JP6586267B2 - Notification item change system - Google Patents

Description

  The present invention relates to a notification item changing system to a financial institution using a smartphone or the like.

Today, online banking is widely used, which uses the services of financial institutions such as banks via the Internet to check deposit balances, deposit / withdrawal inquiries, account transfers, and account transfers. A customer who uses such a system can also perform this change procedure using the above system when there is a change in registration items with a financial institution such as an address change.
The invention according to Patent Document 1 discloses a service that collectively performs procedures such as address change to a financial institution such as a bank using the Internet.

JP 2007-172425 A

  However, when performing procedures such as changing the address using the above-mentioned net banking, the above system cannot be used for some accounts, such as loan-related accounts, and procedures by the counter or mail are necessary. there were.

  In addition, in the invention according to Patent Document 1, when an address or a telephone number is changed due to a move or the like, a notification of address change to a financial institution is submitted to the financial institution via the Internet using a communication terminal such as a computer or a mobile phone. This is an agency service, and after receiving information from the change requester, it makes a batch notification of address changes to the requested financial institution.

  Therefore, in any case, it takes time to change the address to a conventional financial institution, and it has not been possible to perform a quick process. In addition, with the conventional system, it was not possible to quickly review the loan details at the same time as changing the notification items such as the address.

  Therefore, the present invention provides a notification item changing system capable of quickly performing a procedure for changing a notification item such as an address using a smartphone or the like and simultaneously performing a review process of the contents of the loan.

According to the present invention, according to the present invention, when a notification item to a financial institution is changed, a transmission means for transmitting a notification item-dedicated input form to a customer, and information input to the notification item-dedicated input form by the customer Based on the above, the examination means for performing the process of changing the notification items and examining the contents of the loan, the notifying means for notifying the customer of the corresponding change contents when there is an increase or decrease in the credit line due to the examination, Achieved by providing a notification item changing system having a loan content changing means for changing a loan content based on a notification content and a loan execution means for executing a changed loan based on the change of the loan content it can.

  In addition, the examination means examines the creditworthiness of the customer based on internal information and external information, and a notification item changing system for reexamination of the contents of the loan based on the confirmation material transmitted from the customer together with the notification item dedicated input form Can be achieved by providing.

  In addition, according to the present invention, when a change occurs in the notification items to the financial institution according to the present invention, a process for transmitting a notification item dedicated input form to the customer, and the customer input the notification item dedicated input form. A process of changing the notification items based on information, a process of examining the contents of the loan, a process of notifying the customer of the corresponding change contents when there is a change in the contents of the loan by the examination, and the notification means This can be achieved by providing a notification item changing method for performing a loan content change process for changing the loan content on the basis of the customer's consent to the notification.

  According to the present invention, when there is a change in the customer's address, etc. due to moving, etc., the notification item registered with the financial institution is quickly changed based on the notification item change request, and at the same time based on the notification after the change. It is possible to provide a notification item changing system convenient for the customer, which can automatically review and review the loan conditions in a short time.

It is a figure explaining the basic composition of the report matter change system using a smart phone. It is a block diagram which shows the concrete structure of a 1st examination part thru | or 3rd examination part, a contract part, and a loan execution part. It is a figure explaining the basic process sequence of the notification matter change system of this invention. It is a figure which shows the structure of a 3rd examination part. It is a figure explaining the notification matter change system of this invention concretely. It is a figure explaining the notification matter change system of the modification of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a basic system for explaining a notification matter changing system of the present invention, which is a financing system using a smartphone. The notification item changing system of this example uses a part of this system.

  First, the basic system of FIG. 1 will be described. This system includes a first examination unit 1, a second examination unit 2, a third examination unit 3, a contract unit 4, and a loan execution unit 5. The first screening unit 1 accepts a loan application from a customer and performs a preliminary screening, the second screening unit 2 reviews credit information for the customer who has applied, and the third screening unit 3 For customers who have passed one of the screenings, a personal screening such as enrollment confirmation will be conducted. Further, the contract unit 4 clears the examinations of the first to third examination units 1 to 3 and makes a loan contract with the customer whose loan is approved, and the loan execution unit 5 makes a contract with the contract unit 4. The loan is executed to the customer who has made it. For example, the loan amount is transferred to an account of a financial institution designated by the customer.

