Information processing method, information processing system, store terminal, and administrative server

Abstract

To smoothly perform credit examination of a product or service purchase applicant and his or her guarantor even when the purchase applicant or his or her guarantor can select an input method for inputting information necessary for the credit examination by his or her own terminal.SOLUTION: An information processing method includes steps of: setting an input method for identity information on a product or service purchase applicant and guarantor information on his or her guarantor; acquiring the identity information inputted by a user terminal 20A of the purchase applicant, by an administrative server 30 according to the set input method; notifying a store terminal 10 that guarantor information is necessary, from the administrative server 30; after the notification, acquiring the guarantor information inputted by a user terminal 20B of the guarantor, by the administrative server 30 according to the set input method; and transmitting information on the product or service, the identity information, and the guarantor information to an examination server 40 in association with each other.SELECTED DRAWING: Figure 11

Description

[Technical field]

[0001] The present invention relates to an information processing method, an information processing system, a store terminal, and a management server. [Background technology]

[0002] There is known a technique for applying for a loan over a network such as the Internet (for example, see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6733797 Summary of the Invention [Problem to be solved by the invention]

[0004] Since different users have different preferred input methods for loan application information, it is convenient to be able to select from various input methods according to the user's needs. However, particularly in the case of a loan application requiring a guarantor, if an input method is selected in which the applicant and guarantor input the loan application information on their own terminals without visiting the dealer, the dealer may not be aware that the input of information required for the applicant's credit screening has been completed and the input of information required for the guarantor's credit screening is required. In this case, there is a problem that the input of information required for the guarantor's credit screening is delayed, making it difficult to smoothly proceed with the credit screening of the applicant and guarantor.

[0005] To smoothly conduct credit examinations of prospective purchasers of goods or services and guarantors, even when the prospective purchasers or guarantors can select an input method for inputting information required for credit examination on their own terminals. [Means for solving the problem]

[0006] One aspect of the present invention provides an information processing method comprising the steps of: specifying an input method for personal information, which is information about a person wishing to purchase a product or service, and guarantor information, which is information about the guarantor of the purchaser; a management server acquiring the personal information inputted at a store terminal managed by the provider of the product or service or at the terminal of the purchaser in accordance with the set input method; the store terminal receiving a notification that the guarantor information is required; after the notification, the management server acquiring the guarantor information inputted at the store terminal or the guarantor's terminal in accordance with the set input method; and correlating the information about the product or service, the personal information, and the guarantor information, and transmitting them to an examination server which performs a credit examination of the purchaser.

[0007] The input method is a method in which at least a portion of the personal information and guarantor information is input or approved at the terminal of the intended purchaser and the terminal of the guarantor, respectively, and the information processing method may further include a step in which the store terminal transmits a request for input of at least a portion of the personal information or approval of the information input at the store terminal to the terminal of the intended purchaser, and transmits a request for input of at least a portion of the guarantor information or approval of the information input at the store terminal to the terminal of the guarantor.

[0008] The information processing method may further include a step in which the store terminal receives the results of an examination on the ability to pay for the goods or services from the examination server, and a step in which the store terminal displays information indicating the progress of the examination of the personal information and the progress of the examination of the guarantor information.

[0009] The information processing method may further include the steps of: the store terminal receiving from the screening server a notice of a provisional decision on the ability to pay for the product or service; the store terminal storing the product or service information, the customer information, and the guarantor information related to the notice of provisional decision; the store terminal, after receiving the notice of provisional decision, accepting corrections to the product or service information related to the notice of provisional decision; the management server acquiring the corrected customer information or corrected guarantor information inputted at the store terminal, the prospective purchaser's terminal, or the guarantor's terminal in accordance with the set input method; and the management server associating the corrected product or service information, the corrected customer information, and the corrected guarantor information and transmitting them to the screening server.

[0010] Another aspect of the present invention is a system that includes at least one of a store terminal managed by a provider of a product or service, a terminal of a person who wishes to purchase the product or service, and a terminal of a guarantor of the person who wishes to purchase the product or service, and a management server, the store terminal having a means for designating an input method for personal information which is information about the person who wishes to purchase the product or service, and guarantor information which is information about the guarantor, the management server having a means for acquiring the personal information inputted at the store terminal or the terminal of the person who wishes to purchase the product according to the input method that has been set, a means for notifying the store terminal that the guarantor information is required, and a means for updating the set input method after the notification. An information processing system is provided which has a means for acquiring the guarantor information inputted at the store terminal or the guarantor terminal in accordance with an input method, and a means for matching information on the product or service, the customer information and the guarantor information, and transmitting them to an examination server which performs a credit examination of the intended purchaser, wherein the store terminal or the terminal of the intended purchaser has a means for transmitting the customer information inputted in accordance with the set input method to the management server, and the store terminal or the guarantor terminal has a means for transmitting the guarantor information inputted in accordance with the set input method to the management server after the notification.

[0011] Yet another aspect of the present invention provides a store terminal which comprises means for designating an input method for personal information, which is information about a person wishing to purchase a product or service, and guarantor information, which is information about the guarantor of the purchaser, and means for receiving a notification from a management server that the guarantor information is required, wherein the personal information is input at the store terminal or at the terminal of the purchaser in accordance with the set input method, and upon acquiring the personal information input at the management server or at the terminal of the purchaser, the management server gives the notification, and after the notification, the guarantor information is input at the store terminal or at the terminal of the guarantor in accordance with the set input method.

[0012] Yet another aspect of the present invention provides a management server comprising: means for acquiring personal information, which is information about the intended purchaser, entered into a store terminal or a terminal of the intended purchaser of the product or service, in accordance with an input method set in a store terminal managed by a provider of the product or service; means for notifying the store terminal that guarantor information, which is information about the guarantor of the intended purchaser, is required; means for acquiring the guarantor information entered into the store terminal or the guarantor's terminal after the notification, in accordance with the input method set in the store terminal; and means for associating the product or service information, the personal information, and the guarantor information, and transmitting them to an examination server which performs credit examination of the intended purchaser. Effect of the Invention

[0013] According to the present invention, even if the person wishing to purchase a product or service or the guarantor can choose the input method for inputting the information required for credit screening on their own terminal, credit screening of the person wishing to purchase the product or service and the guarantor can be carried out smoothly. [Brief description of the drawings]

[0014] [Figure 1] FIG. 1 is a diagram illustrating a configuration of an application system according to an embodiment. [Diagram 2] FIG. 2 is a diagram illustrating a configuration of a store terminal. [Diagram 3] FIG. 13 is a diagram illustrating a status DB. [Figure 4] FIG. 2 is a diagram illustrating a configuration of a user terminal. [Diagram 5] FIG. 2 is a diagram illustrating an example of the configuration of a management server. [Figure 6] 4 is a sequence chart illustrating a provisional application process for an auto loan. [Figure 6A] 13 is a sequence chart illustrating a provisional application process for an auto loan (when information is entered at a store terminal). [Figure 6B] 1 is a sequence chart illustrating a provisional application process for an auto loan (when information is input via a user terminal). [Figure 7] 4 is a sequence chart illustrating a provisional application process for an auto loan. [Figure 8] FIG. 13 is a diagram illustrating an example of a screen for applying for an auto loan. [Figure 9] FIG. 13 is a diagram illustrating an example of a screen for applying for an auto loan. [Figure 10] FIG. 13 is a diagram illustrating an example of a screen for applying for an auto loan. [Figure 11] 4 is a sequence chart illustrating a main application process for an auto loan. [Figure 12] FIG. 13 is a diagram illustrating an example of a screen for applying for an auto loan. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0015] 1. Configuration FIG. 1 is a diagram illustrating the configuration of an application system 1 according to an embodiment. The application system 1 is a system for applying for a loan used when purchasing a car (a so-called auto loan) over a network 2 such as the Internet. The application system 1 supports applications for various auto loan products such as residual value-based auto loans in addition to normal auto loans. When inputting application information required for an auto loan application, the application system 1 allows the user to select from various input methods, such as a method in which the user inputs the application information using a store terminal 10, a method in which the user inputs information using his / her own user terminal 20, or a method in which a sales clerk at a dealer inputs the application information on behalf of the user using the store terminal 10.

