JP6974373B2 - Inheritance office work support system, inheritance office work support method and inheritance office work support program - Google Patents

Description

The present invention relates to an inheritance office work support system, an inheritance office work support method, and an inheritance office work support program.

In inheritance affairs, documents required for inheritance affairs are based on multiple factors such as the type and balance of the account held by the decedent, heir information such as the existence of heirs and inheritance, and inheritance conditions such as the existence of wills. Since the documents submitted by the heirs are different, it was necessary to have specialized and diverse knowledge in determining the documents required for inheritance affairs. On the other hand, a technique for reducing the administrative burden in inheritance work has been proposed (see, for example, Patent Documents 1-3).

For example, Patent Document 1 proposes an inheritance office work support system that guides the procedure for accepting inheritance office work and notifies the incompleteness of the received documents and data. In Patent Document 2, information such as the type and balance of the account held by the decedent, heir information, inheritance conditions, etc. is acquired from the user, and the inheritance that guides the documents required for the inheritance procedure based on the acquired information. A consultation system has been proposed. Patent Document 3 proposes an inheritance business support system that collates the input information regarding the inheritance procedure with the customer information and notifies that there is a difference between the information.

Japanese Unexamined Patent Publication No. 2005-228501 Japanese Unexamined Patent Publication No. 2016-212691 Japanese Unexamined Patent Publication No. 2018-005767

Information such as inheritance conditions is entered in the inheritance confirmation form submitted when carrying out inheritance affairs by the heir or the agent of the heir (hereinafter referred to as heir, etc.). Since heirs, etc. do not always know the existence, balance, type, and other account information of all accounts held by the decedent, the account information for all accounts held by the decedent is inherited. It may not be filled out on the confirmation form. Even with the technology disclosed in Patent Document 1-3, if the account information described in the inheritance confirmation form is leaked, it cannot be dealt with. Therefore, the staff of the financial institution leaked the account information etc. entered in the inheritance confirmation form. It will be confirmed whether there is any omission, and if there is an omission, it will be decided what kind of documents are necessary for inheritance work after eliminating the omission. Such work was a heavy burden on the staff.

One aspect of the disclosure technology is to provide an inheritance office work support system that can output a list of documents required for inheritance office work even if the account information entered in the inheritance confirmation form is leaked.

One aspect of the disclosed technology is exemplified by the following inheritance office support system. This inheritance office work support system is the first acquisition means to acquire the account number indicating the account held by the decedent based on the information read from the form on which the information related to inheritance is entered, and the account information related to the account. The second acquisition means for acquiring the account information associated with the acquired account number from the account storage means for storing the information in association with the account number, and the subject based on the account information acquired by the second acquisition means. It is provided with a determination means for determining a document to be used for the inheritance procedure from the heir and an output means for outputting a list of the determined documents.

Information related to inheritance is entered on the form. The information related to the inheritance may be, for example, information indicating the decedent or an account number indicating the account held by the decedent. The inheritance office work support system acquires the information related to the inheritance written on the form by reading the information written on the form as image data by, for example, and executing the character recognition process on the image data. .. The inheritance office support system identifies the account held by the decedent based on the information indicating the decedent, and acquires the account information of the specified account. According to such an inheritance office work support system, part of the account information (for example, information indicating the type of account or balance) for a certain account is not entered in the form, or the account information is entered in the form. Even if there is no account, the account information of the account held by the decedent is acquired based on the information entered on the form, and the inheritance procedure from the decedent is based on the acquired account information. It is possible to determine the documents to be used for and output a list of the determined documents. That is, according to the disclosed technology, even if the account information entered in the form is leaked, it is possible to output a list of documents required for inheritance.

The disclosed technique may have the following features: The first acquisition means acquires inheritance conditions including at least one of the presence / absence of a will, the presence / absence of an executor, the presence / absence of a heritage division agreement, and the heir information from the form, and the determination means. Determines the documents to be used for the inheritance procedure from the decedent based on the inheritance conditions acquired by the first acquisition means and the account information acquired by the second acquisition means. In the determination, the determination means obtains the first from the condition storage means that stores the combination of each condition included in the inheritance condition and the account information in association with the identifier that uniquely identifies each of the combinations. Document storage that acquires an identifier associated with the combination of the inheritance condition acquired by the means and the account information acquired by the second acquisition means, and stores the identifier and the document used for the inheritance procedure in association with each other. Documents used for the inheritance procedure associated with the acquired identifier may be acquired from the means. With these characteristics, the documents to be used for the inheritance procedure from the decedent are decided according to the inheritance conditions such as the presence or absence of a will, the presence or absence of an executor, the presence or absence of a heritage division agreement, and heir information. can do.

