JP4836560B2 - Loan contract support method and computer program - Google Patents

Description

  The present invention relates to a loan contract support method, and more particularly to a loan contract support method for receiving a loan contract application from a terminal connected to a network and supporting creation of a loan contract and a guarantee consignment contract related to the loan contract. .

  Various services are provided and products are sold using networks such as the Internet. For example, a loan contract or the like conventionally performed face-to-face can be applied using a network (see, for example, Patent Documents 1 and 2).

JP 2005-115902 A JP 2001-357206 A

  However, conventionally, a service that accepts a loan contract application from a terminal connected to a network and supports a loan contract with a guarantee contract is not provided.

  The present invention has been made in view of such problems, and the object of the present invention is to accept a loan contract application from a terminal connected to a network, and to create a loan contract and a warranty consignment contract related to the loan contract. An object is to provide a loan contract support method and a computer program for supporting creation.

In order to achieve the above object, the present invention provides a method for supporting a loan contract, wherein a loan contract pre-examination is performed by a loan contract reception server from a terminal via a network. And a step of accepting a loan contract application including information necessary for the preliminary examination of the warranty contract, an e-mail address and a password, a step of assigning a reception number for identifying the loan contract application, and a series of the loan contract application A process for generating process management information including the receipt number, a step for transmitting an application acceptance mail addressed to the e-mail address, an instruction for loan contract pre-examination, and a guarantee entrustment contract acceptance server. A step for instructing the preliminary examination of the warranty contract to Receiving a guarantee consignment contract pre-examination result from about the accepting server and updating the process management information; and in the loan contract creation server, the loan contract pre-examination result and the guarantee consignment contract pre-examination result are respectively loan contracts And receiving a loan contract condition information from either the loan contract acceptance server or the guarantee consignment contract acceptance server, and indicating that the application is accepted at the loan contract acceptance server. When confirming that the email is not undeliverable and that the loan contract pre-examination result and the guarantee consignment contract pre-examination result have been received, enter the receipt number and the address for inquiring the examination result. in sending including audits completion mail to the e-mail address The application reception e-mail is not undeliverable, the loan contract pre-examination result and the guarantee consignment contract pre-examination result are received, and the loan contract pre-examination result and the guarantee consignment contract pre-examination result Creates an examination result including the address of the loan agreement creation server that needs to be accessed to create a loan agreement and a guarantee consignment agreement, when each indicates that a loan agreement and a guarantee consignment agreement are possible In other cases, the step of creating an examination result that does not include the address of the loan contract creation server, and the terminal receives the examination completion email received and inquires about the examination result A step of inquiring the examination result by the receipt number and the password. And at the loan contract acceptance server, authenticating with the receipt number and the password from the terminal and presenting the examination result; and at the terminal, at the loan contract creation server included in the examination result Accessing the address and inputting loan contract creation information.

The invention according to claim 2 is a method for supporting a loan contract, and information necessary for a loan contract pre-examination and a warranty consignment contract pre-examination, and an e-mail in a loan contract acceptance server via a network from a terminal Receiving a loan contract application including an address and a password; assigning a reception number identifying the loan contract application; and a process including the reception number for managing a series of processes related to the loan contract application A step of generating management information, a step of sending an application acceptance mail addressed to the e-mail address, a step of instructing a loan contract pre-examination and instructing a guarantee consignment contract pre-examination server, and a loan contract Pre-screening results and pre-screening of the consignment contract from the warranty consignment contract acceptance server To update the process management information, confirm that the application acceptance mail is not undeliverable, and that the loan contract preliminary examination result and the guarantee consignment contract preliminary examination result have been received. case, the method comprising the steps of: sending an address to query the reception number and the examination results including audits completion mail to the e-mail address, that the application acceptance e-mail has not been turned undeliverable, When the loan contract pre-examination result and the guarantee consignment contract pre-examination result are received, and the loan contract pre-examination result and the guarantee consignment contract pre-examination result indicate that a loan contract and a guarantee consignment contract are possible, respectively. The loan that needs to be accessed to create a loan agreement and warranty agreement Creating an examination result including the address of the contract creation server; otherwise, creating an examination result not including the address of the loan agreement creation server; and the receipt number and the password from the terminal And the step of presenting the examination result.

