JP2021179772A - Information processing device, system, method, and program - Google Patents

Abstract

To provide an information processing device, an information processing method, a program, and an information processing system, in which a commercial entity without an infrastructure or know-hows pertaining to business for financial institutes implements business for clients of the commercial entity as a commercial agency of the financial institutes.SOLUTION: In a service provision business system of a commercial entity system, an information processing device 5 comprises: means for obtaining first user data including a user identifier which identifies a user wishing a loan; a user data format processing section for formatting the first user data into a prescribed format for loan-screening; means for transmitting the formatted first user data to a financial business system 4; means for obtaining second user data including the user identifier associated with the first user data, and a loan condition set by the financial business system based on the first user data; and means for notifying a user terminal 2 used by the user of the obtained second user data.SELECTED DRAWING: Figure 1

Description

The present invention relates to transaction lending.

In the field of fintech, transaction lending is known as a loan form for setting loan conditions for a company based on transaction information held by the company.

For example, Patent Document 1 proposes a loan examination system based on a transaction lending type examination model in which a credit card company's system cooperates with a payment agent's system.

In addition, as a form of transaction lending, a loan service for member stores based on the transaction information of member stores that are members of the EC site, accounting information, transaction information on the EC site, financial institution information, and evaluation sites There is known a loan service for loan applicants based on information that can be linked online, such as evaluation information of POS, sales information of POS, and payment information of payment service.

Japanese Patent No. 6445199

In addition to the above, for businesses that have transaction information with end users but do not have know-how such as financing, businesses that operate financial businesses that are affiliated with the businesses (hereinafter referred to as "financial institutions"). It is desired to propose a system in which a business operator provides financial institution services to end users by providing their own loan know-how.

The present invention provides an information processing device, a system, a method and a program in which a business operator who does not have the infrastructure and know-how related to the business of a financial institution operates as an agent of the financial institution to the customer of the business operator. The purpose is.

[1]
A means of obtaining primary user data, including a user identifier that identifies the user who wishes to lend,
A means of shaping the first user data into a predetermined format for loan screening,
As a means of transmitting the formatted first user data to the financial business system,
A means for acquiring a second user data including a user identifier associated with the first user data and a loan condition set by the financial business system based on the first user data.
A means for notifying the user terminal used by the user of the acquired second user data, and
Information processing device equipped with.

[2]
The step of getting the first user data, including the user identifier that identifies the user who wants the loan,
The step of shaping the first user data into a predetermined format for loan examination, and
The step of transmitting the formatted first user data to the financial business system,
A step of acquiring a second user data including a user identifier associated with the first user data, a loan condition set by the financial business system based on the first user data, and a step of acquiring the second user data.
A step of notifying the user terminal used by the user of the acquired second user data, and
Information processing method that the computer executes.

[3]
A means of obtaining primary user data, including a user identifier that identifies the user who wishes to lend,
A means of shaping the first user data into a predetermined format for loan screening,
A means of transmitting the formatted first user data to a financial business system,
A means for acquiring a second user data including a user identifier associated with the first user data and a loan condition set by the financial business system based on the first user data.
A means for notifying the user terminal used by the user of the acquired second user data,
A program that makes your computer work as.

[4]
Information processing formed by communicably connecting a user terminal used by a user who desires a loan and a business operator system managed by a business operator or a financial institution that provides various services related to the loan to the user. It ’s a system,
The operator system is
A means for acquiring first user data including a user identifier that identifies the user,
A means of shaping the first user data into a predetermined format for loan screening,
A means for acquiring a second user data including a user identifier associated with the first user data and a loan condition set based on the first user data.
An information processing system including an information processing apparatus having a means for notifying a user terminal used by the user of the acquired second user data.

