JP6491624B2 - Information management apparatus, information management system, and program - Google Patents

Description

  The present invention relates to an information management system, an information management apparatus, and a program for managing information related to an application for mortgage pre-examination.

  Applications for pre-examination of mortgage loans to financial institutions are usually made through a broker (hereinafter referred to as a real estate company) that buys or sells real estate. Specifically, the person in charge or the customer himself / herself fills out the prescribed pre-examination application form at the store of the real estate company, and submits this application form from the real estate company to the financial institution. However, since the format of the application form varies from financial institution to financial institution, when applying for pre-reviews to multiple financial institutions, the person in charge or customer needs to create several copies of the same content, which is very It was troublesome.

  Non-Patent Document 1 discloses a system that inputs information (application information) necessary for a pre-examination application from a terminal installed at a real estate company store and transmits the information to a plurality of financial institutions in a lump. In this technique, an identity verification document such as a driver's license is read by a scanner and reflected on the input screen of the terminal, thereby simplifying the input work. In addition, identity verification is performed by using a certificate such as a driver's license of the customer and a signature handwritten on the terminal using a touch pen, thereby ensuring that the application is authentic.

Tokyu Livable Co., Ltd., news release “Real estate industry's first“ mortgage pre-screening application system using tablet devices ”trial”, October 17, 2013, Toppan Printing Co., Ltd. [2016 August 12 search], Internet <URL: http://www.toppan.co.jp/news/2013/10/newsrelease131017_1.html>

  When applying for a review that requires the reliability of application information and the careful judgment of the customer, such as pre-screening for mortgages, the application information once entered into the customer must be reconfirmed later and reviewed. There is a request to formally apply. However, in the above technique, an application for a preliminary examination is promoted at a real estate company store. In addition, when the customer wants to reconfirm or reexamine the application information, he / she has to go to the real estate company again or exchange it by mail, which is very troublesome.

  On the other hand, in recent years, various applications can be made online. However, a high degree of safety is required for important matters such as pre-examination of mortgages, so how to verify the identity online and reduce the risk of leakage of personal information becomes a problem.

  The present invention has been made in view of the circumstances described above, and is an information management apparatus capable of applying for examination at a customer's desired timing and ensuring high safety with respect to information management. Another object is to provide an information management system and program.

  An information management apparatus according to an aspect of the present invention is an information management apparatus used in an information management system that manages examinations from a customer to a predetermined organization, and the information management system introduces the organization to the customer. A first terminal used in a trader, connected to the information management apparatus via a communication network, accepting an input of the application information for the examination and transmitting it to the information management apparatus; and used in the customer, the information management A second terminal that is connected to a device via the communication network, receives an input of information indicating that the application is to be performed, and transmits the information to the information management device; and the information management device and the communication that are used in the organization A third terminal that is connected via a network and receives an input of an answer to the application and transmits it to the information management device. When the application information is transmitted from the database storing the application information and the first terminal, it is determined whether or not the application information includes predetermined information about the customer, and the predetermined information is included In addition, when the application information registration unit for registering the application information in the database and the second terminal has accessed specific application information stored in the database, the input of the predetermined information is input to the second information. Requesting the terminal, and verifying the application from the identity verification management unit that performs identity verification by collating the information input from the second terminal with predetermined information, and the second terminal that has performed the identity verification. And an application confirmation unit that transmits information indicating that the application has been made to the third terminal when information indicating that the application is to be performed is transmitted. The predetermined information includes, for example, three pieces of information of the customer's name, telephone number, and date of birth, but is not limited thereto.

  The identity verification management unit may perform identity verification by performing authentication based on a previously issued ID and passcode in addition to the verification based on the predetermined information.

  The information management apparatus may further include an authentication management unit that performs authentication using a previously issued ID and passcode when the first or third terminal accesses. The information management apparatus may further include a browsing processing unit that transmits and displays a screen on which the application information is displayed to the first or third terminal authenticated by the authentication management unit. .

  When an answer to the application is transmitted from the third terminal, the information management device registers the answer in the database, and displays information indicating that the answer has been received in the first and second information You may further provide the reply reception part transmitted to a terminal.

  In the information management apparatus, the application information registration unit may transmit a warning to the first terminal that the predetermined information is not included when the predetermined information is not included in the application information. . Here, the application information registration unit may issue a warning when at least a part of the information requested as the predetermined information is not included in the application information. Further, the application information registration unit may issue a warning when not all of the information required as the predetermined information is included in the application information.

  An information management system according to another aspect of the present invention is an information management system for managing examination from a customer to a predetermined organization, and is used in a trader that introduces the organization to the customer, and communicates with the information management device. A first terminal that is connected via a network, accepts input of the application information for examination and transmits it to the information management device, and is used by the customer, and is connected to the information management device via the communication network; The application information stored in the information management apparatus can be browsed, and a second terminal that receives input of information indicating that the application is to be performed and transmits the information to the information management apparatus, and is used in the organization The information management device is connected to the information management device via the communication network, and the application information stored in the information management device can be browsed. A third terminal that accepts an input of an answer to the request and transmits it to the information management device, wherein the information management device transmits a database for storing the application information, and the application information is transmitted from the first terminal. And determining whether or not the application information includes predetermined information about the customer. If the predetermined information is included, the application information registration unit that registers the application information in the database; When the second terminal accesses the specific application information stored in the database, the second terminal is requested to input the predetermined information, and the information input from the second terminal is defined as the predetermined information. If information indicating that the application is to be sent is transmitted from the identity verification management unit that performs identity verification by collating and the second terminal that has performed identity verification, the application is not made. And application determination unit that transmits information indicating that the said third terminal, in which comprises a.