  The method according to claim 3 is the loan contract acceptance server according to claim 1 or 2, wherein the process management information is updated after confirming the delivery result of the application acceptance mail, and the application acceptance mail cannot be delivered. In this case, the method further includes the step of managing the electronic mail address as an erroneous mail address.

  According to a fourth aspect of the present invention, in the loan contract acceptance server according to the third aspect, whether or not the e-mail address included in the accepted loan contract application corresponds to the managed erroneous e-mail address. The step of assigning the receipt number further includes the step of assigning the receipt number and generating the process management information when the e-mail address does not correspond to the managed erroneous mail address. The step of generating the process management information and transmitting the application acceptance email when the email address does not correspond to the managed erroneous email address, the email address does not correspond to the managed erroneous email address In this case, the application acceptance mail is transmitted.

  According to a fifth aspect of the present invention, in the loan contract acceptance server according to any one of the first to fourth aspects, the password determination table including a plurality of options associated with the image data of the password confirmation screen component, Further comprising the steps of: transmitting to the terminal; receiving the selected option from the terminal; reading out image data associated with the received option to configure a password confirmation screen and transmitting to the terminal; The step of accepting the loan contract application is a step of receiving the selected option as the password.

  The present invention also includes a computer program for causing a computer to execute the above method.

  As described above, according to the present invention, a loan contract support method and a computer program for accepting a loan contract application from a terminal connected to a network and supporting creation of a loan contract and a guarantee consignment contract related to the loan contract Can be provided.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the similar component in this specification is demonstrated using a similar code | symbol, and the overlapping description is abbreviate | omitted.

  In the following embodiments, the loan contract support method according to the present invention will be described as a method for supporting a loan contract with a guarantee consignment contract used when purchasing a car such as a car loan or a car loan.

[Configuration of Loan Contract Support System]
FIG. 1 is a configuration diagram of a loan contract support system according to an embodiment of the present invention. The loan contract support system includes a loan contract reception server 150 and an e-mail server 160 each connected to the network 190. The loan contract support system can also include a loan contract creation server 180 connected to the network 190. Further, the loan contract support system can include a loan contract reception server 150 and a guarantee consignment contract reception server 170 connected to the loan contract creation server 180.

<Terminal>
The terminal 130 is a terminal used by a loan contract applicant, and communicates with the loan contract reception server 150 to apply for a loan contract and refer to the examination result regarding the loan contract. Further, when the examination result indicates that the loan contract is possible, the terminal 130 communicates with the loan contract creation server 180 to communicate the loan contract for the loan contract and the warranty consignment contract (this book) related to the loan contract. In the description, a warranty consignment contract is created.

  The terminal 130 communicates with a CPU 132, a memory such as a ROM 137, a RAM 134, and an HDD 133, an input unit 136 such as a keyboard and a pointing device, a display unit 135 such as a monitor, and a printer 140 connected to the CPU via a bus 139. And IF 138 having a function, and a communication unit 131 for communicating via the network 190.

  In a memory such as the ROM 137, the RAM 134, and the HDD 133, a function for communicating with the loan contract acceptance server 150 and the loan contract document creation server 180, a function for outputting the created contract document to the printer 140, and a loan transmitted from the e-mail server 160 An application program including a function for receiving e-mail related to a contract is stored.

<Loan contract acceptance server>
The loan contract reception server 150 is a server operated by a financial institution such as a bank that makes a loan contract with a loan applicant, and receives a loan contract application by communicating with the terminal 130.

  Further, the loan contract reception server 150 communicates with the electronic mail server 160 in order to transmit an electronic mail including a notice regarding the application for the loan contract to the terminal 130.

  Further, the loan contract acceptance server 150 communicates with the guarantee consignment contract acceptance server 170 and inquires whether the guarantee consignment contract related to the loan contract is acceptable.

  The loan contract acceptance server 150 includes a CPU 154, a memory such as a ROM 152, a RAM 155, and an HDD 151 connected to the CPU via a bus 156, and a communication unit 153 for communicating via a network 190.