The disclosed technique may have the following features: The account information includes at least one of the balance, type and tax classification of the account associated with the account number. Examples of the account type include ordinary accounts and checking accounts. In addition, tax classifications for accounts include taxable and non-taxable. The documents used for the inheritance procedure from the decedent may vary depending on the balance of the account held by the decedent, whether the account is tax exempt or not, and the type of account. Having such characteristics, the inheritance office work support system can determine the documents to be used for the inheritance procedure from the decedent according to the balance, type and tax classification of the account.

The disclosed technique may have the following features: The first acquisition means further acquires the decedent information indicating the decedent from the information entered in the form, and based on the decedent information, the account held by the decedent is opened. Identify and get the account number of the identified account. A person different from the decedent fills out the form. Therefore, the account number is not always entered on the form for all the accounts held by the decedent. By having such a feature, the inheritance office work support system can acquire the account number of the decedent even if the account number of the decedent is omitted in the form.

The disclosed technique may have the following features: The output means outputs the determined document together with the determined list of the documents. By having such a feature, the inheritance office work support system can provide the heirs and the like with documents used for the inheritance procedure from the decedent.

The disclosed technique may have the following features: The output means outputs a list of unsubmitted documents from the list of documents used for the inheritance procedure from the decedent. By having such a feature, it is possible to prevent the heirs and the like from misunderstanding that it is necessary to resubmit the documents submitted in advance together with the form.

The disclosed technology can also be grasped from the aspect of the inheritance office work support method and the inheritance office work support program.

This inheritance office work support system can output a list of documents required for inheritance office work even if the account information entered in the inheritance confirmation form is leaked.

FIG. 1 is a diagram showing an example of the configuration of the inheritance office work support system according to the embodiment. FIG. 2 is a diagram showing an example of a hardware configuration of an information processing device used as a reception terminal and a management server. FIG. 3 is a diagram showing an example of a processing block of the inheritance office work support system according to the embodiment. FIG. 4 is a diagram showing an example of an account table stored in the management database in the present embodiment. FIG. 5 is a diagram showing an example of a management table stored in the management database in the present embodiment. FIG. 6 is a diagram showing an example of a condition table stored in the condition database in the embodiment. FIG. 7 is a diagram showing an example of an inheritance pattern table stored in a condition database in an embodiment. FIG. 8 is a diagram showing an example of a processing flow of the inheritance office work support system according to the embodiment. FIG. 9A is a first diagram showing an example of an inheritance confirmation form read by a reception terminal in this processing flow. FIG. 9B is a second diagram showing an example of an inheritance confirmation form read by the reception terminal in this processing flow. FIG. 10 is a diagram showing an example of a processing block of the inheritance office work support system according to the first modification. FIG. 11 is a diagram illustrating variations in the method of accepting the inheritance confirmation form in the second modification. FIG. 12 is a diagram showing an example of a processing block of the inheritance office work support system according to the third modification. FIG. 13 is a diagram illustrating cooperation with other banks in the third modification.

Hereinafter, embodiments will be described with reference to the drawings. In the embodiment, an inheritance office work support system that supports inheritance office work in a bank, which is an example of a financial institution, will be described. The configurations of the embodiments shown below are exemplary, and the disclosed techniques are not limited to the configurations of the embodiments.

<Embodiment>
FIG. 1 is a diagram showing an example of the configuration of the inheritance office work support system according to the embodiment. The inheritance office work support system 1 according to the embodiment includes a reception terminal 10 installed in a bank store and a management server 20 installed in an office work processing center that performs office work processing of a bank. The reception terminal 10 and the management server 20 are connected to each other so as to be able to communicate with each other by the network environment 5.

The reception terminal 10 is, for example, an information processing device operated by a bank employee in a bank store. The reception terminal 10 reads the contents of the inheritance confirmation form entered by the heir, makes an inquiry to the management server 20 based on the read information, and outputs a list of documents required for the inheritance procedure. For example, Artificial Intelligence-Optical Character Recognition (AI-OCR) can be adopted for reading the contents of the inheritance confirmation form. The inheritance confirmation form is an example of "form form".

The management server 20 is, for example, an information processing device installed in a business processing center that performs business processing of a bank. For example, the management server 20 generates information indicating a list of documents required for inheritance in response to an inquiry from a reception terminal 10 installed in each store of a bank, and returns the generated information to the reception terminal 10. ..

FIG. 2 is a diagram showing an example of a hardware configuration of an information processing device used as a reception terminal and a management server. The information processing apparatus 100 is a Central Processing.
It includes a unit (CPU) 101, a main storage unit 102, an auxiliary storage unit 103, a communication unit 104, and a connection bus B1. The CPU 101, the main storage unit 102, the auxiliary storage unit 103, and the communication unit 104 are connected to each other by the connection bus B1.

