procedure invoice. In the inheritance procedure invoice B2 exemplified in FIG. 7, each input field of "inheritor", "representative heir", "inheritor other than representative heir", "inherited account", and "transfer account" including. Since the information entered in the input field of "inherited person" is the same as the input field of "inherited person" in the inheritance confirmation table B1, the description thereof will be omitted. The input field for "representative heir" is different from the input field for "representative heir" in the inheritance confirmation table B1 in that an input item for the date of birth is provided instead of the telephone number. Information on a person who is an heir and is not a representative heir is entered in the input field of "heirs other than the representative heir". The input field of "heirs other than the representative heir" includes each input item of "address", "name", and "date of birth". In the input field of "inherited account", information on the account to be inherited among the accounts held by the decedent is entered. The "inherited account" includes the input items of "type of savings" and "account number". The type of account (for example, ordinary, current account, investment trust) is entered in the input item of "type of savings". The account number is entered in the input item of "account number". In the input field of "transfer destination account", information indicating the account to be the transfer destination from the inherited account is entered. The input field of "transfer account" includes each input item of "type of savings", "account number" and "holder".

For example, by executing OCR on the digital image of the inheritance confirmation table B1, the acquisition unit 11 acquires the information entered in each input item of the inheritance confirmation table B1 in association with each input item. The acquisition unit 11 can acquire information indicating the decedent, such as the name of the decedent entered in the inheritance confirmation table B1, for example. Further, the acquisition unit 11 acquires, for example, by executing OCR on the digital image of the inheritance procedure invoice B2, the information entered in each input item of the inheritance procedure invoice B2 is associated with each input item. To do. The acquisition unit 11 can acquire, for example, the account number of the inherited account entered in the inheritance procedure invoice B2. The acquisition unit 11 is an example of the “acquisition means”.

The collation unit 12 refers to the customer management table 312 of the management database 31 based on the name, address, and date of birth of the decedent acquired from the inheritance confirmation table B1 by the acquisition unit 11, and refers to the customer ID of the decedent. To get. The collation unit 12 refers to the account management table 311 of the management database 31 and extracts the account number associated with the acquired customer ID.

The first determination unit 13 is the account number acquired by the acquisition unit 11 from the inheritance procedure invoice B2, the account number extracted by the collation unit 12, and the account number acquired by the acquisition unit 11 from the inheritance confirmation table B1. Determine if additional accounts that are different from each other are included. The first determination unit 13 makes an affirmative determination when an additional account exists.

The second determination unit 14 refers to the account management table 311 of the management database 31 and acquires the customer ID associated with the additional account. The second determination unit 14 refers to the customer management table 312 of the management database 31 and acquires the name, address, and date of birth corresponding to the customer ID. The second determination unit 14 matches the name, address, and date of birth acquired by referring to the customer management table 312 with the name, address, and date of birth of the decedent acquired by the acquisition unit 11 from the inheritance confirmation table B1. If so, make an affirmative judgment. The second determination unit 14 may further obtain the account type of the additional account by referring to the account management table 311 of the management database 31. If there are a plurality of additional accounts, the second determination unit 14 makes the same determination for each additional account. The first determination unit 13 and the second determination unit 14 are examples of "determination means".

The instruction unit 15 inherits the additional account for which the second determination unit 14 makes an affirmative determination. Of the accounts entered in the inheritance procedure request form B2, the instruction unit 15 targets the accounts also listed in the inheritance confirmation table B1 and the additional accounts for which the second judgment unit 14 makes an affirmative judgment. , Instruct the execution of inheritance affairs. The instruction unit 15 refers to the preparation processing database 32 of the management server 3, acquires the preparation processing and the instruction destination corresponding to the account type of the inherited account, and designates the execution of the acquired preparation processing as the instruction destination. Instruct the information processing device. For example, when the transfer destination account is specified in the inheritance procedure invoice B2, the instruction unit 15 instructs the transfer destination account to transfer the amount of money deposited in the inheritance target account. The instruction unit 15 is an example of "instruction means".

<Processing flow>
FIG. 8 is a diagram showing an example of a processing flow of a work terminal in the embodiment. Hereinafter, the processing flow of the work terminal 1 will be described with reference to FIG.

In P1, the acquisition unit 11 acquires the information entered in the inheritance confirmation table B1. In P1, the collation unit 12 further refers to the customer management table 312 of the management database 31 based on the name, address, and date of birth of the decedent acquired by the acquisition unit 11 from the inheritance confirmation table B1. Obtain the customer ID of the heir. The collation unit 12 refers to the account management table 311 of the management database 31 and extracts the account number associated with the acquired customer ID.

