JP6733797B1 - Application reception system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an application acceptance system capable of improving information input efficiency in an application made jointly by a plurality of persons. An information reception system 200 receives an application using application information including first information of a target input by a first target person and second information of a target input by a second target person. The information reception system 200 stores the first information received from the first terminal in the storage unit 43, notifies the second target person of the identification information of the application information including the first information, and the second terminal. Based on receiving the identification information and the second information from the above, the second information is associated with the first information of the application information specified from the identification information, and stored in the storage unit 43 as the application information for one application. An information management unit 42a that stores the information and an application reception unit 52b that performs a process of receiving an application using the application information are provided. [Selection diagram] Figure 1

Description

The present invention relates to an application acceptance system for applications made by a plurality of people jointly.

BACKGROUND ART Conventionally, various applications such as member registration, product purchase, and loan contracts have been made using information transmission and reception through networks such as the Internet. Specifically, application information that is information required for application is input to a terminal such as a smartphone, and the input application information is transmitted from the terminal to a reception server that receives the application. Then, the reception server uses the application information received from the terminal to perform processing according to the content of the application (for example, see Patent Document 1).

JP, 2018-151787, A

In recent years, more than one target person has been required, such as application for pair loan in mortgage, application for various loans with joint guarantor, inheritance procedure that requires application for both heirs and decedents. The form of jointly making one application is widespread. Such an application requires, as application information, information about each of a plurality of target persons. In an application using the terminal and the reception server, a plurality of target persons sequentially inputs their own information into the terminal. Therefore, when a large amount of information needs to be input for each target person, particularly when applying for a mortgage examination, it takes a long time to complete the input of application information. In addition, each subject is likely to waste a waiting time while another subject is inputting information.

It is an object of the present invention to provide an application reception system capable of improving the information input efficiency in an application made by a plurality of people jointly.

An application acceptance system that solves the above-mentioned problem is an application that accepts an application using application information that includes first target information input by a first target person and second target information input by a second target person. A reception system, wherein the first information received from the first terminal is stored in a storage unit, and the identification information of the application information including the first information is notified to the second target person, On the basis of receiving the identification information and the second information from the second terminal, the second information is associated with the first information of the application information specified from the identification information, and the application for one application is performed. The information management unit stores the application information in the storage unit, and an application receiving unit that performs a process of receiving the application using the application information.

According to the above configuration, the first information and the second information input to different terminals form application information for one application, and the application using this application information is accepted. Therefore, the first target person and the second target person can input the information necessary for the application by using different terminals, so that the information input efficiency can be improved.

In the above configuration, the first information includes first configuration information and second configuration information, and the information management unit further receives the first configuration information received from one terminal which is the first terminal. Is stored in the storage unit, the identification information of the application information including the first configuration information is notified to the first target person, and the identification information from another terminal which is the first terminal Storing the second configuration information in the storage unit by including the second configuration information in the first information of the application information specified from the identification information based on receiving the second configuration information. Good.

According to the above configuration, the first information is composed of the information input to different terminals, so that the first target person can switch the terminal to be used and input the first information. Therefore, the degree of freedom regarding the timing of inputting each piece of information that constitutes the first information and the environment can be increased, and the convenience for the first target person can be increased.

In the above configuration, a reception determination unit that determines whether or not the application using the application information satisfies a reception condition by using a part of the application information may be further provided.
According to the above configuration, it is possible to perform acceptance determination, which is a determination as to whether or not the application satisfies the acceptance condition, before all the application information is input. Therefore, the target person can review the application contents according to the judgment result, so compare with the case where the application is judged not to meet the acceptance condition after a large amount of information is entered as the application information. Thus, it is possible to prevent the input of information from being wasted.

In the above configuration, each of the first information and the second information includes common information that is information used for the determination and is information about the same item, and the reception determination unit is After making the determination using the common information included in 1 information, based on receiving the second information from the second terminal, the common information included in the second information is used again. The determination may be performed.

According to the above configuration, when the second information is input, even if the common information is changed from the first information, the acceptance determination is performed again, so that the accuracy of the acceptance determination is improved. Further, it is possible to suppress the occurrence of a situation in which it is determined that the application does not satisfy the acceptance condition after inputting a large amount of information, as compared with the mode in which the acceptance determination is performed only after inputting the second information. Therefore, it is possible to improve the convenience of the target person while maintaining the accuracy of the acceptance determination.

In the above configuration, the common information may include information about the second target person.
According to the above configuration, the common information may be changed when the second information is input. Therefore, the effect of making another acceptance determination using the common information included in the second information is highly obtained.

In the above configuration, the information management unit may perform the notification to the second target person after the acceptance determination unit has performed the determination using the common information included in the first information. ..

According to the above configuration, the input of the second information is allowed after the determination based on the first information, so that the input of the common information included in the first information and the input of the common information included in the second information are complicated. Can be suppressed. Therefore, it is possible to prevent the processing by the system from becoming complicated.

In the above configuration, the application is an application for examination regarding a mortgage, and one application may have a plurality of application destinations.
Like mortgage pre-screening, mortgage screening requires a lot of information as application information. According to the above configuration, since the application can be accepted for a plurality of application destinations by using the common application information, the efficiency of information input can be improved as compared with the case where the information is input for each application destination and the application is applied separately. And the convenience of the target person is enhanced.

According to the present invention, it is possible to improve the information input efficiency in an application made by a plurality of people jointly.

The figure which shows the structure of an application system about one Embodiment of an application system. It is a sequence chart which shows operation|movement of the application system of one Embodiment, Comprising: The figure which shows the process regarding the input of 1st information. The figure which shows an example of the input screen of the information displayed on a 1st terminal in the application system of one embodiment. The figure which shows an example of the display screen of the result of the acceptance determination displayed on a 1st terminal in the application system of one embodiment. It is a sequence chart which shows operation|movement of the application system of one Embodiment, Comprising: The figure which shows the process regarding the input of 1st information. It is a sequence chart which shows operation|movement of the application system of one Embodiment, Comprising: The figure which shows the process regarding the input of 2nd information. It is a sequence chart which shows operation|movement of the application system of one Embodiment, Comprising: The figure which shows the process after completion of the input of application information.

One embodiment of the application acceptance system will be described with reference to FIGS. In the present embodiment, as an example, a form in which the application acceptance system is used to apply for a preliminary examination of a mortgage will be described. The mortgage is a pair loan that is borrowed by two married couples or a loan with total income, and two target persons, the first target person P1 and the second target person P2, jointly conduct preliminary examination. Apply.

[Application system configuration]
The configuration of the application system including the application reception system will be described with reference to FIG. The application system 100 includes a store terminal 10, a first target person terminal 20, a second target person terminal 30, a management server 40, and a reception server 50. An application acceptance system 200 is composed of the management server 40 and the acceptance server 50.