[0016] The application system 1 includes a store terminal 10, user terminals 20A and 20B, a management server 30, and an examination server 40. The application system 1 is an example of an information processing system according to the present invention. When there is no need to distinguish between the user terminal 20A and the user terminal 20B, the user terminals 20A and 20B are collectively referred to as "user terminals 20". The store terminal 10, the user terminal 20, the management server 30, and the examination server 40 are communicatively connected via a network 2. The network 2 may include a wired network such as the Internet, as well as a wireless network such as a mobile communication network and a wireless LAN (Local Area Network). The management operator of the management server 30 and the management operator of the examination server 40 may be the same person or different people.

[0017] FIG. 2 is a diagram illustrating an example of the configuration of the store terminal 10. The store terminal 10 is installed in a dealership that is a provider of products or services (hereinafter referred to as "products, etc.") purchased with an auto loan, and is managed by the dealership. The store terminal 10 is used to input application information for an auto loan. Examples of the store terminal 10 include a personal computer, a smartphone, and a tablet terminal. The store terminal 10 includes a processor 11, a memory 12, a storage 13, a communication IF (Interface) 14, an input device 15, and a display device 16. These components are connected via a bus.

[0018] The processor 11 controls and performs calculations on each part of the store terminal 10. An example of the processor 11 is a CPU (Central Processing Unit). The memory 12 is used as a working area when the processor 11 executes the program 131. Examples of the memory 12 are a ROM (Read Only Memory) and a RAM (Random Access Memory). The storage 13 stores a program 131 for implementing the functions of the store terminal 10 and a status DB (Database) 132 for managing the status of the auto loan application procedure. The program 131 includes a web browser for displaying a web screen provided by a web server. Examples of the storage 13 include a HDD (Hard Disk Drive), an SSD (Solid State Drive), and a flash memory. The communication IF 14 communicates with other devices via the network 2 under the control of the processor 11. The input device 15 is used for a user to operate the store terminal 10. Examples of the input device 15 include a keyboard, a mouse, a touch panel, and an operation button. The display device 16 displays various screens for applying for an auto loan under the control of the processor 11. These screens are, for example, web screens. Examples of the display device 16 include a liquid crystal display and an organic EL (Electro Luminescence) display.

[0019] The processor 11 executes a program 131 stored in the storage 13 or the memory 12 to function as a setting means 111, a receiving means 112, a transmitting means 113, an issuing means 114, a receiving means 115, an updating means 116, and an acquiring means 117. These functions are realized by software working in cooperation with hardware resources.

[0020] The setting means 111 specifies the input method for the personal information and guarantor information included in the application information for the auto loan in response to an operation by a dealer's clerk. The personal information is information indicating the attributes of the applicant, and is used for a credit check of the applicant (hereinafter referred to as "personal check"). The personal information includes, for example, the name, date of birth, address, telephone number, whether the applicant has a driver's license (if yes, driver's license number), occupation, and credit information. The guarantor information is information indicating the attributes of the guarantor, and is used for a credit check of the guarantor (hereinafter referred to as "guarantor check"). The guarantor information includes, for example, the name, date of birth, address, telephone number, occupation, and credit information. The input method for the personal information and guarantor information includes a method for inputting the personal information or guarantor information, a method for obtaining consent including approval of the personal information or guarantor information, and a method for issuing a URL for inputting the personal information or guarantor information.

[0021] In the input method of the personal information or guarantor information, the terminal used for input and the person who inputs it are specified. The input method of the personal information or guarantor information includes a personal input method using the store terminal 10, a personal input method using the user terminal 20, and an input assistance method. The personal input method using the store terminal 10 is a method in which the applicant or guarantor inputs the personal information or guarantor information using the store terminal 10. The personal input method using the user terminal 20 is a method in which the applicant or guarantor inputs at least a part of the personal information or guarantor information using his / her own user terminal 20A or 20B. The input assistance method is a method in which a sales clerk of the store inputs the personal information on behalf of the applicant based on the contents of the applicant's request, with the applicant present. The input assistance method is a method suitable for applicants who are not familiar with input. When the personal input method or the input assistance method using the store terminal 10 is adopted, the applicant or guarantor needs to visit the store. On the other hand, when the personal input method using the user terminal 20 is adopted, the applicant or guarantor does not need to visit the store.

[0022] To apply for an auto loan, approval of application information and consent to various terms and conditions are required. The consent acquisition method is a method of acquiring various consents including approval of personal information or guarantor information. There are three types of consent acquisition methods: a screen viewing method, an SMS (Short Message Service) method, and a phone call method. The screen viewing method is a method in which the applicant or guarantor confirms the application contents on a screen displayed on the store terminal 10 and obtains consent. The SMS method is a method in which a short message including a URL (Uniform Resource Locator) of a consent confirmation screen is sent to the user terminal 20A or 20B of the applicant or guarantor, and the applicant or guarantor confirms at least a part of the application contents on the consent confirmation screen displayed on the user terminal 20A or 20B according to this URL and obtains consent. The SMS method is a method suitable for protecting personal information and guaranteeing identity because it can send a short message using a telephone number. The phone call method is a method in which the applicant or guarantor confirms the application contents described in the application contents confirmation sheet provided by the dealer, and calls the applicant or guarantor to obtain consent.

[0023] When the user terminal 20 is used to input the personal information or guarantor information, a URL of the input screen is issued to display the input screen of the personal information or guarantor information on the user terminal 20. The input URL issuance method is a method of issuing the URL of the input screen to the user terminal 20. The input URL issuance method includes an email transmission method, a guidebook output method, and a manual issuance method. The email transmission method is a method of transmitting an email including the URL of the input screen to the user terminal 20A or 20B. The guidebook output method is a method of transmitting guidebook data including at least either the URL of the input screen or a two-dimensional code indicating this URL to the user terminal 20A or 20B. The manual issuance method is a method of creating an email or a social networking service (SNS) message including the URL of the input screen by an operation of a sales clerk, and transmitting it to the user terminal 20A or 20B.

[0024] The reception means 112 receives input of auto loan application information according to the input method set by the setting means 111. More specifically, the reception means 112 receives input of purchase information for a product or the like for which an auto loan is used. The purchase information includes, for example, detailed information on the product or the like, amount information, dealer information, auto loan terms, auto loan payment plans, and other information related to the purchase of the product or the like. Furthermore, when the setting means 111 has set a personal input method or input assistance method using the store terminal 10, the reception means 112 receives input of personal information or guarantor information.

