JP6262300B1 - Apparatus, method and computer program used for examination concerning insurance participation - Google Patents

Abstract

An apparatus, a method, and a computer program capable of at least partially facilitating examination related to financial services provided by a plurality of different financial institutions. A server device 10 is provided so as to be able to communicate with a terminal device operable by the user via a website operated by a first financial institution examining a loan to the user, and is related to the loan. Operated by a second financial institution that reviews the user's participation in insurance. A receiving means for receiving user information about the user from the terminal device via a communication line, and an assessment as to whether or not the user can join the insurance is automatically made using a computer based on the user information And transmitting means for transmitting assessment result information relating to the assessment result to the terminal device via a communication line. [Selection] Figure 5

Description

  The technology disclosed in the present application relates to an apparatus, a method, and a computer program used for examination related to financial services provided by a plurality of different financial institutions.

  When a user tries to receive a financial service (such as a loan) from the first financial institution, the user is provided with a financial service (such as an insurance) provided by a second financial institution different from the first financial institution. You may be asked to join For example, as shown in Non-Patent Document 1, when a user wants to receive a loan (such as a mortgage) from a first financial institution (such as a bank), the user receives the second financial You may be required to join insurance (group credit life insurance, etc.) provided by an institution (life insurance company, etc.). Group credit life insurance is insurance in which the first financial institution is the policyholder and the user (payment obligor) who receives the loan from the first financial institution is the insured and is the insured. When a user dies or is in a specified severe disability state, the second financial institution pays the specified insurance money to the first financial institution that is the policyholder, and uses the insurance money to repay the debt. It is insurance intended to do.

  With regard to the examination related to financial services executed by a plurality of different financial institutions in this way, first, the second financial institution subscribes to a financial service (insurance, etc.) provided by the second financial institution. After completing the examination regarding whether or not it is possible, the first financial institution performs an examination on whether or not the user can receive financial services (such as loans) provided by the first financial institution. .

Shinsei Bank, Ltd., “mortgage group credit life insurance”, [online], [searched July 1, 2016], Internet (URL: http://www.shinseibank.com/powerflex/housing/for_borrower/insurance .html)

  There is a need to more efficiently execute examinations related to financial services executed by a plurality of different financial institutions. Therefore, according to various embodiments, there are provided an apparatus, a method, and a computer program capable of at least partially facilitating examination related to financial services provided by a plurality of different financial institutions.

A server device according to an aspect of the present invention is provided so as to be able to communicate with a terminal device operable by the user via a website operated by a first financial institution that examines a loan to the user. A server device operated by a second financial institution for examining the user's participation in related insurance, wherein the user device receives user information about the user from the terminal device via a communication line; An assessment means for automatically executing an assessment as to whether or not the insurance can be enrolled using a computer based on the user information, and assessment result information relating to the assessment result via a communication line, in the terminal device And transmitting means for transmitting to.
The terminal device according to an aspect of the present invention provides a second finance that examines the user's participation in the insurance related to the loan via a website operated by a first financial institution that examines the loan to the user. A terminal device operable by the user, provided to be connectable to a server device operated by an institution, and transmitting means for transmitting user information about the user to the server device via a communication line; and the user The server device via the communication line, the assessment result information on the assessment result automatically executed by the server device using a computer based on the user information as to whether or not the user can join the insurance. Receiving means for receiving from.
A terminal device according to another aspect of the present invention is a terminal device operated by a first financial institution that examines a loan for a user, and a second device that examines the user's participation in insurance related to the loan. A terminal device that is connectable to a server device operated by a financial institution via a communication line, and the user subscribes to the insurance using a computer by the server device based on user information about the user Receiving means for receiving, from the server device, information indicating that the assessment regarding whether or not it is possible has been automatically performed.
A terminal device according to yet another aspect of the present invention is provided so as to be able to communicate with a terminal device operable by the user via a website operated by a first financial institution that examines loans to the user, A terminal device operated by the second financial institution provided to be connectable via a communication line to a server device operated by a second financial institution that examines the user's participation in insurance related to financing. And receiving the user information related to the user transmitted from the terminal device operable by the user and received by the server device from the server device via a communication line, and joining the insurance. If the assessment as to whether or not it can be performed automatically using a computer based on the user information, the server Input means for inputting assessment result information relating to the assessment result from an operator of the terminal device operated by the second financial institution for the user determined by the setting, and the assessment result information via a communication line. Transmitting means for transmitting to the server device.
A method according to an aspect of the present invention is provided so as to be able to communicate with the terminal device via a terminal device operable by a user and a website operated by a first financial institution examining a loan for the user. A server device operated by a second financial institution that examines the user's participation in the insurance related to the loan, wherein the terminal device relates to the user via a communication line. Transmitting user information to the server device, and automatically executing an assessment as to whether or not the user can take out the insurance using a computer based on the user information. And the server device transmits assessment result information relating to the assessment result to the terminal device via a communication line. That.
A computer program according to an aspect of the present invention is provided so as to be able to communicate with a terminal device operable by the user via a website operated by a first financial institution that examines a loan to the user. A computer program installable on a server device operated by a second financial institution that examines a user's participation in related insurance, the server device being related to the user from the terminal device via a communication line Receiving means for receiving user information, assessment means for automatically executing an assessment as to whether or not the user can join the insurance using a computer based on the user information, and via a communication line Function as transmission means for transmitting assessment result information relating to the assessment result to the terminal device. It is intended.
A computer program according to another aspect of the present invention provides a second program for examining a user's participation in insurance related to the loan through a website operated by a first financial institution that examines a loan for the user. A computer program installed in a terminal device operable by the user, provided to be connectable to a server device operated by a financial institution, the user information relating to the user via the communication line Transmitting means for transmitting to the server device, an assessment on the result of the assessment automatically executed by the server device using a computer based on the user information as to whether or not the user can join the insurance Function as receiving means for receiving result information from the server device via a communication line It is intended to.
A computer program according to still another aspect of the present invention is a terminal device operated by a first financial institution that examines a loan for a user, and a second that examines the user's participation in insurance related to the loan. A computer program installed in a terminal device provided so as to be connectable to a server device operated by a financial institution via a communication line, the server device being based on user information relating to the user Function as receiving means for receiving, from the server device, information indicating that an assessment regarding whether or not the user can take out the insurance is automatically performed using a computer via a communication line It is something to be made.
A computer program according to still another aspect of the present invention is provided to be able to communicate with a terminal device operable by the user via a website operated by a first financial institution that examines loans to the user, A terminal device operated by the second financial institution provided to be connectable via a communication line to a server device operated by a second financial institution that examines the user's participation in insurance related to financing. The user program related to the user transmitted from the terminal device operable by the user and received by the server device is transmitted from the server device via a communication line. Based on the information, a receiving means for receiving, an assessment as to whether or not the insurance can be taken. For the user determined by the server device that cannot be automatically executed using a computer, the assessment result information on the assessment result is obtained from the operator of the terminal device operated by the second financial institution. It functions as an input means for inputting and a transmission means for transmitting the assessment result information to the server device via a communication line.

FIG. 1 is a block diagram showing an example of the configuration of an examination system according to an embodiment of the present invention. FIG. 2 is a block diagram showing an example of the configuration of the server device 10 used in the examination system shown in FIG. FIG. 3 is a block diagram showing an example of the configuration of the life insurance terminal device 20 (bank terminal device 50) used in the examination system shown in FIG. FIG. 4 is a block diagram showing an example of the configuration of the user terminal device 30 (bank terminal device 50) used in the examination system 1 shown in FIG. FIG. 5 is a block diagram showing an example of functions of the server device 10 used in the examination system 1 shown in FIG. FIG. 6 is a block diagram showing an example of functions of the life insurance terminal device 20 used in the examination system 1 shown in FIG. FIG. 7 is a block diagram showing an example of functions of the user terminal device 30 used in the examination system 1 shown in FIG. FIG. 8 is a block diagram showing an example of functions of the bank terminal device 50 used in the examination system 1 shown in FIG. FIG. 9 is a flowchart showing a first example of operations performed in the examination system 1 shown in FIG. FIG. 9 is a flowchart showing a first example of operations performed in the examination system 1 shown in FIG. FIG. 10A is a schematic diagram illustrating an example of a screen displayed on the display unit of the user terminal device 30 in the first example illustrated in FIG. 9A. FIG. 10B is a schematic diagram illustrating an example of a screen displayed on the display unit of the user terminal device 30 in the first example illustrated in FIG. 9A. FIG. 10C is a schematic diagram illustrating an example of a screen displayed on the display unit of the user terminal device 30 in the first example illustrated in FIG. 9A. FIG. 10D is a schematic diagram illustrating an example of a screen displayed on the display unit of the user terminal device 30 in the first example illustrated in FIG. 9A. FIG. 10E is a schematic diagram illustrating an example of a screen displayed on the display unit of the user terminal device 30 in the first example illustrated in FIG. 9A. FIG. 10F is a schematic diagram illustrating an example of a screen displayed on the display unit of the user terminal device 30 in the first example illustrated in FIG. 9A. FIG. 10G is a schematic diagram illustrating an example of a screen displayed on the display unit of the user terminal device 30 in the first example illustrated in FIG. 9A. FIG. 10H is a schematic diagram illustrating an example of a screen displayed on the display unit of the user terminal device 30 in the first example illustrated in FIG. 9A. FIG. 11 is a flowchart showing a second example of the operation performed in the examination system 1 shown in FIG.