  A program according to still another aspect of the present invention is a program that is executed by a computer used as an information management apparatus in an information management system that manages examination from a customer to a predetermined organization, and the information management system includes the customer A first terminal that is connected to the information management apparatus via a communication network, receives an input of the application information for examination, and transmits it to the information management apparatus; and Used, connected to the information management device via the communication network, and is capable of browsing the application information stored in the information management device and accepting input of information indicating that the application is to be performed, A second terminal for transmitting to the information management device; and the information management device and the communication network used in the institution A third terminal that is connected via a network and is capable of browsing the application information stored in the information management device and that receives an input of an answer to the application and transmits the response to the information management device. Including, when the application information is transmitted from the first terminal to the computer, it is determined whether or not the application information includes predetermined information about the customer, and when the predetermined information is included, Step (a) of registering the application information in the database, and requesting the second terminal to input the predetermined information when the second terminal accesses the specific application information stored in the database. And (b) performing identity verification by comparing information input from the second terminal with predetermined information, and the application from the second terminal where the identity verification is performed. When the information indicating that performing was sent, in which to execute, the steps (c) to transmit the information indicating that the application was made to the third terminal.

  According to the present invention, when the application information is transmitted from the first terminal, the application information is registered in the database after confirming whether or not the application information includes predetermined information about the customer, and the second terminal When a person has accessed specific application information, when the information indicating that the application for examination is submitted from the second terminal that has performed identity verification based on the above-mentioned predetermined information is confirmed Is transmitted to the third terminal, the customer can apply for examination at a desired timing, and can secure a high level of safety with respect to information management.

It is a figure showing a schematic structure of an information management system concerning an embodiment of the present invention. It is a block diagram which shows the main structures of the information management apparatus which concerns on embodiment of this invention. It is a flowchart which shows operation | movement of the information management system which concerns on embodiment of this invention. It is a sequence diagram of the registration process of the application information performed in an information management server and a user terminal. It is a schematic diagram which illustrates a user's login screen. It is a schematic diagram which illustrates the input screen (input start screen) of application information. It is a schematic diagram which illustrates the input screen (property information input screen) of application information. It is a schematic diagram which illustrates the input screen (borrowing information input screen) of application information. It is a schematic diagram which illustrates the input screen (personal information input screen) of application information. It is a schematic diagram which illustrates the input screen (financial institution selection screen) of application information. It is a schematic diagram which illustrates the input screen (input confirmation screen) of application information. It is a schematic diagram which illustrates the input screen (input completion screen) of application information. It is a sequence diagram of the application process of the preliminary examination performed in an information management server and a customer terminal. It is a schematic diagram which illustrates an identification screen. It is a schematic diagram which illustrates a member login screen. It is a schematic diagram which illustrates the application screen of preliminary examination. It is a schematic diagram which illustrates an application completion screen. FIG. 11 is a sequence diagram of application information browsing and answer registration processing executed in the information management server and the financial institution terminal. It is a schematic diagram which illustrates the browsing screen of application information. It is a schematic diagram which illustrates the reply input screen of a preliminary examination. It is a schematic diagram which illustrates the reply browsing screen of a preliminary examination.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same code | symbol is attached | subjected to the same element and the overlapping description is abbreviate | omitted.

Embodiments In this embodiment, a case of managing mortgage pre-examination will be described as an example, but the present invention is not limited to this. The information management system according to the present invention can be applied to all applications for examination requiring reliability of application information and careful judgment of customers.

(1) Configuration of Embodiment FIG. 1 is a diagram illustrating a schematic configuration of an information management system 1 according to the present embodiment.
The information management system 1 is a system that manages the pre-examination of mortgages, and is used in an information management server 10 that manages application information for pre-examination and a real estate company that introduces pre-examination, as shown in FIG. User terminal (first terminal) 20, a customer terminal (second terminal) 30 used by a customer who is a customer of a real estate company and is an applicant for pre-examination, and a financial institution performing pre-examination. Financial institution terminal (third terminal) 40. The information management server 10, the user terminal 20, the customer terminal 30, and the financial institution terminal 40 are connected via a communication network N.

  The communication network N includes a communication network that can transmit and receive information to and from the information management server 10, the user terminal 20, the customer terminal 30, and the financial institution terminal 40. The communication network N is, for example, the Internet, a LAN, a dedicated line, a telephone line, a corporate network, a mobile communication network, Bluetooth (registered trademark), WiFi (Wireless Fidelity), other communication lines, or a combination thereof. It does not matter whether it is wired or wireless.

  FIG. 2 is a block diagram illustrating a main configuration of the information management server 10 which is the information management apparatus according to the present embodiment. The information management server 10 is configured by, for example, a computer having high calculation processing capacity, and executes a predetermined program to cooperate with the user terminal 20, the customer terminal 30, and the financial institution terminal 40 to perform mortgage pre-examination. This implements a server function for managing application information.