[0025] The transmission means 113 transmits the application information whose input has been accepted by the reception means 112 to the management server 30. More specifically, the transmission means 113 transmits to the management server 30 the information whose input has been accepted by the reception means 112 out of the purchase information, the customer information, and the guarantor information.

[0026] The issuing means 114 issues the URL of the screen for inputting the personal information or the guarantor information to the user terminal 20A or 20B according to the input method set by the setting means 111. More specifically, when the personal input method using the user terminal 20 is set by the setting means 111, the issuing means 114 issues the URL of the screen for inputting the personal information or the guarantor information to the user terminal 20A or 20B according to the input URL issuing method set by the setting means 111. An expiration date may be set for this URL. In the user terminal 20A or 20B, the input of the personal information or the guarantor information and the approval of the information inputted in the store terminal 10 are performed using the input screen displayed according to the URL issued by the issuing means 114. Therefore, the issuing means 114 issues the URL of the input screen to request the input of the personal information or the guarantor information and the approval of the information inputted in the store terminal 10.

[0027] The receiving means 115 receives the results of the auto loan examination performed by the examination server 40 using the auto loan application information from the examination server 40. In addition, the receiving means 115 accepts notifications from the management server 30.

[0028] The update means 116 updates the status DB 132 in accordance with the examination result received by the reception means 115. The updated status DB 132 may be displayed on the display device 16 in response to an operation by a sales clerk at the store.

[0029] 3 is a diagram illustrating an example of the status DB 132. The status DB 132 stores status information indicating the status of the application procedure for an auto loan. The status information includes an application ID that uniquely identifies the application, the application date or the last update date, the applicant's name, a status indicating the progress of the application procedure or screening, purchase information, screening results, URL issuance information for the applicant's input, guarantor registration information, and URL issuance information for guarantor input. These pieces of information included in the status information are associated with each other using the application ID as a key.

[0030] Returning to FIG. 2, when a full application for an auto loan is made, the acquisition means 117 acquires application information of the corresponding provisional application from the management server 30 and stores it in the storage 13. This application information includes purchase information, personal information, and guarantor information used in the screening of the provisional application. In the application for an auto loan, a provisional application may be made before the full application. If the provisional application does not pass the screening, the user can review the conditions of the product to be purchased, options, etc., before making the full application. If a provisional application is made before the full application, the application information of the provisional application acquired by the acquisition means 117 is used in the full application. Therefore, the user only needs to modify the parts to be changed from the provisional application, and does not need to re-enter the parts that are the same as the application information of the provisional application.

[0031] FIG. 4 is a diagram illustrating an example of the configuration of the user terminal 20. The user terminal 20A is used by an applicant who is a prospective purchaser who wishes to purchase a product or the like using an auto loan, and is used to input personal information. A guarantor may be required for an auto loan contract. The user terminal 20B is used by the guarantor, and is used to input guarantor information. Examples of the user terminal 20 include a smartphone, a tablet terminal, and a personal computer. The user terminal 20 includes a processor 21, a memory 22, a storage 23, a communication IF 24, an input device 25, a display device 26, and a camera 27. These components are connected via a bus.

[0032] The processor 21 controls and performs calculations on each part of the user terminal 20. An example of the processor 21 is a CPU. The memory 22 is used as a working area when the processor 21 executes the program 231. Examples of the memory 22 are a ROM and a RAM. The storage 23 stores the program 231 for implementing the functions of the user terminal 20. The program 231 includes a web browser for displaying a web screen provided by a web server. Examples of the storage 23 are a HDD, an SSD, and a flash memory. The communication IF 24 communicates with other devices via the network 2 under the control of the processor 21. The input device 25 is used for the user to operate the user terminal 20. Examples of the input device 25 are a keyboard, a mouse, a touch panel, and an operation button. The display device 26 displays various screens for applying for an auto loan under the control of the processor 21. The screen is, for example, a web screen. Examples of the display device 26 are a liquid crystal display and an organic EL display. The camera 27 captures a two-dimensional code indicating the URL of a screen for inputting personal information or guarantor information.

[0033] The processor 21 executes a program 231 stored in the storage 23 or the memory 22 to function as a receiving unit 211 and a transmitting unit 212. These functions are realized by software working in cooperation with hardware resources.

[0034] The reception means 211 receives input of the personal information or guarantor information according to the input method set by the setting means 111 of the store terminal 10. More specifically, when the personal input method using the user terminal 20 is set, the reception means 211 receives input of the personal information or guarantor information.

[0035] The transmission means 212 transmits the principal information or guarantor information inputted and accepted by the acceptance means 211 to the management server 30 .

[0036] 5 is a diagram illustrating an example of the configuration of the management server 30. The management server 30 is managed by a credit company that provides auto loans. The management server 30 accepts auto loan applications and transmits auto loan application information to the screening server 40. The management server 30 includes a processor 31, a memory 32, a storage 33, and a communication IF 34. These components are connected via a bus.

[0037] The processor 31 controls and performs calculations for each part of the management server 30. An example of the processor 31 is a CPU. The memory 32 is used as a work area when the processor 31 executes the program 331. Examples of the memory 32 are a ROM and a RAM. The storage 33 stores the program 331 for realizing the functions of the management server 30. The program 331 includes a web server for providing a web screen to a web browser. Examples of the storage 33 are a HDD, an SSD, and a flash memory. The communication IF 34 communicates with other devices via the network 2 under the control of the processor 31.

[0038] The processor 31 executes a program 331 stored in the storage 33 or the memory 32, thereby functioning as a first acquisition means 311, a notification means 312, a second acquisition means 313, and a transmission means 314. These functions are realized by software working in cooperation with hardware resources.

[0039] The first acquisition means 311 acquires, from the store terminal 10 or the user terminal 20A, personal information input at the store terminal 10 or the user terminal 20A in accordance with the input method set by the setting means 111 of the store terminal 10.

[0040] When the entry of the personal information for this application is completed, the notification means 312 notifies the store terminal 10 that guarantor information is required. In this application, the purchase information and personal information required for personal screening, and the guarantor information required for guarantor screening are sent together to the screening server 40, and the screening of these items proceeds. Therefore, when the entry of the personal information for this application is completed, the entry of guarantor information is required. Therefore, this notification is sent so that the retailer can prompt the guarantor to enter guarantor information.

[0041] After the notification by the notification means 312, the second acquisition means 313 acquires the guarantor information inputted at the shop terminal 10 or the user terminal 20B from the shop terminal 10 or the user terminal 20B.

[0042] The transmission means 314 transmits the application information for the auto loan to the examination server 40. In the case of a provisional application, the transmission means 314 transmits the purchase information, the personal information, and the guarantor information separately. On the other hand, in the case of a full application, the transmission means 314 transmits the purchase information, the personal information, and the guarantor information together in association with each other.

[0043] Returning to FIG. 1, the screening server 40 is managed by a credit company that provides auto loans. The screening server 40 performs credit screening on the ability to pay for the products, etc. purchased using the auto loan. If a guarantor is required for the auto loan contract, this credit screening includes a guarantor screening in addition to a personal screening. The results of the credit screening can be either approved, indicating that the person has the ability to pay for the products, etc. purchased using the auto loan, or rejected, indicating that the person does not have the ability to pay. Note that the method of credit screening is a known technology, so a detailed explanation of it will be omitted here.

[0044] 2.Operation 2.1 Provisional application 6, 6A, 6B, and 7 are sequence charts illustrating the provisional application process for an auto loan. Here, an example is explained in which a provisional application is made before a final application. However, a provisional application is not required, and only a final application may be made. FIG. 6A and FIG. 6B show operations corresponding to different information input methods, and FIG. 6 is a combination of these.

