Inheritance procedure support system

Abstract

To support a successor 34 to perform financial asset processing procedures and response operations to a financial institution, which accompany inheritance procedures.SOLUTION: A support site 12 is connected to the successor 34 and financial institutions through a network 20. An information input accepting unit 22 accepts input of information including ancestor information 221 and successor information 222. An authentication processing unit 23 stores identity confirmation information of an input person. A procedure information notification unit 24 notifies the successor 34 of information including all necessary procedure names, procedure document names, and certificate names. A procedure document generation unit 26 automatically generates a procedure document 261 required by a corresponding financial institution. A dispatch processing unit 28 performs dispatch preparation processing for the corresponding document. Data indicating a family register copy 36 and a procedure background 38 is stored in a shared database 32 so that the corresponding financial institution and the successor 34 can refer to or download the data.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a system for supporting inheritance procedures by financial institutions and heirs. [Background technology]

[0002] It is said that the average person who does not run a business has around three bank accounts. When an inheritance occurs, succession procedures must be completed, such as checking the status of deposits at all banks where an account is held, freezing and canceling the accounts. To assist with such succession procedures, a system has been introduced that allows users to check the status of financial assets over the Internet (Patent Document 1). Also, a system has been introduced that uses the Internet to assist with the succession and renunciation procedures for inherited assets (Patent Document 2). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2006-228180 A [Patent Document 2] JP 2016-045604 A Summary of the Invention [Problem to be solved by the invention]

[0004] The known prior art has the following problems to be solved. In recent years, there has been a trend toward an increase in inheritance procedures, but financial institutions are facing a problem of a shortage of personnel with the specialized knowledge to handle this, as well as a shortage of successors. Only major financial institutions can secure sufficient personnel, and it is difficult for multiple financial institutions to share the work of multiple financial institutions. Even with support systems such as those described in the cited documents, heirs must individually visit multiple banks where they have accounts to complete the procedures, which places a heavy burden in terms of time and procedures. The present invention has been made with the above points in mind. [Means for solving the problem]

[0005] The following configurations are each a means for solving the above problems.

[0006] <Configuration 1> A system for supporting financial asset processing procedures associated with inheritance procedures for heirs and corresponding operations of financial institutions, The support site is connected to the heir's terminal and the financial institution's terminal via a network, an information input receiving unit that receives input of information including a list of all financial institutions from which the heir requests the disposal of financial assets, decedent information for identifying the decedent, and heir information for identifying the heir; an authentication processing unit that, in addition to receiving the above-mentioned information input, uses an authentication authority to perform an identity verification process for the person who inputs the information and stores the identity verification information; a procedure information notification unit that acquires information indicating the procedures required for an heir to request the disposal of financial assets for each financial institution included in the list of financial institutions, and notifies the heir of information including all applicable procedure names, procedural document names, and certificate names required for the procedures; a procedure document generation unit that automatically generates procedure documents required by the relevant financial institution using the information input through the information input reception unit and the information notified by the procedure information notification unit; an official certification processing unit that acquires data equivalent to a certified copy of a family register of an heir and related parties via a network, or requests the heir to return an identification document equivalent to the certified copy of a family register, and generates and stores the certified copy of a family register data; An inheritance procedure support system characterized by comprising a shared database that stores the above-mentioned family register copy data, automatically generated procedural documents, and data showing the process of the procedure in a state that can be referenced or downloaded by the relevant financial institutions and heirs.

[0007] <Configuration 2> The inheritance procedure support system described in configuration 1 is characterized in that the authentication processing unit displays agreement-related documents requiring the agreement of the heir's related parties, executes a process to seek the agreement of each related party by accessing the related parties through the above-mentioned network, and provides a dedicated agreement site where the resulting agreement data is stored together with the above-mentioned agreement-related documents.

[0008] <Configuration 3> In order to support the heirs in the financial asset disposal procedures associated with the inheritance procedures and the corresponding operations of financial institutions, Through a support site connected via a network to the heir's terminal and the financial institution's terminal, Accept input of information including a list of all financial institutions from which the heirs are seeking to dispose of financial assets, decedent information to identify the decedent, and heir information to identify the heirs; When the information input is received, an authentication authority is used to perform an identity verification process for the person inputting the information, and the identity verification information is stored in a storage device. Obtain information indicating the procedures required for an heir to request the disposal of financial assets for each financial institution included in the list of financial institutions, and notify the heir of the information, including the names of all applicable procedures, the names of procedural documents, and the names of certificates required for the procedures; Using the information input through the information input reception unit and the information notified through the procedure information notification unit, the procedure documents required by the relevant financial institution are automatically generated, Obtaining data equivalent to the family register of the heirs and related parties via a network, or requesting the heirs to return identification documents equivalent to the family register, generating and storing the family register data, An inheritance procedure support method characterized by providing a shared database that stores the above-mentioned family register data, automatically generated procedural documents, and data showing the process of the procedure so that the relevant financial institutions and the heirs can refer to or download the data.