  As shown in FIG. 1, the information management server 10 includes a communication interface 11, a storage unit 12, and a processor 13.

  The communication interface 11 is a hardware module for connecting to the communication network N and communicating with other terminals on the communication network N. The communication interface 11 is a modulation / demodulation device such as an ISDN modem, an ADSL modem, a cable modem, an optical modem, or a soft modem.

  The storage unit 12 is a logical device provided by a storage area of a physical device including a computer-readable recording medium such as a disk drive or a semiconductor memory (ROM, RAM, etc.). The storage unit 12 may be constructed by mapping a plurality of physical devices to one logical device, or may be constructed by mapping one physical device to a plurality of logical devices. The storage unit 12 stores various programs including an operating system program and a driver program and various data used during the execution of these programs. Specifically, the storage unit 12 includes an information management program 121 to be executed by the processor 13, a user database (DB) 122, a member database (DB) 123, and a financial institution database (used during execution of this program). DB) 124, an application information database (DB) 125, and a point management database (DB) 126 are stored.

  The user database 122 stores information on real estate companies (user information). The user information includes information such as a user ID issued for each real estate company or for each person in charge, an authentication passcode (password), the name of the real estate company, a location, and an e-mail address.

  The member database 123 stores information (member information) related to customers registered as members in the information management system 1. The member information includes information such as a member ID issued to a customer who has registered as a member and an authentication passcode (password), name, address, contact information (telephone number), date of birth, and e-mail address.

  The financial institution database 124 stores information on financial institutions (financial institution information). Financial institution information includes information such as financial institution ID, authentication passcode (password), financial institution name, branch name, loan officer name, e-mail address, etc. issued for each financial institution branch or loan officer. Including.

  The application information database 125 stores information (application information) related to an application for pre-examination of a mortgage. Application information includes the customer's name, address, contact information, etc. regarding the customer (customer information), information regarding the property desired to be purchased (property information), information regarding the mortgage request (borrowing information), and Includes information such as the status of application information. Status includes “Creating” indicating that application information is being created, “Registered (before application)” indicating that application information has been created, and application for pre-examination based on the application information. "Approved (waiting for response)", "Received answer" indicating that a pre-reviewed response from a financial institution has been obtained, "Confirmed" indicating that the customer has confirmed the pre-reviewed response, this review This includes a “final review” that indicates that an application has been made. The status of the application information is not limited to the above, and may be set as appropriate according to the operation of the real estate company or financial institution.

  Here, the storage period of the information stored in the application information database 125 may be set in advance according to the status, and the application information whose storage period has elapsed may be automatically deleted or may be subject to browsing restrictions. As an example, application information with a status of “under construction” is deleted after 30 days have passed, application information with a status of “Applied (waiting for reply)” cannot be viewed from the user terminal 20, and the customer terminal 30 or financial institution For example, settings can be made such that browsing is possible only from the terminal 40, and application information whose status is “main examination” is not browsing. Thereby, the risk of leakage of personal information can be reduced.

  The point management database 126 stores information (point information) relating to points given to members as contract bonuses. These points can be used in exchange for points in other point programs provided by retailers, service providers, and the like. The point information includes information such as the number of points held by each member, a history of point grant and point exchange.

  The processor 13 includes an arithmetic logic unit (CPU or the like) that processes arithmetic operations, logical operations, bit operations, and the like and various registers, and executes various programs stored in the storage unit 12 to execute the information management server 10. Central control of each part. The various registers are, for example, a program counter, a data register, an instruction register, a general-purpose register, and the like. Further, the processor 13 executes the information management program 121 to realize an information management function in cooperation with the user terminal 20, the customer terminal 30, and the financial institution terminal 40.

  Specifically, the processor 13 includes an authentication management unit 131, an application information registration unit 132, an identity confirmation management unit 133, a browsing processing unit 134, an application confirmation unit 135, an answer reception unit 136, and a point management unit 137. And have.

  The authentication management unit 131 performs authentication at the time of login from the user terminal 20 or the financial institution terminal 4 to the information management server 10. Specifically, the authentication management unit 131 requests input of an ID (user ID, financial institution ID) and password when the user terminal 20 or the financial institution terminal 40 has accessed, and the user database 122 or the financial institution database 124. Authentication is performed in light of the information stored in, and an access log is recorded.

  The application information registration unit 132 registers the application information transmitted from the user terminal 20 in the application information database 125. Specifically, the application information registration unit 132 includes, in the application information transmitted from the user terminal 20, whether the application information includes three pieces of information used for customer identification, such as a name, a telephone number, and a date of birth. Confirm whether or not and register the application information when these information are available. Conversely, if any one of the three pieces of information is leaked, the application information is not registered, and a warning that the information is leaked is transmitted to the user terminal 20.