Each of the store terminal 10, the first target person terminal 20, and the second target person terminal 30 and the management server 40 mutually transmit and receive data via the network. Each of the store terminal 10, the first target person terminal 20, and the second target person terminal 30 may mutually transmit and receive data via the network together with the reception server 50. Further, the management server 40 and the reception server 50 mutually transmit and receive data via the network. Each of the network used for communication between each terminal 10, 20, 30 and each server 40, 50 and the network used for communication between the servers 40, 50 may be a general-purpose communication line such as the Internet. It may be a dedicated communication line for communication of each device. Further, the network may include a plurality of independent networks, or may be one common network.

Each of the store terminal 10, the first target person terminal 20, and the second target person terminal 30 is a computer terminal such as a smartphone, a tablet terminal, or a personal computer. The store terminal 10 is a terminal operated at a store of a real estate company that handles properties subject to mortgages. The first target person terminal 20 is a terminal operated by the first target person P1, and is, for example, a mobile terminal owned by the first target person P1. The second target person terminal 30 is a terminal operated by the second target person P2, and is, for example, a mobile terminal owned by the second target person P2.

Each terminal 10, 20, 30 has a communication unit that performs communication processing such as connection processing to a network, a display unit that displays information, an operation unit that receives a user operation, and a control that controls the processing of these units. And a section. Information is input to the terminal based on an operation on the operation unit, and the input information is displayed on the display unit.

The application information Im, which is the information required to apply for the preliminary examination of the mortgage, includes the first information I1 that is the target information that is input by the first target person P1 and the target information that is input by the second target person P2. The second information I2, which is information, is included. The first information I1 is input to the shop terminal 10 or separately to the shop terminal 10 and the first target person terminal 20. That is, the store terminal 10 and the first target person terminal 20 function as a first terminal to which the first information I1 is input. The second information I2 is input to the second subject terminal 30. That is, the second subject terminal 30 functions as a second terminal to which the second information I2 is input.

The management server 40 is a server that mainly manages the information input to each of the terminals 10, 20, and 30 before accepting an application. The management server 40 includes a communication unit 41, a control unit 42, and a storage unit 43.

The communication unit 41 executes connection processing between the management server 40 and each of the terminals 10, 20, 30 and the reception server 50 via the network, and transmits and receives data between the connected devices.

The control unit 42 includes a CPU and a volatile memory such as a RAM. The control unit 42 controls the processing by the communication unit 41, reads and writes information in the storage unit 43, performs various arithmetic processes, and the like of each unit included in the management server 40 based on the programs and data stored in the storage unit 43. Take control.

In the application reception system 200, the control unit 42 functions as the information management unit 42a. The processing performed by the control unit 42 functioning as the information management unit 42a will be described below. The information management unit 42a uses the first authentication information K1 necessary for the first target person P1 to input the first information I1 at the first target person terminal 20, and the second target person P2 is the second target person terminal 30. The second authentication information K2 necessary for inputting the second information I2 is notified to the respective target persons P1 and P2. Each of the first authentication information K1 and the second authentication information K2 includes identification information of the application information Im including the first information I1 and the second information I2.

In addition, the information management unit 42a associates the first information I1 and the second information I2 received by the management server 40 with each other and causes the storage unit 43 to store the application information Im for one application. At this time, the information management unit 42a determines the information to be included in the application information Im based on the identification information.

The storage unit 43 includes a non-volatile memory and stores programs and data necessary for the processing executed by the control unit 42. As a part of such data, the storage unit 43 stores unaccepted data 43a and accepted data 43b. The unaccepted data 43a is data regarding an application that has not been accepted, and includes application information Im. The accepted data 43b is data about the application that has been accepted, and when the acceptance of the application using the unaccepted data 43a is completed, the application information Im included in the unaccepted data 43a constitutes the accepted data 43b. Will be migrated to.

Note that each function in the control unit 42 may be embodied by various hardware such as a plurality of CPUs or memories such as RAMs and software that causes these to function, or one common hardware. May be embodied by software that provides multiple functions to.

The reception server 50 is a server that receives an application. The reception server 50 includes a communication unit 51, a control unit 52, and a storage unit 53.
The communication unit 51 performs a connection process between the reception server 50 and a device to be communicated via the network, and transmits and receives data between the connected devices.

The control unit 52 includes a CPU and a volatile memory such as a RAM. The control unit 52 controls the processing by the communication unit 51, reads and writes information in the storage unit 53, performs various arithmetic processing, and the like of each unit included in the reception server 50 based on the programs and data stored in the storage unit 53. Take control.

In the application acceptance system 200, the control unit 52 functions as an acceptance determination unit 52a and an application acceptance unit 52b. The control unit 52, which functions as the acceptance determination unit 52a, determines whether or not the application using the application information Im satisfies the acceptance condition before accepting the application. In other words, the acceptance determination is a tentative determination of whether or not the application passes the preliminary examination, and the determination is made for each financial institution to which the application is applied. The acceptance determination is performed using a part of the application information Im.

The control unit 52 functioning as the application acceptance unit 52b performs a process of accepting an application for an application destination determined to satisfy the acceptance condition as a result of the acceptance determination by the acceptance determination unit 52a. This reception processing includes, for example, saving the application information Im in a predetermined storage destination and notifying the application destination.

The storage unit 53 includes a non-volatile memory and stores programs and data necessary for the processing executed by the control unit 52.
Each function in the control unit 52 may be embodied by various hardware such as a plurality of CPUs or memories such as RAMs and software that causes these, or one common hardware. May be embodied by software that provides multiple functions to.

[Application system operation]
The operation of the application system 100 will be described with reference to FIGS. In the application system 100, the screen for inputting information displayed on each of the store terminal 10, the first target person terminal 20, and the second target person terminal 30 and the screen associated therewith are the management server 40 or the reception desk. It is a screen displayed by the operation of the Web application provided by the server 50.

Hereinafter, a mode in which the first target person P1 has the main authority regarding the progress of the application will be described. The first target person P1 receives an explanation of the property and the mortgage as needed at the store of the real estate company that manages the property that is the target of the mortgage, and starts the application. The second target person P2 may or may not accompany the first target person P1.

As shown in FIG. 2, the application starts when the real estate authentication information Kf is input to the store terminal 10. The real estate authentication information Kf is authentication information issued to a real estate company permitted to use the application system 100 and includes an ID and a password.

Specifically, based on the store terminal 10 accessing a predetermined URL and connecting to the reception server 50, an input screen of the real estate authentication information Kf is displayed on the store terminal 10, and the real estate authentication information Kf is displayed through the screen. It is input to the terminal 10. The input real estate authentication information Kf is transmitted from the store terminal 10 to the reception server 50 (step S10).

