JP2022137665A - Financial institution account information management device, control method for financial institution account information management device, and control program for financial institution account information management device - Google Patents

Abstract

To provide a financial institution account information management device and the like that confirm whether or not leakage has occurred in a financial institution account or the like declared by a person who desires a loan or a person subjected to credit investigation.SOLUTION: A financial institution account information management device 10 includes: a declared financial institution account information storage part 15 for storing declared financial institution account information that is financial institution account information on financial institutions declared by an object person who is a target of loans or credit investigation; the same name financial institution account information determination part 16 for determining whether or not the same name financial institution account information exists that is another financial institution account information of the same name as the object person, in remittance source information or remittance destination information of the declared financial institution account information; and an inclusion information determination part 20 for determining whether or not the declared financial institution account information contains the same name financial institution account information. When the declared financial institution account information does not contain the same name financial institution account information, the same name financial institution account information is displayed in a display part 13 as non-declared financial institution account information.SELECTED DRAWING: Figure 1

Description

The present invention relates to, for example, a financial institution account information management device for managing financial institution account information related to credit checks, loans, etc., a control method for the financial institution account information management device, and a control program for the financial institution account information management device.

Conventionally, there has been a problem that a person who wishes to obtain a loan from a financial institution, etc. or a person who undergoes a credit check needs to submit to the financial institution a large number of documents necessary for examination of the loan, etc., which is complicated. .
Therefore, in order to avoid the problem of applicants, etc. submitting a large number of screening documents, information on the need for business funds, etc., is estimated based on the financial institution account information of applicants, etc., for loans. A configuration has been proposed in which it is automatically determined whether or not financing is possible. (For example, Patent Document 1, etc.)
Even in this case, in order to make so-called credit decisions regarding loans, etc., based on the financial institution account information of the person who has applied for the loan, etc., the person, etc. who wishes to receive the loan, etc. must declare all of their financial institution accounts, etc. Without it, a highly reliable credit decision cannot be made.

Japanese Patent No. 6619529

However, in reality, many people who apply for loans or undergo credit checks do not report accounts at financial institutions that show their financial status unfavorable to them, making it difficult to make highly accurate credit decisions. was difficult.

Therefore, the present invention provides a financial institution account information management device and a financial institution account information management device for confirming whether or not there are omissions in the financial institution accounts declared by a person who wishes to receive a loan or a person who undergoes a credit check. An object of the present invention is to provide a control method and a control program for a financial institution account information management device.

In the present invention, the above object is at least declared financial institution account information for storing the declared financial institution account information, which is the financial institution account information of the financial institution declared by the subject who is the subject of either a loan or a credit check. Financial institution account information with the same name, which is other financial institution account information with the same name as the target person, exists in the storage unit and at least one of the remittance source information and the remittance destination information of the declared financial institution account information. a same-name financial institution account information determination unit that determines whether or not, and an inclusion information determination unit that determines whether the same-name financial institution account information is included in the reported financial institution account information, When the same-name financial institution account information is not included in the declared financial institution account information, the same-name financial institution account information is displayed on the display unit as non-declared financial institution account information. is achieved by a financial institution account information management device characterized by

According to the above configuration, at least the reporting financial institution account information (for example, B bank B1 account, etc.), remittance source information (for example, transfer destination, transfer destination, etc.) or remittance destination information (for example, receiving transfer destination, transfer A financial institution account with the same name that determines whether or not there is another financial institution account information with the same name as the target person (e.g., company A, etc.) It has an information judgment part.
Therefore, if the same name financial institution account information determination unit finds, for example, an incoming transfer from the same name as the loan applicant in the reported financial institution account information, the same name financial institution account is It is determined that there is a high possibility of

Further, according to the above configuration, there is provided an inclusion information determination unit that determines whether or not the financial institution account information with the same name is included in the declared financial institution account information.
Therefore, the inclusion information determination unit determines whether or not the financial institution account with the same name as described above is already included in the declared financial institution account declared by the subject.