  The HDD 151 stores, for example, a loan contract application information input form written in HTML, an HTML server program, and the like.

  The HDD 151 includes a database (DB) 151-1 for managing loan contract application information received from the terminal 130, a database 151-2 for managing processes related to loan contracts, and mail errors including past mail delivery errors. Is stored in the database 151-3 for managing the e-mail address (hereinafter also referred to as an erroneous e-mail address).

<E-mail server>
The e-mail server 160 receives the instruction from the loan contract reception server 150 and transmits an e-mail including a notification regarding the application for the loan contract to the terminal 130.

  The e-mail server 160 includes a CPU 164, a memory such as a ROM 162, a RAM 165, and an HDD 161 connected to the CPU via a bus 166, and a communication unit 163 for communicating via a network 190. The e-mail server 160 includes an input unit such as a keyboard, a display unit such as a display, etc., not shown.

  The HDD 161 stores an application program necessary for transmission / reception of electronic mail and a database (DB) 161-1 for managing electronic mail transmitted / received by the application program. In the present embodiment, the e-mail server 160 is described as being configured using hardware resources such as a CPU other than the loan contract acceptance server 150, but the same hardware as the loan contract acceptance server 150 is shared. It can also be configured as follows.

<Guarantee consignment contract reception server>
The guarantee consignment contract acceptance server 170 is a server operated by a guarantee organization such as a credit company that ties a guarantee consignment contract related to a loan contract with a loan applicant, and in response to an inquiry from the loan contract acceptance server 150, Preliminary examination (hereinafter also referred to as “guarantee consignment contract pre-examination”) regarding whether or not the warranty consignment contract related to the contract is possible and transmits the examination result (hereinafter also referred to as “guarantee consignment contract pre-examination result”) to loan contract reception server 150 To do.

  The warranty consignment contract acceptance server 170 includes a CPU 174, a memory such as a ROM 172, a RAM 175, and an HDD 171 connected to the CPU via a bus 176, and a communication unit 173 for communicating via a network 190. Further, the warranty consignment contract acceptance server 170 includes an input unit such as a keyboard, a display unit such as a display, etc., not shown.

  The HDD 171 stores a database (DB) 171-1 for managing a guarantee consignment contract related to a loan contract desired by the user.

<Loan Contract Creation Server>
The loan contract creation server 180 communicates with the terminal 130 to create a loan contract and a guarantee consignment contract.

  The loan contract creation server 180 includes a CPU 184, a memory such as a ROM 185, a RAM 182, and an HDD 181 connected to the CPU via the bus 186, and a communication unit 183 for communicating via the network 190. The loan contract creation server 180 includes an input unit such as a keyboard, a display unit such as a display, etc., not shown.

  HDD 181 inputs loan contract creation information including information related to loan contracts such as repayment conditions such as name, address, borrowing amount and repayment period, and information related to guarantee consignment contracts such as guarantee amount and guarantee conditions For example, a loan contract information input form described in HTML and an HTML server program are stored. Further, the HDD 181 stores a loan contract template and a warranty consignment contract template for creating a loan contract and a guarantee consignment contract based on the loan contract creation information.

  Further, the HDD 181 stores a database 181-1 for storing loan contract condition information for confirming loan contract creation information from the terminal 130.

[Processing flow]
Next, a processing flow of the loan contract support system according to the present invention will be described with reference to FIG.

  The terminal 130 transmits a loan contract application to the loan contract reception server (S202). More specifically, the terminal 130 includes the loan contract application information after accessing the loan contract reception server 150, receiving the loan contract application information input form described in HTML or the like, and inputting the loan contract application information. Send loan contract application.

  Loan contract application information is related to loan contract pre-examination (hereinafter also referred to as loan contract pre-examination) such as name, address, desired borrowing amount, repayment conditions, and loan contract pre-examination. An e-mail address (hereinafter also referred to as a mail address) for receiving an e-mail to be received. The loan contract application information further includes a password determined by the loan contract applicant. The password is used for authentication accompanying the inquiry of examination results, and can typically be a combination of alphanumeric characters and symbols. Alternatively, the password can be determined as described below. Here, the examination result is a determination result of whether or not a loan contract and a guarantee consignment contract can be concluded based on the loan contract pre-examination and the guarantee consignment contract pre-examination.