Upon receiving the real estate authentication information Kf, the reception server 50 performs an authentication process. That is, the control unit 52 of the reception server 50 compares the received real estate authentication information Kf with the information stored in the reception server 50 to determine the validity of the real estate authentication information Kf. When the real estate authentication information Kf is valid, the reception server 50 transmits the data of the information input screen in the next step to the store terminal 10 as the authentication result (step S11). The server that receives the real estate authentication information Kf from the store terminal 10 and performs the authentication process may be the management server 40.

Subsequently, the real estate company information If is input to the store terminal 10, and the real estate company information If is transmitted from the store terminal 10 to the management server 40 (step S12). When selling a property managed by a real estate company, the real estate company needs to know the application status of the preliminary examination and the examination result. The real estate company information If includes information used for notifying the real estate company of the information. For example, the real estate company information If includes the company name, store name, person in charge, contact information, etc. of the real estate company. The contact information includes an email address.

Subsequently, the target person basic information It that constitutes the first information I1 is input to the store terminal 10, and the target person basic information It is transmitted from the store terminal 10 to the management server 40 (step S13). The target person basic information It includes information for identifying the first target person P1 and information for notifying the first target person P1 of the information. For example, the target person basic information It includes the first target person P1's name, date of birth, and contact information. The contact information includes an email address. FIG. 3 shows an example of the input screen Da of the target person basic information It.

In addition, prior to the input of the target person basic information It, regarding the precautions regarding the application for the preliminary examination using the application system 100 and the handling of the personal information, the first target person P1 obtains the consent, and the screen of the store terminal 10 is displayed. May be conducted through.

Upon receiving the real estate company information If and the target person basic information It, the information management unit 42a of the management server 40 includes the real estate company information If, the target person basic information, and It in the application information Im for one application. The information is associated as information to be stored and included in the unaccepted data 43a and stored in the storage unit 43 (step S14).

It should be noted that one application in the present embodiment is an application made by commonly using the application information Im input from each of the terminals 10, 20, 30 in the series of flows shown in FIGS. , The number of applicants is not limited to one. When applications are collectively applied to a plurality of application destinations by using the common application information Im, there are a plurality of application destinations for one application.

Subsequently, the information management unit 42a transmits the first input information In1 to the mail address of the first subject P1 included in the subject basic information It via the communication unit 41 (step S15). The first input information In1 is for inputting the first authentication information K1 necessary for the first target person P1 to input the first information I1 at the first target person terminal 20 and the first authentication information K1. It includes the URL of the Web page that displays the screen. The first authentication information K1 includes an ID and a password, is stored in the storage unit 43 in association with the unaccepted data 43a stored in step S14. That is, the ID functions as identification information of the application information Im including the first information I1 including the target person basic information It, and the information input person is the first target person P1, in other words, the first person. The authentication target K1 functions as information indicating that the target of input after the authentication is the first information I1. It is preferable that the ID and the password included in the first authentication information K1 are notified by separate emails.

After that, the information input to the store terminal 10 is transmitted to the management server 40 at an arbitrary timing according to an instruction from the first target person P1 or at a predetermined timing such as switching of screens displayed on the store terminal 10 to apply for the application. As the information forming the information Im, it is included in the unaccepted data 43a and stored in the storage unit 43.

Then, by accessing the URL notified as the first input information In1 by the first subject terminal 20 and authenticating the first authentication information K1, the information included in the stored unaccepted data 43a is obtained. Subsequently, the first information I1 can be input to the first subject terminal 20.

Specifically, the first authentication information K1 input to the first subject terminal 20 is transmitted to the management server 40, and the information management unit 42a of the management server 40 stores the received first authentication information K1 and the storage unit 43. Check the stored information. By the collation, the information management unit 42a is already stored as the unaccepted data 43a associated with the first authentication information K1, that is, the information included in the application information Im corresponding to the identification information that is the ID. Identify the information. The specified information is a part of the first information I1 and is an example of the first configuration information. Then, the information management unit 42a identifies that the input person of the authentication information is the first target person P1 based on the ID, and inputs the remaining part of the first information I1 subsequent to the specified first configuration information. The data of the screen is transmitted to the first subject terminal 20. The remainder of the first information I1 is an example of second configuration information.

Thereby, the remaining part of the first information I1 on the first target person terminal 20 can be input. The remaining part of the first information I1 input to the first target person terminal 20, that is, the second configuration information is transmitted to the management server 40. The information management unit 42a includes the received second configuration information in the unaccepted data 43a as the first information I1 together with the first configuration information identified based on the identification information, and stores it in the storage unit 43.

As described above, all of the information input by the first target person P1 in steps S16 to S24 may be performed at the store terminal 10, or all of the information may be input at the first target person terminal 20. Alternatively, a part of the process may be performed on the shop terminal 10 and then the continuation may be performed on the first target person terminal 20. Which of the store terminal 10 and the first target person terminal 20 is used for input is, for example, the time when the first target person P1 can stay in the store of the real estate company and the input of information. It may be selected according to the preparation situation of the materials required for. In this way, the terminal to which the first target person P1 inputs the first information I1 can be switched from the store terminal 10 managed by the real estate company to the first target person terminal 20 managed by the first target person P1. , The degree of freedom about the timing of inputting each information and the environment can be increased. Therefore, convenience for the first target person P1 is enhanced.

Further, the information input to the first target person terminal 20 is also managed at an arbitrary timing according to an instruction from the first target person P1 or at a predetermined timing such as switching of a screen displayed on the first target person terminal 20. The information is transmitted to the server 40, is included in the unaccepted data 43a, and is stored in the storage unit 43 as information constituting the application information Im. If the first target person P1 interrupts the input of information before all the input of the first information I1 is completed, it is stored by being authenticated by the first authentication information K1 as described above. Following the information included in the unaccepted data 43a, the input of the first information I1 to the first target person terminal 20 can be restarted. Therefore, the first subject P1 can freely suspend and restart the input of the first information I1. This also improves the convenience for the first target person P1.

Below, the description of the operation of the application system 100 will be continued assuming that the input of information in steps S16 to S24 is performed at the shop terminal 10.
Subsequent to the target person basic information It, the determination borrowing information Ih, the counterparty information Iy, and the financial institution information Is that form the first information I1 are input to the store terminal 10, and the input information Ih, Iy, Is. Is transmitted from the store terminal 10 to the management server 40 (step S16).

The determination borrowing information Ih is information regarding borrowing, and is information used by the reception server 50 for reception determination, that is, whether or not an application using the application information Im satisfies a reception condition. The acceptance judgment is performed based on the information of the items less than the pre-examination so as to extract the applications that obviously do not pass the pre-examination before the acceptance of the application. Pre-audit requires information on a number of items, and pre-examination generally takes several days or more. It is tentatively decided in advance whether or not to pass the preliminary examination, and if it is judged that the preliminary examination is not passed, by giving the target person an opportunity to review the conditions, etc., inputting a large amount of information and waiting for the preliminary examination Time can be prevented from being wasted.