Furthermore, according to the above configuration, when the same-name financial institution account information is not included in the declared financial institution account information, the same-name financial institution account information is displayed on the display unit as non-declared financial institution account information. It has become.
Therefore, if the financial institution account information with the same name is not included in the declared financial institution account information declared by the loan applicant, the account is judged to be the undeclared financial institution account information of the target person, and indicate.
As described above, according to the present invention, it is possible to confirm whether or not there is any omission in the financial institution account information declared by the subject.

Preferably, the financial institution account information management device, based on at least either public or private information related to the subject, provides at least the financial institution information of the subject other than the declared financial institution account information, or the Any information of financial institution account information is acquired and displayed on the display unit.

According to the above configuration, at least either public (for example, the homepage of the organization to which the loan applicant belongs, etc.) or private (for example, information on the company profile research agency, etc.) information on the target person Based on, at least unreported financial institution information or financial institution account information of the subject can be obtained.

Preferably, the financial institution account information management device, only when the inclusion information determination unit determines that the non-reported financial institution account information is not included, at least based on either the public or private information and acquiring at least one of the financial institution information or the financial institution account information of the subject other than the reported financial institution account information and displaying it on the display unit.

According to the above configuration, only when the inclusion information determination unit determines that the non-reported financial institution account information is not included, at least based on either public or private information, the unreported financial information of the loan applicant It is configured to acquire institutional information and financial institution account information.
In general, when undeclared account information is obtained from public or private information, the reliability of the information is low, and there is a strong desire to be cautious when presenting the results to loan applicants.

On the other hand, when undeclared account information cannot be obtained from the target person's reported financial institution account information, there is also a strong desire to obtain some kind of account information.
Therefore, in the present invention, only when the inclusion information determination unit determines that the non-declared financial institution account information is not included, by acquiring the undeclared financial institution information and account information of the target person from public information etc. It is designed to meet the needs of both parties.

In the present invention, the above object is at least declared financial institution account information for storing the declared financial institution account information, which is the financial institution account information of the financial institution declared by the subject who is the subject of either a loan or a credit check. having a storage unit, based on at least either public or private information about the subject, at least the financial institution information or the financial institution account information of the subject other than the declared financial institution account information This is achieved by a financial institution account information management device characterized by acquiring such information and displaying it on a display unit.

Preferably, when the financial institution account information management device cannot acquire at least information other than the declared financial institution account information, either the financial institution information or the financial institution account information, the financial institution with the same name The account information determination unit sets at least either the remittance source information or the remittance destination information of the declared financial institution account information to the same name financial institution account information that is the other financial institution account information with the same name as the target person. exists, the inclusion information determination unit determines whether the same-name financial institution account information is included in the declared financial institution account information, and determines whether the same-name financial institution account information is included in the declared financial institution account information. When not included in the financial institution account information, the same name financial institution account information is displayed on the display unit as undeclared financial institution account information.

In the present invention, the above object is at least declared financial institution account information for storing the declared financial institution account information, which is the financial institution account information of the financial institution declared by the subject who is the subject of either a loan or a credit check. A control method for a financial institution account information management device having a storage unit, wherein the same-name financial institution account information determination unit stores at least one of the remittance source information and the remittance destination information in the declared financial institution account information and the target determines whether or not there exists financial institution account information with the same name that is other financial institution account information with the same name as the person, and the inclusion information determination unit determines whether the financial institution account information with the same name If the same name financial institution account information is not included in the declared financial institution account information, the same name financial institution account information is displayed as undeclared financial institution account information This is achieved by a control method for a financial institution account information management device, characterized in that it is configured to display on the part.