  FIG. 2 is a block diagram for briefly explaining the configurations of the first to third examination units 1 to 3, the contract unit 4, and the loan execution unit 5. The first examination unit 1 includes an application input unit 6, a reception completion mail issuing unit 7, a first determination unit 8, and a primary answer mail issuing unit 9.

  The application input unit 6 accepts a loan application from a customer using a smartphone, and the reception completion mail issuing unit 7 performs a reception completion notification to the customer's mail address in response to the loan application from the customer. 1 determination part 8 performs examination based on the information described in the application format from the customer. This examination is performed using a database (DB1 to DB3) (not shown). For example, in the database (DB1), “application history information”, “residual contract information”, “residual customer information”, and “ A storage area of “examination history information” is provided, and the first determination unit 8 searches the database (DB1) and examines, for example, duplicate applications.

  The database (DB2) is a database constructed in a financial institution, and the database (DB3) is a database constructed outside the financial institution. Using these databases, for example, customer attribute information (zip code, Eliminate those who are not eligible for financing based on information that cannot be grasped from personal credit information (address, telephone number, etc.).

  The second examination unit 2 includes a second determination unit 10 and a secondary answer mail issuing unit 11. The second determination unit 10 examines the creditworthiness of the customer, for example, examines using external information, and the secondary reply mail issuing unit 11 sends the result of the examination based on the external information to the customer by mail. Notify

The third examination unit 3 includes an identification document receiving unit 12, a third determination unit 13, and a tertiary response mail issuing unit 14. The identity verification document receiving unit 12 receives the identity verification document from the customer, the third determination unit 13 performs identity verification based on the identity verification document and the application information described above, and the tertiary reply mail issuing unit 14 After the decision, notify the final approval of the loan.
In the notification item changing system of this example, as will be described later, a notification item changing completion mail issuing unit 14 ′ is used instead of the tertiary response mail issuing unit 14.

  The contract unit 4 includes a contract processing unit 15, which clears the screenings of the first to third screening units 1 to 3 and makes a loan contract with a customer whose loan is approved. The loan execution unit 5 includes an information receiving unit 16 for designating a transfer destination, a loan processing unit 17, and a card issuance processing unit 18, and performs a transfer procedure to a transfer account designated by the customer.

In the above configuration, FIG. 3 is a diagram for explaining the processing procedure of the notification item changing system of this example.
First, a notification item changing process is performed (step (hereinafter referred to as ST) 1). This process is the first process performed when there is a change in the matters reported to a financial institution due to a housing move or the like. In this process, the change content is first input to the notification matter input form transmitted based on the notification from the customer, so that the server of the financial institution receives this change content (data A), and further, a driver's license, etc. The third examination unit 3 receives the confirmation material B for confirming the address change.
The first screening unit 1 that has received the data A determines (discriminates) the loan contract information to be reported and changed from “application history information”, “residual customer information”, “screening history information”, and HOST information.
Next, in the second examination unit 2, the credit amount is reviewed by using “internal information” and “external information”.

  FIG. 4 is a diagram showing the configuration of the third examination unit 3, which includes the identity verification document reception unit 12 and the third determination unit 13 as described above, and further reports items in place of the above-described tertiary response mail issuing unit 14. A change completion mail issuing unit 14 'is provided. The confirmation document B described above is input to the identity verification document receiving unit 12 of this example, and the third determination unit 13 performs the examination described later based on the confirmation document B.

  The notification item change completion e-mail issuing unit 14 'performs confirmation of the address change and examination using a loan system described later (ST2), and transmits an e-mail notifying completion of notification item change when the examination is completed (ST3). In addition to the notification of completion of notification item change, this email includes contents changed by the examination using the loan system. For example, credit line increases or decreases and other notices are also included.