  The loan contract reception server 150 receives a loan contract application (S204). More specifically, the loan contract reception server 150 receives a loan contract application from the terminal 130 and assigns a reception number. However, the reception number can be assigned after confirming the following mail or simultaneously with the generation of the process management information.

  The loan contract reception server 150 confirms the email address included in the received loan contract application (S206). More specifically, the loan contract acceptance server 150 refers to the database 151-3 for managing erroneous email addresses, and determines whether or not the email address included in the loan contract application corresponds to the erroneous email address. . However, the determination as to whether or not the email address included in the loan contract application corresponds to an erroneous email address may be omitted or performed at another timing. FIG. 3B shows an example of a database for managing erroneous mail addresses.

  If the mail address corresponds to an erroneous mail address, the loan contract acceptance server 150 transmits to the terminal 130 a loan contract application information input form that requests input of a correct mail address or another mail address.

  If the email address does not correspond to the erroneous email address, the loan contract acceptance server 150 generates process management information for managing a series of processes up to the acceptance of the loan contract associated with the receipt number, and stores it in the DB 151-2 ( S208). Further, the loan contract application information is stored in the DB 151-1. FIG. 3A shows process management information.

  The loan contract acceptance server 150 transmits an application acceptance email to the terminal 130 using the email address (S210). More specifically, the loan contract reception server 150 instructs the electronic mail server 160 to transmit an application reception mail to the mail address. The terminal 130 receives the application reception mail (S211). The application reception e-mail indicates that the application for the loan contract has been completed, and that the examination result confirmation method is transmitted to the e-mail address.

  The loan contract acceptance server 150 manages an erroneous mail address (S212). More specifically, referring to the DB 161-1 of the electronic mail server 160, the delivery result of the application acceptance mail is confirmed, and the process management information corresponding to the mail address in the DB 151-2 is updated. If the application reception mail is undeliverable, the loan contract reception server 150 adds the mail address as an erroneous mail address to the DB 151-3.

  The loan contract acceptance server 150 instructs the examination unit (not shown) and the guarantee consignment contract acceptance server 170 to conduct examination (S214). Preferably, the loan contract acceptance server 150 first instructs the examination department to conduct a loan contract pre-examination, and the examination result from the examination section (hereinafter also referred to as a loan contract pre-examination result) indicates that a loan contract is possible. Only the warranty consignment contract acceptance server 170 is instructed to perform a preliminary inspection of the warranty contract contract. As a result, the number of unnecessary examinations in the warranty consignment contract acceptance server 170 can be reduced.

  The examination unit refers to the loan contract application information stored in the DB 151-1 and performs a loan contract preliminary examination (S216). The loan contract pre-examination by the examination unit is performed by, for example, an automatic examination system (not shown).

  The examination unit transmits the reception number and the loan contract preliminary examination result corresponding to the reception number to the loan contract reception server 150 (S220).

  The loan contract acceptance server 150 receives the loan contract preliminary examination result from the examination unit, and updates the process management information associated with the receipt number in the DB 151-2 (S224). More specifically, the presence / absence of reception of a loan contract pre-examination result from the examination unit and the contents of the loan contract pre-examination result are updated. The contents of the loan contract pre-examination results include information such as whether or not the loan contract is accepted and the amount that can be borrowed.

  The loan contract reception server 150 transmits the reception number and loan contract application information to the warranty consignment contract reception server 170 to instruct the warranty contract contract pre-examination (S214).

  The warranty consignment contract reception server 170 receives the reception number and loan contract application information from the loan contract reception server 150, and performs a preliminary inspection of the warranty consignment contract (S218).

  The warranty consignment contract acceptance server 170 transmits the receipt number and the guarantee consignment contract preliminary examination result corresponding to the receipt number to the loan contract acceptance server 150 (S222).