In the present invention, the above object is at least declared financial institution account information for storing the declared financial institution account information, which is the financial institution account information of the financial institution declared by the subject who is the subject of either a loan or a credit check. In a financial institution account information management device having a storage unit, the same name financial institution account information determination unit stores at least either the remittance source information or the remittance destination information in the declared financial institution account information A function of judging whether or not financial institution account information with the same name, which is other financial institution account information, exists. a function to determine whether or not said financial institution account information with the same name is displayed on the display unit as non-reported financial institution account information when said same name financial institution account information is not included in said declared financial institution account information is achieved by the control program of the financial institution account information management device for realizing the function of

INDUSTRIAL APPLICABILITY As described above, the present invention provides a financial institution account information management apparatus and a financial institution account information management apparatus for confirming whether or not there are omissions in financial institution accounts declared by persons desiring financing or undergoing credit checks. There is an advantage that it is possible to provide a control method for an information management device and a control program for a financial institution account information management device.

1 is a schematic diagram showing an overview of an "account information acquisition device 10" which is an embodiment of a "financial institution account information management device" of the present invention; 3 is a schematic flow chart showing an operation example of the "account information acquisition device 10" according to the present embodiment; FIG. 11 is another schematic flow chart showing an operation example of the “account information acquisition device 10” according to the present embodiment; FIG. It is a schematic flowchart which shows a research process, such as non-disclosure information.

BEST MODE FOR CARRYING OUT THE INVENTION Preferred embodiments of the present invention will now be described in detail with reference to the accompanying drawings.
It should be noted that the embodiments described below are preferred specific examples of the present invention, and therefore are subject to various technically preferable limitations. Unless otherwise stated, the invention is not limited to these modes.

FIG. 1 is a schematic diagram showing an outline of an "account information acquisition device 10" which is an embodiment of a "financial institution account information management device" of the present invention.
The account information acquisition device 10 of FIG. 1 has a computer, and the computer has a CPU (Central Processing Unit), a RAM (Random Access Memory), a ROM (Read Only Memory), a hard disk, etc., and is connected via a bus. It is

In addition, as shown in FIG. 1, the account information acquisition device 10 has a control unit 11. The control unit 11 has a "communication device 12" for accessing a website (homepage) or the like via the Internet network. , a display unit for displaying various information, for example, a “display 13”, and various information input devices 14 such as a keyboard for inputting various information.

In addition, as shown in FIG. 1, the control unit 11 has a “declared financial institution account information storage unit 15”, a “same name financial institution account information determination unit 16”, a “same name financial institution account information storage unit 17”, and a “same name financial institution account information storage unit 17”. transfer judgment unit 18”, “same financial institution account information storage unit 19”, “first included information judgment unit 20”, “first undeclared financial institution account information storage unit 21”, “different financial institution account information storage unit 22”, “second inclusion information determination unit 23”, “second undeclared financial institution account information storage unit 24”, “non-public information investigation unit 25”, “non-public information investigation result storage unit 26” , the ``public information investigation unit 27'' and the ``public information investigation result storage unit 28'', the contents of which will be described later.

2 to 4 are schematic flowcharts showing an operation example of the "account information acquisition device 10" according to this embodiment.
In the present embodiment, at least Company A, which is a target of either a loan or a credit check, has an account, which is financial institution account information, at a financial institution such as a bank or a credit union. there is
Specifically, they have accounts B1 and B2 at Bank B, C1 and C2 accounts at Bank C, E1 account at E Shinkin Bank, and F1 account at F Shinkin Bank (the name is the old name of Company A). .

In the present embodiment, when Company A, which has such an account, applies for a loan to a D public financial institution, for example, the D public financial institution sends A bank There was a request to submit account information such as.
On the other hand, Company A thought that it would suffice to submit its main account information, and submitted only the account information of B1 account of B bank and C1 account of C bank.

Public financial institution D uses the "account information acquisition device 10" in FIG. do.
The present embodiment will be specifically described below using the above example.
In the present embodiment, an example of investigating financial institution account information and the like for a loan will be described, but the present invention is not limited to this. It does not matter if you are investigating

First, in step (hereinafter referred to as "ST") 1 in Figure 2, the person in charge of public financial institution D checks the accounts of "B1 account of B bank" and "C1 account of C bank" submitted by A company. The information is input to the "account information acquisition device 10".