In P2, the acquisition unit 11 acquires the information entered in the inheritance procedure request form B2. In P3, the first determination unit 13 differs from the account number obtained from the inheritance procedure invoice B2 in P2 from the account number extracted in P1 and the account number obtained from the inheritance confirmation table B1 in P1. Determine if additional accounts are included. If it is included (YES in P3), the process proceeds to P4. If it is not included (NO at P4), processing proceeds to P9.

In P4, the second determination unit 14 refers to the account management table 311 of the management database 31 and acquires the customer ID and the account type associated with the additional account. The second determination unit 14 determines whether or not the acquired account type is deposit / savings. Here, the case of deposits and savings can be given when the account type is "ordinary" or "current", and the case of non-deposits and savings is the case where the account type is "investment trust" or "government bond". Can be mentioned. If it is a deposit (YES in P4), the process proceeds to P5. If it is not a deposit (NO on P4), the process proceeds to P7.

In P5, the second determination unit 14 refers to the management database 31 and acquires the name, address, and date of birth of the customer associated with the additional account. The second determination unit 14 determines whether or not the name, address, and date of birth acquired in P5 match the name, address, and date of birth of the decedent acquired in P1. If they match (YES in P5), the process proceeds to P6. If they do not match (NO on P5), the next loop is started. In P6, the instruction unit 15 adds an additional account to the inheritance target.

On P7, the second determination unit 14 outputs a confirmation request for an account that is not a deposit or savings. The confirmation request is transmitted to the information processing device that manages the investment trust at the financial institution, for example, when the account type of the additional account is an investment trust. When the account type of the additional account is government bonds, the information is transmitted to the information processing device that manages the government bonds at the financial institution.

On P8, the second determination unit 14 receives the completion notification from the other device that sent the confirmation request on P7. For example, when the account type of the additional account is an investment trust, the second determination unit 14 guides the necessary documents corresponding to the investment trust fund to the heir and obtains the necessary documents from the heir. , Receive a completion notification from the information processing device that manages the investment trust. Further, for example, when the account type of the additional account is JGB, when the JGB payment suspension process is completed, the completion notification is received from the information processing device that manages the JGB. When the government bond payment suspension process is completed, the process proceeds to P6, and the additional account is also added to the inheritance target.

On P9, the instruction unit 15 refers to the preparatory processing database 32 of the management server 3 and instructs the execution of the preparatory processing. For example, when the account type is a government bond, the instruction unit 15 instructs the management server 3 to suspend payment.

On P10, the instruction unit 15 instructs the inheritance execution. For example, when the transfer destination account is specified in the inheritance procedure invoice B2, the instruction unit 15 remits the amount deposited in the inheritance target account to the transfer destination account.

<Action and effect of the embodiment>
In the embodiment, even if an additional account that could not be confirmed at the time of receiving the inheritance confirmation table B1 occurs at the time of receiving the inheritance procedure invoice B2, the work terminal 1 refers to the management database 31 to add the additional account. Check if the account is owned by the decedent. When the work terminal 1 determines that the additional account is owned by the decedent, the work terminal 1 can add the additional account to the inheritance target and instruct the execution of the inheritance process. Therefore, according to the present embodiment, even if an additional account is generated, it is possible to suppress the occurrence of work by the staff of the financial institution and the heir, and it is possible to shorten the time until the inheritance is completed. Further, according to the present embodiment, since the work load of the staff in the inheritance work can be reduced, the cost related to the inheritance work can also be reduced. Further, since the present embodiment can shorten the time until the inheritance is completed, it can also contribute to the improvement of customer satisfaction.

The work terminal 1 according to the embodiment can perform the inheritance preparatory processing according to the account type by referring to the preparatory processing database 32 of the management server 3. Therefore, according to the embodiment, the inheritance to the heir can be smoothly executed.

The work terminal 1 according to the embodiment causes the heir to carry out the inheritance according to the method described in the inheritance procedure request form B2. Therefore, according to the embodiment, the inheritance can be executed in a manner according to the request of the heir.

The work terminal 1 according to the embodiment confirms the existence of an additional account, and if there is no additional account, refers to the preparatory processing database 32 of the management server 3 and instructs the execution of the preparatory processing. Therefore, it is not necessary for the staff of the financial institution to confirm the existence of the additional account, so that the work of the staff of the financial institution can be suppressed and the time until the inheritance is completed can be shortened.

<Modification example>
In the embodiment, as the inheritance process, remittance to the transfer destination account described in the inheritance procedure invoice B2 is exemplified. However, the inheritance process is not limited to remittance to the transfer account. For example, the inheritance procedure invoice B2 is provided with designated items for the inheritance execution method (transfer, name rewriting, certificate payment, cash payment), and the instruction unit 15 instructs the execution of the inheritance according to the specified execution method. May be good.