  When the customer terminal 30 accesses specific application information registered in the information management server 10, the identity verification management unit 133 determines whether or not the customer who operates the customer terminal 30 is the customer himself / herself associated with the application information. Confirm your identity. Specifically, the identity verification management unit 133 requests the customer terminal 30 to input three pieces of information of customer name, telephone number, and date of birth registered as application information, and the input information is registered. It is determined whether or not it matches the already-completed information. Further, the identity verification management unit 133 requests the input of a member ID and a password, and performs identity verification by performing authentication in accordance with information stored in the member database 123. In this way, it is a requirement for identity verification that predetermined information such as name registered from the user terminal of the real estate company is input from the customer, and that the customer logs in with the member ID of the existing service or the like. Thus, the security of the same level as the identity verification process using the identity verification document such as a conventional driver's license or an alternative means is realized. In the present embodiment, the above three pieces of information are requested as identification information. However, the present invention is not limited to this, and necessary information may be further increased depending on the required security strength. May be reduced.

  In accordance with a request from the logged-in user terminal 20, customer terminal 30, or financial institution terminal 40, the browsing processing unit 134 transmits a predetermined browsing screen to these terminals for display. In the present embodiment, the user terminal 20, the customer terminal 30, and the financial institution terminal 40 are permitted only to view the file, and the file download is not permitted, thereby reducing the risk of information leakage. .

  The application confirmation unit 135 receives the application (hereinafter referred to as application confirmation information) indicating that an application for pre-examination is transmitted from the customer terminal 30 whose identity has been verified by the identity verification management unit 133. While changing the status of the information, information indicating that the application for the pre-examination by the application information has been made is transmitted to the financial institution terminal 40 by e-mail.

  When the response of the pre-examination based on the application information is input from the financial institution terminal 40, the response reception unit 136 registers the input response in the application information database 125 and changes the status of the application information. Information indicating that the examination response has arrived is transmitted to the user terminal 20 and the customer terminal 30 by mail.

  The point management unit 137 manages point grant, point exchange, point expiration date, etc. for each member ID. The number of points granted is set according to actions such as registration of application information, confirmation of application information, execution of a pre-examination application, and mortgage closing. Also, points are given in accordance with changes in the status of application information in the application information database 125.

  Here, the number of computers constituting the information management server 10 is not necessarily one, and may be composed of a plurality of computers distributed on the communication network N. For example, the point management database 126 and the point management unit 137 may be provided in another computer and linked with the information management server 10 or other point program systems. Further, the information management server 10 may be linked with another system. For example, the information management server 1 may be linked to a fee billing system so that an introduction fee is automatically charged when a mortgage is closed. Alternatively, the information management server 10 may be linked to an existing real estate information database, and the property information in the application information may be taken from the real estate information database using the property name as a key.

  The user terminal 20 and the customer terminal 30 can exchange data with other communication devices via the communication network N, and can include any display device capable of displaying a screen based on the received information and an input device. A terminal device can be used. Specifically, as the user terminal 20 and the customer terminal 30, a tablet terminal, a personal computer (PC), a notebook PC, a smartphone, a mobile phone, a PDA, or the like can be used.

  Similarly to the user terminal 20 and the customer terminal 30, the financial institution terminal 40 can exchange data with other communication devices via the communication network N, and can display a screen based on the received information. Any terminal device including an input device can be used. A printer capable of outputting a hard copy of the received application information may be connected to the financial institution terminal 40.

(2) Operation of Embodiment Next, the operation of the information management system 1 will be described. FIG. 3 is a flowchart showing the operation of the information management system 1.

  First, in step S100, registration processing of application information for mortgage pre-examination is performed. The registration process of the application information is performed by operating the user terminal 20 while the person in charge of the real estate company interacts with the customer at the store of the real estate company. FIG. 4 is a sequence diagram of application information registration processing executed in the information management server 10 and the user terminal 20.

  When the user terminal 20 accesses the information management server 10 (step S121), the information management server 10 transmits a login screen to be displayed on the user terminal 20, and requests a user ID and password (step S111).

  FIG. 5 is a schematic view illustrating a login screen displayed on the user terminal 20. The login screen A1 shown in FIG. 5 includes an ID input field a11, a password input field a12, and a login button a13. The person in charge of the real estate company inputs a preset user ID and password in the ID input field a11 and the password input field a12, and further performs a predetermined operation (for example, a tap operation) on the login button a13. When detecting the input operation to the ID input field a11 and the password input field a12 and the operation to the login button a13, the user terminal 20 transmits the input user ID and password to the information management server 10 (step S122). The information management server 10 receives the user ID and password and performs authentication by referring to the user database 122 (step S112).

  When the user ID and password are successfully authenticated, the information management server 10 sequentially transmits the application information input screens illustrated in FIGS. 6 to 12 to the user terminal 20 (step S113). The user terminal 20 sequentially displays the input screen transmitted from the information management server 10 (step S123), and sequentially transmits the application information to the information management server 10 according to the operation performed on the input screen (step S124). ).

  FIG. 6 is a schematic view illustrating an input start screen that is initially displayed after login. As shown in FIG. 6, the input start screen A2 displays a start button a21 for starting input of application information, a display button a22 for displaying a list of existing consultation items, and information on financial institutions. A link a23 is provided. The person in charge taps the start button a21 when inputting the application information.

  When the user terminal 20 detects an operation on the start button a21, the user terminal 20 requests the information management server 10 for a property information input screen. In response to this, the information management server 10 transmits the property information input screen shown in FIG. 7 to the user terminal 20 for display.

