Information processing system and program

Abstract

To provide a card issuance application system capable of improving the performance of issuing credit cards to people who are qualified to hold credit cards. [Solution] A card issuance application system 1 allows an applicant to apply for the issuance of a credit card from a terminal connected via a network. The system includes a basic information acquisition unit 21 that prompts an applicant terminal 4 to input basic information for screening, a first screening instruction unit 23 that instructs the implementation of a first screening based on the basic information, and an additional information acquisition unit 24 that prompts the applicant terminal to input additional information when the result of the first screening indicates that a rescreening is required.

Description

[Technical field]

[0001] The present invention relates to an information processing system and a program for allowing a user to apply for a credit card from a terminal connected via a network. [Background technology]

[0002] When applying for a credit card or taking out a loan from a financial institution, the user is required to input information necessary for screening. Patent Document 1 discloses an information processing device for simplifying loan applications.

[0003] In Patent Document 1, focusing on the fact that application information often contains information unnecessary for loan screening, the application process is simplified so as not to force users to input information unnecessary for screening, and an estimation unit estimates the applicant's repayment ability from limited information.

[0004] When applying for a credit card or loan, the user is required to enter roughly the same number of uniform application items, and even if the application information can be simplified as in Patent Document 1, it is still uniform. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] JP 2022-144347 A Summary of the Invention [Problem to be solved by the invention]

[0006] However, while some applicants may be willing to enter only a small amount of information in order to have a credit card issued, others may be willing to have a credit card issued if they provide additional information. Therefore, if applicants are required to enter many items uniformly, they may miss out on the opportunity to have a credit card issued.

[0007] SUMMARY OF THE PRESENT EMBODIMENT An object of the present invention is to provide a card issuance application system that can improve the performance of issuing credit cards to those who are qualified to hold credit cards. [Means for solving the problem]

[0008] The information processing system of the present invention is a system for allowing a user to apply for issuance of a credit card from a terminal connected via a network, and comprises a first means for acquiring basic information, which is the minimum necessary information among the application information used in the screening process to determine whether the credit card can be issued, from the terminal, and processing to conduct a first screening, which is the first stage of the screening, using the basic information; a second means for acquiring additional information among the application information that is different from the basic information from the terminal, and processing to conduct a second screening, which is the second stage of the screening, using the additional information, if it is determined that the credit card can be issued based on the first screening alone; and a third means for notifying the terminal that the credit card will be issued, without requiring the acquisition of the additional information and the second screening, if it is determined that the credit card can be issued based on the first screening alone. The card issuance application system of the embodiment is a card issuance application system for allowing a user to apply for a credit card from a terminal connected via a network, and is characterized in that it includes a basic information acquisition unit that prompts the terminal to input basic information for screening, a first screening instruction unit that instructs the implementation of a first screening based on the basic information, and an additional information acquisition unit that prompts the terminal to input additional information when the judgment result of the first screening requires a rescreening.

[0009] Here, the additional information may be provided in multiple stages depending on the judgment result of the first review, and the configuration may include a continuation review instruction unit that acquires the additional information and instructs transition to the re-examination.

[0010] The system may also be configured to include an issuance information acquisition unit that prompts the terminal to input card issuance information for card issuance. Furthermore, the system may also be configured to include an issuance notification unit that issues a notification of issuance of a credit card based on the card issuance information when the result of the first screening indicates that rescreening is unnecessary.

[0011] The issuance information acquisition unit may be configured to receive the card issuance information after transmitting a notification based on the result of the first screening to the terminal. Furthermore, the issuance information acquisition unit may be configured to include a cancellation processing unit that cancels the application if an interruption occurs due to the card issuance information not being received. Effect of the Invention

[0012] The card issuance application system of the present invention, configured in this manner, divides the acquisition of information for the review of credit card issuance into multiple stages, and is equipped with a first review instruction unit that first conducts a first review using only basic information.

[0013] Therefore, applicants who can be issued with a credit card by entering only the minimum basic information such as legal items do not need to input extra application information, and the number of credit cards issued to those who are eligible to hold a credit card can be improved.

[0014] In addition, even for people who require continued screening using additional information in addition to basic information, the burden of entering additional information can be reduced for some people by preparing multiple levels of additional information depending on the results of the first screening.