  Various embodiments of the present invention will be described below with reference to the accompanying drawings. In addition, the same referential mark is attached | subjected to the component requirements common in an accompanying drawing.

  Hereinafter, as a most preferable form, regarding a financial service (mortgage) provided by a bank which is a first financial institution, a life insurance company which is a second financial institution provides a user with a finance provided by the life insurance company. Focusing on the case where the bank conducts a review on whether or not a user can receive a mortgage loan after performing a review on whether or not the service (group credit life insurance) can be enrolled. explain.

1. Overview of Screening System According to One Embodiment FIG. 1 is a block diagram showing an example of the configuration of a screening system according to one embodiment of the present invention. As shown in FIG. 1, the examination system 1 mainly includes a server device 10 operated by a life insurance company and a plurality of servers connected by a life insurance company to the server device 10 via a dedicated communication line. Terminal devices 20-1, 20-2,..., 20-N (hereinafter may be collectively referred to as “life insurance terminal device 20”), and can be operated by each user and , 30-N (hereinafter may be collectively referred to as “user terminal device 30”) connected via a communication network 40 including the Internet. , 50-N (hereinafter collectively referred to as “bank terminal device 50”) operated by a bank and connected to the server device 10 via the communication network 40. And).

  In another embodiment, the life insurance terminal device 20 may be connected to the server device 10 via the communication network 40, and the bank terminal device 50 is dedicated to the server device 10. And / or the user terminal device 30 may be connected to the server device 10 via a dedicated communication line.

  The user terminal device 30 operable by the user is connected to the server device 10 and executes a procedure for applying for a group credit life insurance related to a mortgage provided by a bank. The user terminal device 30 is connected to the server device 10 via, for example, a website operated by a bank. Such a website is provided by a web server (not shown) connected to the communication network 40.

The server device 10 performs an assessment on the participation in the group credit life insurance applied from the user terminal device 30 that can be operated by the user and / or the bank terminal device 50 that can be operated by the user, and the result of the assessment is the user terminal device. 30 and / or to the bank terminal device 50.
The life insurance terminal device 20 connected to the server device 10 inputs the result of the assessment conducted by an employee of the life insurance company and transmits it to the server device 10 for the assessment that could not be automatically executed by the server device 10. To do.

A bank terminal device 50 that can be operated by a user in a bank store or the like is connected to the server device 10 and executes a procedure for applying for a group credit life insurance. The bank terminal device 50 is connected to the server device 10 via, for example, a website operated by a bank. Such a website is provided by a web server (not shown) connected to the communication network 40.
Further, the bank terminal device 50 that can be operated by a bank employee or the like is a result of an assessment automatically executed by the server device 10 and / or a result of an assessment conducted by a life insurance company employee or the like. The assessment result received by the server device 10 via the life insurance terminal device 20 is received from the server device 10.
As the bank terminal device 50, a bank terminal device that can be operated by a user and a bank terminal device that can be operated by a bank employee or the like may be provided separately.

2. Configuration of each apparatus constituting the examination system 1 Next, each apparatus constituting the examination system 1 described above, that is, each of the server apparatus 10, the life insurance terminal apparatus 20, the user terminal apparatus 30, and the bank terminal apparatus 50 is configured. An example will be described.

2-1. Configuration of Server Device 10 FIG. 2 is a block diagram showing an example of the configuration of the server device 10 used in the examination system shown in FIG. As shown in FIG. 2, the server device 10 includes a CPU 11, a main memory 12, a user interface (I / F) 13, a communication interface (I / F) 14, an external memory 15, a disk drive 16, These components are electrically connected to each other via a bus 17.

The CPU 11 loads an operating system, a program for realizing various functions, and the like from the external memory 15 into the main memory 12 and executes instructions included in the loaded program. The main memory 12 is used for storing a program executed by the CPU 101, and is constituted by a DRAM, for example.
The CPU 11 performs various processes and calculations based on information received from each of the user terminal device 30, the life insurance terminal device 20, and the bank terminal device 50. Moreover, CPU11 produces | generates the HTML data for displaying a web page according to the information received from the user terminal device 30 and / or the bank terminal device 50. FIG.

  The user I / F 13 includes, for example, an information input device such as a keyboard and a mouse that accepts an operator input, and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 11. The communication I / F 14 is implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof. The server device 10 is communicably connected to the user terminal device 30, the life insurance terminal device 20, and the bank terminal device 50 using the communication I / F 14.

  The external memory 15 is composed of, for example, a magnetic disk drive, and stores various programs such as programs for realizing various functions. The external memory 15 can also store various data used in these programs.

  The disk drive 16 reads data stored in various storage media such as CD-ROM, DVD-ROM, and DVD-R, or writes data to these storage media.

The server device 10 having such a configuration functions as a web server that manages a website composed of a plurality of web pages having a hierarchical structure, and provides group credit life to the user terminal device 30 and / or the bank terminal device 50. Procedures for applying for insurance can be executed. The browser software provided in the user terminal device 30 and / or the bank terminal device 50 acquires HTML data for displaying a web page from the server device 10, analyzes the acquired HTML data, and uses the web page as a user. It can be presented to the terminal device 30 and / or the bank terminal device 50. HTML data for displaying the web page can also be stored in the external memory 15. The HTML data includes an HTML document described in a markup language such as HTML, and various images can be associated with the HTML document using tags. A program written in a script language such as ActionScript or Javascript (registered trademark) can be embedded in the HTML document.
As described above, the server device 10 manages the website used for the procedure for applying for the group credit life insurance, and the web page constituting the website is designated as the user terminal device 30 and / or the bank terminal device 50. By distributing in response to a request from the user, it is possible to cause the user to execute a procedure for applying for group credit life insurance.

2-2. Configuration of Life Insurance Terminal Device 20 The life insurance terminal device 20 is an arbitrary information processing device capable of communicating with the server device 10 in one embodiment, and includes, for example, a mobile phone, a smartphone, a personal computer, and a touch pad. However, it is not limited to these.
FIG. 3 is a block diagram showing an example of the configuration of the life insurance terminal device 20 (bank terminal device 50) used in the examination system shown in FIG. As shown in FIG. 3, the life insurance terminal device 20 includes a CPU 21, a main memory 22, a user interface (I / F) 23, a communication interface (I / F) 24, and an external memory as shown in FIG. These components are electrically connected to each other via a bus 26.
As will be described later, the bank terminal device 50 can have the same configuration as the life insurance terminal device 20 described here.

  The CPU 21 loads various programs such as an operating system from the external memory 25 to the main memory 22 and executes instructions included in the loaded program. The main memory 22 is used for storing a program executed by the CPU 21, and is constituted by a DRAM, for example.

The user I / F 23 includes, for example, an information input device such as a touch panel that accepts user input, a keyboard, a button, and a mouse, and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 21. The communication I / F 24 is implemented as hardware, firmware, communication software such as a TCP / IP driver or PPP driver, or a combination thereof, and via a dedicated communication line (may be the communication network 40). It is configured to be able to communicate with the server device 10.
The external memory 25 is composed of, for example, a magnetic disk drive or a flash memory, and stores various programs such as an operating system.

  In the life insurance terminal device 20 (bank terminal device 50) having such a configuration, the CPU 21 loads a dedicated program from the external memory 25 to the main memory 22, and executes instructions included in the loaded program. The operator of the life insurance terminal device 20 (bank terminal device 50) can exchange various information with the server device 10 via the user I / F 23 and the communication I / F 24.