[5]
A user terminal used by a user who desires a loan, a service providing business system managed by a business operator that provides various services to the user, and a loan application from the user in cooperation with the service providing business system. It is an information processing system that is communicably connected to a financial business system managed by a financial institution that examines information.
The service providing business system is
A means for acquiring first user data including a user identifier that identifies the user,
A means of shaping the first user data into a predetermined format for loan screening,
A means for transmitting the formatted first user data to the financial business system,
A means for acquiring a second user data including a user identifier associated with the first user data and a loan condition set by the financial business system based on the first user data.
An information processing system including an information processing apparatus having a means for notifying a user terminal used by the user of the acquired second user data.

According to the present invention, an information processing device, a system, a method and a program in which a business operator who does not have the infrastructure and know-how related to the business of a financial institution operates as an agent of the financial institution for the customer of the business operator. Can be provided.

It is a figure which shows an example of the structure of the information processing system of this invention. It is a figure which shows an example of the loan application input screen displayed on a user terminal. Following FIG. 2, it is a diagram showing an example of a loan application input screen displayed on a user terminal. Following FIG. 3, it is a diagram showing an example of a loan application input screen displayed on a user terminal. Following FIG. 4, it is a diagram showing an example of a loan application completion screen. It is a flow diagram which shows an example of information processing by this invention.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. The information processing system according to one embodiment of the present embodiment comprises a computer that can be connected to a communication network 20 including an Internet communication network and a wireless communication network defined by a wireless communication standard, and can be used as transaction information between a user and a business operator. Based on this, the loan system 1 is a transaction lending in which a financial institution makes a credit determination on a loan application from the user and executes a loan to the user. The financing system 1 of the form shown in FIG. 1 includes a user terminal 2 used by a user who desires a loan, a service providing business system 3 managed by a business operator providing various services to the user, and a service providing business. In cooperation with the system 3, the financial business system 4 managed by the financial institution that examines the loan application information from the user is connected via the communication network 20. Although FIG. 1 has a configuration in which one user terminal 2 and one service providing business system 3 are shown, it is also possible that a plurality of user terminals 2 and the service providing business system 3 are connected to the financial business system 4 respectively. good.

Further, the system may be configured such that the functions in the service providing business system 3 and the functions in the financial business system 4 are distributed to the same system without going through the communication network 20. For example, in the form shown in FIG. 1, the service providing business system 3 and the financial business system 4 are integrated to form a business operator system 9, and the service providing business related to the loan to the user and the user who applied for the loan are provided. The loan business may be managed by the business operator or the financial institution using the business operator system 9.

[User terminal configuration]
The user terminal 2 is a terminal used by a user who newly applies for a loan by using the transaction lending loan service according to the present embodiment. In the present embodiment, the "user" is a trading customer owned by a business operator that provides various services.

The user terminal 2 is a terminal such as a personal computer, a tablet terminal, or a smartphone. The user terminal 2 is provided with an application program such as a web browser for accessing each of the service providing business system 3 and the financial business system 4 and using the loan service. Further, an application program for using the loan service is installed in the user terminal 2 through a user interface with each of the service providing business system 3 and the financial business system 4.

Although not shown in the figure, the user terminal 2 is composed of a CPU or the like, and has an arithmetic processing unit that processes and calculates various data, a main storage unit that stores various data such as a main memory, and an information output unit such as a liquid crystal display. It also has an information input unit such as a touch panel and a communication unit for transmitting and receiving various information.

[Configuration of service provision business system]
The service providing business system 3 is a system composed of one or a plurality of computers, for example, a business operator that provides various services to users on an EC site, and a financial institution provides financial business infrastructure and know-how. In response to this, it is a system managed by a person who operates as an agent of a financial institution or a financial institution for the user who is a trading customer. As shown in FIG. 1, the service providing business system 3 of the present embodiment refers to the information processing device 5 and the database 10 communicably connected to the information processing device 5 (hereinafter, in the present specification, the database is "DB". ".) And. Further, the service providing business system 3 in the form shown in FIG. 1 is managed by a person who performs business as an agent of a financial institution for the user.