The CPU 101 is also referred to as a microprocessor unit (MPU) or a processor. The CPU 101 is not limited to a single processor, and may have a multiprocessor configuration. Further, a single CPU 101 connected by a single socket may have a multi-core configuration. At least a part of the processing executed by the CPU 101 is performed by a processor other than the CPU 101, for example, a dedicated processor such as a Digital Signal Processor (DSP), a Graphics Processing Unit (GPU), a numerical arithmetic processor, a vector processor, or an image processing processor. May be. Further, at least a part of the processing executed by the CPU 101 may be executed by an integrated circuit (IC) or another digital circuit. Further, an analog circuit may be included in at least a part of the CPU 101. Integrated circuits include Large Scale Integrated Circuits (LSIs), Application Specific Integrated Circuits (ASICs), and Programmable Logic Devices (PLDs). PLDs include, for example, Field-Programmable Gate Array (FPGA). The CPU 101 may be a combination of a processor and an integrated circuit. The combination is called, for example, a microcontroller unit (MCU), a system-on-a-chip (SoC), a system LSI, a chipset, or the like. In the information processing apparatus 100, the CPU 101 expands the program stored in the auxiliary storage unit 103 into the work area of the main storage unit 102, and controls peripheral devices through the execution of the program. As a result, the information processing apparatus 100 can execute processing that meets a predetermined purpose. The main storage unit 102 and the auxiliary storage unit 103 are recording media that can be read by the information processing apparatus 100.

The main storage unit 102 is exemplified as a storage unit that is directly accessed from the CPU 101. The main memory 102 is a Random Access Memory (RAM) and a Read.
Includes Only Memory (ROM).

The auxiliary storage unit 103 stores various programs and various data in a readable / writable recording medium. The auxiliary storage unit 103 is also called an external storage device. The auxiliary storage unit 103 stores an operating system (Operating System, OS), various programs, various tables, and the like. The OS includes a communication interface program that exchanges data with an external device or the like connected via the communication unit 104. The external device and the like include, for example, other information processing devices and external storage devices connected by a computer network or the like. The auxiliary storage unit 103 may be, for example, a part of a cloud system which is a group of computers on a network.

The auxiliary storage unit 103 is, for example, an Erasable Program ROM (EPROM), a solid state drive (Sold State Drive, SSD), a hard disk drive (Hard Disk Drive, HDD), or the like. Further, the auxiliary storage unit 103 is, for example, a Compact Disc (CD) drive device, a Digital Versaille Disc (DVD) drive device, a Blu-ray (registered trademark) Disc (BD) drive device, or the like. Further, the auxiliary storage unit 103 may be provided by a Network Attached Storage (NAS) or a Storage Area Network (SAN).

The communication unit 104 is, for example, an interface with the information processing device 100. The communication unit 104 communicates with an external device via the network environment 5.

The information processing apparatus 100 may further include, for example, an input unit that receives an operation instruction or the like from a user or the like. As such an input unit, an input device such as a keyboard, a pointing device, a touch panel, or a voice input device can be exemplified.

The information processing apparatus 100 may include, for example, an output unit that outputs data processed by the CPU 101 or data stored in the main storage unit 102. Examples of such an output unit include an output device such as a cathode Ray Tube (CRT) display, a Liquid Crystal Display (LCD), a Plasma Display Panel (PDP), an Electroluminescence (EL) panel, an organic EL panel, or a printer.

<Processing block of inheritance office work support system 1>
FIG. 3 is a diagram showing an example of a processing block of the inheritance office work support system according to the embodiment. Hereinafter, an example of the processing block of the inheritance office work support system 1 according to the embodiment will be described with reference to FIG.

(Processing block of reception terminal 10)
The reception terminal 10 includes a reading unit 11, an acquisition unit 12, and an output unit 13. The reception terminal 10 performs processing as each unit of the reception terminal 10, such as a reading unit 11, an acquisition unit 12, and an output unit 13, by executing a computer program executably deployed in the main storage unit 102 by the CPU 101. Run.

The reading unit 11 reads the contents of the inheritance confirmation form entered by the heir. Information indicating the heir, account information indicating the account of the decedent, the presence or absence of a will, etc. are handwritten on the inheritance confirmation form. The reading unit 11 reads the inheritance confirmation form by an image scanner or the like and converts it into image data. The reading unit 11 acquires the information described in the inheritance confirmation form by performing character recognition processing on the converted image data. For the character recognition process, for example, AI-OCR can be used. The reading unit 11 is an example of the "first acquisition means".

The acquisition unit 12 transmits an inquiry request including the information acquired by the reading unit 11 to the management server 20.
Request the extraction of the list of documents required for the inheritance procedure. The acquisition unit 12 receives information indicating a list of required documents returned from the management server 20.