The information included in the determination borrowing information Ih may be set according to the items used for the acceptance determination. For example, the determination borrowing information Ih includes the type and location of the purchased property, the amount and period of borrowing desired, the annual income of the first target person P1 in the previous year, and the like. Note that the information included in the subject basic information It may be used for the acceptance determination.

The other party information Iy includes information used for acceptance determination regarding the second target person P2 and information for notifying the second target person P2 of the information. For example, the other party information Iy includes the contact information including the date of birth of the second target person P2, the annual income of the previous year, and the mail address.

The financial institution information Is is information for designating a financial institution applying for preliminary examination of a mortgage, and can designate a plurality of financial institutions. The financial institution is selected by the first target person P1. The selectable financial institution may be changed according to the information already input, for example, the location of the real estate company or the property.

Upon receiving the determination borrowing information Ih, the counterparty information Iy, and the financial institution information Is, the information management unit 42a of the management server 40 includes the received information in the unaccepted data 43a as information that constitutes the application information Im. It is stored in the storage unit 43 (step S17).

Subsequently, the information management unit 42a transmits, to the reception server 50, the information required for the acceptance determination of the stored unaccepted data 43a, and requests the acceptance determination (step S18).
Upon receiving the request from the management server 40, the reception determination unit 52a of the reception server 50 makes a reception determination based on the information received from the management server 40. The acceptance determination result is transmitted from the acceptance server 50 to the shop terminal 10 via the management server 40 as necessary (step S19). The acceptance determination is performed for each financial institution designated by the financial institution information Is, that is, for each application. The criteria for the acceptance determination may be set appropriately for each financial institution.

When the store terminal 10 receives the result of the acceptance determination, the result is displayed on the store terminal 10 (step S20). When a plurality of financial institutions are designated as the financial institution information Is, the determination result is shown for each of the plurality of financial institutions. FIG. 4 shows an example of the display screen Db of the determination result of the acceptance determination.

When the first target person P1 receives the determination result of the acceptance determination and, for example, the determination result that all or part of the designated financial institutions does not satisfy the acceptance condition has already been obtained, It is possible to change part of the entered information and receive another acceptance decision. For example, it is assumed that the amount of money and the period for which borrowing is desired are changed, and the acceptance determination is received again. In this case, after the information to be changed is input to the store terminal 10, the processes of steps S17 to S20 are repeated.

It should be noted that in the present embodiment, the application is accepted only with respect to the applicant who is determined to satisfy the acceptance condition in the acceptance determination. Therefore, when there is no financial institution determined to satisfy the acceptance condition, the processing from step S21 is not performed.

As shown in FIG. 5, subsequently, the examination basic information Ik forming the first information I1 is input to the store terminal 10, and the examination basic information Ik is transmitted from the store terminal 10 to the management server 40 ( Step S21). The basic information for examination Ik is information used for preliminary examination, and is mainly information regarding properties and funds. In addition, the examination basic information Ik is information that contributes to the grasp of the outline of the borrowing for which the second target person P2 inputs the second information I2. The basic information for examination Ik includes, for example, information about the details of the property such as the total floor area, and information about financial plans such as the purchase fund of the property and own funds.

Upon receipt of the examination basic information Ik, the information management unit 42a of the management server 40 stores the examination basic information Ik in the storage unit 43 as information constituting the application information Im by including it in the unaccepted data 43a (step S22).

Subsequently, the information management unit 42a transmits the second input information In2 to the mail address of the second target person P2 included in the partner information Iy via the communication unit 41 (step S23). The second input information In2 is for inputting the second authentication information K2 necessary for the second target person P2 to input the second information I2 at the second target person terminal 30, and the second authentication information K2. It includes the URL of the Web page that displays the screen. The second authentication information K2 includes an ID and a password, is stored in the storage unit 43 in association with the unaccepted data 43a stored in step S22. That is, the ID functions as identification information of the application information Im including the first information I1 of the unaccepted data 43a, and the information input person is the second target person P2, in other words, the second authentication information. It functions as information indicating that the input target after the authentication of K2 is the second information I2. It is preferable that the ID and password included in the second authentication information K2 are notified by separate emails.

The timing of transmission of the second input information In2 to the second target person P2 is not particularly limited as long as it is after the management server 40 receives the partner information Iy. For example, the second input information In2 may be transmitted after the first target person P1 completely inputs the first information I1. Further, the transmission timing of the second input information In2 may be selectable by the first target person P1.

Then, the detailed examination information Ip that constitutes the first information I1 is input to the store terminal 10, and the detailed examination information Ip is transmitted from the store terminal 10 to the management server 40 (step S24). The detailed examination information Ip is information used for the preliminary examination in addition to the basic examination information Ik, and is mainly information about the first target person P1. The detailed information Ip for examination includes, for example, detailed information such as gender and family composition of the first target person P1, detailed information such as the type of business and capital of the work place of the first target person P1, and other borrowing information. included. Further, the detailed information for examination Ip may include images of various materials such as an identification document such as a driver's license and income confirmation material such as a withholding tax.

When the detailed information for examination Ip is received, the information management unit 42a of the management server 40 stores the detailed information for examination Ip in the storage unit 43 by including it in the unaccepted data 43a as information constituting the application information Im (step S25). By storing the detailed examination information Ip, all of the first information I1 of the application information Im is stored. That is, the first information I1 includes the subject basic information It, the judgment borrowing information Ih, the counterparty information Iy, the financial institution information Is, the examination basic information Ik, and the examination detailed information Ip.

Upon receiving the storage of the detailed examination information Ip, the information management unit 42a sends a confirmation notice for confirming the identity of the first target person P1 who has input the first information I1 to the mail address of the first target person P1. It transmits via the communication part 41 (step S26). The confirmation notification includes the URL of a predetermined web page. Accessing the URL based on the receipt of the confirmation notification within a predetermined time after the confirmation notification is transmitted functions as confirmation of the identity of the first target person P1 who has input the first information I1.

Before the confirmation notification is transmitted, a request for confirmation of the contents of each input information and the consent of the first target person P1 regarding the precautions regarding the application for the preliminary examination are obtained through the screen of the store terminal 10. May be broken.

The first target person terminal 20 accesses the URL included in the confirmation notification, thereby completing the principal confirmation as described above (step S27).
Based on the completion of the identity verification, the information management unit 42a of the management server 40 adds the information indicating that the identity verification of the first target person P1 is completed to the first information I1 of the unaccepted data 43a (step S28).