The information processing apparatus 5 is a server having a function of providing various services including a loan service by transaction lending according to the present embodiment to a user. The information processing device 5 of the present embodiment includes a loan transaction management unit 6, a user data shaping processing unit 7, and a data transmission / reception unit 8. The loan transaction management unit 6, the user data shaping processing unit 7, and the data transmission / reception unit 8 may be a loan transaction management system, a user data shaping processing system, and a data transmission / reception system, each of which is composed of one or a plurality of computers.

The information processing device 5 functions as a loan transaction management means by the loan transaction management unit 6, a user data shaping processing means by the user data shaping processing unit 7, and a data transmission / reception means by the data transmission / reception unit 8, and cooperates with the financial business system 4. Perform the following processing.

(Process 1) The information processing apparatus 5 causes the user terminal 2 to display a website about a loan service by transaction lending according to the present embodiment based on the access from the user terminal 2 (not shown). In the present embodiment, the loan transaction management unit 6 prompts the user terminal 2 to perform various operations through the user interface with the user terminal 2, and processes information as a means of receiving various information input from the user terminal 2. Make the device 5 function.

(Processing 2) When the information processing apparatus 5 receives an application for the loan service from the user terminal 2, the information processing apparatus 5 provides information about the user who uses the user terminal 2 to the business operator and the financial institution for the purpose of providing the loan service. Prompts the user terminal 2 for permission to use the service.

In the present embodiment, the loan transaction management unit 6 provides information as a means for prompting the user terminal 2 to apply for the loan service by pressing a predetermined selection button or the like on the website for the transaction lending loan service according to the present embodiment. The processing device 5 is made to function. At this time, the loan transaction management unit 6 uses the first user data 11 for the user who applies for the loan service to the user terminal 2 by the business operator and the financial institution for the purpose of providing the loan service. The information processing device 5 is made to function as a means for prompting the user terminal 2 for permission.

The first user data 11 is data of transaction customers owned by the business operator, and is the sales on the POS cash register associated with the user identifier such as the customer number that identifies the user who desires the loan, and the sorting on the accounting system. Dynamic transaction data such as information, deposit / withdrawal information of financial institution accounts, and attribute data such as industry and business type.

(Process 3) The information processing apparatus 5 acquires the first user data 11 including a user identifier that identifies a user who desires a loan.

In the present embodiment, when the user terminal 2 permits the use of the first user data 11 for the user who applies for the loan service by the business operator and the financial institution, and the loan service is applied, the user data shaping processing unit 7 However, the information processing device 5 functions as a means for acquiring the first user data 11 for the user related to the application from the data of the trading customer held by the business operator stored in the DB 10.

(Process 4) The information processing apparatus 5 shapes the acquired first user data 11 into a predetermined format for loan examination.

In the present embodiment, the user data shaping processing unit 7 can acquire the financial business system 4 such as the combination of the transaction data and the attribute data included in the acquired first user data 11 and the conversion of the character code. The information processing apparatus 5 is made to function as a means for shaping the first user data 11.

(Process 5) The information processing apparatus 5 transmits the formatted first user data 11 to the financial business system 4.

In the present embodiment, the data transmission / reception unit 8 causes the information processing device 5 to function as a means for linking the formatted first user data 11 to the financial business system 4. The data transmission / reception unit 8 may transmit the formatted first user data 11 to the financial business system 4 under the condition that the formatted first user data 11 matches a predetermined format. .. For example, in the attribute data, when the business type of the user conflicts with public order and morals, or when the business type is designated by another financial institution, the data transmission / reception unit 8 transfers the formatted first user data 11 to the financial business system 4. It is not necessary to cooperate.

(Process 6) The information processing apparatus 5 is a second user including a user identifier associated with the first user data 11 and a financing condition set by the financial business system 4 based on the first user data 11. Acquire the data 12.

In the present embodiment, the data transmission / reception unit 8 is a second user data 12 including a user identifier associated with the first user data 11 stored in the DB 17 of the financial business system 4 described later, a loan condition, and the like. The information processing device 5 is made to function as a means for receiving cooperation. In the information processing apparatus 5 linked with the second user data 12, the second user data 12 is stored in the DB 10.