[0015] In addition, if the result of the first screening indicates that no re-screening is necessary, and a notification of the issuance of a credit card is sent by the issuance notification section based on the card issuance information, the applicant who sees the notification can know in a short time that a credit card is scheduled to be issued.

[0016] Furthermore, if the issuance information acquisition unit receives card issuance information after sending a notification based on the results of the first screening to the terminal, the applicant only needs to input the card issuance information during the first screening process and does not need to worry about the screening time for the first screening process.

[0017] In addition, if a cancellation processing unit is provided for canceling the application when an interruption occurs due to failure to receive card issuing information, the applicant can recognize that the application has been cancelled even after transmitting the basic information. [Brief description of the drawings]

[0018] [Figure 1] 1 is a block diagram illustrating the configuration of a card issuance application system according to an embodiment of the present invention. [Diagram 2] 2 is an explanatory diagram outlining the processing flow of the card issuance application system of the present embodiment. [Diagram 3] FIG. 11 is an explanatory diagram illustrating basic information. [Figure 4] FIG. 11 is an explanatory diagram illustrating an example of card issuing information. [Diagram 5] 13 is an explanatory diagram illustrating additional information A. [Figure 6] 13 is an explanatory diagram illustrating additional information B. FIG. [Figure 7] FIG. 11 is an explanatory diagram illustrating a credit card issuance notification. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0019] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. Fig. 1 is a block diagram for explaining the configuration of a card issuance application system 1 according to the present embodiment, and Fig. 2 is an explanatory diagram showing an outline of the flow of processing in the card issuance application system according to the present embodiment.

[0020] A card issuance application system 1 of this embodiment realizes an application for issuance of a credit card by computers (2, 3, 4) connected via a network NW, as shown in FIG.

[0021] The network NW is composed of some or all of the Internet, a wide area network (WAN), a wired local area network (LAN), a wireless LAN (Wi-Fi), a provider device, a wireless base station, a dedicated line, and the like.

[0022] A computer includes a processing unit, an input device, a storage unit, a display device, etc., either integrated or separate, depending on the required functions. The processing unit is composed of a CPU (Central Processing Unit) and an MPU (Micro-processing unit) as hardware, and includes memories such as RAM (Random Access Memory) and ROM (Read Only Memory).

[0023] The input device may be a keyboard, mouse, touchpad, touch panel, scanner, microphone for voice input, etc. The display device may be a liquid crystal display, an organic EL (Electro-Luminescence) display, etc.

[0024] The storage unit is a storage medium that records data generated by processing in the arithmetic processing unit and data required for arithmetic processing, and includes hard disks, solid-state drives (SSDs), flash memories (such as SD memory cards), magnetic disks, optical disks, etc. A cloud server can also be used as the storage unit.

[0025] The card issuance application system 1 described in this embodiment is a system in which an application for a credit card is made by connecting an applicant terminal 4, which is a terminal used by an applicant who wishes to issue a credit card, and an application server 2 in a client-server type system configuration.

[0026] The card issuance application system 1 also cooperates with an examination server 3 that examines whether or not to issue a credit card. The examination server 3 can be executed on a computer separate from the application server 2, or on the same computer, and either configuration is acceptable.

[0027] The examination server 3 examines whether or not to permit the issuance of a credit card based on the application information sent from the application server 2. The database used for this examination may be a proprietary database, or an external database operated by a third party may be used.

[0028] The application server 2 of the card issuance application system 1 of this embodiment is located between the applicant terminal 4 and the examination server 3, and improves the convenience of the application when issuing a credit card.

[0029] As shown in Figure 1, the application server 2 includes a basic information acquisition unit 21, an issuance information acquisition unit 22, a first review instruction unit 23, an additional information acquisition unit 24, a continued review instruction unit 25, an issuance notification unit 26, and a cancellation processing unit 27.

[0030] In addition, data generated by the processing in the application server 2 and data required for calculation processing are stored in a storage unit 201 connected to the application server 2. The storage unit 201 can also use an external online storage (cloud storage) such as a server connected via a network NW.

[0031] The basic information acquisition unit 21 prompts the applicant terminal 4 to input basic information for screening. That is, the basic information acquisition unit 21 displays a basic information input screen on the monitor 41 of the applicant terminal 4 that has accessed the web page published by the card issuance application system 1.