The output unit 13 outputs information indicating a list of required documents acquired by the acquisition unit 12 to, for example, a display of the reception terminal 10. The output unit 13 may further output various documents shown in the required document list to a printer or the like connected to the reception terminal 10. Various documents may be stored in advance in the auxiliary storage unit 103 of the reception terminal 10, for example. The output unit 13 is an example of "output means".

(Processing block of management server 20)
The management server 20 includes an account confirmation unit 21, an account investigation unit 22, an extraction unit 23, a management database 24, and a condition database 25. In the figure, the management database 24 and the condition database 25 are described as the management DB 24 and the condition DB 25, respectively. In the management server 20, the CPU 101 executes a computer program executably deployed in the main storage unit 102, whereby the account confirmation unit 21, the account investigation unit 22, the extraction unit 23, the management database 24, and the management server 20 of the management server 20 are executed. The processing as each part of the condition database 25 and the like is executed.

The management database 24 stores various information related to the account. FIG. 4 is a diagram showing an example of an account table stored in the management database in the present embodiment. The account table 241 stored in the management database 24 stores each item of "account number", "account type", and "balance" in association with each other. An account number that uniquely identifies an account is stored in the "account number". Information indicating the type of account is stored in the "account type". The information indicating the type of account is, for example, information indicating an ordinary account, a checking account, an investment trust account, or the like. The amount deposited in the account is stored in the "balance". The account table 241 is an example of "account storage means".

FIG. 5 is a diagram showing an example of a management table stored in the management database in the present embodiment. The management table 242 stored in the management database 24 stores each item of "customer ID", "name", "address", "telephone number", "date of birth", and "account number" in association with each other. An ID that uniquely identifies a bank customer is stored in the "customer ID". The customer's name is stored in the "name". The customer's address is stored in the "address". The customer's telephone number is stored in the "telephone number". The customer's date of birth is stored in the "date of birth". In the "account number", the account number of the account held by the customer is stored. When a customer has a plurality of accounts, a plurality of account numbers may be stored in the "account number".

The condition database 25 stores documents required for inheritance work for each inheritance condition. FIG. 6 is a diagram showing an example of a condition table stored in the condition database in the embodiment. The condition table 251 stored in the condition database 25 is a table that associates the inheritance condition with the inheritance pattern. The condition table 251 associates inheritance conditions including "will", "executor", "split agreement", "trustee", "investment trust" and "amount" with the item of "inheritance pattern".

In the condition table 251, information indicating the presence or absence of a will is stored in the "will". In the example of FIG. 6, "1" is stored when there is a will, and "0" is stored when there is no will. The "executor" stores information indicating whether or not there is an executor who executes the will. In the example of FIG. 6, "1" is stored when there is an executor, and "0" is stored when there is no executor. Information indicating the existence of the heritage division agreement is stored in the "division agreement". In the example of FIG. 6, "1" is stored when there is a heritage division agreement, and "0" is stored when there is no heritage division agreement. The "trustee" stores information indicating whether or not there is a trustee in the heritage division agreement. In the example of FIG. 6, "1" is stored when there is a person in charge of the heritage division agreement, and "0" is stored when there is no person in charge of the heritage division agreement. Information indicating the existence of an investment trust account is stored in the “investment trust”. In the example of FIG. 6, "1" is stored when there is an investment trust account, and "0" is stored when there is no investment trust account. Information indicating the balance of the account is stored in the "amount". In the example of FIG. 6, the balance of the account is stored as "100" for 1 million yen or more, "50" for 100,000 yen or more and less than 1 million yen, and "10" for less than 100,000 yen. In the "inheritance pattern", information that uniquely identifies a combination of "will", "executor", "split agreement", "trustee", "investment trust" and "amount" is stored. The condition table 251 is an example of "condition storage means". The "inheritance pattern" is an example of an "identifier".

FIG. 7 is a diagram showing an example of an inheritance pattern table stored in a condition database in an embodiment. The inheritance pattern table 252 stored in the condition database 25 associates the inheritance pattern with the documents required for the inheritance work. The inheritance pattern table 252 includes items of "inheritance pattern", "inheritance procedure invoice", "identity verification document", "will", "heritage division agreement", "executor full-time trial copy" and "copy". Correspond to each item of "family register".

In the inheritance pattern table 252, the same kind of data as the "inheritance pattern" of the condition table 251 is stored in the "inheritance pattern". Each item of "Inheritance procedure request", "Identity verification document", "Will", "Heritage division agreement", "Executor full-time trial copy" and "Family register" Information indicating whether or not the document indicated by the name is necessary for inheritance work is stored. In the example of FIG. 7, "1" is stored in each item when the document indicated by the item name is required, and "0" is stored in each item when it is not required. For example, in the example of FIG. 7, when the specific account opener death notification form is required, "1" is stored in the item of "specific account opener death notification form", and the specific account opener death notification form is unnecessary. In the case of, "0" is stored in the item of "specific account opener death notification form". The inheritance pattern table 252 is an example of "document storage means".