(Process 7) The information processing apparatus 5 notifies the user terminal 2 of the acquired second user data 12.

In the present embodiment, the loan transaction management unit 6 causes the information processing device 5 to function as a means for notifying the user terminal 2 of the acquired second user data 12. In addition, the loan transaction management unit 6 may make the information processing apparatus 5 function as a data output means such as printing the acquired second user data 12. On the user terminal 2 to which the second user data 12 is notified, not only the loan conditions based on the notification are displayed, but also a predetermined loan contract form for concluding a loan contract as shown in FIGS. 2 to 4 is displayed. Is displayed. The loan transaction management unit 6 is a user associated with the second user data 12, that is, another user terminal used by a user other than the user who applied for the loan service, and uses the second user data 12. The information processing device 5 can also be made to function as a means for prompting the user terminal 2 to additionally specify another user terminal that can be viewed.

Further, in the present embodiment, when the information processing apparatus 5 functions as a means for notifying the user terminal 2 of the acquired second user data 12, the data transmission / reception unit 8 stores the acquired second user data 12 in the DB 17 of the financial business system 4, which will be described later. The second user data 12 is stored in the DB 10 in the information processing apparatus 5 in response to the linkage of the second user data 12 including the user identifier associated with the first user data 11 and the financing conditions. Instead, the loan transaction management unit 6 may notify the acquired second user data 12 to the user terminal 2.

(Process 8) The information processing device 5 prompts the user terminal 2 to input the loan application data within the range of the loan conditions included in the second user data 12.

In the present embodiment, the loan transaction management unit 6 displays the loan contract form as shown in FIGS. 2 to 4 on the user terminal 2, and the range of the loan conditions (see FIG. 3) included in the second user data 12. The information processing device 5 is made to function as a means for prompting input of loan application data such as a desired amount of borrowing, a desired date of borrowing, and the number of repayments.

(Process 9) The information processing device 5 transmits the input loan application data to the financial business system 4.

In the present embodiment, the loan transaction management unit 6 links the input loan application data to the financial business system 4, and informs and displays the loan contract conclusion completion information as shown in FIG. 5 on the user terminal 2. The processing device 5 is made to function. It should be noted that the input loan application data may be linked to the financial business system 4 under the condition that it matches the set format.

[Structure of financial business system]
The financial business system 4 is a system composed of one or a plurality of computers, for example, a business operator that provides various services to users on an EC site, and a financial institution provides financial business infrastructure and know-how. It is a system managed by a person who operates as an agent of a financial institution or a financial institution for the user who is a trading customer. As shown in FIG. 1, the financial business system 4 of the present embodiment communicates with the user data processing unit 13, the model input data processing unit 14, the credit processing unit 15, the accounting system processing unit 16, and the like. It is composed of DB17 and DB17 which are connected as possible. Further, in the form shown in FIG. 1, the financial institution manages the financial business system 4.

In the financial business system 4 linked to the first user data 11 from the service providing business system 3 in the above-mentioned (process 5), the first user data 11 is stored in the DB 17.

Further, the first user data 11 is linked to the user data processing unit 13. The user data processing unit 13 converts the transaction data included in the first user data 11 into predetermined model input data 18 applicable to the credit model included in the model input data processing unit 14 described later. , Save this in DB17. If the mode of the transaction data is a mode applicable to the credit model, the conversion process is not performed.

The model input data 18 is linked to the model input data processing unit 14. The model input data processing unit 14 inputs the model input data 18 to the credit model created in advance and converts it into the model result data 19. As the credit model, various credit models such as a model for predicting the bankruptcy probability of the user and a model for calculating the lending amount to the user can be adopted. The model result data 19 output by the credit model is stored in the DB 17.