Then, the information management unit 42a sends a notification of the completion of the input of the first information I1 by the first target person P1 and a notification prompting the input of the second information I2 to the mail of the second target person P2 included in the partner information Iy. It transmits to the address via the communication part 41 (step S29). In addition, when the second target person P2, which will be described later, has input the second information I2, the notification may not be performed.

FIG. 6 shows a flow of processing centered on the second target person terminal 30 in the application system 100, in other words, a flow of processing related to input of the second information I2 by the second target person P2. The flow shown in FIG. 6 can be started at an arbitrary timing based on the will of the second target person P2, after the second input information In2 is transmitted in step S23.

As shown in FIG. 6, the second authentication information K2 is transmitted to the second target person terminal 30 through a screen displayed based on the second target person terminal 30 accessing the URL notified as the second input information In2. Is entered. The input second authentication information K2 is transmitted from the second target person terminal 30 to the management server 40 (step S30).

Upon receiving the second authentication information K2, the information management unit 42a of the management server 40 collates the received second authentication information K2 with the information stored in the storage unit 43 as an authentication process. By the collation, the information management unit 42a is already stored as the unaccepted data 43a associated with the second authentication information K2, that is, the information included in the application information Im corresponding to the identification information included in the second authentication information K2. Identifying information (step S31). This specified information is a part or all of the first information I1. In addition, the information management unit 42a identifies that the input person of the authentication information is the second target person P2 based on the identification information.

When the unaccepted data 43a is specified, the information management unit 42a transmits at least a part of the first information I1 included in the unaccepted data 43a to the second subject terminal 30 as a result of the authentication being established (step). S32). The transmitted information is, for example, a part or all of the information included in the target person basic information It, the judgment borrowing information Ih, the financial institution information Is, and the examination basic information Ik.

The second subject terminal 30 displays the information received from the management server 40 (step S33). As a result, the second target person P2 can confirm the information included in the first information I1 input by the first target person P1, and thereby grasp the outline of the borrowing to be applied. be able to.

Subsequently, the second information I2 is input to the second target person terminal 30, and the second information I2 is transmitted from the second target person terminal 30 to the management server 40 (step S34). The second information I2 is information used for the preliminary examination and is mainly information about the second target person P2. For example, the second information I2 is detailed information such as name, date of birth, sex, family composition, relationship, previous year's annual income, contact information, etc. for the second target person P2, type of business for the second target person P2. And detailed information such as capital, other borrowing information, etc. are included. Further, the second information I2 may include images of various materials such as identity verification documents such as a driver's license and income verification materials such as a withholding tax.

Here, the second information I2 includes information on the same items as the counterparty information Iy included in the first information I1, such as the annual income of the second target person P2 in the previous year. Of the second information I2, regarding the information of the same item as the other party information Iy, the other party information Iy, that is, the information input by the first target person P1 is displayed on the second target person terminal 30 and the relevant information is displayed. Can be changed. It should be noted that all items of the other party information Iy may be included in the second information I2 and changeable from the information input as the first information I1, or only a part of the previous year's annual income, etc. may be changed. It may be possible. The second information I2 including the changed information is transmitted to the management server 40. The first information I1 other than the other party information Iy is preferably not allowed to be changed by the second target person P2 as the second information I2.

It should be noted that prior to inputting the second information I2, the second target person terminal 30 receives the precautions regarding the application for the preliminary examination using the application system 100 and the acquisition of consent from the second target person P2 regarding the handling of personal information. May be performed through the screen.

Upon receiving the second information I2, the information management unit 42a of the management server 40 associates the received second information I2 with the first information I1 identified in step S31, and sets these as the application information Im for one application. The data is included in the unaccepted data 43a and stored in the storage unit 43 (step S35).

Then, the information management part 42a transmits the information required for the acceptance determination of the unaccepted data 43a to the acceptance server 50, and requests the acceptance determination (step S36). Of the information used for the acceptance determination, the second information I2 is used for the second information I2 having the same items as the other party information Iy. That is, when the information input by the first target person P1 is changed by the second target person P2, the changed information is used to make another acceptance determination. The common information is the information used for the acceptance determination, which is the information about the same item included in each of the first information I1 and the second information I2. As described above, in addition to the common information, the information included in the first information I1 such as the determination borrowing information Ih is also used for the acceptance determination.

Since the other party information Iy is the information about the second target person P2 input by the first target person P1, it is not always correct and may be corrected by the second target person P2 himself. In the second information I2, when the common information is modified from the first information I1, the acceptance determination result also changes from the acceptance determination determination result of step S19 performed using the common information included in the first information I1. There are cases. On the other hand, if the acceptance determination is not performed until the input of the second information I2 is completed, the situation in which the input of the first information I1 cannot be proceeded, or after inputting a lot of information as the first information I1 Is determined not to be accepted, and a situation occurs in which it is required to review the content of the application, and the convenience for the first target person P1 becomes low.

Therefore, in the present embodiment, first, the acceptance determination is performed using the common information included in the first information I1, and after the second information I2 is input, the common information included in the second information I2 is used again to perform the reception determination. Make acceptance decision. Then, the application acceptance process is performed based on the latest acceptance determination result. As a result, the accuracy of the acceptance determination is improved, and it is possible to accurately accept the application, and the application is accepted after the input of a lot of information, as compared with the mode in which the acceptance determination is performed only after the input of the second information I2. It is possible to reduce the frequency of occurrence of a situation that is determined not to occur. Therefore, it is possible to improve the convenience of the target person while maintaining the accuracy of the acceptance determination.

Upon receipt of the request for acceptance determination from the management server 40, the acceptance determination unit 52a of the acceptance server 50 determines acceptance based on the information received from the management server 40. The result of the acceptance determination is transmitted from the acceptance server 50 to the management server 40 (step S37).

It should be noted that the processing of steps S36 and S37, that is, the processing of the acceptance determination and the acceptance determination corresponding thereto, is performed when the common information, that is, the information of the same item as the partner information Iy is changed in the second information I2. May be done only.

As a result of the acceptance determination, if there is an application destination determined to satisfy the acceptance condition, the information management unit 42a of the management server 40 confirms the identity of the second target person P2 who has input the second information I2. The confirmation notice is transmitted to the mail address of the second target person P2 via the communication unit 41 (step S38). The confirmation notification includes the URL of the predetermined web page, and the second information I2 is input that the URL is accessed based on the receipt of the confirmation notification within a predetermined time after the confirmation notification is transmitted. It functions as confirmation of the identity of the second target person P2.

Before sending the confirmation notice, the request for confirmation of the contents of the input information and the obtaining of consent from the second target person P2 regarding the precautions regarding the application for the preliminary examination are performed on the screen of the second target person terminal 30. May be done.