[0032] The basic information is the minimum application information required to screen the issuance of a credit card. Figure 3 is an explanatory diagram showing an example of basic information. For example, the basic information may be information that is stipulated as a legal item, such as name, date of birth, postal code, and contact phone number, or information that is stipulated by the business operator that operates the card issuance application system 1. The fewer the number of items in this basic information, the lighter the burden of inputting information will be on the applicant.

[0033] The issuance information acquisition unit 22 prompts the applicant terminal 4 to input card issuance information for card issuance. That is, the issuance information acquisition unit 22 causes the monitor 41 of the applicant terminal 4 to display an input screen for card issuance information.

[0034] 4 is an explanatory diagram illustrating an example of card issuing information. Card issuing information is information other than the information required for screening to issue a credit card, such as the purpose of using the credit card, the name to be engraved on the card, and a PIN number.

[0035] The first examination instruction unit 23 instructs the examination server 3 to carry out the first examination based on the basic information transmitted from the applicant terminal 4. That is, the first examination is carried out in the examination server 3 based on only the basic information.

[0036] Based on the judgment result of the first screening, the additional information acquisition unit 24 prompts the applicant terminal 4 to input additional information. That is, the additional information acquisition unit 24 causes the monitor 41 of the applicant terminal 4 to display an input screen for additional information.

[0037] 5 and 6 are explanatory diagrams showing examples of additional information. For example, two levels of additional information are prepared, and the input screen displayed on the monitor 41 of the applicant terminal 4 differs depending on the result of the first screening.

[0038] The additional information A shown in Figure 5 is application information items that are generally required when applying for a credit card, such as years of residence and type of residence. In other words, the basic information plus additional information A is the application information that was previously required when applying for a credit card. For people who are approved for a credit card after only the first screening based on the basic information, input of additional information A can be omitted.

[0039] The additional information B shown in Figure 6 is an additional information item A that adds items such as annual household income and type of insurance card to enable more detailed screening. For example, for people who were not approved for issuance based on the previous uniform application information alone, the entry of additional information B leaves open the possibility of a credit card being issued.

[0040] The continuous examination instruction unit 25 acquires the additional information and instructs to move to a reexamination based on the additional information A or the additional information B. When the reexamination is to be performed on the examination server 3, the continuous examination instruction unit 25 issues an instruction to the examination server 3 to carry out the reexamination. When the examination is to be continued on a server other than the examination server 3, a request for continuous examination is sent together with the additional information A and B to the relevant departments for examination.

[0041] The issuance notification unit 26 issues a notification of the issuance of a credit card based on the card issuance information. That is, for applicant terminals 4 for which the first screening has given permission for the issuance of a credit card and the input of additional information is not required, a message is displayed on the monitor 41 indicating that a credit card is to be issued. Fig. 7 is an explanatory diagram showing an example of a credit card issuance notification displayed on the monitor 41 of the applicant terminal 4. In addition to a statement informing the applicant that the credit card is ready to be issued, the notification also includes the available credit limit to be set, etc.

[0042] Cancellation processing unit 27 performs processing to cancel the application when an interruption occurs due to failure to receive card issuance information at application server 2. For example, even if basic information has been received from applicant terminal 4, if card issuance information has not been received, the card cannot be issued even if approval for issuance of a credit card is granted through screening. Therefore, the application is temporarily canceled and applicant terminal 4 is notified that the application has been canceled.

[0043] Next, the flow of processing in the card issuance application system 1 of this embodiment will be described with reference to FIG. An applicant who wishes to apply for a credit card operates applicant terminal 4 to access the WEB membership page set up by card issuance application system 1 and begin the application process. First, the applicant is asked to agree to various terms and conditions for membership, and then operates applicant terminal 4 to indicate his / her agreement and proceed with the procedure.

[0044] In step S1, basic information (see FIG. 3) is entered into the input screen displayed on the monitor 41 of the applicant terminal 4 by the basic information acquisition unit 21 of the application server 2, and the entered basic information is transmitted to the application server 2.

[0045] In step S2, the basic information received from the applicant terminal 4 is sent to the examination server 3 by the first examination instruction unit 23 of the application server 2, and is accepted as a first examination request by the examination server 3 (step S3). The first examination is an examination that determines whether or not a credit card can be issued based on only the basic information.