  The above notification is displayed on the screen of the customer's smartphone to confirm the changed loan terms. By linking, for example, to a predetermined contract screen of a financial institution from this display screen, it is possible to grasp whether or not the change of the report item has been correctly completed and the details of the changed loan conditions (ST4).

Next, the notification item changing process of this example will be specifically described with reference to FIG.
First, when an address or a telephone number is changed due to moving or the like, the customer performs a notification item changing procedure with respect to the financial institution as described above (ST1). In this process, first, the smartphone is operated, for example, the notification item change acceptance is selected from the homepage, and the financial institution is notified (ST1-1). The financial institution that has received this confirmation confirms the email address of the customer who sent it, and sends the email containing the URL to the email address (ST1-2). It should be noted that transmission including the URL may be performed using SMS (short message service) addressed to the customer's telephone number.

  The URL included in the e-mail is for reading out the notification item-specific input form, and the customer opens the URL, downloads the notification item-specific input form, and inputs the changed items into the notification item-specific input form (ST1-3). ). For example, when the address changes, a new address is input, and when the phone number also changes, a new phone number is also input.

  Next, the identity verification material B is uploaded (ST1-4). For example, a confirmation document B such as a driver's license, passport, health insurance card, etc. is uploaded. When the server on the financial institution side confirms the input of the notification item input form (data A) and the confirmation material B in which necessary items are input, it transmits a reception completion email to the customer's smartphone (ST1-5).

  Next, based on the data A and the confirmation material B input in the notification matter dedicated input form, an examination is performed using the aforementioned loan system (ST2). First, customer attribute information registered in the above-mentioned database (DB2), that is, information such as a zip code, an address, and a telephone number is searched, and the contents of the corresponding old data are overwritten on the new data. For example, when the address of a certain customer is changed, the contents of the old address of the corresponding customer are overwritten on the new address. If the telephone number is also changed, the old telephone number is overwritten with the new telephone number.

  Thereafter, the second determination unit 10 (second screening unit 2) performs screening using external information. (ST2-1). An examination is performed based on the external information and the information on the location of the new address, and for example, the credit amount is increased or decreased. In addition, the third determination unit 14 (third examination unit 3) performs identity verification based on the confirmation material B (ST2-2), and if necessary, uses new address information and a telephone number to confirm enrollment. Confirm contract details (ST2-3)

  Thereafter, when the examination (ST2) is completed, a notification item change procedure completion mail is transmitted (ST3). In addition, if the credit limit is increased or decreased as a result of the examination, an email to be sent is also transmitted.

  The above notification is displayed on the screen of the customer's smartphone. Then, the customer who confirmed the display on the screen, for example, by linking to the predetermined contract screen of the financial institution from this display screen, grasps whether the change of the report item has been correctly completed and details of the changed loan conditions. can do. (ST4).

Thereafter, if there is a change in the contract items on the server side, the contract change process is performed, and the changed loan is executed (ST5).
As described above, according to this example, when a customer's address or phone number is changed due to a move, etc., the notification item registered in the financial institution is quickly changed based on the notification item change request from the customer. At the same time, the examination is automatically performed based on the notification information after the change, and the review of the loan conditions can be performed in a short time. For example, in the case of this example, as shown in FIG. 5, the contract change process can be completed on the day of the notification item change request from the customer.

FIG. 6 is a diagram for explaining a notification matter changing system according to a modification of the present invention.
In this example, when a mail from a financial institution to a customer is returned, an address change request is automatically transmitted to the customer's smartphone and the address change procedure is performed. This will be specifically described below.

  Conventionally, when a mail from a financial institution to a customer is returned, the business is complicated because the customer is individually processed and contacted. However, if the mail to the customer is returned, it is a problem for the crediting financial institution to continue using it without changing the reported items. Therefore, in this example, an address change request is transmitted to the customer, and the address change procedure is automatically advanced.