  Further, when the warranty consignment contract pre-examination indicates that the guarantee consignment contract is possible, the warranty consignment contract acceptance server 170 transmits the loan contract condition information to the loan contract creation server 180 (S234). The loan contract condition information includes, for example, a reception number, a borrowable amount, a repayment period, a repayment condition, a guaranteeable amount, a guarantee condition, and the like.

  The loan contract acceptance server 150 receives the guarantee consignment contract preliminary examination result from the guarantee consignment contract acceptance server 170, and updates the process management information associated with the receipt number in the DB 151-2 (S224). More specifically, the presence / absence of reception of the guarantee consignment contract preliminary examination result from the guarantee consignment contract acceptance server 170 and the contents of the guarantee consignment contract preliminary examination result are updated. The contents of the preliminary consignment contract pre-examination result include information such as acceptance / rejection of the guarantee consignment contract related to the loan contract and the guaranteeable amount.

  However, the order of the above steps 214 to 224 and 234 is not limited to this. In step 214, the loan contract acceptance server 150 instructs the examination unit and the guarantee consignment contract acceptance server 170 to examine simultaneously, and step 234. The loan contract acceptance server 150 may transmit the loan contract condition information to the loan contract creation server 180.

  The loan contract creation server 180 receives the loan contract condition information (S236). More specifically, the loan contract creation server 180 stores the received loan contract condition information in the database 181-1.

  The loan contract acceptance server 150 transmits an examination completion email to the terminal 130 (S226). More specifically, the loan contract acceptance server 150 refers to the process management information and confirms that the application acceptance mail is not undeliverable and that the loan contract preliminary examination result and the guarantee consignment contract preliminary examination result have been received. If it is possible, an instruction is given to send an examination completion email addressed to the e-mail address including the receipt number and a method for inquiring of the examination result created separately (URL for referring to the examination result corresponding to the receipt number). Further, the loan contract reception server 150 refers to the process management information, confirms that the application reception mail is not undeliverable, has received the loan contract pre-examination result and the guarantee consignment contract pre-examination result, and the loan contract pre- Access to create a loan agreement and a warranty consignment contract if the results of the review and the preliminary consignment contract pre-assessment result indicate that a loan contract and a warranty consignment contract are possible, respectively. An examination result including the address of the loan contract creation server 180 that needs to be executed (for example, the URL of the loan contract information input form on the loan contract creation server 180) is created. In other cases, the loan contract acceptance server 150 creates an examination result that does not include the address of the loan contract creation server 180.

  When the loan contract and the guarantee consignment contract are possible, that is, when the loan contract pre-examination result from the examination department and the guarantee consignment contract pre-examination result from the guarantee consignment contract receiving server 170 are both good, In addition to the address of the loan contract creation server 180, a reception number, a borrowable amount (guaranteeable amount), a repayment condition (guarantee condition), an expiration date of the examination result, and the like are included. The address of the loan contract creation server 180 is preferably included in the examination result as link information associated with a link button that can be clicked with, for example, a mouse. Thereby, it is possible to provide an easy-to-use system in which the loan contract applicant does not need to type or copy and paste the address of the loan contract creation server 180.

  If the loan contract is impossible, the created examination result includes a receipt number and the like, and does not include the address (URL) of the page on the loan contract creation server 180. This is for avoiding an overload of the loan contract creation server 180 caused by unnecessary access.

  The terminal 130 receives the examination completion email (S228).

  The terminal 130 refers to the examination result by the examination result inquiry method indicated in the examination completion mail (S230). More specifically, the terminal 130 accesses a URL for referring to the examination result corresponding to the reception number, and authenticates with the reception number and the password determined in step 202, and sends a response including the examination result to the loan contract reception server. Receive from 150.

  The loan contract acceptance server 150 presents the examination result to the terminal 130 (S232). More specifically, the loan contract reception server 150 authenticates the loan contract applicant with the reception number and password, and transmits the response including the examination result generated in step 226 to the terminal 130 when the loan contract applicant has been correctly authenticated.

  If the loan contract is possible, the terminal 130 accesses the loan contract creation server 180 and creates a loan contract and a guarantee consignment contract (S240). More specifically, by accessing the address shown in the examination result, downloading the loan contract information input form on the loan contract creation server 180, and entering the loan contract creation information, the loan contract and the warranty consignment contract are entered. Create a certificate.