[0045] 8 to 10 are diagrams showing example screens for applying for an auto loan. First, a top screen 610 is displayed on the display device 16 of the store terminal 10. When a "New Application" button 611 included in the top screen 610 is pressed by a sales clerk at the dealership, the provisional application process is started. Here, an example will be described in which a guarantor is required for an auto loan contract. In this case, the provisional application process first involves the application procedure and personal screening of the applicant, followed by the application procedure and guarantor screening of the guarantor.

[0046] In step S11 shown in FIG. 6, the reception means 112 of the store terminal 10 receives input of purchase information for a product or the like that uses an auto loan. As shown in FIG. 8, when the "New Application" button 611 is pressed, a purchase information input screen 620 is displayed on the display device 16. A sales clerk at the store performs an operation to input purchase information for a product or the like that uses an auto loan on the input screen 620. As shown in FIG. 8, the input screen 620 may be divided into a plurality of input screens 620-1 to 620-n (n is an integer of 2 or more) and displayed in sequence. When the purchase information is input, the reception means 112 adds an application ID to the input purchase information.

[0047] Returning to Fig. 6, in step S12, the setting means 111 of the store terminal 10 sets the method of inputting personal information and the method of obtaining consent for the input purchase information, personal information, and various terms and conditions. As shown in Fig. 8, the input screen 620-n includes a selection button 622 for selecting the personal input method using the user terminal 20. When the personal input method using the user terminal 20 is selected, the store clerk presses the selection button 622. When the selection button 622 is pressed, the setting means 111 sets the personal input method using the user terminal 20.

[0048] On the other hand, when an input method other than the personal input method using the user terminal 20 is selected, the sales clerk of the store performs an operation of pressing a "Next" button 621 included in the input screen 620. When the "Next" button 621 is pressed, an input method selection screen 630 is displayed on the display device 16. The selection screen 630 includes a selection button 631 for selecting the applicant as the person inputting the personal information, and a selection button 632 for selecting the sales clerk of the store. When the personal input method using the store terminal 10 is selected, the sales clerk of the store performs an operation of pressing the selection button 631. When the selection button 632 is pressed, the setting means 111 sets the personal input method using the store terminal 10. On the other hand, when the input assistance method is selected, the sales clerk of the store performs an operation of pressing the selection button 632. When the selection button 632 is pressed, the setting means 111 sets the input assistance method.

[0049] Furthermore, the selection screen 630 includes a selection button 633 for selecting a screen viewing method, a selection button 634 for selecting an SMS method, and a selection button 635 for selecting a call method. When the screen viewing method is selected, the store clerk performs an operation of pressing the selection button 633. When the selection button 633 is pressed, the setting means 111 sets the screen viewing method. When the SMS method is selected, the store clerk performs an operation of pressing the selection button 634. When the selection button 634 is pressed, the setting means 111 sets the SMS method. When the call method is selected, the store clerk performs an operation of pressing the selection button 635. When the selection button 635 is pressed, the setting means 111 sets the call method.

[0050] When the personal input method or input assistance method using the store terminal 10 is set, the process proceeds to step S13 shown in FIG. 6A. In step S13, the reception means 112 of the store terminal 10 accepts the input of personal information and consent confirmation. For example, when the personal input method or input assistance method using the store terminal 10 and the screen viewing method are set, the consent confirmation screen 640 shown in FIG. 9 is displayed on the display device 16 of the store terminal 10. The consent confirmation screen 640 includes the input purchase information, a check box 641 for confirming consent to various terms and conditions required for the auto loan contract, and a transition button 642 for approving the purchase information and proceeding to the next step. When the applicant approves the purchase information and agrees to the various terms and conditions required for the auto loan contract by viewing the consent confirmation screen 640 displayed on the display device 16, the applicant or a sales clerk at the dealer checks the check box 641 included in the consent confirmation screen 640 and then performs an operation of pressing the transition button 642.

[0051] When the transition button 642 is pressed, a personal information input screen 650 is displayed on the display device 16. The applicant or the store clerk inputs personal information on the input screen 650 and then presses the transition button 651. When the personal information is input, the reception means 112 adds an application ID to the input personal information. When the transition button 651 is pressed, a personal information confirmation screen 660 is displayed on the display device 16. The confirmation screen 660 includes the input personal information and a transition button 661 for proceeding to the next step after approving the personal information. When the applicant approves the personal information by viewing the confirmation screen 660 displayed on the display device 16, the applicant or the store clerk presses the transition button 661 included in the confirmation screen 660. When the transition button 661 is pressed, an application content confirmation screen 670 is displayed on the display device 16. The confirmation screen 670 includes the entered purchase information and personal information, and an application button 671 for applying for an auto loan after final approval of the purchase information and personal information. When the applicant gives final approval of the purchase information and personal information by viewing the confirmation screen 670 displayed on the display device 16, the applicant or a sales clerk at the dealer presses the application button 671.

[0052] 6, in step S14, the transmission means 113 of the store terminal 10 transmits the purchase information for which consent was confirmed in step S13 and the personal information for which input and consent was confirmed to the management server 30. When the purchase information and personal information are transmitted from the store terminal 10, the first acquisition means 311 of the management server 30 receives the purchase information and personal information.

[0053] On the other hand, when the personal information input method using the user terminal 20 is set, the process proceeds to step S15 in FIG. 6B. In step S15, the setting means 111 of the store terminal 10 sets the issuing method of the URL for inputting personal information. As shown in FIG. 8, when the selection button 622 included in the input screen 620 is pressed, an issuing method selection screen 700 is displayed on the display device 16. The selection screen 700 includes a selection button 701 for selecting the e-mail transmission method, a selection button 702 for selecting the guidebook output method, and a selection button 703 for selecting the manual issuing method. When the e-mail transmission method is selected, the sales clerk of the store performs an operation of pressing the selection button 701. When the selection button 701 is pressed, the setting means 111 sets the e-mail transmission method. When the guidebook output method is selected, the sales clerk of the store performs an operation of pressing the selection button 702. When the selection button 702 is pressed, the setting means 111 sets the guidebook output method. When the manual issuing method is selected, the sales clerk at the store presses the selection button 703. When the selection button 703 is pressed, the setting means 111 sets the manual issuing method.

[0054] Returning to FIG. 6, in step S16, the issuing means 114 of the store terminal 10 issues the URL of the input screen 650 of the personal information to the user terminal 20A according to the input URL issuing method set by the setting means 111. The issuance of this URL serves both as the input of the personal information and the transmission of a request for approval of the information input at the store terminal 10. More specifically, when the email transmission method is set, the issuing means 114 automatically creates an e-mail including the URL of the input screen 650 of the personal information and transmits it to the user terminal 20A. When the guidebook output method is set, the issuing means 114 automatically creates guidebook data including the URL of the input screen 650 of the personal information and a two-dimensional code indicating this URL, and transmits it to the user terminal 20A. When the manual issuance method is set, the issuing means 114 creates an e-mail or an SNS message including the URL by copying the URL of the input screen 650 of the personal information and pasting it into an e-mail or an SNS message by the operation of a store clerk, and transmits it to the user terminal 20A.