The second target person terminal 30 accesses the URL included in the confirmation notification, thereby completing the personal identification as described above (step S39).
Based on the completion of the identity verification, the information management unit 42a of the management server 40 adds the information indicating that the identity verification of the second target person P2 is completed to the second information I2 of the unaccepted data 43a (step S40). At this point, if the input of the first information I1 or the identification of the first target person P1 has not been completed, the information management unit 42a reports the completion of the input of the second information I2 by the second target person P2. Then, it is preferable to send a notification urging the first target person P1 to proceed with the processing to the mail address of the first target person P1.

The information input to the second target person terminal 30 is managed by the management server at an arbitrary timing according to an instruction from the second target person P2 or at a predetermined timing such as switching of screens displayed on the second target person terminal 30. 40, and is included in the unaccepted data 43a and stored in the storage unit 43 as information constituting the application information Im. If the second target person P2 interrupts the input of information before the input of all the second information I2 is completed, the stored unaccepted data 43a is obtained by being authenticated by the second authentication information K2. Following the information contained in, the input of the second information I2 to the second subject terminal 30 can be resumed. Therefore, the second target person P2 can freely suspend and restart the input of the second information I2, and the convenience for the second target person P2 is enhanced.

Here, in the acceptance determination in step S37, if there is no application destination determined to satisfy the acceptance condition, a screen notifying that there is no applicable financial institution is displayed instead of the processing in step S38 and thereafter. 2 Displayed on the target person terminal 30. Then, the second information I2 input to the second target person terminal 30 is made modifiable, and when the second information I2 is corrected, the processing from step S35 is repeated.

Further, when there is no application destination determined to satisfy the acceptance condition by the latest acceptance determination, the first information I1 can be modified. For example, when the input of the first information I1 is not completed, it is notified on the screen displayed during the input that there is no financial institution that can be applied, and it is possible to correct the first information I1. It When the first information I1 is corrected, the acceptance determination is performed again, and the processing is continued when there is an application destination determined to satisfy the acceptance condition.

Alternatively, when the input of the first information I1 is completed and the confirmation notification is transmitted, the process of confirming the identity of the first target person P1 in step S27, that is, the first target person terminal 20 to the predetermined URL. When the access is performed, a screen notifying that there is no financial institution applicable to is displayed on the first subject terminal 20, and the first information I1 can be corrected. Then, when the first information I1 is corrected, the acceptance determination is performed again, and when there is an application destination determined to satisfy the acceptance condition, the process is restarted from step S26.

Further, when the input of the first information I1 and the identification of the first target person P1 are completed and the processing up to step S29 is completed, the acceptance condition is the latest acceptance determination by the input of the second information I2. The first information I1 can be corrected even when there is no application destination determined to satisfy the above condition. The correction of the first information I1 is performed based on access to a predetermined URL on the first subject terminal 20 and authentication of the first authentication information K1. Then, when the first information I1 is corrected, the acceptance determination is performed again, and when there is an application destination determined to satisfy the acceptance condition, the processing from step S26 is performed again. ..

As shown in FIG. 7, the input of the first information I1 and the identification of the first target person P1 are completed, and the input of the second information I2 and the identification of the second target person P2 are completed. There is an application destination determined to satisfy the acceptance condition by the latest acceptance determination, and when these conditions are met, the information management unit 42a of the management server 40 completes the input of the application information Im. To the acceptance server 50 (step S41). In other words, the information management unit 42a requests the acceptance server 50 to accept the application using the application information Im for the application destination determined to satisfy the acceptance condition. The information required to accept the application is transmitted from the management server 40 to the acceptance server 50.

Upon receiving the notification from the management server 40, the application reception unit 52b of the reception server 50 performs the application reception process using the application information Im for the application destination determined to satisfy the reception condition (step S42).

When the reception process is completed, the application reception unit 52b completes the reception of the application for each of the mail address of the first target person P1, the second target person P2, and the mail address included in the real estate company information If. The notification of the fact is transmitted via the communication unit 51 (step S43). Note that this notification may be performed by the management server 40 based on the reception server 50 notifying the management server 40 of the completion of the reception.

The first target person P1, the second target person P2, and the person in charge of the real estate company can confirm that the acceptance of the application is completed by confirming the email as the notification (steps S44 to S46). Note that the application destination is described in the notification that the acceptance of the application has been completed. Then, among the applicants who are determined to satisfy the condition in the acceptance determination in step S19 using only the first information I1, the conditions are not satisfied in the acceptance determination in step S37 using the second information I2. If there is an application determined to be, it is stated in the above notification that the application could not be accepted.

Upon receipt of the acceptance of the application, the information management unit 42a of the management server 40 manages the application information Im managed as the unaccepted data 43a as the accepted data 43b (step S47).

It should be noted that the period during which the first information I1 and the second information I2 are stored as the unaccepted data 43a before the completion of acceptance of the application is preferably limited to a predetermined period such as 30 days. That is, it is preferable that the period during which the input of the information configuring the application information Im can be suspended or restarted is limited to the above-described predetermined period. For example, the information management unit 42a deletes the information forming the application information Im included in the unaccepted data 43a from the storage unit 43 when a predetermined period has elapsed from the transmission date of the first input information In1. As a result, it is possible to prevent the first information I1 and the second information I2 containing a large amount of personal information from being stored in the management server 40 for a long period of time.

Based on the completion of the acceptance of the application by the acceptance server 50, the financial institution to which the application is applied performs a preliminary examination of the mortgage using the application information Im. The result of the preliminary examination is registered in the reception server 50 through the terminal of the financial institution or the like. That is, the examination result is stored in the storage unit 53 (step S48). Note that the information used for the preliminary examination in the application information Im may differ depending on the financial institution to which the application is applied.

When the examination result is registered, the application acceptance unit 52b of the acceptance server 50 assigns the email address of the first target person P1, the email address of the second target person P2, and the email address included in the real estate company information If, respectively. A notification that the preliminary examination is completed is transmitted via the communication unit 51 (step S49). The notification may be made by the management server 40 based on the fact that the acceptance server 50 notifies the management server 40 that the examination is completed.

The first target person P1, the second target person P2, and the person in charge of the real estate company can confirm the examination result based on the confirmation of the notification email (steps S50 to S52). The examination result may be described in the above notification, or the examination result may be confirmed by accessing the URL described in the notification.

As described above, in the application system 100 of the present embodiment, the first information I1 is input to the store terminal 10 or the first target person terminal 20, and the identification information of the application information Im including the first information I1 is the first. It is transmitted to the second target person P2 as 2 input information In2. Then, the management server 40 receives this identification information from the second target person terminal 30, the first information I1 corresponding to the identification information is specified, and the first information I1 and the second target person terminal 30 manage it. The second information I2 received by the server 40 is associated and stored as the application information Im for one application.