  The procedure shown in FIG. 6 in this example is different from the procedure shown in FIG. 5 described above in terms of the transmission of the address change request to the customer. The other procedures are basically the same as the procedure shown in FIG. The same as above.

  First, there is a case where a postal item sent to a customer, for example, postal matter such as a customer account usage report or new product introduction material is returned by the customer's move. In such a case, the financial institution performs postal item return registration for the corresponding customer (step (hereinafter referred to as STP) 1). Then, it is reflected in the customer attribute information constructed in the aforementioned database (DB2) (STP2). For example, a flag is set in the mail return area of the customer that is the object of the database (DB2), and a new credit is stopped.

  Next, an email including a URL is automatically transmitted to the customer's email address (STP3). In this case as well, transmission including the URL may be performed to the customer's telephone number (mobile phone number) using SMS (short message service).

  The URL included in this e-mail is for reading out the notification item-specific input form, as described above, and the customer opens the URL, downloads the notification item-specific input form, and inputs the change item.

  Subsequent procedures are the same as the above process. For example, if the address changes, the new address is entered in the notification matter input form. If the phone number changes, the new phone number is entered in the notification matter input form. . After that, when the acceptance process is completed, an acceptance completion email is sent to the customer's smartphone, and when the examination based on the data A and the confirmation material B entered in the notification matter dedicated input form is completed, a notification matter change procedure completion email is sent. When there is an increase or decrease in the frame, the presentation mail is also transmitted. Contract change processing is performed based on the notified contents, and the changed loan is executed thereafter.

  As described above, according to this example, even if the customer's address, etc. changes due to moving, etc., and the postal item is returned from the financial institution, the customer's e-mail address or mobile phone number is entered exclusively for notification items A URL for reading the form is sent, and the registered items registered with the financial institution can be automatically changed. At the same time, the examination is automatically performed based on the changed notification information, and the loan is made in a short time. Condition review processing can also be performed. For example, in the case of this example as well, as shown in FIG. 6, when the mail is returned from the customer, the contract change process can be completed within the day.

  In the description of this example, a smartphone has been described as a mobile terminal. However, the present invention is not limited to a smartphone, and the same applies to procedures for changing notification items using other types of mobile phones and mobile terminals such as PDS. Can be applied.

DESCRIPTION OF SYMBOLS 1 ... 1st screening part 2 ... 2nd screening part 3 ... 3rd screening part 4 ... Contracting part 5 ... Loan execution part 6 ... Application input part 7 ...・ Reception completion mail issuing unit 8... First determination unit 9... Primary answer mail issuing unit 10... Second determination unit 11 .. Secondary answer mail issuing unit 12.・ ・ Third decision section 14 ・ Third response mail issuing section 14 ′ ・ Notification item change completion mail issuing section 15 ・ Contract processing section 16 ・ Receiving section 17 such as bank transfer designation information ・ ・ Loan processing section 18 Card issuance processing part A ... Data B ... Confirmation document

Claims (2)

When there is a change in the notification items to the financial institution, a transmission means for transmitting the notification item dedicated input form to the customer's mobile terminal device,
A server of the financial institution performs a change process of the notification item based on information input to the notification item dedicated input form by the customer, and an examination unit that examines a loan content;
If there is a change in the loan contents by the examination, a notification means for notifying the corresponding change contents to the mobile terminal device of the customer;
A loan content changing means for making a change to the notified loan content in the storage device of the financial institution, and a notification matter changing system comprising:
Automatically sending the notification form input form to the e-mail address of the mobile terminal device of the customer based on the return of mail from the financial institution to the customer , or addressing to the mobile phone number of the customer A notification item changing system, wherein the notification item-dedicated input form is transmitted using SMS . The notification item change system according to claim 1 , wherein the transmission of the notification item dedicated input form and the change notification of the loan contents are transmitted to the mobile terminal device of the customer.

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