The model result data 19 is linked to the credit processing unit 15. The credit processing unit 15 creates loan condition data including a combination of the loan interest rate and the loan amount based on the model result data 19, links this to the user identifier, and stores it in the DB 17 as the second user data 12. do.

The second user data 12 stored in the DB 17 is linked to the service providing business system 3. In the service providing business system 3, the above-mentioned (process 6) is performed.

In the above-mentioned (process 9), the input loan application data is linked to the credit processing unit 15 of the financial business system 4.

The credit processing unit 15 gives a remittance instruction to the accounting processing unit 16 in order to execute a loan to the user.

The core banking processing unit 16 remits the loan to the account of the financial institution designated by the user based on the remittance instruction from the credit processing unit 15.

As described above, in this embodiment, a business operator having transaction information with a trading customer but not having a financial system receives a financial business system provided by a financial institution affiliated with the business operator. Therefore, it is a system that operates as an agent of a financial institution for trading customers. Therefore, for a financial institution, for example, it is possible to reduce the burden associated with building a customer base by the financial institution itself by means such as mass marketing. In addition, for the business operator, it is possible to meet the financial needs of the trading customers who potentially hold the existing service, and as a result, it is possible to improve the customer satisfaction and the like.

[Loan examination process flow]
An example of the loan examination processing flow according to the present embodiment will be described with reference to FIG.

(S101)
The loan transaction management unit 6 of the information processing apparatus 5 causes the user terminal 2 to display a website about a loan service by transaction lending based on the access from the user terminal 2.
The loan transaction management unit 6 prompts the user terminal 2 to apply for the loan service by pressing a predetermined selection button or the like on the website about the loan service by transaction lending. At this time, the loan transaction management unit 6 uses the first user data 11 for the user who applies for the loan service to the user terminal 2 by the business operator and the financial institution for the purpose of providing the loan service. Prompt the user terminal 2 for permission.

(S102)
When the use of the first user data 11 for the user who applies for the loan service by the user terminal 2 is permitted by the business operator and the financial institution and the loan service is applied, the user data shaping processing unit 7 stores in the DB 10. The first user data 11 about the user related to the application is acquired from the data of the transaction customer held by the business operator.
The user data shaping processing unit 7 uses the first user data 11 in a format that can be acquired by the financial business system 4, such as combining transaction data and attribute data contained in the acquired first user data 11 and converting character codes. To shape.

(S103)
The data transmission / reception unit 8 transmits the formatted first user data 11 to the financial business system 4. In the financial business system 4, the first user data 11 is stored in the DB 17.

(S104)
The first user data 11 is linked to the user data processing unit 13. The user data processing unit 13 converts the transaction data included in the first user data 11 into predetermined model input data 18 applicable to the credit model included in the model input data processing unit 14. Is saved in DB17.

(S105)
The model input data 18 is linked to the model input data processing unit 14. The model input data processing unit 14 inputs the model input data 18 to the credit model created in advance and converts it into the model result data 19. The model result data 19 output by the credit model is stored in the DB 17.

(S106)
The model result data 19 is linked to the credit processing unit 15. The credit processing unit 15 creates loan condition data based on the model result data 19, associates it with the user identifier, and stores it in the DB 17 as the second user data 12.

(S107)
The second user data 12 stored in the DB 17 is transmitted to the service providing business system 3. The data transmission / reception unit 8 of the service providing business system 3 stores the received second user data 12 in the DB 10.

(S108)
The loan transaction management unit 6 notifies the user terminal 2 of the acquired second user data 12. On the user terminal 2, not only the loan conditions are displayed based on the notified second user data 12, but also a predetermined loan contract form for concluding a loan contract as shown in FIGS. 2 to 4 is displayed. ..
Although not shown, the loan transaction management unit 6 may print the acquired second user data 12 by a data output means such as a printing unit.
The loan transaction management unit 6 notifies and displays the loan contract form as shown in FIGS. 2 to 4 on the user terminal 2, and the desired loan amount and the desired loan within the range of the loan conditions included in the second user data 12. Prompt to enter loan contract data such as date and number of repayments.