  In addition, when the life insurance terminal device 20 is connected to the server device 10 via a website provided by the server device 10, the life insurance terminal device 20 has the same configuration as the user terminal device 30 described later. It may be a thing.

2-3. Configuration of User Terminal Device 30 In one embodiment, the user terminal device 30 is an arbitrary information processing device that can display a web page of a website acquired from the server device 10 on a web browser. Including but not limited to telephones, smartphones, personal computers and touchpads.

The configuration of the user terminal device 30 will be described with reference to FIG. FIG. 4 is a block diagram showing an example of the configuration of the user terminal device 30 (bank terminal device 50) used in the examination system 1 shown in FIG. As shown in FIG. 4, the user terminal device 30 includes a CPU 31, a main memory 32, a user interface (I / F) 33, a communication interface (I / F) 34, and an external memory 35. Each component is electrically connected to each other via a bus 36.
As will be described later, the bank terminal device 50 can have the same configuration as the user terminal device 30 described here.

  The CPU 31 loads various programs such as an operating system from the external memory 35 to the main memory 32 and executes instructions included in the loaded program. The main memory 32 is used for storing a program executed by the CPU 31, and is constituted by, for example, a DRAM.

The user I / F 33 includes, for example, an information input device such as a touch panel that accepts user input, a keyboard, buttons, and a mouse, and an information output device such as a liquid crystal display that outputs a calculation result of the CPU 31. The communication I / F 34 is implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof, and is configured to be able to communicate with the server device 10 via the communication network 40. The user terminal device 30 is communicably connected to the server device 10 via the communication I / F 34.
The external memory 35 is configured by, for example, a magnetic disk drive, a flash memory, or the like, and stores various programs such as an operating system.

  The user terminal device 30 having such a configuration includes, for example, browser software for interpreting an HTML file (HTML data) and displaying it on the screen. The user terminal device 30 is obtained from the server device 10 by the function of the browser software. The web page corresponding to the received HTML data can be displayed by interpreting the HTML data. In addition, the user terminal device 30 includes plug-in software (for example, FLASH Player provided by Adobe Systems) (FLASH is a trademark) incorporated in browser software, and a SWF format file embedded in HTML data. Can be acquired from the server device 10, and the SWF format file can be executed using browser software and plug-in software.

  When an HTML format file (HTML data) is interpreted by the user terminal device 30, for example, an animation and an operation icon specified in the file are displayed on the screen of the user terminal device 30. The user can use the input interface (for example, touch screen or button) of the user terminal device 30 to input instructions necessary for proceeding with the procedure for applying for group credit life insurance. An instruction input from the user is transmitted to the server device 10 through a platform function such as a browser of the user terminal device 30.

2-4. Configuration of Bank Terminal Device 50 In one embodiment, the bank terminal device 50 has the same function as the user terminal device 30 that can be operated by a user. That is, in one embodiment, the bank terminal device 50 is an arbitrary information processing device capable of displaying a web page of a website acquired from the server device 10 on a web browser, and includes, for example, a mobile phone, a smartphone, Including but not limited to personal computers and touchpads.
Furthermore, in one embodiment, such a bank terminal device 50 is a terminal device that can be operated by a bank employee or the like and can function as a terminal device that exchanges various information with the server device. .
In this sense, the bank terminal device 50 can have the same configuration as the user terminal device 30 (FIG. 4) and the life insurance terminal device 20 (FIG. 3) described above.

3. Functions of each device constituting the examination system 1 Next, each device constituting the examination system 1 described above, that is, each of the server device 10, the life insurance terminal device 20, the user terminal device 30, and the bank terminal device 50 has. An example of the function will be described.

3-1. Functions of Server Device 10 FIG. 5 is a block diagram showing an example of functions of the server device 10 used in the examination system 1 shown in FIG. As illustrated in FIG. 5, the server device 10 mainly includes a reception unit 110, an assessment unit 112, a transmission unit 114, a control / processing unit 116, and a storage unit 118.

The receiving unit 110 receives user information regarding the user from the user terminal device 30 operable by the user and / or the bank terminal device 50 operable by the user via a communication line including the communication network 40.
The assessment unit 112 automatically performs assessment on whether or not the user can join group credit life insurance using a computer based on the user information.
The transmission unit 114 transmits assessment result information regarding the assessment result to the user terminal device 30 operable by the user and / or the bank terminal device 50 operable by the user via a communication line including the communication network 40.
The control / processing unit 116 controls each of the above units and performs various information processing.
The storage unit 118 stores various types of information including information processed by the above units.

  The above-described units included in the server device 10 can be realized by the hardware configuration described with reference to FIG. Each of the above-described units is used to realize the operation of the server device 10 described later in “4. Operation of the examination system 1”.

  In addition, each of the units included in the server device 10 is executed by the server device 10 when the CPU 11 loads a predetermined program installed in the external memory 15 into the main memory 12 and executes an instruction included in the loaded program. This is a function that is realized.

3-2. Functions of Life Insurance Terminal Device 20 FIG. 6 is a block diagram showing an example of functions of the life insurance terminal device 20 used in the examination system 1 shown in FIG. As shown in FIG. 6, the life insurance terminal device 20 mainly includes a reception unit 120, an input unit 122, a transmission unit 124, a control / processing unit 126, and a storage unit 128.

The receiving unit 120 receives user information transmitted from the terminal device 30 that can be operated by the user and / or the bank terminal device 50 that can be operated by the user and received by the server device 10, including a communication line (including the communication network 40). May be received from the server device 10.
The input unit 122 uses a computer to determine whether a group credit life insurance can be enrolled based on user information. The assessment result information regarding the assessment result is input from the operator of the life insurance terminal device 20 operated by the insurance company.
The transmission unit 124 transmits the assessment result information to the server device 10 via a communication line (which may include the communication network 40).
The control / processing unit 126 controls each of the above units and performs various information processing.
The storage unit 128 stores various types of information including information processed by the above units.

  The above-described units included in the life insurance terminal device 20 can be realized by, for example, the hardware configuration described with reference to FIG. Each of the above-described units is used to realize the operation of the life insurance terminal device 20 described later in “4. Operation of the examination system 1”.

  In addition, the above-described units included in the life insurance terminal device 20 are configured so that the CPU 21 loads a predetermined program installed in the external memory 25 into the main memory 22 and executes instructions included in the loaded program. This is a function realized by the terminal device 20. The predetermined program may be a web browser or an application program specially prepared for the life insurance terminal device 20.

3-3. Functions of User Terminal Device 30 FIG. 7 is a block diagram showing an example of functions of the user terminal device 30 used in the examination system 1 shown in FIG. As shown in FIG. 7, the user terminal device 30 mainly includes a transmission unit 130, a reception unit 132, a control / processing unit 134, and a storage unit 136.

The transmission unit 130 transmits user information regarding the user to the server device 10 via a communication line including the communication network 40. The receiving unit 132 communicates assessment result information relating to the assessment result automatically executed by the server device 10 using a computer based on the user information as to whether or not the user can join the group credit life insurance. The data is received from the server device 10 via a communication line including the network 40.
The control / processing unit 134 controls each of the above units and performs various information processing.
The storage unit 136 stores various types of information including information processed by the above units.

  The above-described units included in the user terminal device 30 can be realized by, for example, the hardware configuration described with reference to FIG. The above-described units are used to realize the operation of the user terminal device 30 described later in “4. Operation of the examination system 1”.

  In addition, each of the units included in the user terminal device 30 is configured such that the CPU 31 loads a predetermined program installed in the external memory 35 into the main memory 32 and executes a command included in the loaded program. This is a function realized by 30. The predetermined program may be a web browser or an application program specially prepared for the user terminal device 30.

3-4. Function of Bank Terminal Device 50 FIG. 8 is a block diagram showing an example of the function of the bank terminal device 50 used in the examination system 1 shown in FIG. As shown in FIG. 8, the bank terminal device 50 mainly includes a transmission unit 150, a reception unit 152, a control / processing unit 154, and a storage unit 156.