As described above, in the present embodiment, the first information I1 and the second information I2 input to different terminals form the application information Im for one application, and the application using this application information Im Will be accepted. Therefore, the first target person P1 and the second target person P2 can input the information necessary for the application by using different terminals, so that the time required to complete the input of the application information Im can be shortened. By doing so, it is possible to suppress the occurrence of waiting time while another target person is inputting information. As a result, it is possible to improve the efficiency of inputting information in an application jointly made by a plurality of people.

For example, when the second target person P2 accompanies the first target person P1 and is visiting a store of a real estate company, the store terminal 10 and the second target person terminal 30 can proceed to input information in parallel. .. Therefore, the time required to input the application information Im can be shortened and the waiting time can be suppressed. When the second target person P2 is not accompanied by the first target person P1, the first target person P1 does not need to wait for the input of information by the second target person P2 at the store, and The second target person P2 can also input information at the second target person terminal 30 at a convenient time regardless of whether or not the information input by the first target person P1 is completed. Therefore, also in this case, it is possible to suppress the occurrence of a waiting time while another target person is inputting information.

Note that a new application may be possible by diverting the application information Im included in the received data 43b, that is, the application information Im of the already received application. For example, it is assumed that a new application is made by changing the property, borrowing condition, application destination, etc. in the application information Im. As mentioned above, it is necessary to enter a lot of information to apply for pre-screening of mortgage, so it is not possible to enter all the information again after applying for one application. It is complicated for the person. If the application information Im of an already accepted application can be reused, it is possible to omit duplicate information input between an already accepted application and a new application, so that the efficiency of information input is improved and the target person The convenience of is improved.

For example, it is possible to change the application information Im included in the accepted data 43b based on access to a predetermined URL at the subject terminals 20 and 30 and authentication of the authentication information K1 and K2. Then, the application acceptance process using the changed application information Im is performed for the application destination determined to satisfy the condition by the acceptance determination using the changed application information Im.

In addition, it is preferable that the period in which the application information Im is stored as the received data 43b is limited to a predetermined period such as 30 days. That is, it is preferable that the period during which a new application can be made by diverting the received application information Im is limited to the predetermined period. For example, the information management unit 42a deletes the application information Im included in the received data 43b from the storage unit 43 when a predetermined period has elapsed from the completion date of receiving the application. As a result, it is possible to prevent the application information Im including a large amount of personal information from being stored in the management server 40 for a long period of time, so that security against leakage of personal information is enhanced.

As described above, according to this embodiment, the following effects can be obtained.
(1) The first information I1 and the second information I2 input to different terminals form application information Im for one application, and an application using this application information Im is accepted. Therefore, the first target person P1 and the second target person P2 can input the information necessary for the application by using different terminals, so that the information input efficiency can be improved. That is, it is possible to reduce the time required to complete the input of information and the waiting time while another target person is inputting information.

Further, conventionally, when a plurality of target persons jointly apply for one application, it is necessary for all the target persons to be present together and input the application information Im into one terminal, so that the plurality of target persons are separated from each other. There is a problem that it is difficult to use the system when living in a different place or when the time of the subjects does not fit each other. On the other hand, even if a plurality of target persons try to input information simply by using different terminals, the information input by different terminals is the information for one application in the administrator who accepts the application. It has been complicated to determine the above and perform a process of collecting these pieces of information and accepting them as one application.

With respect to such a problem, according to the application reception system 200 of the present embodiment, it is possible for a plurality of target persons to input information necessary for application using different terminals, and the application information Im Based on the identification information, the information input to different terminals is associated as information for one application, so that the convenience of both the target person and the application manager can be improved.

(2) The management server 40 stores the first configuration information, which is a part of the first information I1 received from the store terminal 10, and first inputs the identification information of the application information Im including the first configuration information. It is included in the business information In1 and transmitted to the first target person P1. Then, the management server 40 identifies the second configuration information from the identification information based on receiving the identification information and the second configuration information that is a part of the first information I1 from the first target person terminal 20. The application information Im is stored by including it in the first information I1.

According to the above configuration, the first information I1 is composed of the information input to the terminals different from each other, so that the terminal to which the first target person P1 inputs the first information I1 can be switched. Therefore, the degree of freedom regarding the timing and the environment for inputting each piece of information that constitutes the first information I1 is increased, and convenience for the first target person P1 is increased.

(3) As the acceptance determination, a part of the application information Im is used to determine whether the application using the application information Im satisfies the acceptance condition. Then, when it is determined that the above condition is satisfied, the application acceptance process using the application information Im is advanced. With such a configuration, the acceptance determination can be performed before all the application information Im is input, and thus the target person can review the application content according to the result. Therefore, compared to the case where the acceptance of the application is rejected after inputting a large amount of information as the application information Im, it is possible to prevent the information input from being wasted.

(4) The first information I1 and the second information I2 each include common information that is information about the same item. Then, after the acceptance determination is performed using the common information included in the first information I1, the management server 40 receives the second information I2, and then the common information included in the second information I2 is used. The acceptance decision is made again. Then, if it is determined in the latest acceptance determination that the acceptance condition is satisfied, the application acceptance process is performed.

Therefore, when the second information I2 is input, even if the common information is changed from the first information I1, the acceptance determination is performed again, and the application is accepted based on the latest acceptance determination result. Therefore, the accuracy of acceptance determination is increased, and accurate application can be accepted. Further, it is possible to suppress the occurrence of a situation in which it is determined that the application cannot be accepted after the input of a large amount of information, as compared with the mode in which the acceptance determination is performed only after the input of the second information I2. Therefore, it is possible to improve the convenience of the target person while maintaining the accuracy of the acceptance determination.

In particular, when the common information includes information about the second target person P2, there is a sufficient possibility that the common information will be changed when the second information I2 is input. Therefore, as described above, the effect of performing the acceptance determination again using the common information included in the second information I2 can be highly obtained.

(5) Since the second input information In2 is transmitted to the second target person P2 after the reception determination is performed using the common information included in the first information I1, the reception based on the first information I1 After the determination, the input of the second information I2 is allowed. Therefore, since it is possible to prevent the common information included in the first information I1 and the common information included in the second information I2 from being complicated, it is possible to prevent the processing by the application reception system 200 from becoming complicated. ..

(6) The application that is the target of the application system 100 is an application for examination regarding a mortgage, and one application has a plurality of application destinations. As a result, since the application can be accepted for a plurality of application destinations by using the common application information Im, the efficiency of inputting information is improved as compared with the case of inputting information for each application destination and applying separately. Therefore, the convenience of the target person is enhanced.

[Modification]
The above embodiment can be modified and implemented as follows.
In the above embodiment, the acceptance determination is performed after the common information is input by the first target person P1 and the common information is input by the second target person P2. May be done. For example, the acceptance determination may be performed after all the input of the application information Im and the identification of the target person are completed, and the acceptance processing may be performed based on the determination result. In short, the acceptance determination is performed at least twice, that is, the acceptance determination using the common information included in the first information I1 and the reception determination again using the common information included in the second information I2. It suffices if the application acceptance process proceeds based on the acceptance determination result.