In the embodiment, the second determination unit 14 determines in P5 of FIG. 8 the customer's name, address, and date of birth associated with the additional account, and the name, address, and date of birth of the decedent acquired in P1. If they match, a positive judgment was made. The second judgment unit 14 includes the customer's name, address, and date of birth associated with the additional account, the name, address, and date of birth of the decedent acquired in P1, and the acquisition unit 11 makes an inheritance procedure invoice. If the name, address, and date of birth of the decedent obtained from B2 match, a positive judgment may be made.

The embodiments and modifications disclosed above can be combined with each other.

<< Computer-readable recording medium >>
An information processing program that enables a computer or other machine or device (hereinafter, computer or the like) to realize any of the above functions can be recorded on a recording medium that can be read by the computer or the like. Then, the function can be provided by causing a computer or the like to read and execute the program of this recording medium.

Here, a recording medium that can be read by a computer or the like is a recording medium that can store information such as data and programs by electrical, magnetic, optical, mechanical, or chemical action and can be read from the computer or the like. To say. Among such recording media, those that can be removed from a computer or the like include, for example, a flexible disc, an optical magnetic disc, a Compact Disc Read Only Memory (CD-ROM), a Compact Disc-Recordable (CD-R), and a Compact Disc-ReWriterable. (CD-RW), Digital Versatile Disc (DVD), Blu-ray Disc (BD), Digital Audio Tape (DAT), 8 mm tape, memory cards such as flash memory, and the like. In addition, there are hard disks, ROMs, and the like as recording media fixed to computers and the like.

1 ... work terminal 11 ... acquisition unit 12 ... collation unit 13 ... first judgment unit 14 ... second judgment unit 15 ... instruction unit 2 ... scanner 3 ... Management server 31 ... Management database 311 ... Ledger inquiry management table 312 ... Customer management table 32 ... Preparation processing database 321 ... Preparation processing management table 101 ... CPU
102 ... Main storage unit 103 ... Auxiliary storage unit 104 ... Communication unit 105 ... Display unit 106 ... Connection unit 500 ... Inheritance office support system B1 ... Inheritance confirmation table D1 ...・ Confirmation screen N1 ・ ・ ・ Network

Claims (6)

An acquisition method for acquiring inherited asset information indicating the assets to be inherited from an inheritance procedure request that specifies the assets of the decedent, and
A determination means for determining whether or not the inherited asset information acquired by the acquisition means includes additional inherited asset information different from the inherited asset information acquired in advance.
When the inherited asset information acquired by the acquisition means does not include the additional inherited asset information, the acquisition means includes an instruction means for instructing the execution of the inheritance work for the assets indicated by the inherited asset information.
Inheritance office support device. The determination means determines whether or not the owner of the asset indicated by the additional inherited asset information is the decedent when the inherited asset information acquired by the acquisition means includes the additional inherited asset information. Is determined by referring to the storage unit that associates the asset with the owner of the asset.
When the owner of the asset indicated by the additional inherited asset information is the decedent, the instruction means also instructs the execution of the inheritance work with the asset indicated by the additional inherited asset information as the target of inheritance.
The inheritance office work support device according to claim 1. The instruction means further instructs the preparatory processing for the execution of the inheritance work according to the type of the asset indicated by the additional inherited asset information.
The inheritance office work support device according to claim 2. The request for inheritance procedure includes designation of an inheritance method from the assets of the decedent.
The instruction means instructs the execution of the inheritance work according to the inheritance implementation method.
The inheritance office work support device according to any one of claims 1 to 3. The computer
The acquisition step to acquire the inherited asset information indicating the inherited asset from the inheritance procedure request that specifies the inherited asset, and the acquisition step.
A determination step for determining whether or not the inherited asset information acquired in the acquisition step includes additional inherited asset information different from the inherited asset information acquired in advance.
When the inherited asset information acquired in the acquisition step does not include the additional inherited asset information, the instruction step of instructing the execution of the inheritance work for the asset indicated by the inherited asset information is executed.
Inheritance office work support method. On the computer
The acquisition step to acquire the inherited asset information indicating the inherited asset from the inheritance procedure request that specifies the inherited asset, and the acquisition step.
A determination step for determining whether or not the inherited asset information acquired in the acquisition step includes additional inherited asset information different from the inherited asset information acquired in advance.
When the inherited asset information acquired in the acquisition step does not include the additional inherited asset information, the instruction step of instructing the execution of the inheritance work for the asset indicated by the inherited asset information is executed.
Inheritance office work support program.

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