  As described above, the bank terminal device 50 has the same function as the user terminal device 30 that can be operated by the user. In this sense, the transmission unit 150 transmits user information regarding the user to the server device 10 via a communication line including the communication network 40. The receiving unit 152 communicates assessment result information relating to the assessment result automatically executed by the server device 10 using a computer based on the user information as to whether or not the user can join the group credit life insurance. The data is received from the server device 10 via a communication line including the network 40. The control / processing unit 154 controls each of the above units and performs various information processing. The storage unit 156 stores various types of information including information processed by the above units.

  Furthermore, as described above, the bank terminal device 50 is a terminal device that can be operated by a bank employee or the like and can function as a terminal device that exchanges various information with the server device 10. In this sense, the receiving unit 152 indicates that the assessment regarding whether or not the user can join the group credit life insurance is automatically performed by the server device 10 using the computer based on the user information regarding the user. Information to be received is received from the server device 10 via a communication line (which may include the communication network 40). Further, the receiving unit 152 receives assessment result information about the user from the server device 10 via a communication line (which may include the communication network 40). Moreover, the transmission part 150 transmits the signal to the effect of request | requiring assessment result information about a user to the server apparatus 10 via a communication line (it may include the communication network 40). The control / processing unit 154 controls each of the above units and performs various information processing. The storage unit 156 stores various types of information including information processed by the above units.

  The above-described units included in the bank terminal device 50 can be realized by the hardware configuration described with reference to FIGS. 3 and / or 4, for example. The above-described units are used to realize the operation of the bank terminal device 50 described later in “4. Operation of the examination system 1”.

  In addition, the above-described units of the bank terminal device 50 are configured such that the CPU 21 (CPU 31) loads a predetermined program installed in the external memory 25 (external memory 35) into the main memory 22 (main memory 32), This is a function realized by the bank terminal device 50 by executing the included command. The predetermined program may be a web browser or an application program specially prepared for the bank terminal device 50.

4). Operation of Screening System 1 Next, the operation performed in the screening system 1 having the above configuration will be described.
4-1. When automatic assessment is possible First, a case where the server device 10 can automatically assess whether or not a user can join group credit life insurance will be described. 9A and 9B are flowcharts showing a first example of operations performed in the examination system 1 shown in FIG.
First, a large number of letters of guidance (pamphlets, letters, postcards, etc.) regarding the participation in group credit life insurance distributed to users at banks and the like are prepared in advance. Each guide letter is printed with an authentication code unique to the guide letter. Each authentication code is generated by the server device 10 operated by the life insurance company and stored in the storage unit 118 as, for example, an authentication code table (corresponding to a security number unique to the authentication code). As will be described later, each authentication code can be valid only within a predetermined period (for example, an arbitrary period such as one month to three months).
Furthermore, identification information (URL or the like) for identifying a website operated by a bank to which the guide letter is distributed may be printed on such a guide letter.

Many guides prepared in this way are distributed to banks in advance.
A certain user (referred to as “User A” in this case) visits a store of a bank (referred to as “Bank A” in this case) or the like in order to borrow a mortgage. At the store or the like, the user A receives the above-mentioned guide regarding the group credit life insurance related to the mortgage (or the bank A mails the above-mentioned guide to the user later). Identification information (URL or the like) for identifying a website operated by the bank A is printed on the guide letter (or a pamphlet attached to the guide letter). Further, the guide letter (or a pamphlet attached to the guide letter) is issued by the bank A and an authentication code unique to the guide letter is printed.

  Referring to FIG. 9, in step (hereinafter referred to as “ST”) 200, the user A uses the user terminal device 30 owned by the user A, and the guide letter (or a pamphlet attached to the guide letter). The website specified by the URL printed on the website A and operated by the bank A is accessed. Thereby, in step ST202, the user A browses the website operated by the bank A. This website includes a website that describes the mortgage that the user wants to borrow. This website contains an identification that identifies the website operated by a life insurance company (herein referred to as “life insurance company B”) that provides services related to group credit life insurance (related to this mortgage) Information (URL etc.) is included.

  By clicking the URL, the user A accesses the top page of the website operated by the life insurance company B for applying for the group credit life insurance in ST204. FIG. 10A is a schematic diagram illustrating an example of such a top page. The user A clicks on an icon 250 “start use” included in the screen shown in FIG. 10A to shift to a login screen as shown in FIG. 10B.

In ST206, the user A inputs an authentication code unique to the guide written in the guide (that is, an authentication code unique to the user A) into the field 250 included in the screen shown in FIG. 10B. Can log in (establish a connection with the server device 10).
Here, in addition to inputting the authentication code, as illustrated in FIG. 10B, the user A displays characters (here, “1269”) included in the image randomly displayed on the screen in the field. The user may be able to log in by inputting to H.251. In one embodiment, as long as the user A does not input an appropriate character, the process may repeat ST206 (the process does not shift to ST208).
In ST208, server device 10 completes the authentication procedure when the authentication code received from user terminal device 30 of the user A matches the authentication code included in the authentication code table stored in storage unit 118. Then, the process proceeds to ST210 (if both do not match, the process returns to ST206).

  In one embodiment, the server device 10 determines whether the authentication code received from the user terminal device 30 has expired, and only when the received authentication code has not expired. The process may be transferred to ST210. Since each authentication code is generated by the server device 10 as described above, the server device 10 stores the generation date in the storage unit 118 in association with the authentication code when the authentication code is generated, for example. The authentication code received from the user terminal device 30 has expired by comparing the date when the authentication code was received from the user terminal device 30 in ST208 and the generation date of the authentication code. It can be determined whether or not.

  In ST210, a screen for inputting basic information of the user A is displayed on the display unit of the user terminal device 30 as shown in FIG. 10C. As shown in FIG. 10C, the user A, as information about the user A, includes, for example, a reception number (which can be used as an option as described later), name kanji, name kana, date of birth, gender, zip code, address You will be prompted to enter your telephone number, expected borrowing date, expected borrowing amount, scheduled borrowing period, etc. When the user A inputs all the information and clicks the “I agree” icon 252, these information and the application date (the application date is automatically input) are the user information (basic information) regarding the user A. Is transmitted to the server device 10.

  In ST212, when the reception number received from the user terminal device 30 matches the reception number stored in advance in the storage unit 118, the server device 10 corresponds to the authentication code unique to the user A used in ST208. In addition, the basic information is stored in the storage unit 118 (for example, in the notification information table) (if the two do not match, the process returns to ST210). The receipt number can be used as an option and is issued by the bank A. The server device 10 of the life insurance company B receives the receipt number issued by the bank A and stores it in advance. It can be stored in the unit 118. This receipt number can be used as a common key among the three parties of user A, bank A and life insurance company B.

  In ST214, a screen (not shown) for confirming the explanation about the group credit life insurance, the explanation about the handling of the personal information, and the explanation about the important matters is displayed on the display unit of the user terminal device 30. When the user A clicks on an icon indicating that these explanations have been confirmed (for example, checking a PDF that describes these explanations), information indicating that fact is transmitted to the server device 10.

  If the server apparatus 10 confirms the information in ST216, the process moves to ST218 (if the server apparatus 10 cannot confirm the information, the process returns to ST214).

  In ST218, a screen for performing basic notification is displayed on the display unit of the user terminal device 30 as shown in FIGS. 10D and 10E. When the user A has the corresponding injury or illness or the like in the question items 1 to 4 illustrated in FIG. 10D and FIG. 10E, click the “Yes” icon 253 to 256 in the corresponding question item, and After designating an icon corresponding to the disease to be performed, an “Next” icon 257 shown in FIG. 10E is clicked. Thereby, the user terminal device 30 transmits information input to the user A in this way to the server device 10.

  In ST220, the server device 10 uses the predetermined information stored in the storage unit 118 as a wound / illness definition file in association with the wound / ill / disability, and includes screen information including specific questions corresponding to each wound / disorder. Is transmitted to the user terminal device 30.

  In ST222, on the display unit of the user terminal device 30, a screen for performing injury / disease notification is displayed as shown in FIG. 10F. In the screen shown in FIG. 10F, icons for inputting more detailed answers regarding the sickness and disability notified by the user A in ST218 are displayed. For example, in FIG. 10F, in response to the fact that the user A has notified the wounds of “asthma”, “hypertension”, “no corresponding disease name”, and “sight” in ST218, Icon is displayed. By clicking on these icons, the user A answers a detailed question. For example, FIG. 10G shows an example of a screen for answering a detailed question about “asthaku”. Although not shown, the screen for answering detailed questions is also displayed for the injuries / disabilities of “high blood pressure”, “no corresponding disease name”, and “sight”.

