JP6409029B2 - Net application incomplete person discrimination support system - Google Patents

Description

  The present invention supports the identification of incomplete users who have canceled or ended the application process when the customer executes a certain net application using the interactive nature of the computer network. The present invention relates to a system for supporting identification of uncompleted online applications.

  In recent years, banks and other financial institutions have prepared various receiving channels in response to diversification of customer needs to improve customer satisfaction, and at the same time try to lock in customers. For example, in the consumer unsecured loan market, the main player in the market has changed from a consumer finance company to a bank due to the amendment of the Money Lending Business Law. Under the circumstances, personal computers and smartphones are becoming widespread, and those personal computers and smartphones are very effective access tools for customers for various channels that can accept unsecured loans.

  On the other hand, for online applications for unsecured loans, the application process when a customer makes an online application using a customer's computer terminal such as a personal computer or smartphone may be canceled or terminated halfway. Currently, the application incomplete rate has reached about 70%.

  FIG. 3 is a flowchart illustrating an unsecured loan online application acceptance system that has been conventionally performed. The network application acceptance system shown in the figure includes the following process. In other words, a page for entering personal information when a customer who is prompted to apply for an examination by means of an examination application page displayed on the display of a customer-side computer terminal connected via the Internet performs a page transition operation. Is displayed on the display to prompt the customer to execute the personal information input step S100. In this personal information input step S100, the customer inputs an intention display indicating that the customer's personal information and the handling of the personal information are agreed to a plurality of items of the personal information displayed on the display. When the customer who executed this personal credit information input step S100 performs a page transition operation on the display, the application completion page is displayed on the display and the application completion step 110 is completed. This completes the application on the customer side. On the other hand, a customer who did not complete the execution process of personal information input step S100 halfway or did not complete it, or was unable to complete it is treated as an intermediate withdrawal person (net application incomplete person). For example, when only a part of a plurality of items of personal information displayed on the display in the personal information input step S100 is input and the personal information input step S100 is completed, or on the display in the personal information input step S100. If the Internet connection is interrupted before all the items of the displayed personal information are entered, the customer is treated as a leaver.

  On the other hand, when the application completion step 110 is normally completed, an application reception step 210 is executed via the Internet, and then a series of procedures necessary for financing such as examination and loan execution are performed.

  In the conventional unsecured loan net application acceptance system described with reference to FIG. 3, about 30% of the customers complete the application completion step 110, whereas the customers who are treated as exiters on the whole It has reached about 70%. This point is as described above. Therefore, banks and affiliated companies that use the above-mentioned online application reception system, the application completion rate by changing the application form displayed on the customer's computer terminal display or loan advertisements in the unsecured loan online application reception system At present, we are working to improve the number of applications and the amount of money.

  Under these circumstances, the inventor of the present application has made extensive studies on the cause of causing an intermediate leaver in the above-mentioned online application acceptance system. I found out that it might be.

  That is, in the above-mentioned online application acceptance system, the items included in the personal information that the customer needs to input in the personal information input step S100 are the name, date of birth, gender, telephone number, E for identifying the individual customer. Not only basic items such as e-mail addresses, but also other detailed items related to living environment and status such as home address, age of residence, work place, etc. It was found that there was a possibility that the application completion step 110 could not be completed due to a situation in which the input method was not understood or sufficient time could not be secured.

  In the preceding example as a contract application system related to a bank, it has been proposed to receive a contract number from a customer terminal and specify a bank account, or register a contract in a database (for example, patent document). 1).

JP 2014-48844 A

  According to the present invention, for the customer who inputs personal information in the above-described conventional personal information input step S100, the input content is complicated, the input method is unknown, or sufficient time for input cannot be secured. A network application incomplete person discrimination support system and a net application incomplete person discrimination system that help to avoid situations where a situation arises and a person who has been willing to apply is avoided. The purpose is to provide.