(S109)
The loan transaction management unit 6 transmits the input loan application data to the financial business system 4, and notifies the user terminal 2 of the loan contract conclusion completion information as shown in FIG. 5 and displays it.

(S110)
In the financial business system 4, the received loan application data is linked to the credit processing unit 15.
The credit processing unit 15 gives a remittance instruction to the accounting processing unit 16 in order to execute a loan to the user.
The core banking processing unit 16 remits the loan to the account of the financial institution designated by the user based on the remittance instruction from the credit processing unit 15.

1 Loan system 2 User terminal 3 Service provision business system 4 Financial business system 5 Information processing device 6 Loan transaction management department 7 User data shaping processing department 8 Data transmission / reception department 9 Business operator system 10 Database 11 First user data 12 Second User data 13 User data processing unit 14 Model input data processing unit 15 Credit processing unit 16 Account system processing unit 17 Database 18 Model input data 19 Model result data 20 Communication network

Claims (8)

A means of obtaining primary user data, including a user identifier that identifies the user who wishes to lend,
A means of shaping the first user data into a predetermined format for loan screening,
As a means of transmitting the formatted first user data to the financial business system,
A means for acquiring a second user data including a user identifier associated with the first user data and a loan condition set by the financial business system based on the first user data.
A means for notifying the user terminal used by the user of the acquired second user data, and
Information processing device equipped with. The information processing apparatus according to claim 1, further comprising means for urging the user terminal to permit a third party other than the user associated with the first user data to use the first user data. For the user terminal, additional designation of another user terminal used by a user other than the user associated with the second user data and capable of viewing the second user data is specified. The information processing apparatus according to claim 1 or 2, further comprising means for prompting. A means for prompting the user terminal to input loan application data within the range of the loan conditions included in the second user data.
The information processing apparatus according to any one of claims 1 to 3, further comprising a means for transmitting the input loan application data to the financial business system. The step of getting the first user data, including the user identifier that identifies the user who wants the loan,
The step of shaping the first user data into a predetermined format for loan examination, and
The step of transmitting the formatted first user data to the financial business system,
A step of acquiring a second user data including a user identifier associated with the first user data, a loan condition set by the financial business system based on the first user data, and a step of acquiring the second user data.
A step of notifying the user terminal used by the user of the acquired second user data, and
Information processing method that the computer executes. A means of obtaining primary user data, including a user identifier that identifies the user who wishes to lend,
A means of shaping the first user data into a predetermined format for loan screening,
A means of transmitting the formatted first user data to a financial business system,
A means for acquiring a second user data including a user identifier associated with the first user data and a loan condition set by the financial business system based on the first user data.
A means for notifying the user terminal used by the user of the acquired second user data,
A program that makes your computer work as. Information processing formed by communicably connecting a user terminal used by a user who desires a loan and a business operator system managed by a business operator or a financial institution that provides various services related to the loan to the user. It ’s a system,
The operator system is
A means for acquiring first user data including a user identifier that identifies the user,
A means of shaping the first user data into a predetermined format for loan screening,
A means for acquiring a second user data including a user identifier associated with the first user data and a loan condition set based on the first user data.
An information processing system including an information processing apparatus having a means for notifying a user terminal used by the user of the acquired second user data. A user terminal used by a user who desires a loan, a service providing business system managed by a business operator that provides various services to the user, and a loan application from the user in cooperation with the service providing business system. It is an information processing system that is communicably connected to a financial business system managed by a financial institution that examines information.
The service providing business system is
A means for acquiring first user data including a user identifier that identifies the user,
A means of shaping the first user data into a predetermined format for loan screening,
A means for transmitting the formatted first user data to the financial business system,
A means for acquiring a second user data including a user identifier associated with the first user data and a loan condition set by the financial business system based on the first user data.
An information processing system including an information processing apparatus having a means for notifying a user terminal used by the user of the acquired second user data.

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