  As shown in FIG. 7, the property information input screen A3 is provided with a property information input field a31, a next button a32 for moving to the next screen, a cancel button a33, and a primary save button a34. ing. The person in charge inputs the property information related to the real estate property that the customer desires to purchase in the input field a31. At this time, if the information management server 10 is linked with the existing real estate information database, other information such as the property location may be automatically filled in the input field a31 by inputting the property name. Good.

  When the user terminal 20 detects an operation on the next button a32, the user terminal 20 transmits the property information input in the input field a31 to the information management server 10. In response to this, the information management server 10 transmits and displays the borrowing information input screen shown in FIG. 8 to the user terminal 20. When the user terminal 20 detects an operation on the cancel button a <b> 33, the user terminal 20 transmits a signal indicating cancellation of the application information registration process to the information management server 10. Further, when detecting the operation on the primary save button a34, the user terminal 20 transmits the input application information to the information management server 10 and then transmits a signal indicating interruption of the application information registration process. In this case, in the application information database 125, the status of the application information is “Creating”.

  As shown in FIG. 8, the borrowing information input screen A4 includes a borrowing information input field a41, a next button a42 for moving to the next screen, a cancel button a43, and a primary save button a44. ing. The person in charge enters the borrowing content desired by the customer into the input field a41.

  When detecting the operation on the next button a42, the user terminal 20 transmits the borrowing information input in the input field a41 to the information management server 10. In response to this, the information management server 10 transmits the personal information input screen shown in FIG. 9 to the user terminal 20 for display. When the user terminal 20 detects an operation on the cancel button a43, the user terminal 20 transmits a signal indicating cancellation of the registration process of the application information to the information management server 10, and when an operation on the primary storage button a44 is detected, the user terminal 20 has already been input. After transmitting the borrowing information to the information management server 10, a signal indicating interruption of the registration process of the application information is transmitted.

  As shown in FIG. 9, the principal information input screen A5 is provided with a principal information input field a51, a next button a52 for moving to the next screen, a cancel button a53, and a primary save button a54. ing. The person in charge inputs the customer's identity information in the input field a51. At this time, since the customer's name, telephone number, and date of birth are information used in identity verification described later, it is essential to input information that can be accurately reproduced by the principal. Accordingly, it is preferable that the customer information input screen A5 is input by the customer himself / herself by operating the user terminal 20 by the customer.

  When the user terminal 20 detects an operation on the next button a <b> 52, the user terminal 20 transmits the personal information input in the input field a <b> 51 to the information management server 10. In response to this, the information management server 10 confirms whether or not at least three pieces of information of the customer's name, telephone number, and date of birth are input in the received identity information. If even one of these three pieces of information is not input, the information management server 10 transmits a warning indicating that these pieces of information are not input to the user terminal 20 and continues to display the personal information input screen A5. Display. In other words, if the above three pieces of information are not input, it is not possible to proceed from the principal information input screen A5, and application information cannot be registered. When the information management server 10 confirms that at least the three pieces of information are input, the information management server 10 transmits the financial institution selection screen shown in FIG. 10 to the user terminal 20 for display.

  When the user terminal 20 detects an operation on the cancel button a53, the user terminal 20 transmits a signal indicating cancellation of the registration process of the application information to the information management server 10, and when an operation on the primary save button a54 is detected, the user terminal 20 has already been input. After transmitting the application information to the information management server 10, a signal indicating interruption of the registration process of the application information is transmitted.

  As shown in FIG. 10, the financial institution selection screen A6 includes a plurality of buttons a61 to a65 displaying names of financial institutions affiliated with the information management system 1 and the next screen for moving to the next screen. A forward button a66, a cancel button a67, and a primary save button a68 are provided. The person in charge selects one or more buttons among the buttons a <b> 61 to a <b> 65 to select a financial institution for which a preliminary examination is applied.

  When detecting the operation on the next button a66, the user terminal 20 transmits a signal representing the selected financial institution to the information management server 10. In response to this, the information management server 10 transmits and displays the input confirmation screen shown in FIG. 11 to the user terminal 20. When the user terminal 20 detects an operation on the cancel button a67, the user terminal 20 transmits a signal indicating cancellation of the registration process of the application information to the information management server 10, and when an operation on the primary save button a68 is detected, the user terminal 20 has already been input. After transmitting the application information to the information management server 10, a signal indicating interruption of the registration process of the application information is transmitted.

  As shown in FIG. 11, the input confirmation screen A7 includes an input content display field a71 in which application information input on each screen shown in FIGS. 7 to 10 is displayed, a correction button a72, a cancel button a73, A registration completion button a74 is provided. The person in charge and the customer can sequentially confirm the contents input in the input content display field a71 by scrolling the screen.

  When the user terminal 20 detects an operation on the correction button a72, the user terminal 20 requests the information management server 10 for an application information input screen. As a result, the input screen (see FIGS. 7 to 10) in which the application information is input is displayed again on the user terminal 20. In this case, the person in charge can correct the application information that has already been input, or can add application information that has not been input. When the user terminal 20 detects an operation on the cancel button a73, the user terminal 20 transmits a signal indicating cancellation of the registration process of the application information to the information management server 10.

  When detecting the operation on the registration completion button a74, the user terminal 20 transmits information indicating that the input of the application information has been completed to the information management server 10 (step S125). In response to this, the information management server 10 registers the received application information in the application information database 125 (step S114). As a result, the status of the application information becomes “registered (before application)”.