Then, the input "account information" is stored in the "declared financial institution account information storage unit 15" in FIG.
This input "account information" is an example of "declared financial institution account information".

As a specific example, data such as deposits and withdrawals for each date for the past five years in each of the B1 and C1 accounts is input and stored.
In addition, the date-based deposit/withdrawal data includes information such as dates, payment items, payment items, and amounts.
The "withdrawal item" includes the remittance destination information, such as the name of the recipient, the name of the transferee, etc., and the "receipt item" includes the remittance source information, such as the name of the recipient, The name of the transfer source, etc. are included.

Next, go to ST2. In ST2, the "same name financial institution account information determination unit (program) 16" of FIG. , the name of the payee, the name of the transferee, and the remittance destination information, such as the name of the recipient of the transfer, the name of the transferor, etc., include the name or abbreviation of "Company A," which is the applicant for financing. to decide.

Then, when it is determined in ST3 that the deposit/withdrawal data of the B1 account includes the name or abbreviation of "Company A", the process proceeds to ST4.
In ST4, the account name and account number of the financial institution that includes the name or abbreviation of "A company" (for example, B2 account) is set as "same name financial institution account information", and the "same name financial institution store in the account information storage unit 17”.

On the other hand, when it is determined that the name or abbreviation of "Company A" is not included in the deposit/withdrawal data of the B1 account, etc., the process proceeds to the "undisclosed information investigation step" described later.

If it is stored in the "same name financial institution account information storage unit 17" in ST4, the process proceeds to ST5. In ST5, the ``transfer etc. judgment unit (program) 18'' in FIG. Determining whether the "deposit item" or "withdrawal item" is either "transfer" or "transfer".

Then, if it is determined in ST5 that it is "transfer", the process proceeds to ST6. In ST6, the same transfer determination unit 18 operates, and the account name and account number of the financial institution containing the name of company A (for example, B2 account) is described as the name of company A as deposit/withdrawal data. It is determined to be the account of the same "financial institution (for example, B bank)" as the account information (for example, B1 account) that has been stored, and is stored in the "same financial institution account information storage unit 19" in FIG.

Next, go to ST7. In ST7, the inclusive information judging unit, for example, the "first inclusive information judging unit (program)" 20 in FIG. B2 account) is included in the "declared financial institution account information" of the "declared financial institution account information storage unit 15".

In this embodiment, since the B2 account is not included in the "declared financial institution account information", the account (B2 account) is referred to as the undeclared financial institution account information. information" in the "first undeclared financial institution account information storage unit 21" in FIG.

Next, go to ST8. In ST8, the display 13 displays, as the first non-reported financial institution account information, for example, "B2 account" (account number) information of "B bank".
Therefore, the person in charge, who is the user of the device 10, can know that Company A has account B2 of Bank B, and can know other bank accounts of Bank B that Company A has not declared. be able to.

As described above, according to the present embodiment, based on the information of the B1 account of Bank B, which is the declared financial institution account information of Company A, an undeclared undeclared It is possible to investigate and find out whether or not the company has another account of the declaration, display the fact on the display 13, and confirm omissions in the account information of the declaration of company A.

In addition, in this embodiment, Company A's If the name or abbreviation is included, there is a high possibility of a transfer from Company A to Company A.
Therefore, it is possible to effectively find undeclared accounts of company A by examining the accounts of the transfer destination and the transfer source.

By the way, when it is judged in ST5 that it is not "transfer", it is judged as "transfer" and the process proceeds to ST9.
In ST9, the transfer judgment unit 18 operates, and the account name and account number of the financial institution containing the name of company A are changed to the account information (for example, , B1 account), and stores it in the "different financial institution account information storage unit 22" in FIG.

Next, proceeding to ST10, the "second inclusion information determination unit (program) 23" of FIG. It is determined whether or not it is included in the "declared financial institution account information" of the "declared financial institution account information storage unit 15".