[0046] An input screen for card issuance information is displayed on monitor 41 of applicant terminal 4 that has sent the basic information by issuance information acquisition unit 22, and the applicant operates applicant terminal 4 to input card issuance information (see FIG. 4) (step S4). While this card issuance information is being input, a first screening is being performed in screening server 3. However, since the first screening is performed in about 30 seconds, for example, the applicant who is inputting the card issuance information does not have to wait for the screening.

[0047] When the judgment result of the first screening is issued, the screening server 3 transmits the judgment result to the application server 2 (step S5), and the application server 2, having received the judgment result of the first screening, transmits the judgment result to the applicant terminal 4 (step S6). This judgment result can be an "screening completion judgment" which indicates that the screening was completed with only the first screening, or a "continued screening judgment" which indicates that a rescreening is required.

[0048] The applicant terminal 4 that received the judgment result in step S7 will carry out two different processes depending on the judgment result. First, the applicant terminal 4 that received the "examination completion judgment" is in a state where it can send card issuance information, so it sends the card issuance information and completes the application (step S81).

[0049] For those who complete the application process after only the first screening, the screening will be completed with only the minimum basic information they entered initially, and they will be able to complete their credit card application by entering fewer items than before.

[0050] The application server 2 that has received the card issuance information transmits the card issuance information to the examination server 3 or another management server in order to register the application as a settlement result (step S811). On the monitor 41 of the applicant terminal 4 where the application has been completed, a notification (see FIG. 7) that the application has been completed and a credit card will be issued is displayed by the issuance notification unit 26.

[0051] On the other hand, on the monitor 41 of the applicant terminal 4 that has received the judgment result of the "continuation screening judgment", two different additional information input screens are displayed by the additional information acquisition unit 24 based on the content of the judgment result. That is, there are two types of judgment results of the continuation screening judgment: one is a judgment result that requires the input of additional information A as shown in Fig. 5, and the other is a judgment result that requires the input of additional information B as shown in Fig. 6.

[0052] Those who require rescreening using additional information A are those who need to be screened using the same number of application information items as before. On the other hand, those who require rescreening using additional information B are those who need to be screened more thoroughly using application information with a greater number of application information items than before. The applicant enters the requested additional information (A, B) according to the input screen displayed on monitor 41 (step S82).

[0053] Re-examination is a continuing examination that may take time and may not be completed while connected to the applicant terminal 4, so the card issuance information and additional information (A, B) are sent in order to complete the application. At this time, a message such as "Thank you for your application" is displayed on the monitor 41 of the applicant terminal 4, simply notifying the user that the application has been completed (step S83).

[0054] The continuous screening instruction unit 25 of the application server 2, which receives the card issuance information and additional information (A, B), sends the card issuance information to the screening server 3 (step S831) and also sends the additional information (A, B) (step S832).

[0055] The examination server 3 that has received the card issuing information and the additional information (A, B) accepts it as a reexamination request (step S9), and then performs a reexamination decision and registers it as a decision result (step S10).

[0056] 2, after the basic information is sent from the applicant terminal 4 to the application server 2, the applicant terminal 4 may disconnect for some reason and interrupt the application. In that case, if the application server 2 has not received the card issuance information, the cancellation processing unit 27 cancels the application itself and the applicant terminal 4 is notified of this by email or the like.

[0057] Next, the operation of the card issuance application system 1 according to this embodiment will be described. The card issuance application system 1 of this embodiment, which is configured as described above, divides the acquisition of information for the review of credit card issuance into multiple stages, and is equipped with a first review instruction unit 23 that first conducts the first review using only basic information.

[0058] Therefore, applicants who can be issued with a credit card by entering only the minimum basic information such as legal items do not need to input extra application information, and the number of credit cards issued to those who are eligible to hold a credit card can be improved.

[0059] Also, even for those who require continued screening with additional information in addition to basic information, the burden of inputting additional information can be reduced for some people by preparing multiple levels (for example, two levels) of additional information (A, B) depending on the results of the first screening. As a result, it becomes possible to prevent people from abandoning their applications due to the hassle of inputting information.

[0060] On the other hand, even for those who are required to enter more items than the conventional application information, such as additional information B, the possibility of a credit card being issued increases, which can increase the number of credit card users.