  When the user A answers the questions about all the injuries / disabilities and clicks the “next” icon shown in FIG. 10G, the display of the user terminal device 30 is omitted from illustration in ST218 and ST222. All notification contents entered by the user A are displayed for the final confirmation or correction by the user A.

  When the user A finally confirms all the notification contents displayed on the screen, in ST224, by clicking a predetermined icon (for example, “send notification contents” icon (not shown)) The notification content (notification information) replied in ST222 (which may include the notification content replied in ST218) is transmitted to the server device 10 as user information of the user A.

  In one embodiment, after the predetermined icon is clicked, the user A may not be able to correct or cancel the notification content. To notify the user to that effect, for example, if you click the “Send Notification Content” icon on the screen, the input will be completed and you will not be able to revise or cancel the notification content on this site. After confirming the content of the notification, a message such as “Please press the icon of“ send notification content ”” may be displayed.

  In ST226, the server device 10 transmits user information regarding the user A, that is, basic information about the user A stored in the notification information table of the storage unit 118, and notification about the user A received from the user terminal device 30 in ST224. Based on the information (this notification information may also be stored in the notification information table of the storage unit 118), the server device 10 makes an assessment as to whether the user A can join the group credit life insurance. Can be automatically executed using the rule engine of the.

The rule engine used by the server device 10 stores a determination result (underwriting, unacceptable, automatic assessment impossible, etc.) in association with each of a plurality of conditions, and according to the conditions when the conditions are input The determination result can be output. For example, the rule engine may indicate that “the user's notification information does not include any injury or disability” or “the user's notification information includes only injury or disability belonging to Group 1 (slight injury or disability)”. The determination result Y1 indicating that acceptance is possible is stored in association with the condition X1, or the condition X2 that the user's notification information includes wounds or disabilities (medium injury or disability) belonging to the groups 2 to 5 is included. The determination result Y2 that the acceptance is not possible is stored in association with the above, and when the condition X1 is input, the determination result Y1 that the acceptance is possible is output, and when the condition X2 is input, the acceptance is not possible. The determination result Y2 can be output. Such an example is an extremely simplified example. Actually, the determination result Y is stored in association with the complicated condition X (conditions using various parameters related to each disease / disability). It is also possible.
In yet another embodiment, the rule engine may use not only the notification information of the basic information of the user as the condition X, but also the condition X generated using the basic information instead of or together with the notification information. Good. For example, the rule engine can also use as condition X whether the “scheduled borrowing amount” included in the basic information is equal to or less than a predetermined amount (notification handling limit).

The server apparatus 10 provides assessment result information (underwriting, non-underwriting, automatic assessment is impossible) regarding the result of the assessment regarding whether or not the user A can join group life insurance, for example, notification information in the storage unit 118. The table can be stored in association with an authentication code unique to the user A.
Thereafter, the server device 10 transmits information including assessment result information about the user A to the user terminal device 30.

  In ST226, as will be described later, when the assessment of the user A is completed, the server device 10 indicates that the assessment result is “can be underwritten, cannot be underwritten, cannot be automatically assessed”. However, information indicating that such assessment has been automatically performed can be transmitted to the bank terminal device 50 of the bank A. Thereby, the employee of the bank A can recognize the progress of the assessment by the life insurance company B for the user A. The information transmitted from the server device 10 to the bank terminal device 50 indicating that the assessment has been automatically performed includes user information regarding the user A (arbitrary information constituting basic information and / or notification information), for example, Arbitrary information including information such as the authentication code of the user A, the reception number, the insured number, and the name may be included. In one embodiment, the server device 10 (which may be the life insurance terminal device 20) determines whether or not there is a case for which a new assessment has been made every predetermined period (periodically), If such a case exists, the bank indicates information indicating that such an assessment has been made, along with information including information identifying the case (for example, user authentication code, receipt number, name, etc.) A's bank terminal device 50 can be notified.

  In ST228, a screen for showing the result of the assessment is displayed on the display unit of the user terminal device 30 as shown in FIG. 10H. FIG. 10H shows, as an example, a screen on which the result of an assessment that user A can join group life insurance (can be underwritten) is displayed.

  In ST230, when the user A presses the “print” icon, the user terminal device 30 transmits a signal requesting an application form and a report to the server apparatus 10. Thereby, in ST232, the server device 10 generates an application form and a notice form (application form and notice form) as, for example, a PDF file using the user information (basic information and notice information) stored in the notice information table. To the user terminal device 30. As a result, in ST234, the user terminal device 30 can print the received application form and notice. After the printing is completed, the user terminal device 30 automatically logs out, for example, and disconnects from the server device 10. Thus, the user A cannot print the application form and the notification form again regardless of how the web browser is operated (for example, by clicking the “return” button of the web browser).

  In the present embodiment, the case where the user A performs the operation described in ST200, 206, 210, 214, 218, 222, 224, 228, 230, 234 using the user terminal device 30 owned by the user A has been described. However, the user A can also perform any operation using the bank terminal device 50 installed in the store of the bank A or the like.

  In ST236, an employee of the bank A can operate the bank terminal device 50 operated by the bank A to access the server device 10 of the life insurance company B and retrieve an assessment result for each user. Specifically, for example, the employee or the like uses the bank terminal device 50 to search for information unique to the user A, for example, information such as an authentication code, a reception number, an insured person number, and a name of the user A Can be transmitted to the server device 10 as follows. As described in connection with ST226, for example, when the server device 10 automatically executes the assessment regarding the user A, the server device 10 uses the bank terminal to send information related to the user A together with information indicating that. Sent to the device 50.

  In ST238, the server device 10 that has received the signal requesting the assessment result for the user A from the bank terminal device 50 searches the notification information table by using the received search key, whereby the assessment result for the user A (here) Then “acceptable” is acquired and transmitted to the bank terminal device 50. In one embodiment, the server device 10 protects the bank terminal device 50 from the user A's privacy (when the bank A employee examines whether or not to provide the user with a mortgage, In view of the fact that the user A's notification information is originally unnecessary), only the assessment result of the user A may be transmitted, and the user information (basic information and / or notification information) of the user A may not be transmitted. In another embodiment, the server device 10 transmits user information (basic information and / or announcement information) about the user A to the bank terminal device 50 in addition to the assessment result about the user A. Is also possible.

  In ST240, the bank terminal device 50 can use the information received from the server device 10 to present the result of the assessment of the user A to the employees of the bank A on the display unit. In one embodiment, in order to protect the privacy of the user A, the bank terminal device 50 can receive (download) only the information indicating the assessment result for the user A from the server device 10 as data. In another embodiment, the bank terminal device 50 uses not only information indicating the result of the assessment of the user A but also information related to the assessment (for example, basic information and / or notification information of the user A) as data. It can be received (downloaded) from the server device 10.

  As a result, in ST242, the bank A employee, etc., examines whether or not to provide a mortgage to the user A in consideration of the result of the evaluation of the user A. Here, since the result of the examination is “Acceptable”, for example, an employee of bank A, for example, decides to provide a mortgage to the user A (execute a loan), and in ST244 this project is bank A. Deliver to the loan performer. Thereafter, the loan executor executes a procedure related to the mortgage with the user A.

  In ST210 to ST224 described above, when the user A does not perform any operation for a predetermined time (for example, 30 minutes) or more using the user terminal device 30, the user A uses the user terminal device 30. All information entered so far can be erased. This can be realized by monitoring whether a predetermined time has elapsed since the server device 10 received some information from the user terminal device 30, for example.

4-2. If automatic assessment is impossible (due to injury / illness / disability) , the server device 10 may automatically assess whether the user can join group credit life insurance (notification information). The case where it is impossible (due to injury / illness / disability included in the above) will be explained. FIG. 11 is a flowchart showing a second example of the operation performed in the examination system 1 shown in FIG. Here, the description will focus on only the parts that are different from those described with reference to FIGS. 9A and 9B.

  In ST226 shown in FIG. 9A, as described above, server device 10 determines whether user A can join group credit life insurance based on the notification information about user A received from user terminal device 30. This assessment is automatically executed using the rule engine of the server device 10. Here, the server apparatus 10 transmits information including assessment result information about the user A (automatic assessment is impossible due to injury / illness included in the notification information) to the user terminal apparatus 30. Thereafter, processing similar to that described above with reference to FIGS. 9A and 9B is performed, and in ST234, the terminal device 30 at the user A logs out as described above.