The account confirmation unit 21 confirms the account indicated by the account number included in the inquiry request received from the reception terminal 10. The account confirmation includes, for example, the account confirmation unit 21 acquiring the balance of the account from the management database 24. The account confirmation unit 21 may further acquire the account type of the account corresponding to the account number received from the reception terminal 10 from the management database 24. Further, the account confirmation unit 21 may acquire the customer ID associated with the account number received from the reception terminal 10 in the management database 24. The account confirmation unit 21 may acquire the account number associated with the acquired customer ID from the management database 24, and acquire the account type of the account corresponding to the account number from the management database 24. The account confirmation unit 21 is an example of the “second acquisition means”.

The account investigation unit 22 conducts an account investigation based on the specific information for identifying the decedent included in the inquiry request received from the reception terminal 10. The account search includes, for example, the account search unit 22 searching the management database 24 based on the specific information and acquiring the account number of the account held by the decedent. When the account investigation unit 22 acquires an account number not included in the inquiry request from the management database 24, the account investigation unit 22 requests the account confirmation unit 21 to acquire the balance of the account corresponding to the account number. The account investigation unit 22 is an example of the “first acquisition means”.

The extraction unit 23 searches the condition database 25 based on various information included in the inquiry request received from the reception terminal 10, the balance of the account acquired by the account confirmation unit 21, and the account number acquired by the account investigation unit 22. , Extract a list of documents required for inheritance affairs. The extraction unit 23 returns the list of extracted documents to the reception terminal 10. The extraction unit 23 is an example of “decision means”.

<Processing flow>
FIG. 8 is a diagram showing an example of a processing flow of the inheritance office work support system according to the embodiment. 9A and 9B are diagrams showing an example of an inheritance confirmation form read by a receiving terminal in this processing flow. In the inheritance confirmation form, FIGS. 9A and 9B are continuous. Hereinafter, an example of the processing flow of the inheritance office work support system 1 according to the embodiment will be described with reference to FIGS. 8, 9A and 9B.

In S1, the heir who visits the bank store fills out the inheritance confirmation form. As illustrated in FIGS. 9A and 9B, the inheritance confirmation form filled out by the heir contains information on the decedent, information on the heir, information on the relatives of the decedent, and the like. The inheritance confirmation form is filled in by hand. The reading unit 11 of the reception terminal 10 uses, for example, AI-OCR to read the information handwritten on the inheritance confirmation form.

When the inheritance confirmation form of the description shown in FIGS. 9A and 9B is submitted by the heir, the reading unit 11 uses the inheritance confirmation form as the address of the decedent, "△△ 1-, XX-ku, Tokyo". "11-101", "Financial Ichizo" as the name, "November 23, 1918" as the date of birth, "January 10, 2019" as the date of death, heir (representative heir) Obtain "13-221, ○ △ Town, □□ City, Kagoshima Prefecture" as the address, "Financial Taro" as the name, and "000-111-1234" as the telephone number. The reading unit 11 further has "yes" as the presence or absence of a will, "yes" as the presence or absence of an executor, "△△ 1-15-222" as the address of the executor, and "savings" as the name. "Daisuke", get "111-222-2345" as a telephone number. The reading unit 11 further acquires "none" as the presence / absence of the heritage division agreement and "none" as the presence / absence of the person in charge. The reading unit 11 further acquires the information of the account number "111111" which is the "ordinary" account as the account information. The reading unit 11 further acquires "none" as the presence or absence of an investment trust account.

The reading unit 11 acquires "Financial Hanako" as the name of the spouse of the decedent, "Death" as the state of the spouse of the decedent, and "October 21, 2011" as the date of death. Similarly, the reading unit 11 also acquires information about the "child" and "grandchild" of the decedent.

In S2, the acquisition unit 12 of the reception terminal 10 transmits an inquiry request including the information acquired by the reading unit 11 from the inheritance confirmation form in S11 to the management server 20.

In S3, the account investigation unit 22 of the management server 20 extracts information indicating the decedent from the inquiry request received from the reception terminal 10. The information indicating the decedent is, for example, the address, name, date of birth, and telephone number of the decedent. The account investigation unit 22 refers to the management table 242 of the management database 24 and obtains an account number that matches the address, name, and date of birth of the decedent. When the management table 242 is illustrated in FIG. 5, the account investigation department 22 has the address of the decedent "△△ 1-11-101, XX-ku, Tokyo", the name "Financial Ichizo", and the date of birth. "111111" and "223311" are acquired from the management table 242 as the account numbers corresponding to "November 23, 1918".

If an account number different from the account number included in the inquiry request is included in the account number acquired from the management table 242, the account investigation unit 22 requests the account confirmation unit 21 to confirm the account indicated by the acquired account number. Here, since the account number "2233311" is not included in the inquiry request, the account investigation unit 22 requests the account confirmation unit 21 to confirm the account also for the account indicated by the account number "2233311".