  The loan contract creation server 180 communicates with the terminal 130 to create a loan contract and a warranty consignment contract (S242). More specifically, the loan contract creation server 180 creates a loan contract and a guarantee consignment contract in consideration of the loan contract condition information, and transmits it to the terminal 130.

  The terminal 130 outputs a loan contract and a guarantee consignment contract (S244). The terminal 130 outputs the loan contract and the warranty consignment contract received from the loan contract creation server 180 to the printer 140.

  The financial institution or the guarantee institution can accept the loan contract based on a loan contract and a guarantee consignment contract that are output and stamped by the loan contract applicant and necessary documents such as a seal certificate. The financial institution or guarantor will conduct a final review based on the loan agreement, guarantee consignment agreement, required documents, and the status of arrival of the identity verification mail that will be separately conducted in accordance with the procedures for verifying the identity of the customer, etc. by the financial institution, etc. After executing the project, a loan contract is concluded.

<Modification>
The loan contract acceptance server 150 may be configured to manage erroneous email addresses in the same manner as in step 212 after sending the examination completion email in step 226.

  Furthermore, the loan contract acceptance server 150 may be configured to BD151-2 the arrival status of the personal identification mail.

<Password>
The method for determining the password in step 202 will be described with reference to FIGS. FIG. 4 is a password determination table including questions 1 to 5 for determining the components of the password and options for answering the question. For example, Question 1 asks the loan applicant about the type of car they like, and the answer is sedan, station wagon, minivan / 1 box, cross country / SUV, compact car, minicar, coupe. It can be selected.

  FIG. 5 shows that a loan applicant drives “starry sky” as a place to drive “mountain” with “minivan / 1 box” as his favorite car type, “grey” as his favorite car color, and “mountain” As a background, a password confirmation screen configured by the loan contract acceptance server 150 when “Rock” is selected as the music being driven is shown.

  The HDD 151 of the loan contract acceptance server 150 stores a password determination table and image data of a password confirmation screen component associated with each option. The loan contract acceptance server 150 includes the password determination table stored in the HDD 151 in the loan contract application information input form and transmits it to the terminal 130.

  The HDD 151 of the loan contract acceptance server 150 receives the option selected by the loan contract applicant from the terminal 130, reads the image data associated with the selected option, configures a password confirmation screen, and transmits it to the terminal 130. .

  Further, the HDD 151 of the loan contract acceptance server 150 may store music data corresponding to the music being driven, and transmit it to the terminal 130 together with the configured password confirmation screen.

  In this case, the option selected by the loan contract applicant is received by the loan contract server 150 as a password included in the loan contract application (S204). When authentication with the determined password is required, each server that performs authentication is configured to transmit a password determination table to the terminal and perform authentication with the determined option.

  Thus, by providing a method for determining a password based on the preference of a loan contract applicant, a password that is easy for a loan contract applicant to remember can be determined.

It is a block diagram which shows the loan contract assistance system concerning embodiment of this invention. It is a flowchart for demonstrating the loan contract assistance method concerning one Embodiment of this invention. (A) is a figure for demonstrating the process management information concerning one Embodiment of this invention, (b) is a figure for demonstrating management of an error mail address. It is a figure for demonstrating the password determination method concerning one Embodiment of this invention. It is a figure for demonstrating the password determination method concerning one Embodiment of this invention.

Explanation of symbols

130 Terminal 150 Loan Contract Accepting Server 160 E-mail Server 170 Warranty Consignment Contract Accepting Server 180 Loan Contract Creating Server 190 Network

Claims (6)