  Thereafter, referring to FIG. 11, an employee of life insurance company B, etc., in order to assess whether user A can join group life insurance, Or notification information). Therefore, in ST300, the employee first operates the life insurance terminal device 20, and uses information unique to the user A, for example, the authentication code of the user A, the reception number, the insured number, the name, etc. as a search key. The server device 10 is requested for user information on the user A.

  In ST302, the server device 10 uses the search key received from the life insurance terminal device 20 to search the notification information table, whereby the result of the assessment made by the server device 10 for the user A (automatic assessment is not possible). Information and user information of the user A (basic information and / or notification information) are acquired and transmitted to the life insurance terminal device 20.

  In ST304, on the display unit of the life insurance terminal device 20, the user information on the user A received from the server device 10 and information on the assessment result are displayed. In ST306, the employee or the like operates the life insurance terminal device 20 to instruct the user A to print the application form and the notification form (application form / notification form). In ST308, the server device 10 generates an application form and notice form for the user A as, for example, a PDF file and transmits it to the life insurance terminal device 20. Thereby, the application form and notification form of the user A are printed by the life insurance terminal device 20.

  In ST310, the printed application form and notice form of the user A are conveyed to a predetermined department (for example, contract assessment section) of the life insurance company. The employees of this department examine the contents of the application form and the announcement form to determine whether the user A can join group credit life insurance. Thereafter, the employee or the like operates the life insurance terminal device 20 and inputs the result of the assessment regarding the user A (rear assessment).

  In ST312, the employee or the like operates the life insurance terminal device 20 and transmits information related to the result of the backward assessment regarding the user A (acceptable or not acceptable) to the server device 10. Thereby, in ST314, the server apparatus 10 stores the result of the backward assessment regarding the user A in the notification information table in association with information unique to the user A (for example, an authentication code). In parallel with or after this, the life insurance terminal device 20 transmits information indicating that the backward assessment has been completed for the user A to the bank terminal device 50 of the bank A. In one embodiment, the life insurance terminal device 20 (which may be the server device 10) determines whether or not there is a case where a backward assessment has been made for a new user every predetermined period (periodically). If such a case exists, information including information specifying the case (for example, a user authentication code, a reception number, and a name) may be notified to the bank terminal device 50 of the bank A. it can. In this way, in ST316, the bank terminal device 50 of the bank A can receive information indicating which user has newly executed the backward assessment.

  In ST312, an employee of life insurance company B may notify bank A of the fact that the backward assessment has been completed for the user including user A and / or the result of the backward assessment using a telephone or a letter. . Thereby, in ST318, an employee of bank A can recognize that the backward assessment has been executed for the user including the user A and / or the result of the backward assessment.

In ST320, a bank A employee or the like can operate the bank terminal device 50 to request a list of cases that have been back-assessed. In ST322, server device 10 transmits a list of cases for which backward assessment has been made to bank terminal device 50. In ST324, the bank A employee or the like who sees this list operates the bank terminal device 50 to request the server device 10 for the result of the backward assessment for a predetermined user (for example, user A). In response to this, in ST326, the display unit of the bank terminal device 50 displays information related to the result of the backward assessment for the user A received from the server device 10.
In one embodiment, in order to protect the privacy of the user A, the bank terminal device 50 can receive (download) only the information indicating the result of the backward assessment of the user A from the server device 10 as data. In another embodiment, the bank terminal device 50 stores not only information indicating the result of the backward assessment of the user A but also information related to the assessment (for example, basic information and / or announcement information of the user A). Can be received (downloaded) from the server device 10.
Note that in ST326, the bank terminal device 50 can also transmit information regarding the result of the backward assessment of the user A received in this way to the user terminal device 30 of the user A (not knowing the result of the backward assessment). It is. Thereby, in ST328, the user A can recognize the result of the backward assessment by operating the user terminal device 30.
Thereafter, although not shown in FIG. 11, processing similar to that described in connection with ST242 and 244 (see FIG. 9B) is performed.

  In addition, although the case where the operation | movement regarding ST312,316-326 was performed in relation to back assessment was demonstrated, this operation is not limited only to back assessment, and assessment performed automatically by the server apparatus 10 The same applies to the above. That is, in the operations related to ST312, 316 to 326, (as long as no contradiction occurs), “backward assessment” can be simply read as “assessment automatically executed by the server device”. Thereby, the employee of the bank A uses the bank terminal device 50 and receives information indicating that the assessment relating to the group credit life insurance has been automatically executed for each user from the server device 10 of the life insurance company B. Therefore, it is possible to easily and quickly recognize the progress of the assessment relating to the group credit life insurance for each user.

4-3. If automatic assessment is not possible (due to borrowing amount) , the server device 10 can automatically assess whether the user can join group credit life insurance (in the basic information). Explain the case where it is impossible (due to the amount of borrowing included). Here, the description will focus on only the parts different from those described with reference to FIGS. 9A and 9B and FIG.

  In ST226 shown in FIG. 9A, as described above, server device 10 determines whether user A can join group credit life insurance based on the notification information about user A received from user terminal device 30. This assessment is automatically executed using the rule engine of the server device 10. Here, the server device 10 transmits information including assessment result information about the user A (automatic assessment is impossible due to the borrowing amount included in the basic information) to the user terminal device 30. Thereafter, as described above with reference to FIG. 9A, processing similar to that in ST228 is performed.

  In this case, after STST 228 shown in FIG. 9A (and before ST 230 shown in FIG. 9B), new STs 400, 402, 404 (not shown) are executed. In ST400, the user A operates the user terminal device 30 to request the server device 10 to print a health certificate (health certificate). In ST402, the server device 10 generates, for example, a health certificate form stored in the storage unit 118 as a PDF file, and transmits the PDF file to the user terminal device 30. Thereby, in ST404, the user A can print the form of the health check-up form to be filled in by the doctor using the user terminal device 30. Thereafter, ST230, 232, and 234 are executed as described above with reference to FIG. 9B.

  Thereafter, the user A mails a health certificate on which predetermined matters are described by the doctor to the bank A. As a result, the health certificate is conveyed from the bank A to the predetermined department (for example, contract assessment section) of the life insurance company B by mail or the like. Alternatively, an employee of the bank A or the like can digitize the health certificate received from the user A and transmit it to the life insurance terminal device 20 of the life insurance company B using the bank terminal device 50.

  Thereafter, as described above with reference to FIG. 11, processing similar to that in ST300 to ST308 is performed. Next, in ST310 described above with reference to FIG. 11, in addition to the contents of the application form and the notification form, the employees of this department scrutinize the contents of the health certificate written by the doctor, Judges whether or not they can join group credit life insurance. Thereafter, the employee or the like operates the life insurance terminal device 20 and inputs the result of the assessment regarding the user A (rear assessment). Thereafter, as described above with reference to FIG. 11, processing similar to that in ST312 to ST238 is performed, and then processing similar to that in STST242 and 244 is performed as described above with reference to FIG. 9B.

  In the above-described embodiment, the case where the user accesses the website operated by the life insurance company B via the website operated by the bank A has been described. However, the user operates by the bank A. The website operated by the life insurance company B may be directly accessed without going through the website.

  In the above-described embodiment, there is a possibility that the same user may be examined for group life insurance of life insurance company B using a plurality of mutually different authentication codes. In this case, when the server device 10 receives basic information from the user in ST212, the name (kanji), name (kana), date of birth, sex, zip code, etc. included in the basic information By searching the notification information table using a plurality of search keys as a search key, it is possible to detect whether or not the same user has been assessed using a plurality of mutually different authentication codes. When detecting such a situation, the server device 10 transmits a warning message indicating the fact to the life insurance terminal device 20 at an arbitrary timing (for example, after the completion of ST234). be able to.

As described above, in the above embodiment, each user himself / herself uses a terminal device and through a website operated by the life insurance company B, the group credit life (related to the mortgage of the bank A). The insurance device B can receive a screening automatically performed by a computer using the server device of the life insurance company B with respect to the insurance, and the result of the screening can be quickly received from the server device. Further, the bank terminal device of bank A can quickly receive the result of such examination from the server device via the communication line. Therefore, the bank A can execute the assessment relating to the mortgage loan for the user by using the result of the examination relating to the group credit life insurance received promptly.
As a result, the life insurance company B and the application form for the group credit life insurance are compared with the case where the application form is mailed from the user to the life insurance company B via the bank A (which causes time and cost due to logistics). Each of the banks A can remarkably quickly carry out the examination concerning the participation of the group credit life insurance and the examination concerning the mortgage.