-Processing when the determination result is different between the reception determination using the common information included in the first information I1 and the reception determination again using the common information included in the second information I2 is different from that in the above embodiment. May be. For example, in the above-described embodiment, the application is accepted for the application destination determined to satisfy the acceptance condition by the latest acceptance determination. Not limited to this, when the determination results of the above two acceptance determinations are different, regardless of whether or not there is an applicant who has been determined to meet the acceptance conditions, the notification is sent to the target person without performing the acceptance processing. May be done. Further, in the above-described embodiment, when the acceptance result of the acceptance determination is changed and the application cannot be accepted for some of the application destinations, this is notified to the target person by the notification of completion of acceptance of the application. If the determination result of (1) is changed, the subject may be notified immediately after the acceptance determination.

The application targeted by the application system 100 is not limited to the application for the preliminary examination of the mortgage. The application targeted by the application system 100 may be an application for a loan different from a mortgage, or may be an application for various contracts other than a loan, as long as multiple applications are jointly applied. .. For example, the application targeted by the application system 100 may be an application for various loans for which a joint guarantor is set, or an application for inheritance procedures by the heirs and the heirs. The information forming the application information Im may be set according to the type of application. The relationship between the first target person P1 and the second target person P2 is such that, when the first target person P1 is a contractor and the second target person P2 is a guarantor, the first target person P1 is mainly the second target person P2. The target person P2 may have a subordinate relationship, or, as in the case where both the first target person P1 and the second target person P2 are contractors, the first target person P1 and the second target person P2. And may have an equal relationship. Further, the first target person P1 and the second target person P2 may have a paired relationship, as in the case where the first target person P1 is the transferee and the second target person P2 is the transferee.

In the above embodiment, the first information I1 to be input by the first target person P1 includes the application content, that is, the information indicating the loan content, the information about the first target person P1, and the temporary information about the second target person P2. The second information I2 to be input by the second target person P2 includes formal information about the second target person P2. The information included in each of the first information I1 and the second information I2 is not limited to the above, and may be set according to what kind of information the application needs.

In the above embodiment, the real estate authentication information Kf is authenticated at the start of the application, and the application information Im includes the real estate company information If. For the third party different from the first target person P1 and the second target person P2, authentication, input of information, and various notifications may be performed as needed, and when unnecessary depending on the type of application. It doesn't have to be done.

First input information In1 after the input order of the information included in the first information I1, the input order of the information included in the second information I2, and which of the information included in the first information I1 is input Which of the information included in the first information I1 is input and then the second input information In2 is transmitted may be appropriately set according to the type of application.

Each authentication process that occurs in the process by the application system 100 is not limited to the authentication using the ID and the password. Further, each notification generated in the processing by the application system 100 may be performed using a means different from the notification by email. Further, the method and timing for identifying the first target person P1 and the second target person P2 may be different from those in the above embodiment.

The store terminal 10 may not be used to input the first information I1, and only the first target person terminal 20 managed by the first target person P1 may be used. Further, the first input person In may not be notified of the first input information In1, and the input of the first information I1 may be continuously performed using one terminal.

-One application may be targeted for one application. Further, the acceptance determination may not be performed, and the application acceptance process may be performed for all the application destinations designated by the target person.
In the above-described embodiment, the progress of inputting information in each terminal 10, 20, 30 is realized by the operation of the Web application, but instead of this, the application software installed in each terminal 10, 20, 30 is used. It may be realized by an operation.

The reception server 50 may take part of the functions of the management server 40 in the above embodiment, or the management server 40 may take part of the functions of the reception server 50 in the above embodiment. Further, the function of the management server 40 and the function of the reception server 50 in the above embodiment may be realized by one server.

I1...first information, I2...second information, Im...application information, In1...first input information, In2...second input information, K1...first authentication information, K2...second authentication information, P1...second 1 target person, P2... second target person, 10... store terminal, 20... first target person terminal, 30... second target person terminal, 40... management server, 41... communication unit, 42... control unit, 42a... information Management unit, 43... Storage unit, 43a... Unaccepted data, 43b... Accepted data, 50... Reception server, 51... Communication unit, 52... Control unit, 52a... Acceptance determination unit, 52b... Application acceptance unit, 53... Storage Department, 100... Application system, 200... Application acceptance system.

Claims (5)

An application acceptance system for accepting an application using application information including target first information input by a first target person and target second information input by a second target person,
Storing the first information received from the first terminal in a storage unit and notifying the second target person of the identification information of the application information including the first information; and the identification from the second terminal. The storage unit as the application information for one application by associating the second information with the first information of the application information specified from the identification information based on receiving the information and the second information. And an information management unit that
And a application receiving section that performs processing for receiving the application using the application information,
The first information includes first configuration information and second configuration information,
The information management unit further includes
The first configuration information received from the one terminal which is the first terminal is stored in the storage unit, and the identification information of the application information including the first configuration information is notified to the first target person. And receiving the identification information and the second configuration information from another terminal which is the first terminal, the first information of the application information specified from the identification information is included in the first information. 2 storing configuration information in the storage unit
Application reception system. An application acceptance system for accepting an application using application information including target first information input by a first target person and target second information input by a second target person,
Storing the first information received from the first terminal in a storage unit and notifying the second target person of the identification information of the application information including the first information; and the second terminal identifying the identification information. The storage unit as the application information for one application by associating the second information with the first information of the application information specified from the identification information based on receiving the information and the second information. And an information management unit that
An acceptance determination unit that determines whether the application using the application information satisfies the acceptance conditions by using a part of the application information,
And a application receiving section that performs processing for receiving the application using the application information,
Each of the first information and the second information includes common information that is information used for the determination and that is information about the same item,
The reception determination unit is included in the second information based on receiving the second information from the second terminal after performing the determination using the common information included in the first information. Perform the determination again using the common information
Application reception system. Wherein the common information, receiving applications system according to claim 2 which contains information about the second subject is. After the admission judgment unit has performed the determination using the common information included in the first information, the information management unit, according to claim 2 or 3 performs the notification toward the second subject Application acceptance system. An application acceptance system for accepting an application using application information including target first information input by a first target person and target second information input by a second target person,
Storing the first information received from the first terminal in a storage unit and notifying the second target person of the identification information of the application information including the first information; and the second terminal identifying the identification information. The storage unit as the application information for one application by associating the second information with the first information of the application information specified from the identification information based on receiving the information and the second information. And an information management unit that
And a application receiving section that performs processing for receiving the application using the application information,
The application is for mortgage examination, and one application has multiple applications.
Application reception system.