[0055] In step S17, the accepting means 211 of the user terminal 20A accepts the input of the personal information and the confirmation of the consent. First, the applicant operates the display device 26 to display the personal information input screen 650 shown in FIG. 9 according to the URL issued in step S15. At this time, if the email transmission method is set, the URL included in the email is used. If the guidebook output method is set, the URL included in the guidebook data or the URL read by photographing the two-dimensional code included in the guidebook data with the camera 27 is used. If the manual issuing method is set, the URL included in the email or the SNS message is used. Note that the personal information input screen 650 may be displayed after user authentication. After the input screen 650 is displayed, the display and operation of the screens subsequent to the personal information input screen 650 described in the above step S13 are performed on the user terminal 20A.

[0056] Here, even if the personal information input method using the user terminal 20 is set, the input of the personal information and the consent confirmation may be partly performed in the store terminal 10, and the rest may be performed in the user terminal 20A. For example, after part of the personal information is input in the store terminal 10 in a manner similar to the process of step S13 described above, the processes of steps S15 to S17 described above may be performed. In this case, the personal information input screen 650 displayed on the display device 26 of the user terminal 20A is in a state in which part of the personal information input in the store terminal 10 has already been input. Therefore, the applicant may input the remaining personal information using the user terminal 20A. In addition, the applicant may correct the personal information input in the store terminal 10 using the user terminal 20A as necessary. However, part of the personal information input in the store terminal 10, such as the date of birth and the telephone number, may not be correctable in the user terminal 20.

[0057] 6, in step S18, the transmission means 212 of the user terminal 20A transmits the purchase information for which consent was confirmed in step S17 and the personal information for which input and consent was confirmed to the management server 30. When the purchase information and personal information are transmitted from the user terminal 20A, the first acquisition means 311 of the management server 30 receives the purchase information and personal information.

[0058] In addition, when the personal input method or input assistance method using the store terminal 10 and the SMS method are set, the display and operation of the screens after the consent confirmation screen 640 shown in FIG. 9 described in the above step S13 are performed on the store terminal 10. However, when the transition button 661 included in the personal information confirmation screen 660 is pressed, the transmission means 113 of the store terminal 10 transmits a short message including a URL of the personal information input screen 650 to the user terminal 20A by the operation of the store clerk. When the user terminal 20A receives this short message, the personal information input screen 650 shown in FIG. 9 is displayed on the display device 26 according to the URL included in this short message by the applicant's operation. In addition, the personal information input screen 650 may be displayed after user authentication. After the input screen 650 is displayed, the display and operation of the screens after the personal information input screen 650 described in the above step S17 are performed on the user terminal 20A. However, since the personal information input screen 650 will already have the personal information input at the store terminal 10 input, the applicant can simply correct this personal information using the user terminal 20A as necessary.

[0059] In addition, when the personal input method or input assistance method using the store terminal 10 and the telephone call method are set, the display and operation of the screens after the consent confirmation screen 640 shown in FIG. 9 described in step S13 above are performed on the store terminal 10. However, when the transition button 661 included in the personal information confirmation screen 660 is pressed, the date and time for calling the applicant to confirm consent is specified by the operation of the sales clerk or the applicant, and the application content confirmation is printed. The applicant checks the personal information included in the application content confirmation provided by the sales store. The credit company providing the auto loan calls the applicant at the specified date and time and obtains approval of the personal information from the applicant. After approval is obtained from the applicant, the application content confirmation screen 670 shown in FIG. 9 is displayed on the display device 16. After the confirmation screen 670 is displayed, the display and operation of the screens after the application content confirmation screen 670 described in step S13 above are performed on the store terminal 10.

[0060] In step S19, the transmission means 314 of the management server 30 transmits the purchase information and personal information received from the store terminal 10 or the user terminal 20A to the screening server 40. In step S20, the screening server 40 performs a personal screening using the purchase information and personal information received from the management server 30. In step S21, the screening server 40 adds an application ID to the result of the personal screening performed in step S20 and transmits it to the store terminal 10. The result of the screening of the provisional application is not the final screening result for the auto loan, so it is a notice of a provisional decision on the screening. When the result of the personal screening is transmitted from the screening server 40, the receiving means 115 of the store terminal 10 receives the result of the personal screening. The screening server 40 may also transmit the result of the personal screening to the store terminal 10 and the user terminal 20A.

[0061] In step S22, the update means 116 of the shop terminal 10 updates the status DB 132 according to the result of the personal screening received from the screening server 40. For example, if the result of the personal screening of the provisional application to which the application ID "AP001" is added is approved, the update means 116 changes the date associated with the application ID "AP001" in the status DB 132 to the date at the time of update, changes the status to "Personal screening of provisional application completed", and changes the screening result to "Personal screening approved", as shown in FIG. 3. This status of "Personal screening of provisional application completed" indicates that the personal screening of the provisional application has been completed and the guarantor screening has not yet been carried out. In addition, if a URL for the input screen 650 for personal information has been issued in the provisional application, the URL issuance information for personal input associated with the application ID "AP001" is changed to "URL issued".

[0062] After the application procedure and the examination of the principal are completed in this manner, the application procedure and examination of the guarantor are performed. In step S23 shown in FIG. 7, the setting means 111 of the store terminal 10 specifies the input method of the guarantor information. As shown in FIG. 10, after the examination of the principal is completed, the display device 16 of the store terminal 10 displays the top screen 610 again. When the "Reapply" button 612 included in the top screen 610 is pressed by the sales clerk, the search screen 680 is displayed on the display device 16. The sales clerk inputs search conditions using the date, application ID, etc. on the search screen 680, and then presses the search button 681. When the search button 681 is pressed, status information of the application that satisfies the search conditions is extracted from the status DB 132 and displayed on the search screen 680. Since this status information includes the status of the application that satisfies the search conditions, the sales clerk can grasp the progress of the examination of the principal and the guarantor of each of these applications by looking at this status. The sales clerk at the store performs an operation to select the target provisional application based on the status information displayed on the search screen 680.

[0063] When the target provisional application is selected in response to this operation, an application details screen 690 is displayed on the display device 16. The application details screen 690 includes the purchase information and personal information input in the target provisional application, and a menu bar 691. When selecting the personal input method using the store terminal 10, the sales clerk performs an operation to select an operation item 692 for selecting the personal input method using the store terminal 10 from the menu bar 691. When the operation item 692 is selected, the setting means 111 sets the personal input method using the store terminal 10. On the other hand, when selecting the personal input method using the user terminal 20, the sales clerk performs an operation to select an operation item 693 for selecting the personal input method using the user terminal 20 from the menu bar 691. When the operation item 693 is selected, the setting means 111 sets the personal input method using the user terminal 20.

[0064] When the personal input method using the store terminal 10 is set, the process proceeds to step S24 shown in FIG. 7. In step S24, the reception means 112 of the store terminal 10 receives the input of guarantor information and the consent confirmation made by the guarantor in the same manner as the process of step S13 described above. More specifically, the display device 16 of the store terminal 10 displays a guarantor information input screen, a guarantor information confirmation screen, and an application content confirmation screen similar to the personal information input screen 650, the personal information confirmation screen 660, and the application content confirmation screen 670 shown in FIG. 9. However, on the guarantor information input screen, the guarantor information confirmation screen, and the application content confirmation screen, the guarantor information is input and consent confirmation is made instead of the personal information. The guarantor information input screen may be displayed after user authentication. The reception means 112 also adds an application ID to the input guarantor information.