In addition, matters (eg basic information and announcement information) that the user needs to enter in the application form and / or notice form when applying for group credit life insurance are via the website operated by life insurance company B. And transmitted from the user terminal device to the server device of life insurance company B according to a predetermined format. This effectively suppresses the possibility of omissions or errors in items to be entered in the application form and / or notification form. Time and cost can be reduced (as a result, the time and cost required for the mortgage screening can also be reduced).
As described above, according to the above-described embodiment, it is possible to promote examination related to financial services provided by a plurality of different financial institutions.

  Furthermore, the bank terminal device of bank A receives only the result of examination for each user by the life insurance company related to group credit life insurance from the server device (that is, the basic information and / or the notification information of each user is stored in the server). It is possible that each user does not receive basic information and / or notification information unnecessary for the mortgage screening without the bank A knowing it. Can be obtained from Life Insurance Company B. Thereby, each user can protect his personal information and confidential information.

  In the above-described embodiment, as a most preferable mode, a life insurance company as a second financial institution provides a user with the life insurance company for a financial service (mortgage) provided by a bank as a first financial institution. The bank conducts a review on whether the user can receive a mortgage loan after performing a review on whether or not the user can participate in a financial service (group credit life insurance) It explained with attention. However, the technical idea disclosed in the present application is not limited to this. Financial institutions include, but are not limited to, financial institutions such as deposit handling (banks, credit unions, labor unions, etc.), financial product dealers and insurance companies. Furthermore, the financial institution includes a financial institution defined by laws of other countries. In addition, financial services include financing services (such as mortgages, automobile loans, education loans, card loans, etc., loans developed similar to or equivalent to those developed after this application), and such Insurance services related to various loans (group credit life insurance, group credit long-term care insurance, special group life insurance (nursing care, sickness security, etc.), income security insurance, unemployment credit cost insurance, unemployment credit cost insurance, etc., and Such as insurance developed similar to or equivalent to those developed after the filing of the present application without limitation.

  The various embodiments described above can be combined with each other as long as no contradiction arises.

  The processes and procedures described in the present specification can be realized not only by those explicitly described in the embodiment but also by software, hardware, or a combination thereof. Specifically, the processes and procedures described in this specification are realized by mounting logic corresponding to the processes on a medium such as an integrated circuit, a volatile memory, a nonvolatile memory, a magnetic disk, or an optical storage. Is done. Further, the processes and procedures described in this specification can be implemented as a computer program and executed by various computers.

  Even though the processes and procedures described herein are described as being performed by a single device, software, component, or module, such processes or procedures may include multiple devices, multiple software, It may be executed by multiple components and / or multiple modules. Further, even if it is described that the data, table, or database described in this specification is stored in a single memory, such data, table, or database may be stored in a single device. Or a plurality of memories arranged in a distributed manner in a plurality of devices. Further, the software and hardware elements described herein may be realized by integrating them into fewer components or by disassembling them into more components.

1 Examination System 10 Server Device 20 Life Insurance Terminal Device 30 User Terminal Device 40 Communication Network 50 Bank Terminal Device

Claims (28)