According to a first aspect of the present invention, there is provided a system for supporting incomplete determination of a person who has applied for a net by applying customer personal information to a plurality of items of personal information displayed on a display of a customer computer terminal. Applies to online application acceptance systems that accept via the Internet. The plurality of items of personal information are divided into basic items related to basic information including customer phone numbers and detailed items related to detailed information. And the 1st data production | generation means which produces | generates the 1st data which contains the input information about the said basic item as a content while storing the input information about the said basic item input from the customer side computer terminal, the 1st 1st data output means which outputs 1 data as 1st image information printed on paper, When the information about the said detailed item is input from the customer side computer terminal, the input information about the detailed item is input Second data generating means for saving the storage means and generating second data containing the input information of both the basic item and the detailed item, and second image information printed on the sheet of the second data a second data output means for outputting a first and second of the image information, the customer only the second image information is not present support center middle Determining as a leaving person, with help, the customer support center, which is determined as a mid-game exit user to complete the application was performed to the call, to help, is that.

According to a second aspect of the present invention, there is provided a basic item input step for prompting a customer to perform an input to the basic item displayed on the display and a page transition operation after the input is completed. Detailed item input step that prompts the customer to input the detailed item displayed on the display through the page transition operation by the customer in the basic item input step and the page transition operation after the input is completed, the basic item input and the detailed item input An application closing step for displaying an application completion display page on the display after the completion of both steps,
On the condition that the page transition operation by the customer in the basic item input step has been performed, the basic item input information storage step for storing the information input in the basic item input step in the storage means, and the first data The detailed item is executed on the condition that the first data generation step to generate and the first data output step to output the first data are executed, and the page transition operation by the customer in the application closing step is performed. A detailed item input information storage step for storing the information input in the input step in the storage means; a second data generation step for generating the second data; and a second data output step for outputting the second data. It is to execute.

  According to the network application incomplete person discrimination support system according to the inventions of claims 1 and 2, items essential for artificially contacting customers verbally as basic items among a plurality of items of personal information For example, it is possible to limit to the minimum basic items such as customer name, phone number, e-mail address, etc., and detailed personal information required for other contracts is detailed. It can be included in the item. In addition, it is possible to determine a person who has left midway (a person who has not completed the application) based on the output first data or second data.

  As described above, according to the network application incomplete person discrimination support system according to the present invention, as a basic item among a plurality of items of personal information, an item essential for artificially contacting a customer verbally, for example, a customer Because it is possible to limit to basic items such as name, phone number, e-mail address, etc. related to the minimum limit, the application cannot be completed for a certain reason even though there is an intention to apply. There is an advantage that it is possible to easily identify the customer and complete the application by supporting the application after the fact. This makes it possible to improve the application completion rate, and to reduce the proportion of customers who are treated as withdrawals and the application incomplete rate.

(A) is a flowchart illustrating the outline of the online application incomplete person discrimination support system according to the embodiment of claim 1 of the present invention, and (B) is a halfway departure based on the online application incomplete person discrimination support system of (A). It is the flowchart which illustrated the person's determination method. It is the flowchart which illustrated the outline of the network application incomplete person discrimination | determination assistance system which concerns on embodiment of Claim 2 of this invention. It is the flowchart which illustrated the net application reception system performed conventionally.

  Hereinafter, a network application incomplete person discrimination support system and a network application incomplete person discrimination system according to an embodiment of the present invention will be described.

  The network application incomplete person discrimination support system according to this embodiment is configured so that a network application made by inputting customer personal information into a plurality of items of personal information displayed on a display of a customer computer terminal via the Internet. Applied to the online application reception system. In each of the above systems, a plurality of items of personal information are divided into basic items related to basic information and detailed items related to detailed information.

  Among the plurality of items of personal information, the basic items include at least items such as first and last names of customers who are applicants and means for contacting telephone numbers or e-mail addresses. The basic items listed here are indispensable when a support center such as a bank uses a communication line such as a telephone line or the Internet to contact a customer verbally or by e-mail.