[0065] 7, in step S25, the transmission means 113 of the store terminal 10 transmits the guarantor information entered and agreed to in step S24 to the management server 30. When the guarantor information is transmitted from the store terminal 10, the first acquisition means 311 of the management server 30 receives this guarantor information.

[0066] On the other hand, if the personal input method using the user terminal 20 is set, the process proceeds to step S26. In step S26, the setting means 111 of the store terminal 10 sets the issuing method of the URL for inputting the guarantor information in the same manner as in the process of step S15 described above. In step S27, the issuing means 114 of the store terminal 10 issues the URL of the input screen of the guarantor information to the user terminal 20B according to the issuing method of the input URL set by the setting means 111 in the same manner as in the process of step S16 described above. The issuance of this URL also serves as the transmission of the input request of the guarantor information. In step S28, the receiving means 211 of the user terminal 20B accepts the input of the guarantor information and the consent confirmation in the same manner as in the process of step S17 described above. More specifically, the display device 26 of the user terminal 20B displays the input screen of the guarantor information, the confirmation screen of the guarantor information, and the confirmation screen of the application contents, which are similar to the input screen 650 of the personal information, the confirmation screen 660 of the personal information, and the confirmation screen 670 of the application contents shown in FIG. 9. However, on the guarantor information input screen, guarantor information confirmation screen, and application content confirmation screen, guarantor information is input and consent is confirmed instead of the user's information. The guarantor information input screen may be displayed after user authentication. The reception means 211 also adds an application ID to the input guarantor information.

[0067] 7, in step S29, the sending means 113 of the user terminal 20B sends the guarantor information entered and agreed upon in step S28 to the management server 30. When the guarantor information is sent from the user terminal 20B, the first acquisition means 311 of the management server 30 receives this guarantor information.

[0068] In step S30, the transmission means 314 of the management server 30 transmits the guarantor information received from the store terminal 10 or the user terminal 20B to the screening server 40. In step S31, the screening server 40 performs guarantor screening using the guarantor information received from the management server 30. In step S32, the screening server 40 adds an application ID to the result of the guarantor screening performed in step S31 and transmits it to the store terminal 10. As described above, the result of the screening of a provisional application is not the final screening result of the auto loan, so it is a notice of a provisional decision on the screening. When the result of the guarantor screening is transmitted from the screening server 40, the receiving means 115 of the store terminal 10 receives the result of the guarantor screening. The screening server 40 may also transmit the result of the guarantor screening to the user terminals 20A and 20B in addition to the store terminal 10.

[0069] In step S33, the update means 116 of the shop terminal 10 updates the status DB 132 according to the result of the guarantor screening received from the screening server 40. For example, if the result of the guarantor screening of the provisional application to which the application ID "AP001" is added is approved, the update means 116 changes the date associated with the application ID "AP001" in the status DB 132 shown in FIG. 3 to the date at the time of update, changes the status to "guarantor screening completed for provisional application", and changes the screening result to "screening approved". This status of "guarantor screening completed for provisional application" indicates that the personal screening and guarantor screening of the provisional application have been completed. In addition, if a URL for an input screen for guarantor information has been issued for the provisional application, the update means 116 changes the URL issuance information for guarantor input associated with the application ID "AP001" to "URL issued".

[0070] 2.2 Application Fig. 11 is a sequence chart illustrating the main application process for an auto loan. Fig. 12 is a diagram illustrating a screen for applying for an auto loan. As shown in Fig. 12, a top screen 610 is first displayed on the display device 16 of the store terminal 10. When a "Reapply" button 612 included in the top screen 610 is pressed by a sales clerk at the dealership, the main application process starts. Here, an example will be described in which a provisional application has been made prior to the main application.

[0071] In step S41 shown in FIG. 11, the acquisition means 117 of the store terminal 10 acquires application information of a provisional application corresponding to the actual application, that is, purchase information, personal information, and guarantor information, from the management server 30, and stores it in the storage 13. As shown in FIG. 12, when the "Re-apply" button 612 is pressed, a search screen 680 is displayed on the display device 16. In the search screen 680, search conditions using the date, application ID, etc. are input in response to the operation of the sales store clerk, and when the search button 681 is pressed, status information of applications that satisfy the search conditions is extracted from the status DB 132 and displayed on the search screen 680. Since this status information includes the status of applications that satisfy the search conditions, the sales store clerk can grasp the progress of the personal screening and the progress of the guarantor screening of each of these applications by looking at this status. The sales store clerk performs an operation to select a corresponding provisional application based on the status information displayed on the search screen 680.

[0072] Returning to FIG. 11, in step S42, the reception means 112 of the store terminal 10 accepts input of corrections to the purchase information. When a corresponding provisional application is selected in response to an operation by a sales clerk, an application details screen 690 shown in FIG. 12 is displayed on the display device 16. The application details screen 690 includes the purchase information and user information entered in the corresponding provisional application, and a menu bar 691. When correcting and inputting the purchase information, the sales clerk at the store selects an operation item 694 for correcting and inputting from the menu bar 691, and then performs an operation to correct and input the purchase information included in the application details screen 690. The reception means 112 accepts the input of the purchase information corrected by this operation.

[0073] Returning to Fig. 11, in step S43, the setting means 111 of the store terminal 10 sets the method of inputting personal information and the method of obtaining consent to the input purchase information, personal information, and various terms and conditions, similar to the process of step S12 described above. After the purchase information is corrected and input on the application details screen 690 shown in Fig. 12, the screens following the purchase information input screen 620 shown in Fig. 8 are displayed. Here, an example will be described in which a selection button 622 included in the input screen 620 is pressed by a sales clerk at the store, and the personal input method using the user terminal 20 is set.

[0074] When the identity input method using the user terminal 20 is set, the process proceeds to step S44 shown in Fig. 11. The processes of steps S44 to S47 are similar to the processes of steps S15 to S18 described above. However, since the identity information input screen 650 is in a state in which the identity information of the provisional application has been input, the applicant only needs to amend the identity information as necessary. The accepting means 211 of the user terminal 20A accepts the input of the identity information amended in response to the applicant's operation.

[0075] When the personal input method or input assistance method using the store terminal 10 is set, the same processes as those in steps S13 and S14 described above are performed instead of the processes in steps S44 to S47. In this case, the reception means 112 of the store terminal 10 receives the input of personal information corrected in response to the applicant's operation.

[0076] In step S48, the first acquisition means 311 of the management server 30 stores the purchase information and personal information received from the user terminal 20A in the storage 13. In this application, the purchase information and personal information necessary for personal screening and the guarantor information necessary for guarantor screening are sent together to the screening server 40, and the screening of these information proceeds. In step S48, although the purchase information and personal information necessary for personal screening have been acquired, the guarantor information necessary for guarantor screening has not been acquired, so it is necessary to input the guarantor information.

[0077] In step S49, the notification means 312 of the management server 30 sends to the store terminal 10 a notification indicating that guarantor information is required, together with the application ID. This notification indicates that the input of the purchase information and personal information required for personal screening has been completed and it is now possible to conduct personal screening, and therefore it is necessary to input guarantor information. When the notification is sent from the management server 30, the receiving means 115 of the store terminal 10 receives this notification. In response to this notification, on the display device 16 of the store terminal 10, for example, a warning message in red letters may be displayed at the top of the search screen 680 shown in FIG. 10, indicating that the procedure for applying for a guarantor is required.