  Furthermore, the information management server 10 transmits an email describing that the application information has been registered and a URL for accessing the application screen for pre-examination based on the application information to the customer's email address (step S115). ).

  Further, the information management server 10 may further transmit an input completion screen shown in FIG. As shown in FIG. 12, a message a81 including the mail transmission destination address is displayed on the input completion screen A8. Thereafter, the screen of the user terminal 20 can be changed to a predetermined screen by operating the buttons a82 to a84.

  Referring to FIG. 3 again, in step S200 subsequent to step S100, a customer pre-examination application process is performed. The application process for the pre-examination is performed by the customer operating the customer terminal 30. FIG. 13 is a sequence diagram of a pre-examination application process executed in the information management server 10 and the customer terminal 30.

  When the customer terminal 30 accesses the URL described in the mail (see step S115 in FIG. 4) transmitted from the information management server 10 (step S221), the information management server 10 transmits the identity confirmation screen to the customer terminal. 30 and requesting identification information (step S211).

  FIG. 14 is a schematic view illustrating an identity confirmation screen displayed on the customer terminal 30. The person confirmation screen B1 shown in FIG. 14 includes a name input field b11, a telephone number input field b12, a date of birth input field b13, and a confirmation button b14. The customer inputs the same information as input to the user terminal 20 at the real estate company store in the name input field b11, telephone number input field b12, and date of birth input field b13, and further to the confirmation button b14. To perform a predetermined operation (for example, a tap operation).

  When the customer terminal 30 detects an input operation on the name input field b11, the telephone number input field b12, and the birth date input field b13 and a tap operation on the confirmation button b14, the customer terminal 30 confirms the information input in each of these input fields. Information is transmitted to the information management server 10 (step S222). The information management server 10 receives the identity confirmation information and confirms the identity by referring to the application information registered in the application information database 125 (step S212).

  If the identity verification is successful, the information management server 10 subsequently transmits and displays a member login screen to the customer terminal 30 and requests a member ID and password (step S213).

  FIG. 15 is a schematic diagram illustrating a member login screen displayed on the customer terminal 30. The member login screen B2 shown in FIG. 15 is provided with an ID input field b21, a password input field b22, a login button b23, and a new member registration button b24. When the customer has registered as a member in the information management system 1, the customer inputs the member ID and password set at the time of member registration in the ID input field b21 and the password input field b22, and taps the login button b23. To do.

  When the customer terminal 30 detects an input operation to the ID input field b21 and the password input field b22 and a tap operation to the login button b23, the customer terminal 30 transmits the input member ID and password to the information management server 10 (step S223). The information management server 10 performs authentication by receiving the member ID and password and referring to the member database 123 (step S214).

  On the other hand, if the customer is not registered as a member, the customer taps the new member registration button b24. In response, the customer terminal 30 requests the information management server 10 for a new member registration screen, and the information management server 10 transmits the screen to the customer terminal 30 for display. At this time, the information management server 10 may autofill in necessary information of the customer information registered in step S100 (see FIG. 3) on the new member registration screen in advance. After the member registration, the information management server 10 displays the member login screen B2 on the customer terminal 30 again.

  If the authentication of the member ID and password is successful, the information management server 10 transmits and displays a pre-examination application screen on the customer terminal 30 (steps S215 and S224).

  FIG. 16 is a schematic diagram illustrating an application screen for preliminary examination. As shown in FIG. 16, the application screen B3 for pre-examination includes application information (property information, borrowing information, principal information, selected financial institution) input from the user terminal 20 at the real estate company store, and terms of use. It is displayed. When there is an uninput item or an item to be corrected, the customer returns to a desired screen by tapping the return button b31 and can perform additional input or correction by himself / herself.

  When the customer terminal 30 detects an input operation for adding or modifying application information, the customer terminal 30 transmits application information addition / modification information to the information management server 10 (step S225). In response to this, the information management server 10 updates the application information (step S216).

  When applying for pre-examination, the customer taps the application button b32 after confirming and agreeing to the terms of use. When detecting the tap operation on the application button b32, the customer terminal 30 transmits application confirmation information to the information management server 10 (step S226). In response to this, the information management server 10 transmits information indicating that the application for the pre-examination by the application information has been made to the financial institutions selected in the application information all at once (step S217). In this mail, a URL for accessing the browsing screen for the application information is described. Further, in the application information database 125, the status of the application information is “applied (waiting for reply)”. FIG. 17 is a screen illustrating an application completion screen displayed on the customer terminal 30 after the application button b32 is tapped.

  In addition, the customer can confirm the content and status of his application information at any time by accessing the information management server 10 from the customer terminal 30 and inputting the member ID and password after applying for the preliminary examination. it can.

  Referring again to FIG. 3, in step S300 following step S200, application information is browsed and a response is registered. Application information browsing and answer registration processing are performed by operating the financial institution terminal 40. FIG. 18 is a sequence diagram of application information browsing and answer registration processing executed by the information management server 10 and the financial institution terminal 40.