  Among the plurality of items of personal information, the detailed items include items that are indispensable for conducting examinations for executing unsecured loans in addition to the basic items described above. Specifically, the detailed items include the postal code of the applicant (customer), home address, presence or absence of a driver's license, type of health insurance card, name of the prefecture of residence, residence type (owned house, rental, etc.), housing cost ( Compulsory items such as self-paid), number of years of residence, family presence / absence (number of people, separate living), final school graduation date, desired amount of application contents, purpose of use, workplace related to workplace information Not only required items such as name, work address, work phone number, industry type, number of employees, job description, job title, hire date, income, but also optional items such as salary date, secondee name and address, and borrowing Optional items such as unsecured guarantors and mortgage balances other than the Bank are also included. Of these required items and optional items, the required items are input items required to execute the system, but the optional items are not required input items to execute the system. The above-mentioned essential items and optional items are examples, and the contents of the essential items and optional items are matters that should be arbitrarily determined by a service provider such as a bank.

  FIG. 1 (A) is a flowchart illustrating an outline of a network application incomplete person discrimination support system according to the embodiment of claim 1 of the present invention, and FIG. 1 (B) is a network application incomplete person discrimination of FIG. 1 (A). It is the flowchart which illustrated the determination method of the halfway leaver based on a support system.

  In the network application incomplete person discrimination support system shown in FIG. 1A (hereinafter referred to as “discrimination support system in FIG. 1A”), the “handling of personal information” displayed on the display of the customer side computer terminal. The user is prompted to indicate that he / she agrees with “consent”, and a transition operation to the next page becomes possible on condition that the customer agrees. This consent is a statement of intention expressing whether or not there is an application for examination. When the consent is not performed, the discrimination support system in FIG.

  The discrimination support system in FIG. 1A executes the basic item input step S10 when the customer performs the above-described consent operation at the customer-side computer terminal and performs a transition operation to the next page. This basic item input step S10 prompts the customer to input the basic items displayed on the display of the customer computer terminal and to perform a page transition operation after the input is completed. In response, the customer inputs basic items displayed on the display. In addition, please note that the page displayed on the display in this basic item input step S10 is “If you do not complete the application process, we may contact you to improve the service.” The permission word is also displayed. In the basic item input step S10, when the customer does not input the basic item displayed on the display or does not perform the page transition operation after the input is completed, the discrimination support system in FIG. .

  The discrimination support system in FIG. 1A stores input information (hereinafter referred to as “basic item input information”) about the basic items input from the customer side computer terminal in a database constructed in the storage means. The basic item input information storage step S11 is executed, and then the first data generation step S12 is executed to generate the first data containing the basic item input information, and then the generated first data A first data output step 13 for outputting data to the output means is executed.

  The discrimination support system in FIG. 1A executes the detailed item input step S20 after executing the basic item input step S10. In this detailed item input step S20, the customer is prompted to input the detailed item displayed on the display through the page transition operation by the customer in the basic item input step S10 and the page transition operation after the input is completed. In response to this, the customer inputs the detailed items displayed on the display. The transition to the detailed item input step S20 is performed on the condition that the basic item input step S10 is completed. Therefore, by executing the detailed item input step S20, both the basic item input step S10 and the detailed item input step S20 are completed. In the detailed item input step S20, when the customer does not input the detailed item displayed on the display, the support system ends.

  The discrimination support system in FIG. 1 (A) stores input information (hereinafter referred to as “detailed item input information”) about the detailed items input from the customer side computer terminal in a database constructed in the storage means. The detailed item input information storage step S21 is executed, and then both the basic item input information stored in the basic item input information storage step S11 and the detailed item input information stored in the detailed item input information storage step S21 are stored. A second data generation step S22 for generating second data as contents is executed, and then a second data output step 23 for outputting the generated second data to the output means is executed.

  As an output destination in the first data output step S13 or the second data output step S23 described above, for example, a facsimile as an image data transmission means can be selected.