[0078] Returning to FIG. 11, in step S50, the update means 116 of the store terminal 10 updates the status DB 132 in response to the notification from the management server 30. For example, when a notification with an application ID of "AP001" is received, the update means 116 changes the date associated with the application ID of "AP001" in the status DB 132 to the date at the time of update, changes the status to "Information required for personal screening of this application has been entered", and changes the screening result to "Successful screening". In addition, when a URL for the input screen 650 of personal information has been issued in this application, the URL issuance information for personal input associated with the application ID of "AP001" is changed to "URL issued". In addition, if the status is not changed for a predetermined period after being changed to "Information required for personal screening of this application has been entered", a warning message may be displayed on the display device 16 of the store terminal 10.

[0079] By receiving the notification from management server 30 and updating status DB 132, the sales clerk can know that the input of purchase information and personal information required for personal screening has been completed and that personal screening can now be carried out. In this case, since the input of guarantor information is required, the sales clerk urges the guarantor to input the guarantor information.

[0080] In step S51, the setting means 111 of the store terminal 10 specifies the input method of the guarantor information, similar to the process in step S23 described above. Here, an example will be described in which the personal input method using the user terminal 20 is set.

[0081] When the personal input method using the user terminal 20 is set, the process proceeds to step S52. The processes of steps S52 to S55 are similar to the processes of steps S26 to S29 described above. However, since the guarantor information input screen will be in a state where the guarantor information of the provisional application has been input, the guarantor only needs to amend the guarantor information as necessary. The reception means 211 of the user terminal 20B receives the input of the guarantor information amended in response to the applicant's operation.

[0082] When the personal input method or input assistance method using the store terminal 10 is set, the same processes as those in steps S24 and S25 described above are performed instead of the processes in steps S52 to S55. In this case, the reception means 112 of the store terminal 10 receives the input of the guarantor information corrected in response to an operation by the guarantor.

[0083] In step S56, the transmission means 314 of the management server 30 associates the guarantor information received from the user terminal 20B with the purchase information and personal information stored in the storage 13 in step S48, and transmits them to the examination server 40. For example, the transmission means 314 extracts from the storage 13 the purchase information and personal information to which the same application ID as the guarantor information has been added, and transmits a data set consisting of the received guarantor information and the extracted purchase information and personal information to the examination server 40.

[0084] In step S57, the screening server 40 performs personal screening and guarantor screening using the purchase information, personal information, and guarantor information received from the management server 30. In step S58, the screening server 40 adds an application ID to the results of the personal screening and guarantor screening and transmits them to the store terminal 10. When the results of the personal screening and guarantor screening are transmitted from the screening server 40, the receiving means 115 of the store terminal 10 receives these screening results. The screening server 40 may also transmit the results of the personal screening and guarantor screening to the user terminals 20A and 20B in addition to the store terminal 10. In step S59, the update means 116 of the store terminal 10 updates the status DB 132 based on the results of the personal screening and guarantor screening, similar to the processing in step S32 described above.

[0085] In addition, if a provisional application has not been made prior to the actual application, instead of the processing of steps S41 to S47 and S51 to S55 shown in FIG. 11, processing similar to that for a provisional application, i.e., processing similar to the processing of steps S11 to S18 and S23 to S29 shown in FIG. 6, may be performed.

[0086] According to the above-described embodiment, when the input of the personal information is completed in this application process, the store terminal 10 is notified that guarantor information is required, and in response to this notification, the store side prompts the guarantor to input the guarantor information, thereby making it possible to smoothly proceed with the personal and guarantor screening. Furthermore, in the application system 1, the method of inputting the personal information and guarantor information can be selected. For example, when the personal input method using the user terminal 20 is selected, the applicant or guarantor can input the personal information or guarantor information without visiting the store. In this case, the applicant does not need to send the documents required for the application to the guarantor.

[0087] Furthermore, when the personal information input method using the user terminal 20 is selected, a URL for a screen for inputting personal information or guarantor information is issued, so that input of personal information or guarantor information can be smoothly carried out. Furthermore, since the store terminal 10 has a status DB 132, the status information contained in the status DB 132 is displayed on the display device 16, so that the retailer can grasp the progress of the screening, such as whether the personal information screening or guarantor screening has been completed. Furthermore, if a provisional application has been made before the actual application, the purchase information, personal information, and guarantor information entered in the provisional application are displayed on the screen in the actual application with the information already entered, so that it is only necessary to correct this information as necessary, which saves the effort of inputting information compared to re-entering all the information.

[0088] 3. Variations The present invention is not limited to the above-described embodiment. The above-described embodiment may be modified as in the following examples. In this case, two or more of the following modifications may be used in combination.

[0089] In the above-described embodiment, when the issuing means 114 of the store terminal 10 is notified by the management server 30 that guarantor information is required, the issuing means 114 may issue a URL of an input screen for guarantor information to the user terminal 20B according to the SMS method, without the intervention of a store clerk at the retailer. According to this modification, the guarantor can be prompted to input guarantor information without the need for a store clerk to operate the store terminal 10.

[0090] In the above embodiment, if the status of a certain application included in the status DB 132 is changed to "information required for personal screening of this application has been entered" and then is not changed for a predetermined period of time, there is a possibility that the guarantor has forgotten to enter guarantor information. In this case, the store terminal 10 may transmit information to the user terminal 20B to remind the user to enter guarantor information. This modification makes it possible to prevent delays in entering guarantor information.

[0091] In addition to individual applications where both the applicant and guarantor are individuals, application system 1 may also accommodate corporate applications where the main contractor is a corporation and the guarantor is an individual. In the case of a corporate application, since the representative of the corporation and the guarantor are the same person, the representative can proceed with the personal application procedure and guarantor application procedure simply by inputting personal information, without having to input guarantor information. According to this modification, the method of inputting personal information can be selected even when a corporate application is made.

[0092] The application system 1 is not limited to being applied to the application procedure for an auto loan, but may also be applied to the application procedure for a loan or shopping credit used to purchase products other than a car, or to a dealer's claim for an advance payment to a referral company. In the case of a claim for an advance payment, the method of the claim for an advance payment may be changed between a web-based method corresponding to paperless and a contract-based method. According to this modification, the method of inputting information required for the procedure can be selected even when applying for a loan other than an auto loan, a shopping credit, or a claim for an advance payment.

[0093] The screens displayed on the store terminal 10 and the user terminal 20 described in the above-described embodiment are merely examples and are not limited to these. The store terminal 10 and the user terminal 20 may display screens with configurations different from those described above, other screens may be displayed, some screens may not be displayed, or the display order of the screens may be different.

[0094] In the above-described embodiment, the functions and configurations of each device included in the application system 1 are illustrative and are not limited thereto. For example, the management server 30 may have at least some of the functions of the store terminal 10 or the user terminal 20, and the store terminal 10 or the user terminal 20 may have at least some of the functions of the management server 30. The application system 1, the store terminal 10, the user terminal 20, the management server 30, and the examination server 40 may be configured to include one or more of the above-described devices or configurations, or may be configured without including some of the devices or configurations. Alternatively, the management server 30 and the examination server 40 may be implemented as one piece of hardware, rather than being physically separate pieces of hardware. In this case, the information exchange between the management server 30 and the examination server 40 described above can be regarded as an exchange between two functional modules within one piece of hardware. Furthermore, even if the management server 30 and the examination server 40 are implemented as physically separate entities, the provision of various information to the store terminal 10 in step S21 in Fig. 6, S32 in Fig. 7, and step S58 in Fig. 11 may be such that the information is not sent directly from the examination server 40 to the store terminal 10, but rather from the examination server 40 to the store terminal 10 via the management server 30. In short, as long as the store terminal 10 can receive the various notifications described above, it does not matter whether the device that generated the various notifications is the management server 30 or the examination server 40.