  When the financial institution terminal 40 accesses the URL described in the mail (see step S215 in FIG. 13) transmitted from the information management server 10 (step S321), the information management server 10 transmits a login screen to the financial institution terminal 40. And requesting the financial institution ID and password (step S311). The financial institution terminal 40 transmits the input financial institution ID and password in response to an operation performed on the login screen (step S322). The information management server 10 performs authentication using the received financial institution ID and password.

  When the authentication of the financial institution ID and password is successful (step S312), the information management server 10 transmits the application information browsing screen to the financial institution terminal 40 for display (steps S313 and S323).

  FIG. 19 is a schematic view illustrating an application information browsing screen displayed on the financial institution terminal 40. Application information input from the user terminal 20 and the customer terminal 30 is displayed on the application information browsing screen C1 shown in FIG. The browsing screen C1 is provided with a print button c11, an answer input button c12, and a close button c13. Among these, the print button c11 is an input button for instructing to print out the browsing screen C1. The person in charge of financing at the financial institution examines the application information in advance by looking at the browsing screen C1 or by viewing a hard copy of the browsing screen C1 printed out.

  When the financial institution terminal 40 detects an operation on the response input button c12, the financial institution terminal 40 requests the information management server 10 for a response input screen for preliminary examination (step S324). In response to this, the information management server 10 transmits and displays an answer input screen to the financial institution terminal 40 (steps S314 and S325).

  The loan officer does not necessarily need to input an answer when displaying the application information browsing screen C1. For example, the browsing screen C1 may be temporarily closed by an operation on the close button c13, the application information may be examined by hard copy, and then logged in again, and an answer may be input to the browsing screen C1.

  FIG. 20 is a schematic diagram illustrating a pre-examination answer input screen. The answer input screen C2 shown in FIG. 20 is provided with an answer input field c21, a send button c22, and a return button c23. The loan officer inputs the pre-examination answer in the answer input field c21 and clicks the send button c22. When the financial institution terminal 40 detects an operation on the transmission button c22, the financial institution terminal 40 transmits the answer input in the answer input field c21 to the information management server 10 (step S326). Further, when the financial institution terminal 40 detects an operation on the return button c23, it requests the browsing screen C1 from the information management server 10 and displays it again.

  When the information management server 10 receives the preliminary examination response from the financial institution terminal 40, the information management server 10 registers the response in the application information database 125 (step S315). As a result, the status of the application information becomes “Replied”.

  Furthermore, the information management server 10 sends information indicating that the examination information response has been registered to the person in charge of the real estate company and the customer who created the application information by mail (step S316).

  Referring to FIG. 3 again, in step S400 subsequent to step S300, a pre-examination answer viewing process is performed. The reply browsing process is performed by operating the user terminal 20 or the customer terminal 30.

  For example, when browsing an answer from the customer terminal 30, the URL described in the received mail is accessed. In response to this, the information management server 10 transmits the member login screen B2 illustrated in FIG. 15 to the customer terminal 30 for display. When the authentication with the member ID and password input from the member login screen B2 is successful, the information management server 10 transmits the pre-examined answer browsing screen to the customer terminal 30 for display.

  FIG. 21 is a schematic view illustrating an answer browsing screen for preliminary examination. In the reply browsing screen D1 shown in FIG. 21, various conditions such as interest rates are displayed in addition to the preliminary examination reply (pass or fail). In addition, two buttons d11 and d12 are provided on the answer browsing screen D1. If the answer to the pre-examination is “pass”, the customer can apply for the main examination under the conditions presented by the financial institution by operating the button d11. In addition, the customer can temporarily close the response browsing screen D1 by operating the button d12 when he / she wants to determine the financial institution to apply for the main examination after comparing responses from a plurality of financial institutions.

When the customer terminal 30 detects an operation on the button d11, the customer terminal 30 transmits information indicating that an application is made to the main examination to the information management server 10. In response to this, the information management server 10 transmits information indicating that the customer has applied for the main examination to the financial institution terminal 40 by mail. As a result, the status of the application information is changed to “main examination”.
After the response browsing process, the operation of the information management system 1 ends.

  As described above, according to the present embodiment, after confirming the identity based on the customer's name, telephone number, and date of birth, an application for a preliminary examination is made by the operation of the principal. Therefore, the customer can apply for examination at a desired timing after reconfirming and reviewing the application information. It is also possible to ensure a high level of safety in information management.

  In addition, according to the present embodiment, even when applying for preliminary examination to a plurality of financial institutions, the application information only needs to be input once, so the procedures for both the real estate company staff and the customer are simplified. Can be

  Further, according to the present embodiment, since answers from a plurality of financial institutions can be viewed in the same format, the customer can easily compare and examine the borrowing conditions and the like.

  In addition, according to the present embodiment, the application information is not downloaded to the user terminal 20, the customer terminal 30, and the financial institution terminal 40, but is limited to browsing only, so that the risk of leakage of application information can be reduced. It becomes.

  Moreover, according to this embodiment, since points are given by using the information management system 1 regardless of the financial institution to be used, the real estate company can increase the incentive for the customer to use the company. .

  Here, in the above embodiment, after the application information is registered (see step S114 in FIG. 4), an email is sent to the customer (see step S115). Instead, registration is performed in step S114. A short message with a URL may be transmitted to the customer's mobile phone. In this case, the reliability of identity verification can be further secured.