In S4, the account confirmation unit 21 of the management server 20 extracts the account number of the decedent from the inquiry request received from the reception terminal 10. The account confirmation unit 21 refers to the account table 241 of the management database 24 and acquires the account type and balance of the account indicated by the extracted account number. Here, the account confirmation unit 21 acquires "ordinary" as the account type and "350,000 yen" as the balance of the account indicated by the account number "111111" included in the inquiry request.

When the account confirmation unit 21 is requested to confirm the account by the account investigation unit 22 in S3, the account confirmation unit 21 also refers to the account table 241 and acquires the account type and balance of the account indicated by the requested account number. Here, the account confirmation unit 21 acquires "periodic" as the account type and "2.5 million yen" as the balance of the account indicated by the account number "223311" requested by the account investigation unit 22.

In S5, the extraction unit 23 of the management server 20 refers to the condition database 25 and extracts a list of documents required for inheritance work. The extraction unit 23 extracts from the inquiry request information indicating whether or not there is a will, whether or not there is an executor of the will, whether or not there is a heritage division agreement, whether or not there is a trustee of the inheritance division agreement, and whether or not there is an investment trust account. Further, the extraction unit 23 acquires the total balance of each account acquired in S4. The extraction unit 23 determines the inheritance pattern with reference to the condition table 251 of the condition database 25 based on the information extracted from the inquiry request and the total balance of each account acquired in S4. Here, since the will and testament executor "Yes", the inheritance division agreement and the trustee are "None", the investment trust account is "None", and the amount is "1 million yen or more", the extraction unit 23 Determines the inheritance pattern as "1" with reference to the condition table 251 exemplified in FIG.

The extraction unit 23 refers to the inheritance pattern table 252 of the condition database 25 and acquires a list of documents required for inheritance work in the determined inheritance pattern. Here, since the determined inheritance pattern is "1", the extraction unit 23 refers to the inheritance pattern table 252 exemplified in FIG. 7, and refers to the "inheritance procedure invoice", "will", and "execution". Extract the "copy of the full-time referee's will" and "family register" as the documents required for inheritance affairs. In S6, the extraction unit 23 transmits a list of documents extracted in S5 to the reception terminal 10.

In S7, the output unit 13 of the reception terminal 10 outputs a list of documents received in S6 to, for example, the display of the reception terminal 10. The output unit 13 may output the application documents of each document shown in the list of documents received in S6 to a printer or the like connected to the reception terminal 10.

<Action and effect of the embodiment>
In inheritance work, the required documents differ depending on various inheritance conditions such as the balance of the decedent's account, the existence of a will, and the existence of a heritage division agreement. The inheritance office work support system 1 according to the present embodiment reads the information described in the inheritance confirmation form and refers to the management database 24 and the condition database 25 based on the read information to list the documents required for the inheritance office work. Can be output according to the inheritance conditions. Further, by outputting the application documents of each document shown in the required document list to the printer or the like, the output unit 13 of the reception terminal 10 can hand over the documents necessary for the inheritance work to the heir. ..

In the present embodiment, the account investigation unit 22 of the management server 20 refers to the management table 242 of the management database 24 based on the information of the decedent described in the inheritance confirmation form, and refers to the account held by the decedent. Get the account number of. Therefore, the inheritance office work support system 1 according to the present embodiment can acquire the account number of the decedent even if the account number of the decedent is omitted in the inheritance confirmation form.

In the present embodiment, the reading unit 11 acquires inheritance conditions such as the presence / absence of a will, the presence / absence of an executor, the presence / absence of a heritage division agreement, and the presence / absence of an investment trust account from the information entered in the inheritance confirmation form. .. The extraction unit 23 searches the condition database 25 based on the inheritance condition, and extracts the documents required for the inheritance office work. Therefore, according to the present embodiment, the inheritance office work support system 1 can output a list of documents required for inheritance office work according to the inheritance conditions.

<First modification>
In the embodiment, the account investigation unit 22 obtains an account number matching the address, name, and date of birth of the decedent from the management table 242. However, the Chinese characters used in addresses and names may contain multiple variants. For example, in the Chinese character "Kura" of the decedent's name "Financial Ichizo" in the embodiment, there is a variant character "藏" in addition to "Kura". In the first modification, as in the inheritance office work support system 1a illustrated in FIG. 10, the management server 20a includes a variant character dictionary 26 that associates a plurality of variant characters with each other, and the account investigation unit 22 refers to the variant character dictionary 26. Therefore, even if the information of the decedent is registered in the management database 24 of the management server 20 in a variant character different from the Chinese character described in the inheritance confirmation form, it is possible to suppress the omission of the search.