In this embodiment, the C1 account of Bank C is not included in the "declared financial institution account information".
Therefore, it is determined in ST10 that it is not included, and the C1 account is stored in the "second undeclared financial institution account information storage unit 24" as "second undeclared financial institution account information".
Also, the bank name and the like are retrieved from the bank name and the like, which are the financial institution name and the account number including the name and the like of company A, for example, the C1 account, and, for example, bank C is specified.

Next, go to ST11. In ST11, the display 13 displays the fact that "C2 account" (account number) information of "C bank" has been acquired as the second undeclared financial institution account information.

The person in charge who is the user of the same device 10 can grasp that Company A has C2 account of Bank C, and can grasp other bank accounts other than Bank B which Company A has not declared. .

As described above, according to the present embodiment, based on the information of the B1 account of Bank B, which is the declared financial institution account information of Company A, the undeclared undeclared It is possible to investigate whether or not there is another account (C2 account) in the declaration, find out, display the fact on the display 13, and confirm omissions in the account information in the declaration of company A.

In addition, in the present embodiment, the name of the payee, the name of the payee, etc. of the "withdrawal item" and "receipt item" of the data on deposits and withdrawals, etc. of the declared account of Company A (B1 account, etc.) are If the name or abbreviation of company A is included, there is a high possibility that it is a transfer from company A to company A.
Therefore, it is possible to effectively find an undeclared account of company A by checking the account of the name of the name of the recipient of the transfer or the name of the recipient of the transfer.

By the way, when it is judged in ST3 that the deposit/withdrawal data of the B1 account does not contain the name or abbreviation of "Company A", the process proceeds to the "undisclosed information investigation step".
FIG. 4 is a schematic flow chart showing the non-public information investigation process.
In this embodiment, in ST3, even if the name or abbreviation of "Company A" is not included in the input/output data such as account B1, there is a possibility that there is an undeclared bank account of Company A. It is a process to be executed for

First, in ST21 of FIG. 4, the "non-public information investigation unit (program) 25" of FIG. access to websites (homepages), etc. that provide financial information and company accounting information, etc., obtain information on financial institutions and financial institution accounts that have transactions with Company A, The result is stored in the result storage unit 26''.

Specifically, for example, information is obtained by accessing the "cloud accounting system" already registered by company A, the website of a research company (organization) such as a corporate data bank, or the like.
Based on information such as which bank has a deposit balance and which bank has a borrowing balance, company A estimates which bank has an account named "A company".

In the present embodiment, for example, Company A obtains information that it has a loan balance at E Shinkin Bank as non-disclosed information, and from this, Company A presumes that it has an account at E Shinkin Bank. The information is stored in the "undisclosed information investigation result storage unit 26".

Next, in ST22, the display 13 indicates that it is possible to presume that the account of Company A exists in E Shinkin Bank.

As described above, in the present embodiment, even if it is not possible to obtain other undeclared account information from the B1 account of B bank declared by A company, company A can It is possible to obtain information on financial institutions such as banks that have a high probability of having such as D, and financial institution account information such as bank accounts, and provide information to the person in charge of financing of D public financial institutions.

In this embodiment, not only the above-mentioned non-public information but also public information is investigated, and existence possibility information such as banks and bank accounts with which company A has transactions is acquired.
Therefore, the process proceeds to ST23. In ST23, the "public information research section (program) 27" shown in FIG. 1 operates to retrieve public information about company A, such as the home pages (websites) of companies, organizations, public institutions, etc. related to financial institutions. Then, transaction information and the like between company A and financial institutions are acquired and stored in the "public information investigation result storage unit 28" shown in FIG.

Specifically, the search is performed using keywords such as industry, region, and attributes. (store name) and area (region), (4) company name (store name) and business type, (5) company name (store name), area and business type, (6) company name (store name) and representative name, and the like.

In this embodiment, when searching the homepages of organizations related to financial institutions, information was obtained stating that there was a transaction with F Shinkin Bank under the former name of Company A. remaining, and stores that effect in the "public information investigation result storage unit 28".