Via a website operated by a first financial institution examining a loan for a user, the terminal device operable by the user is provided so as to be able to communicate, and examines the user's participation in the insurance related to the loan. A server device operated by a second financial institution,
Receiving means for directly receiving user information about the user from the terminal device via a communication line without using a computer operated by the first financial institution ;
Assessing means for automatically executing an assessment as to whether or not the user can take out the insurance using a computer based on the user information, wherein the judgment result is associated with each of a plurality of conditions. Storing, and using the process of outputting a determination result corresponding to a condition that the user information satisfies among the plurality of conditions, an assessment unit that performs the assessment ;
Equipped with,
The second financial institution is a predetermined financial institution irrespective of the user information received by the receiving unit from the terminal device,
The server apparatus characterized in that , among the user information, notification information including information related to the user's injury and / or disability is not transmitted from the terminal device to a computer operated by the first financial institution . The server apparatus according to claim 1, further comprising a transmission unit configured to transmit assessment result information related to the assessment result to the terminal device operable by the user via a communication line. Via a website operated by a first financial institution examining a loan for a user, the terminal device operable by the user is provided so as to be able to communicate, and examines the user's participation in insurance related to the loan. A server device operated by a second financial institution,
Receiving means for receiving user information about the user from the terminal device via a communication line;
Assessing means for automatically executing an assessment as to whether or not the user can take out the insurance using a computer based on the user information, wherein the judgment result is associated with each of a plurality of conditions. Storing, and using the process of outputting a determination result corresponding to a condition that the user information satisfies among the plurality of conditions, an assessment unit that performs the assessment;
Only when the receiving means receives a signal from the terminal device operated by the first financial institution to request the assessment result information regarding the assessment result for the user via the communication line, via the communication line. Transmitting means for transmitting the assessment result information for the user to the terminal device operated by the first financial institution;
Comprising
The server device, wherein the second financial institution is a predetermined financial institution irrespective of the user information received by the receiving unit from the terminal device operable by the user. The server apparatus according to any one of claims 1 to 3, wherein the assessment result information includes information indicating a result that the user can join the insurance. The server device is capable of operating a specific website identified by identification information included in the website and communicating with a terminal device operable by the user via the specific website. The server apparatus in any one of Claims 1-4 . The receiving unit receives, as the user information, basic information including at least information related to the name and date of birth of the user, and notification information including at least information related to the injury and / or disability of the user. The server device according to claim 5 . The receiving unit after receiving the said user information finally checked by the user does not receive the user information modified by the user, the server according to any one of claims 1 to 6 apparatus. After the transmission means transmits an application form for the user to apply for the insurance and includes information on the user to a terminal device operable by the user, the server device After the connection between the terminal device that can be operated by the user and the terminal device is once disconnected,
It said transmission means, again, does not transmit to the operable terminal device by the user the application form, the server apparatus according to any one of claims 2 7. The transmission means transmits information indicating that the assessment is performed for the user via the communication line to the terminal device operated by the first financial institution, any of claims 2 8 The server device described in 1. The transmission means according to any one of claims 2 to 9 , wherein the transmission means does not transmit information related to the user's injury and / or disability included in the user information to a terminal device operated by the first financial institution. The server apparatus according to the above. The transmission unit, the user information received by the receiving unit, to the terminal device operated by the second financial institution via a communication line, according to claims 2 to claim 10 Server device. The receiving means, for the user determined to be unable to automatically execute the assessment by a computer, the assessment result information input by an operator of a terminal device operated by the second financial institution, The server device according to any one of claims 1 to 11 , wherein the server device is received from a terminal device operated by the second financial institution via a communication line. It is possible to connect to a server device operated by a second financial institution that examines the user's participation in the insurance related to the loan via a website operated by a first financial institution that examines the loan for the user. A terminal device provided and operable by the user,
Transmitting means for directly transmitting user information about the user to the server device via a communication line without going through a computer operated by the first financial institution , and the user information Transmission means for not transmitting notification information including information on injury and / or disability to a computer operated by the first financial institution ;
An assessment result information about an assessment result automatically executed by the server device using a computer based on the user information as to whether or not the user can take out the insurance is received via a communication line. Receiving means to communicate,
Equipped with,
The second financial institution is a predetermined financial institution irrespective of the user information transmitted from the terminal device to the server device,
The assessment is executed by the server device using a process of storing a determination result in association with each of a plurality of conditions and outputting a determination result corresponding to a condition satisfied by the user information among the plurality of conditions. that, the terminal apparatus characterized by. The terminal device according to claim 13 , wherein the assessment result information includes information indicating a result that the user can join the insurance. A terminal device operated by a first financial institution that examines a loan for a user, wherein a communication line is connected to a server device operated by a second financial institution that examines the user's participation in insurance related to the loan. A terminal device provided so as to be connectable via
Assessment result information relating to the assessment result when the assessment is performed automatically based on the user information relating to the user whether or not the user can take out the insurance using the computer by the server device A transmission means for transmitting a signal requesting to the server device via a communication line;
Only when the signal is transmitted by the transmitting means, the assessment result information about the result of the assessment, a receiving means for receiving from the server apparatus via a communication line,
Equipped with,
The second financial institution is a predetermined financial institution irrespective of the user information,
The assessment is executed by the server device using a process of storing a determination result in association with each of a plurality of conditions and outputting a determination result corresponding to a condition satisfied by the user information among the plurality of conditions. that, the terminal apparatus characterized by. The terminal device according to claim 15 , wherein the assessment result information includes information indicating a result that the user can join the insurance . The terminal device according to claim 15 or 16 , wherein the reception unit receives information indicating that the assessment has been executed from the server device. Via a website operated by a first financial institution examining a loan for a user, the terminal device operable by the user is provided so as to be able to communicate, and examines the user's participation in the insurance related to the loan. A terminal device operated by the second financial institution provided so as to be connectable via a communication line to a server device operated by a second financial institution,
User information related to the user transmitted by the terminal device operable by the user and received directly by the server device without going through the computer operated by the first financial institution via the communication line Receiving means for receiving from the device;
The second financial institution for the user determined by the server device that an assessment as to whether or not the insurance can be taken cannot be automatically performed using a computer based on the user information An input means for inputting assessment result information regarding the assessment result from an operator of the terminal device operated by:
Transmitting means for transmitting the assessment result information to the server device via a communication line;
Equipped with,
The second financial institution is a predetermined financial institution irrespective of the user information received by the server device from the terminal device operable by the user,
Among the user information, the notification information including information on the user's injury and / or disability is not transmitted from the terminal device operable by the user to the computer operated by the first financial institution,
The assessment is executed by the server device using a process of storing a determination result in association with each of a plurality of conditions and outputting a determination result corresponding to a condition satisfied by the user information among the plurality of conditions. that, the terminal apparatus characterized by. The terminal device according to claim 18, wherein the assessment result information includes information indicating a result that the user can join the insurance. The user with respect to the insurance related to the loan provided to be communicable with the terminal device via a terminal device operable by the user and a website operated by a first financial institution examining a loan for the user A server device operated by a second financial institution that examines the participation of
The terminal device transmits user information about the user via a communication line directly to the server device without going through a computer operated by the first financial institution ;
The server device automatically performs an assessment as to whether or not the user can take out the insurance using a computer based on the user information, and is associated with each of a plurality of conditions Storing the determination result, and executing the assessment using a process of outputting a determination result corresponding to a condition satisfied by the user information among the plurality of conditions ,
Only including,
The second financial institution is a predetermined financial institution irrespective of the user information received by the receiving unit from the terminal device,
The notification information including information related to the user's injury and / or disability among the user information is not transmitted from the terminal device to a computer operated by the first financial institution . The user with respect to the insurance related to the loan provided to be communicable with the terminal device via a terminal device operable by the user and a website operated by a first financial institution examining a loan for the user A server device operated by a second financial institution that examines the participation of
The terminal device transmitting user information about the user to the server device via a communication line;
The server device automatically performs an assessment as to whether or not the user can take out the insurance using a computer based on the user information, and is associated with each of a plurality of conditions Storing the determination result, and executing the assessment using a process of outputting a determination result corresponding to a condition satisfied by the user information among the plurality of conditions,
  Only when the server device receives a signal from the terminal device operated by the first financial institution to request assessment result information regarding the assessment result for the user via the communications line, Transmitting the assessment result information for the user via the terminal device operated by the first financial institution,
Including
The second financial institution is a predetermined financial institution irrespective of the user information received by the server device from the terminal device operable by the user. The method according to claim 20 or claim 21 , wherein the assessment result information includes information indicating a result that the user can join the insurance. Via a website operated by a first financial institution examining a loan for a user, the terminal device operable by the user is provided so as to be able to communicate, and examines the user's participation in the insurance related to the loan. A computer program installable on a server device operated by a second financial institution,
The server device,
Receiving means for directly receiving user information about the user from the terminal device via a communication line without going through a computer operated by the first financial institution ;
Assessing means for automatically executing an assessment as to whether or not the user can take out the insurance using a computer based on the user information, wherein the judgment result is associated with each of a plurality of conditions. Storing, and using a process of outputting a determination result corresponding to a condition that the user information satisfies among the plurality of conditions, an assessment unit that performs the assessment , and
And then allowed to function,
The second financial institution is a predetermined financial institution irrespective of the user information received by the receiving unit from the terminal device,
The computer program characterized in that the notification information including information related to the user's injury and / or disability among the user information is not transmitted from the terminal device to a computer operated by the first financial institution . Via a website operated by a first financial institution examining a loan for a user, the terminal device operable by the user is provided so as to be able to communicate, and examines the user's participation in the insurance related to the loan. A computer program installable on a server device operated by a second financial institution,
The server device,
Receiving means for receiving user information about the user from the terminal device via a communication line;
Assessing means for automatically executing an assessment as to whether or not the user can take out the insurance using a computer based on the user information, wherein the judgment result is associated with each of a plurality of conditions. Storing, and using a process of outputting a determination result corresponding to a condition that the user information satisfies among the plurality of conditions, an assessment unit that performs the assessment, and
Only when the receiving means receives a signal from the terminal device operated by the first financial institution to request the assessment result information regarding the assessment result for the user via the communication line, via the communication line. Transmitting means for transmitting the assessment result information for the user to the terminal device operated by the first financial institution,
Function as
The computer program characterized in that the second financial institution is a predetermined financial institution irrespective of the user information received by the receiving means from the terminal device operable by the user. It is possible to connect to a server device operated by a second financial institution that examines the user's participation in the insurance related to the loan via a website operated by a first financial institution that examines the loan for the user. A computer program installed in a terminal device that can be operated by the user,
The terminal device;
Transmitting means for directly transmitting user information about the user to the server device via a communication line without going through a computer operated by the first financial institution , and the user information A transmission means for not transmitting notification information including information on injury and / or disability to a computer operated by the first financial institution ; and
An assessment result information about an assessment result automatically executed by the server device using a computer based on the user information as to whether or not the user can take out the insurance is received via a communication line. Receiving means to communicate,
To function as,
The second financial institution is a predetermined financial institution irrespective of the user information transmitted from the terminal device to the server device,
The assessment is executed by the server device using a process of storing a determination result in association with each of a plurality of conditions and outputting a determination result corresponding to a condition satisfied by the user information among the plurality of conditions. that, the computer program characterized by. A terminal device operated by a first financial institution that examines a loan for a user, wherein a communication line is connected to a server device operated by a second financial institution that examines the user's participation in insurance related to the loan. A computer program installed in a terminal device provided to be connectable via
The terminal device;
Assessment result information relating to the assessment result when the assessment is performed automatically based on the user information relating to the user whether or not the user can take out the insurance using the computer by the server device A transmission means for transmitting a signal requesting to the server device via a communication line , and
Receiving means for receiving assessment result information relating to the assessment result from the server device via a communication line only when the signal is transmitted by the transmission means;
To function as,
The second financial institution is a predetermined financial institution irrespective of the user information,
The assessment is executed by the server device using a process of storing a determination result in association with each of a plurality of conditions and outputting a determination result corresponding to a condition satisfied by the user information among the plurality of conditions. that, the computer program characterized by. Via a website operated by a first financial institution examining a loan for a user, the terminal device operable by the user is provided so as to be able to communicate, and examines the user's participation in the insurance related to the loan. A computer program installed in a terminal device operated by the second financial institution provided so as to be connectable to a server device operated by a second financial institution via a communication line,
The terminal device;
User information related to the user transmitted by the terminal device operable by the user and received directly by the server device without going through the computer operated by the first financial institution via the communication line Receiving means for receiving from the device;
The second financial institution for the user determined by the server device that an assessment as to whether or not the insurance can be taken cannot be automatically performed using a computer based on the user information Input means for inputting assessment result information relating to the assessment result from the operator of the terminal device operated by:
Transmitting means for transmitting the assessment result information to the server device via a communication line;
To function as,
The second financial institution is a predetermined financial institution irrespective of the user information received by the server device from the terminal device operable by the user,
Among the user information, the notification information including information on the user's injury and / or disability is not transmitted from the terminal device operable by the user to the computer operated by the first financial institution,
The assessment is executed by the server device using a process of storing a determination result in association with each of a plurality of conditions and outputting a determination result corresponding to a condition satisfied by the user information among the plurality of conditions. that, the computer program characterized by. The computer program according to any one of claims 23 to 27, wherein the assessment result information includes information indicating a result that the user can take out the insurance.

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