A method for supporting loan contracts,
In the loan contract reception server,
Accepting a loan contract application including information necessary for the loan contract pre-examination and guarantee contract pre-examination, e-mail address, and password from the terminal via the network;
Assigning a receipt number identifying the loan contract application;
Generating process management information including the receipt number for managing a series of processes related to the loan contract application;
Sending an application acceptance email addressed to the email address;
Instructing a loan contract pre-examination and instructing the guarantee consignment contract acceptance server to perform a pre-examination of the warranty consignment contract; and
Receiving a loan contract pre-examination result and a guarantee entrustment contract pre-examination result from the guarantee entrustment contract acceptance server, and updating the process management information;
In the loan contract creation server,
When the loan contract pre-examination result and the guarantee consignment contract pre-examination result indicate that a loan contract and a guarantee consignment contract are possible, respectively, the loan contract is received from either the loan contract acceptance server or the guarantee consignment contract acceptance server. Receiving condition information; and
In the loan contract acceptance server,
In order to inquire about the receipt number and the examination result when it is confirmed that the application acceptance mail is not undeliverable and the loan contract preliminary examination result and the guarantee consignment contract preliminary examination result have been received. the method comprising the steps of: sending the address including audits completion mail to the e-mail address, the application that accepts e-mail is not in undeliverable, the loan contract prior review the results and the guarantee contract prior review results And when the loan contract pre-examination result and the guarantee consignment contract pre-examination result indicate that a loan contract and a guarantee consignment contract are possible, respectively, to create a loan contract and a guarantee consignment contract Create an examination result including the address of the loan agreement creation server that needs to access In the case of the outside, and the step of creating the examination results that do not include the address of the loan agreement creating server,
In the terminal,
Receiving the received examination completion email, accessing an address for inquiring the examination result, and inquiring the examination result by the receipt number and the password;
In the loan contract acceptance server,
Authenticating with the receipt number and the password from the terminal and presenting the examination result;
In the terminal,
Accessing the address of the loan contract creation server included in the examination result, and inputting loan contract creation information. A method for supporting loan contracts,
In the loan contract reception server,
Accepting a loan contract application including information necessary for the loan contract pre-examination and guarantee contract pre-examination, e-mail address, and password from the terminal via the network;
Assigning a receipt number identifying the loan contract application;
Generating process management information including the receipt number for managing a series of processes related to the loan contract application;
Sending an application acceptance email addressed to the email address;
Instructing a loan contract pre-examination and instructing the guarantee consignment contract acceptance server to perform a pre-examination of the warranty consignment contract; and
Receiving a loan contract pre-examination result and a guarantee entrustment contract pre-examination result from the guarantee entrustment contract acceptance server, and updating the process management information;
In order to inquire about the receipt number and the examination result when it is confirmed that the application acceptance mail is not undeliverable and the loan contract preliminary examination result and the guarantee consignment contract preliminary examination result have been received. the method comprising the steps of: sending the address including audits completion mail to the e-mail address, the application that accepts e-mail is not in undeliverable, the loan contract prior review the results and the guarantee contract prior review results And when the loan contract pre-examination result and the guarantee consignment contract pre-examination result indicate that a loan contract and a guarantee consignment contract are possible, respectively, to create a loan contract and a guarantee consignment contract Create an examination result including the address of the loan agreement creation server that needs to access In the case of the outside, and the step of creating the examination results that do not include the address of the loan agreement creating server,
Authenticating with the receipt number from the terminal and the password, and presenting the examination result. In the loan contract acceptance server,
The method further comprises a step of confirming a delivery result of the application acceptance mail, updating the process management information, and managing the electronic mail address as an erroneous mail address when the application acceptance mail cannot be delivered. Item 3. A loan contract support method according to item 1 or 2. The loan contract reception server further includes a step of confirming whether the email address included in the received loan contract application corresponds to the managed erroneous email address,
Assigning the receipt number assigning the receipt number if the email address does not correspond to the managed erroneous email address;
The step of generating the process management information generates the process management information when the email address does not correspond to the managed erroneous email address,
4. The loan contract support method according to claim 3, wherein the step of transmitting the application reception mail includes transmitting the application reception mail when the electronic mail address does not correspond to the managed erroneous mail address. . In the loan contract acceptance server,
Transmitting a password determination table including a plurality of options associated with the image data of the password confirmation screen component to the terminal;
Receiving the selected option from the terminal, reading the image data associated with the received option, constructing a password confirmation screen, and transmitting to the terminal;
5. The loan contract support method according to claim 1, wherein the step of accepting the loan contract application is a step of receiving the selected option as the password.   A computer program for causing a computer to execute the method according to claim 1.

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