Next, the process proceeds to ST24, and the display 13 displays the possibility that an account with the old name of Company A exists in the F Shinkin Bank.

As described above, in this embodiment, even if other account information cannot be obtained from the B1 account of Bank B declared by Company A, if Company A has an account, etc. based on public information, It is possible to acquire information on financial institutions such as banks and bank accounts that are highly likely to be in existence, and to provide information to persons in charge of financing at D public financial institutions.

In addition, the person in charge of financing at a public financial institution D, who has acquired the information on the undeclared bank account of company A displayed on the display 13 by the device 10 through the above-described process according to the present embodiment, is presented to company A, it is possible to encourage self-reporting of accounts of financial institutions with which company A has transactions.

In the present embodiment, as described above, non-public information and public information are used to obtain undeclared financial institution account information, etc. of company A, but the present invention is not limited to this, and the results of research based on public information, it is possible to obtain information on financial institutions such as banks with which company A has transactions and financial institution account information such as bank accounts.

For example, most of the public information is information for indicating the general creditworthiness of the company, and the dealing financial institution information is generally not essential.
On the other hand, non-disclosed information mainly includes specific credit investigations of companies, so financial institution information is essential, and particularly includes financial institution information that companies do not want to disclose.
In this way, by acquiring, for example, financial institution information from both different viewpoints, mutual complementation is realized, and the whole picture of the dealing financial institution information can be comprehended more exhaustively.

In this embodiment, as described above, not only the deposit and withdrawal data of the "declared financial institution account information" such as the B1 account and C1 account of Company A, but also other "public information" and "non-public information" are used. In order to do so, we will investigate Company A's undeclared financial institution account information, etc., for the following reasons.

The above-mentioned non-public information and public information are less reliable than company A's account information.
On the other hand, if undeclared account information cannot be obtained from the declared financial institution account information such as B1 account and C1 account of company A, there is a strong demand to obtain some kind of account information.
Therefore, in the present embodiment, only when the first inclusion information determination unit 20 or the like determines that the first non-declared financial institution account information, etc., is not included, company A's undisclosed information, public information, etc. By acquiring the account information of the declaration, it is configured to satisfy the needs of both parties.

In addition, unlike the above-described embodiment, the present invention first acquires information on company A's undeclared financial institutions, etc. from non-public information and public information on company A, and with these non-public information and public information, When information on undeclared financial institutions, etc. of company A cannot be obtained, the undeclared account information may be obtained from the "declared financial institution account information" of company A.

In the present embodiment described above, the case where it is realized as a device has been described as an example, but the present invention is not limited to this, and programs that can be executed by a computer include a magnetic disk, an optical disk (CD - ROM, DVD, etc.), magneto-optical disk (MO), semiconductor memory, or other storage media and may be stored and distributed.

Also, the storage medium may be any storage medium that can store the program and is readable by the computer. The storage format of the storage medium is not particularly limited.

In order to realize this embodiment, the OS (operating system) running on the computer based on the instructions of the program installed in the computer from the storage medium, the MW (middleware) such as database management software, network software, etc. You may perform a part of each process of .

Furthermore, the storage medium in the present invention is not limited to a medium independent of a computer, and includes a storage medium in which programs transmitted via LAN, Internet, etc. are downloaded and stored or temporarily stored.

Further, the computer in the present invention may execute each process in the present embodiment based on a program stored in a storage medium, and may be a device consisting of a single personal computer or the like, or a plurality of devices connected to a network. It may be a system or the like.

In addition, the computer in the present invention is not limited to a personal computer, but includes arithmetic processing units, microcomputers, etc. included in information processing equipment, and collectively refers to equipment and devices capable of realizing the functions of the present invention by means of a program. ing.

The embodiments of the present invention have been described above. However, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the scope of the claims. Some of the configurations of the above embodiments may be omitted, or may be arbitrarily combined in a manner different from the above.