<Second modification>
In the embodiment, the reception terminal 10 reads the inheritance confirmation form entered by the heir at the bank store, so that the inheritance confirmation form is accepted. However, the inheritance confirmation form may be accepted by a method other than the embodiment. In the second modification, a variation of the method of accepting the inheritance confirmation form will be described.

FIG. 11 is a diagram illustrating variations in the method of accepting the inheritance confirmation form in the second modification. For example, as illustrated in FIG. 11A, the bank employee receives the inheritance confirmation form filled out by the heir at the store. The bank employee mails the received inheritance confirmation form to the paperwork center. In the paperwork center, the reception terminal 10 installed in the paperwork center reads the inheritance confirmation form and transmits the read information to the management server 20. Further, as illustrated in FIG. 11B, the reception terminal 10 installed in the store scans the inheritance confirmation form and transmits the scanned image data to the management server 20. The management server 20 acquires the information entered in the inheritance confirmation form from the scan data by, for example, character recognition processing such as AI-OCR. Further, for example, as illustrated in FIG. 11C, the employee who answered the telephone call from the heir may fill out the inheritance confirmation form. Further, for example, as illustrated in FIG. 11D, in addition to the inheritance confirmation form, account information (information such as an account number) of another bank may be accepted at the store.

The entry of the inheritance confirmation form is not limited to that by the heir, and may be completed by an agent. Examples of the agent include a trust bank, an agency service company, a lawyer, and the like.

<Third modification example>
In the embodiment, a list of documents required for inheritance work at a single bank was output. In the third modification, a configuration for outputting a list of documents required for inheritance work at a plurality of banks will be described.

FIG. 12 is a diagram showing an example of a processing block of the inheritance office work support system according to the third modification. The inheritance office work support system 1b according to the third modification is different from the inheritance office work support system 1 according to the embodiment in that the management server 20b has an inquiry unit 27.

When the inheritance confirmation form contains the account information of another bank, the inquiry unit 27 requests the management server (not shown) that manages the account of the other bank to confirm the account. In the third modification, it is assumed that the inheritance confirmation form is provided with a column for entering the account information of another bank.

FIG. 13 is a diagram illustrating cooperation with other banks in the third modification. In FIG. 13, Bank A is exemplified as another bank. As illustrated in FIG. 13 (A), when the account information of Bank A is entered in the inheritance confirmation form (that is, when the inquiry request from the reception terminal 10 includes the account information of Bank A). The inquiry unit 27 of the management server 20b transmits the account information and the information of the decedent to the management server of the bank A and executes an inquiry. When the management server of Bank A receives an inquiry, it creates a list of documents required for inheritance work based on the received information. The created document list may be mailed to the heir, or may be notified to the management server 20b of the paperwork center. The management server 20b that has received the notification may send the notification to the reception terminal 10 including the list of required documents notified by the bank A.

The condition database 25 of the management server 20b may also store a list of documents required for inheritance work at Bank A. In this case, as shown in FIG. 13B, when the management server 20b confirms the account with the management server of the bank A and receives the confirmation result from the management server of the bank A, the management server 20b self-banks based on the received confirmation result. And Bank A create and output a list of documents required for inheritance work.

When the management server 20b can access the management database and the condition database owned by the management server of the bank A, the account confirmation unit 21 and the account investigation unit 22 of the management server 20b directly operate the bank A as illustrated in FIG. 13 (B). By accessing the management database and the condition database connected to the management server of Bank A, the decedent may confirm the account held at Bank A and conduct an account survey.

<Other variants>
The condition table 251 is not limited to the inheritance conditions listed in the embodiment, and other inheritance conditions may be stored as items. Other inheritance conditions include, for example, whether or not they hold government bonds, the value of government bonds they hold, whether or not they hold shares, the value of shares they hold, whether they hold real estate, the value of real estate they hold, and relatives. Heir information (information indicating whether the heir is a minor, information indicating whether a relative has died, information indicating the number of heirs, etc.) can be mentioned. Further, the condition table 251 may include information indicating whether or not the account held is taxable as an inheritance condition. Further, the account number of the heir may be entered in the inheritance confirmation form, and the reception terminal 10 may confirm whether or not the deposit limit is exceeded in the heir's account when the inheritance is executed. Further, information such as the borrowing status of the decedent may be described in the inheritance confirmation form, and the reception terminal 10 may confirm whether or not the inheritance procedure is possible.

The reception terminal 10 may receive information indicating a list of documents submitted by the heir. In this case, the reception terminal 10 collates the list of documents received from the management server 20 with the list of documents submitted by the heir, and the list of documents received from the management server 20 is not submitted by the heir. You may output a list of documents.