  In the above embodiment, the customer can manually add / modify the application information by operating the customer terminal 30 (see step S225 in FIG. 13). The input item may be automatically input. For example, items that are common to the member information and customer information, such as the customer's address and work place, are not reviewed by the information management server 10 even if the application information is not entered when the application information is transmitted from the user terminal 20. When transmitting the application screen B3 (see FIG. 16) to the customer terminal 30, the corresponding information is extracted from the member information and auto-filled in. Thereby, the customer can save the trouble of inputting duplicate information.

DESCRIPTION OF SYMBOLS 1 ... Information management system 10 ... Information management server 11 ... Communication interface 12 ... Memory | storage part 13 ... Processor 20 ... User terminal 30 ... Customer terminal 40 ... Financial institution terminal 121 ... Information management program 122 ... User database 123 ... Member database 124 ... Finance Institution database 125 ... application information database 126 ... point management database 131 ... authentication management unit 132 ... application information registration unit 133 ... identity verification management unit 134 ... browsing processing unit 135 ... application confirmation unit 136 ... answer reception unit 137 ... point management unit

Claims (6)

An information management device used in an information management system for managing examination from a customer to a predetermined organization,
The information management system includes:
A first terminal that is used in a company that introduces the organization to the customer, is connected to the information management device via a communication network, receives input of application information for the examination application, and transmits the application information to the information management device; ,
A second terminal used in the customer, connected to the information management apparatus via the communication network, and receiving an input of information indicating that the application is to be performed, and transmitting the information to the information management apparatus;
A third terminal used in the institution, connected to the information management apparatus via the communication network, and receiving an input of an answer to the application and transmitting it to the information management apparatus;
Including
A database for storing the application information;
When the application information is transmitted from the first terminal, it is determined whether or not the application information includes information used for the identity verification of the customer, and information used for the identity verification of the customer An application information registration unit for registering the application information in the database,
When the second terminal accesses specific application information stored in the database, the second terminal requests the second terminal to input information used for identity verification of the customer , and the second terminal An identity verification management unit for verifying the identity by comparing the information input from the information used for the identity verification of the customer ;
When the information indicating that the application is performed is transmitted from the second terminal where the identity verification is performed, the application confirmation unit transmits the information indicating that the application is performed to the third terminal. When,
An information management device comprising: The information management according to claim 1, wherein the identity verification management unit performs identity verification by performing authentication based on an ID and a passcode issued in advance in addition to verification based on information used for identity verification of the customer. apparatus.   When a response to the application is transmitted from the third terminal, the response is registered in the database, and information indicating that the response has been received is transmitted to the first and second terminals The information management device according to claim 1, further comprising a unit. When the application information does not include information used for customer identification, the application information registration unit issues a warning to the effect that the information used for customer identification is not included. The information management apparatus according to any one of claims 1 to 3, wherein the information management apparatus is transmitted to the terminal. An information management system for managing examinations from customers to a predetermined organization,
Used in skill to introduce the engine to the customer, it is connected via a communication network with information management apparatus, a first terminal that transmits accepts input of application information of the application of the examination to the information management device ,
Used by the customer, connected to the information management apparatus via the communication network, and can browse the application information stored in the information management apparatus and input information indicating that the application is to be performed. A second terminal that receives and transmits to the information management device;
The information used by the institution and connected to the information management device via the communication network is capable of browsing the application information stored in the information management device, and accepts an input of a reply to the application to receive the information. A third terminal that transmits to the management device;
With
The information management device includes:
A database for storing the application information;
When the application information is transmitted from the first terminal, it is determined whether or not the application information includes information used for the identity verification of the customer, and information used for the identity verification of the customer An application information registration unit for registering the application information in the database,
When the second terminal accesses specific application information stored in the database, the second terminal requests the second terminal to input information used for identity verification of the customer , and the second terminal An identity verification management unit for verifying the identity by comparing the information input from the information used for the identity verification of the customer ;
When the information indicating that the application is performed is transmitted from the second terminal where the identity verification is performed, the application confirmation unit transmits the information indicating that the application is performed to the third terminal. When,
An information management system comprising: A program to be executed by a computer used as an information management apparatus in an information management system for managing examination from a customer to a predetermined organization,
The information management system includes:
A first terminal that is used in a company that introduces the organization to the customer, is connected to the information management device via a communication network, receives input of application information for the examination application, and transmits the application information to the information management device; ,
Used by the customer, connected to the information management apparatus via the communication network, and can browse the application information stored in the information management apparatus and input information indicating that the application is to be performed. A second terminal that receives and transmits to the information management device;
The information used by the institution and connected to the information management device via the communication network is capable of browsing the application information stored in the information management device, and accepts an input of a reply to the application to receive the information. A third terminal that transmits to the management device;
Including
In the computer,
When the application information is transmitted from the first terminal, it is determined whether or not the application information includes information used for the identity verification of the customer, and information used for the identity verification of the customer Step (a) of registering the application information in the database when
When the second terminal accesses specific application information stored in the database, the second terminal requests the second terminal to input information used for identity verification of the customer , and the second terminal (B) performing identity verification by collating the information entered from the information used for the customer identity verification ;
A step of transmitting, to the third terminal, information indicating that the application has been made when information indicating that the application is to be performed is transmitted from the second terminal in which the identity verification has been performed (c) )When,
A program that executes

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