  The content of the first data output to the facsimile by the discrimination support system in FIG. 1A is obtained by the support center as the first image information printed on the paper. Similarly, the content of the second data is obtained by the support center as the second image information printed on the paper. The first and second image information is useful for the support center to determine a customer who does not have only the second image information as a midway leaver, and to support a customer who is determined as a midway leaver. It will help the center complete the call and complete the application. Accordingly, as shown in FIG. 1B, the support center can determine whether or not the second data corresponding to the first data exists. If it does not exist, it is determined that the customer has been left on the way as an uncompleted Internet application person (a person who left on the way). Then, the support center makes a call with the support center for those who leave the service, and a customer who intends to apply can complete the application according to the support call. The “second data corresponding to the first data” refers to “second data including basic item input information that is the content of the first data”. Therefore, since the second data does not exist for a customer who did not input a detailed item even though the basic item was input, the customer is treated as a midway exit.

  FIG. 2 is a flowchart illustrating an outline of a network application incomplete person discrimination support system (hereinafter referred to as “discrimination support system of FIG. 2”) according to an embodiment of claim 2 of the present invention.

  The discrimination support system of FIG. 2 executes the application closing step S30 whose content is to display the application completion display page on the display after the detailed item input step S20 is completed. It is different from the support system. In the discrimination support system of FIG. 2, after executing the application closing step S30, the same first data output step S13 and second data output step S23 as those included in the discrimination support system of FIG. 1A are executed. To do. Since other matters are the same as those of the present support system described with reference to FIG. 1A, detailed description is omitted to avoid duplication of description.

  According to the support system and the discrimination system described above, the basic items are limited to items essential for verbal contact from the support center to the customer, while other necessary personal information is required. Is included in the details. Therefore, for customers who have only entered limited basic items, the application can be completed after the verbal contact from the support center. As a result, it is possible for the customer to avoid as much as possible the conventional situation that the input items are complicated, the input method is unknown, or sufficient time cannot be secured for input. That is useful for improving the application completion rate and reducing the application incomplete rate.

S10 Basic item input step S20 Detailed item input step S30 Application closing step S11 Basic item input information storage step S12 First data generation step S13 First data output step S20 Detailed item input information storage step S22 Second data generation step S23 Second data Output step S40 On-the-way leaver determination step

Claims (2)

Incomplete application for online application applied to an online application reception system that accepts online applications made by entering the customer's personal information into multiple items of personal information displayed on the display of the customer's computer terminal A support system,
The above-mentioned items of personal information are divided into basic items related to basic information including customer's phone number and detailed items related to detailed information,
First data generation means for generating first data containing the input information for the basic item as well as the input information for the basic item input from the customer side computer terminal, and the first data A first data output means for outputting the first image information printed on paper as first image information;
When the information about the detailed item is input from the customer side computer terminal, the input information about the detailed item is stored in the storage means, and the input information of both the basic item and the detailed item is included. A second data generating means for generating two data, and a second data output means for outputting the second data as second image information printed on the paper,
The first image information and the second image information are useful for the support center to determine a customer who does not have only the second image information as a midway leaver. A network application incomplete person discrimination support system that is useful for completing an application by performing a call. A basic item input step for prompting a customer to input the basic item displayed on the display and to perform a page transition operation after the input is completed;
A detailed item input step for prompting the customer to input the detailed item displayed on the display through the page transition operation by the customer in the basic item input step and the page transition operation after the input is completed;
An application closing step for displaying an application completion display page on the display after completion of both the basic item input step and the detailed item input step;
On the condition that the page transition operation by the customer in the basic item input step has been performed, the basic item input information storage step for storing the information input in the basic item input step in the storage means, and the first data Executing a first data generation step of generating and a first data output step of outputting the first data;
A detailed item input information storage step for storing the information input in the detailed item input step in the storage means on the condition that the page transition operation by the customer in the application closing step has been performed, and generation of the second data The network application incomplete person discrimination support system according to claim 1, wherein a second data generation step is performed and a second data output step is performed to output the second data.

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