In the embodiment and the modification, the reception terminal 10 reads the inheritance confirmation form and extracts a list of documents required for inheritance work based on the information read by the management server 20, but the reception terminal 10 or the management server 20 Either may perform both processes of reading the inheritance confirmation form and extracting the list of documents required for inheritance work.

In the account table 241 of the management database 24, an item of "account status" indicating whether or not the account can be refunded may be further stored. The extraction unit 23 may not determine the documents required for inheritance work for the account whose "account status" indicates "payment suspension" in the account table 241. When the "account status" becomes "payment suspension", for example, when the police or other organization applies for payment suspension because the account may have been used for a crime, or the heirs dispute. If there is, etc. can be mentioned. In the case of "payment suspension", the inheritance procedure for the account cannot be performed until the "payment suspension" is canceled. According to such a modification, it is suppressed to determine the documents required for inheritance work even for the account that cannot carry out the inheritance procedure.

The embodiments and modifications disclosed above can be combined with each other.

<< Computer-readable recording medium >>
An information processing program that realizes any of the above functions in a computer or other machine or device (hereinafter referred to as a computer or the like) can be recorded on a recording medium that can be read by a computer or the like. Then, by having a computer or the like read and execute the program of this recording medium, the function can be provided.

Here, a recording medium that can be read by a computer or the like is a recording medium that can store information such as data and programs by electrical, magnetic, optical, mechanical, or chemical action and can be read from a computer or the like. To say. Among such recording media, those that can be removed from a computer or the like include, for example, a flexible disc, an optical magnetic disc, a Compact Disc Read Only Memory (CD-ROM), a Compact Disc-Recordable (CD-R), and a Compact Disc-ReWriterable. (CD-RW), Digital Versaille Disc (DVD), Blu-ray Disc (BD), Digital Audio Tape (DAT), 8 mm tape, memory cards such as flash memory and the like. In addition, there are hard disks, ROMs, and the like as recording media fixed to computers and the like.

1, 1a, 1b ... Inheritance office work support system 10 ... Reception terminal 11 ... Reading unit 12 ... Acquisition unit 13 ... Output unit 20, 20a, 20b ... Management server 21 ... Account confirmation department 22 ... Account investigation department 23 ... Extraction department 24 ... Management database 241 ... Account table 242 ... Management table 25 ... Condition database 251 ... Condition table 252 ... Inheritance pattern table

Claims (9)

Based on the information read from the form on which the information related to inheritance is entered, the first acquisition means to acquire the account number indicating the account held by the decedent, and
From the account storage means that stores the account information related to the account in association with the account number, the second acquisition means that acquires the account information associated with the acquired account number, and
A determination means for determining documents to be used for the inheritance procedure from the decedent based on the account information acquired by the second acquisition means.
It is equipped with an output means for outputting a list of determined documents.
Inheritance office work support system. The first acquisition means acquires inheritance conditions including at least one of the presence / absence of a will, the presence / absence of an executor, the presence / absence of a heritage division agreement, and heir information from the form.
The determination means determines a document to be used for the inheritance procedure from the decedent based on the inheritance condition acquired by the first acquisition means and the account information acquired by the second acquisition means.
The inheritance office work support system according to claim 1. The determination means is
The inheritance condition acquired by the first acquisition means and the said The identifier associated with the combination with the account information acquired by the second acquisition means is acquired, and the identifier is acquired.
From the document storage means for storing the identifier and the document used for the inheritance procedure in association with each other, the document used for the inheritance procedure associated with the acquired identifier is acquired.
The inheritance office work support system according to claim 2. The account information includes at least one of the balance, type and tax classification of the account associated with the account number.
The inheritance office work support system according to any one of claims 1 to 3. The first acquisition means further acquires the decedent information indicating the decedent from the information entered in the form, and based on the decedent information, the account held by the decedent is opened. Identify and get the account number of the identified account,
The inheritance office work support system according to any one of claims 1 to 4. The output means outputs the determined document together with the determined list of the documents.
The inheritance office work support system according to any one of claims 1 to 5. The output means outputs a list of unsubmitted documents from the list of documents used for the inheritance procedure from the decedent.
The inheritance office work support system according to any one of claims 1 to 6. The computer
Based on the information read from the form on which the information related to the inheritance is entered, obtain the account number indicating the account held by the decedent, and obtain the account number.
Acquire the account information associated with the acquired account number from the account storage means that stores the account information related to the account in association with the account number.
Based on the acquired account information, determine the documents to be used for the inheritance procedure from the decedent.
Output the list of the determined documents,
Inheritance office work support method. On the computer
Based on the information read from the form on which the information related to the inheritance is entered, the account number indicating the account held by the decedent is obtained.
The account information associated with the acquired account number is acquired from the account storage means that stores the account information related to the account in association with the account number.
Based on the acquired account information, determine the documents to be used for the inheritance procedure from the decedent.
Output the list of the determined documents,
Inheritance office work support program.

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