[0095] In the above-described embodiment, the operations of the application system 1, the store terminal 10, the user terminal 20, the management server 30, and the examination server 40 are not limited to the above-described examples. The order of the operation procedures of the application system 1, the store terminal 10, the user terminal 20, the management server 30, and the examination server 40 may be changed or some operation procedures may be omitted, as long as there is no contradiction.

[0096] Another embodiment of the present invention may provide a method having operational steps performed in at least one of the application system 1, the store terminal 10, the user terminal 20, the management server 30, and the screening server 40. Furthermore, yet another embodiment of the present invention may provide a program executed in the store terminal 10, the user terminal 20, the management server 30, and the screening server 40. This program may be provided by being stored in a computer-readable recording medium, or may be provided by downloading via the Internet or the like.

[0097] Furthermore, the subject of the present invention is not limited to auto loans, and any product or service may be the subject of a commercial transaction. Furthermore, there is no limitation on the definition of a "guarantor" or its legal nature. In short, the present invention can be provided in any situation where multiple people are screened when conducting a commercial transaction (such as a purchase) for a certain product or service. Furthermore, the legal or commercial nature of the difference between a provisional application and a full application is not an issue. In short, the present invention can be applied in any situation where a two-stage procedure (or multiple stages) of an initial application procedure and a subsequent application procedure is required for substantially the same commercial transaction subject. In other words, in an information processing system consisting of one or more computer devices according to the present invention, the following steps are executed: specifying an input method for personal information, which is information about a person wishing to purchase a product or service, and guarantor information, which is information about the guarantor of the purchaser; a management server acquiring the personal information inputted at a store terminal managed by the provider of the product or service or at the terminal of the purchaser in accordance with the set input method; notifying the store terminal that the guarantor information is required; after the notification, the management server acquiring the guarantor information inputted at the store terminal or the guarantor's terminal in accordance with the set input method; and correlating the information on the product or service, the personal information, and the guarantor information, and transmitting them to an examination server which performs credit examination of the purchaser and the guarantor. [Explanation of symbols]

[0098] 1: application system, 10: store terminal, 11: processor, 12: memory, 13: storage, 14: communication IF, 15: input device, 16: display device, 20: user terminal, 21: processor, 22: memory, 23: storage, 24: communication IF, 25: input device, 26: display device, 27: camera, 30: management server, 31: processor, 32: memory, 33: storage, 34: communication IF, 40: examination server, 111: setting means, 112: reception means, 113: transmission means, 114: issue means, 115: reception means, 116: update means, 117: acquisition means, 131: program, 132: status DB, 211: reception means, 212: transmission means, 231: program, 311: first acquisition means, 312: notification means, 313: second acquisition means, 314: transmission means, 331: program

Claims

1. A step of designating a method for inputting personal information, which is information on a person who wishes to purchase a product or service, and guarantor information, which is information on a guarantor of the person who wishes to purchase the product or service; a step of a management server acquiring the personal information inputted in accordance with the set input method at a store terminal managed by the provider of the product or service or at a terminal of the would-be purchaser; a step of receiving, by the store terminal, a notification that the guarantor information is required; after the notification, the management server acquires the guarantor information inputted at the store terminal or the guarantor's terminal in accordance with the set input method; a step of transmitting the information on the product or service, the customer information, and the guarantor information to an examination server that performs a credit examination on the purchaser and the guarantor; An information processing method comprising the steps of:

2. The input method includes any one of a method of inputting the customer information and the guarantor information at the store terminal and a method of inputting information or approving the input information at a user terminal, The information processing method according to claim 1 .

3. the input method is a method in which at least a part of the personal information and the guarantor information is input or approved at a terminal of the would-be purchaser and a terminal of the guarantor, respectively; The method further includes a step of transmitting, by the store terminal, a request for input of at least a part of the personal information or an approval request for the information inputted at the store terminal to a terminal of the intending purchaser, and transmitting, by the store terminal, a request for input of at least a part of the guarantor information or an approval request for the information inputted at the store terminal to a terminal of the guarantor. The information processing method according to claim 1 .

4. The store terminal receives a result of the examination on the ability to pay for the product or service from the examination server; a step of displaying information indicating the progress of the examination of the personal information and the progress of the examination of the guarantor information by the store terminal; The information processing method of claim 1 , further comprising:

5. The store terminal receives from the examination server a notification of a provisional decision on the ability to pay for the product or service; a step of storing, by the store terminal, information on the product or service, the customer information, and the guarantor information related to the notification of the provisional decision; a step of accepting, at the store terminal, a correction to information on the product or service related to the notification of the provisional decision after receiving the notification of the provisional decision; a step of said management server acquiring the corrected customer information or the corrected guarantor information inputted at said store terminal, said terminal of said purchaser, or said terminal of said guarantor in accordance with said set input method; the management server transmitting the corrected product or service information, the corrected customer information, and the corrected guarantor information to the examination server in association with each other; The information processing method according to claim 1 , further comprising:

6. The system includes at least one of a store terminal managed by a provider of a product or service, a terminal of a person who wishes to purchase the product or service, and a terminal of a guarantor of the person who wishes to purchase the product or service, and a management server; the store terminal has a means for designating a method for inputting personal information, which is information on the intended purchaser, and guarantor information, which is information on the guarantor; The management server includes: a means for acquiring the personal information inputted at the store terminal or the terminal of the intended purchaser in accordance with the set input method; a means for notifying the store terminal that the guarantor information is required; a means for acquiring the guarantor information inputted into the store terminal or the guarantor's terminal in accordance with the set input method after the notification; means for transmitting said product or service information, said customer information and said guarantor information to an examination server which performs a credit examination of said purchaser; the store terminal or the terminal of the intended purchaser has a means for transmitting the personal information inputted in accordance with the set input method to the management server; The store terminal or the guarantor terminal has a means for transmitting the guarantor information inputted according to the set input method to the management server after the notification. Information processing system.

7. A means for designating a method of inputting personal information, which is information on a person who wishes to purchase a product or service, and guarantor information, which is information on a guarantor for the said person; a means for receiving a notification from a management server that the guarantor information is required; Equipped with The personal information is input into the user's own terminal or the terminal of the would-be purchaser according to the set input method, When the management server acquires the personal information inputted on the terminal of the management server or the terminal of the purchaser, the management server issues the notification. After the notification, the guarantor information is input into the user's own terminal or the guarantor's terminal according to the set input method. Store terminal.

8. A means for acquiring personal information of the person who wishes to purchase the product or service, which is information of the person who wishes to purchase the product or service, inputted into a store terminal managed by a provider of the product or service or into a terminal of the person who wishes to purchase the product or service according to an input method set in the store terminal; a means for notifying the store terminal that guarantor information, which is information on a guarantor of the purchaser, is required; a means for acquiring the guarantor information inputted into the store terminal or the guarantor's terminal in accordance with an input method set in the store terminal after the notification; a means for transmitting the information on the product or service, the customer information, and the guarantor information to an examination server that performs a credit examination on the purchaser; A management server comprising:

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