10...account information acquisition device, 11...control unit, 12...communication device, 13...display, 14...various information input device, 15...declared financial institution account information storage unit, 16...Same name financial institution account information determination unit 17...Same name financial institution account information storage unit 18...Transfer etc. determination unit 19...Same name financial institution account information storage unit 20... 1st inclusion information determination unit 21 . . . 1st non-reported financial institution account information storage unit 22 . . . . Second non-declared financial institution account information storage unit 25 . Non-public information investigation unit 26 . Public information survey results storage unit

Claims (7)

a declared financial institution account information storage unit that stores at least declared financial institution account information, which is financial institution account information of a financial institution declared by a subject who is the subject of either a loan or a credit check;
Whether or not financial institution account information with the same name, which is other financial institution account information with the same name as the target person, exists in at least one of the remittance source information and the remittance destination information. a same-name financial institution account information judgment unit that judges;
an inclusion information determination unit that determines whether the same-name financial institution account information is included in the declared financial institution account information;
When the same-name financial institution account information is not included in the declared financial institution account information, the same-name financial institution account information is displayed on the display unit as non-declared financial institution account information. A financial institution account information management device characterized by: Acquire at least the financial institution information or the financial institution account information of the subject other than the declared financial institution account information based on at least either public or private information about the subject , is displayed on the display unit. Only when the inclusion information determination unit determines that the undeclared financial institution account information is not included, at least based on either the public or private information, the subject other than the declared financial institution account information 3. The financial institution account information management device according to claim 2, wherein at least one of the financial institution information and the financial institution account information is acquired and displayed on the display unit. having a declared financial institution account information storage unit that stores at least declared financial institution account information, which is financial institution account information of a financial institution declared by a subject who is the subject of either a loan or a credit check;
Acquire at least the financial institution information or the financial institution account information of the subject other than the declared financial institution account information based on at least either public or private information about the subject , a financial institution account information management device characterized by displaying on a display unit. When at least neither the financial institution information nor the financial institution account information of the subject other than the declared financial institution account information can be obtained,
The same-name financial institution account information determination unit determines that at least one of the remittance source information and the remittance destination information includes the financial institution account information with the same name as the target person in at least the declared financial institution account information. When it is determined that financial institution account information exists,
The inclusion information determination unit determines whether or not the financial institution account information with the same name is included in the reported financial institution account information,
When the same-name financial institution account information is not included in the declared financial institution account information, the same-name financial institution account information is displayed on the display unit as non-declared financial institution account information. 5. The financial institution account information management device according to claim 4, characterized by: A financial institution account information management device having a declared financial institution account information storage unit that stores at least declared financial institution account information, which is financial institution account information of a financial institution declared by a subject who is the subject of either a loan or a credit check. A control method comprising:
The same-name financial institution whose same-name financial institution account information determination unit includes other financial institution account information with the same name as the target person in at least either the remittance source information or the remittance destination information of the declared financial institution account information determine whether account information exists,
The inclusion information determination unit determines whether or not the financial institution account information with the same name is included in the reported financial institution account information,
When the same-name financial institution account information is not included in the declared financial institution account information, the same-name financial institution account information is displayed on the display unit as non-declared financial institution account information. A control method for a financial institution account information management device characterized by: A financial institution account information management device having a declared financial institution account information storage unit that stores at least declared financial institution account information, which is financial institution account information of a financial institution declared by a subject who is the subject of either a loan or a credit check. ,
The same-name financial institution whose same-name financial institution account information determination unit includes other financial institution account information with the same name as the target person in at least either the remittance source information or the remittance destination information of the declared financial institution account information a function to determine whether account information exists;
The inclusion information determination unit has a function of determining whether or not the financial institution account information with the same name is included in the declared financial institution account information,
To realize a function of displaying the same-name financial institution account information as non-declared financial institution account information on the display unit when the same-name financial institution account information is not included in the declared financial institution account information. A control program for a financial institution account information management device.

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