[0061] Furthermore, if the issuance notification unit 26 notifies an applicant who has been approved for issuance of a credit card in the first screening process that a credit card has been issued based on the card issuance information that the applicant has entered, the applicant who sees the notification can quickly find out that a credit card is scheduled to be issued, and can also use this information in planning his or her usage.

[0062] Furthermore, if the issuance information acquisition unit 22 receives the card issuance information after sending a notification based on the judgment result of the first screening to the applicant terminal 4, the applicant only needs to input the card issuance information during the first screening and does not need to worry about the screening time of the first screening.

[0063] If a cancellation processing unit 27 is provided for canceling the application when the card issuing information is not received and an interruption occurs, the applicant can recognize that the application has been cancelled by a cancellation notice from the cancellation processing unit 27 even after sending the basic information.

[0064] Although an embodiment of the present invention has been described in detail above with reference to the drawings, the specific configuration is not limited to this embodiment, and design changes that do not deviate from the gist of the present invention are included in the present invention.

[0065] For example, in the above embodiment, a card issuance application system 1 including an examination server 3 was described, but this is not limited to this, and the card issuance application system 1 can also be configured with only the application server 2.

[0066] In addition, in the above embodiment, a case has been described in which two levels of additional information (A, B) are prepared, but this is not limited to this, and the additional information may be in one level or three or more levels, and can be set arbitrarily depending on the number of judgment results of the first screening.

[0067] Furthermore, in the above embodiment, a card issuance system equipped with an issuance information acquisition unit 22 and an issuance notification unit 26 has been described, but this is not limited to this, and acquisition of card issuance information and notification of credit card issuance can also be performed by other means. [Explanation of symbols]

[0068] 1: Card issuance application system 2: Application server 21:Basic information acquisition section 22: Issue information acquisition unit 23: First Examination Instruction Division 24:Additional information acquisition department 25: Continuation Review Instructions Division 26: Issue Notification Section 27: Cancellation processing section 201: Storage section 3: Review server 4: Applicant terminal (terminal) 41: Monitor NW:Network

Claims

1. An information processing system for allowing a user to apply for a credit card from a terminal connected via a network, comprising: a first means for acquiring basic information, which is the minimum necessary information among application information used in a review to determine whether or not the credit card can be issued, from the terminal, and processing the first review, which is the first stage of the review, using the basic information; a second means for acquiring additional information from the terminal that is different from the basic information among the application information and performing a second screening, which is a second stage of the screening, using the additional information if it is not determined that the credit card can be issued based on the first screening alone; and a third means for notifying the terminal that the credit card will be issued, without requiring acquisition of the additional information and the second examination, when it is determined that the credit card can be issued based on the first examination alone. Information processing system.

2. The second means determines the additional information to be acquired from a plurality of levels of additional information prepared in advance according to a result of the first examination. The information processing system according to claim 1 .

3. The second means is When the judgment result of the first screening indicates that it is not necessary to conduct a detailed second screening, first additional information is acquired from the terminal as the additional information; When the judgment result of the first screening indicates that a detailed second screening is necessary, second additional information having a larger number of items than the first additional information is acquired from the terminal as the additional information. The information processing system according to claim 2 .

4. the first means, when it is determined that the credit card can be issued based on only the first examination, completes the application for issuance of the credit card by obtaining from the terminal card issuance information that is information required for issuance of the credit card and that differs from information for the examination; The second means, when it is not determined that the credit card can be issued based on the first examination alone, completes the application for issuance of the credit card by acquiring the additional information and the card issuance information from the terminal. The information processing system according to any one of claims 1 to 3.

5. An information processing system for allowing a user to apply for a credit card from a terminal connected via a network, a step of acquiring basic information, which is the minimum necessary information among the application information used in the screening to determine whether or not the credit card can be issued, from the terminal, and performing a first screening, which is the first stage of the screening, using the basic information; If it is not determined that the credit card can be issued based on the first screening alone, additional information different from the basic information among the application information is obtained from the terminal, and a second screening, which is a second stage of the screening, is performed using the additional information. and if it is determined that the credit card can be issued based on only the first examination, a step of notifying the terminal that the credit card will be issued without the need to obtain the additional information and the second examination is executed. program.

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