[0009] <Configuration 4> A computer program for supporting inheritance procedures, which causes a computer operating the site described in configuration 1 to function as an information input reception unit, an authentication processing unit, a procedural information notification unit, a procedural document generation unit, and an official certification processing unit described in configuration 1. Effect of the Invention

[0010] It can act as a neutral coordinator between heirs and financial institutions, enable the joint operation of banking services related to inheritance, and provide a joint procedure reception service for heirs. It can reduce the burden on heirs by eliminating the need for heirs and other related parties to sign and seal the documents, and automatically generate related documents to be submitted as much as possible. If the environmental conditions are right, in principle there will be no need to exchange documents between heirs and financial institutions, and procedures can be completed within the support site. [Brief description of the drawings]

[0011] [Figure 1] FIG. 2 is a block diagram illustrating a support site of the system of the present invention. [Diagram 2] 5 is an explanatory diagram of the operation of an information input receiving unit; FIG. [Diagram 3] 13 is an explanatory diagram of the operation of a procedure information notification unit. [Figure 4] FIG. 13 is an explanatory diagram of the operation of the procedural document generation unit. [Diagram 5] 13 is an explanatory diagram of the operation of the delivery processing unit and a shared database. [Figure 6] FIG. 13 is an explanatory diagram of a dedicated agreement site for seeking agreement from the parties involved. [Figure 7] 13 is a flowchart of a processing operation at an agreement-only site. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] Hereinafter, the embodiment of the present invention will be described in detail with reference to each example. EXAMPLES

[0013] This system supports the procedures of heirs and financial institutions when heirs go through procedures such as freezing or canceling financial assets deposited with financial institutions and receiving refunds of deposits as part of inheritance procedures. Financial assets include insurance policies in addition to deposits. Financial institutions are banks and other institutions.

[0014] (Support site) Even if there are multiple financial institutions where procedures must be completed, the system supports the heir to complete the procedures without visiting the financial institutions, except in special cases. To this end, the support site 12 operated by this system is able to connect to the heir's terminal 14 and the financial institution's terminal 16 via a network 20, as shown in Figure 1. The heir's terminal 14 is a smartphone, personal computer, etc. It is desirable for the financial institution's terminal 16 to be a dedicated terminal for using this system that is separated from the financial institution's internal system, for example.

[0015] 1, this support site 12 is provided with an information input reception unit 22, an authentication processing unit 23, a procedure information notification unit 24, a procedure document generation unit 26, a shipping processing unit 28, and an official certification processing unit 30. All of these are computer program modules that are activated by the heir's terminal 14 or the like via the network 20 to execute predetermined processes.

[0016] (Enter information) First, the heir operates the heir's terminal 14 to start the information input reception unit 22 of the support site 12. This causes a window like that shown in Fig. 2 to be displayed. The heir operates these windows to input information including decedent information 221 for identifying the decedent, heir information 222 for identifying the heir, and the name of the financial institution 223 that holds the relevant financial assets that require procedures.

[0017] The information input reception unit 22 stores the input information in the storage device 13, for example, by attaching a specified case name to the information. At the same time as inputting this information, the heir performs authentication processing, for example, online, to verify his / her identity. Even if there are multiple legal heirs, the representative usually applies for the procedure. The information input by the representative is the basis for subsequent processing, so the representative's identity is verified at the same time as the information is input.

[0018] It is advisable to use a third-party authentication agency 18 (Fig. 1) for this authentication process. After necessary information is exchanged between the heir's terminal 14 and the authentication agency 18, the authentication processing unit 23 (Fig. 2) of the support site 12 stores the result in the storage device 13 as applicant identity verification information 231. Various third-party agencies or public institutions may be used as the authentication agency. It is sufficient that the identity verification information is valid only for the inheritance procedure for which this application has been made.

[0019] (Notification of procedural information) 3, the procedure information notification unit 24 refers to the financial institution name 223 (FIG. 1) stored in the storage device 13, connects to the terminal 16 of the relevant financial institution, and obtains the latest information indicating the procedures required for the heir to handle the financial assets. In this way, the procedure information is written, for example, to the financial institution database 17 stored in the storage device 13.

[0020] Then, referring to the financial institution database 17, procedure information 240 indicating all applicable procedure names 241, procedure document names 242, and certificate names 243 required for the procedures is stored in the storage device 13. It is advisable to include not only the names of documents but also the types of documents and how to obtain them. Note that this system does not require signatures or seals. Certificates include, for example, certified copies of family registers that are required to be submitted by representatives and related parties.

[0021] This procedure information 240 may, for example, distinguish between procedures common to all applicable financial institutions and procedures unique to any one of the financial institutions. This procedure information 240 is notified to the heirs. This provides the heirs with peace of mind knowing that all they need to do is follow the procedures notified here. This notification also allows the financial institutions to proceed with the proper procedures, greatly reducing the administrative burden.

[0022] The notification sent from the support site 12 to the heir's terminal 14 and the financial institution's terminal 16 may be the information itself, or only link information such as a URL that can be accessed in the storage device 13 that stores the information. Depending on the type of information, it may be possible to permit only reference, or to allow downloading.

[0023] (Generating procedural documents) As shown in Fig. 4, the procedural document generation unit 26 uses the decedent information 221, heir information 222, and procedural information 240 stored in the storage device 13 to automatically generate procedural documents 261 required by all applicable financial institutions. These are also stored in the storage device 13. This process makes it almost unnecessary for the heir to fill in the necessary information on various procedural documents, automating the process. This significantly reduces the most cumbersome task for the heir.

[0024] Furthermore, the official certification processing unit 30 generates a correlation diagram 302 between the heirs and related parties, for example, by using information recorded in a certified family register submitted by the heir. Furthermore, the certified family register data 301 obtained by scanning the certified family register is stored in the storage device 13. The correlation diagram 302 is used to confirm the inheritance relationships. The certified family register data 301 is made available for reference by financial institutions, making it possible to omit the need to send the original certified family register. If the certified family register data 301 issued by a public institution can be obtained via a network, it is advisable to store it as is.

[0025] As shown in Fig. 5, the delivery processing unit 28 reads the address and other information from 222 stored in the storage device 13, and prints out envelopes 281 for sending and return, and a shipping label 282 on 280. The shipping label 282 should indicate the number of copies of the certified copy of the family register, etc. to be mailed to the heir, and how to order them. As already explained using Fig. 4, when the certified copy of the family register 36 is submitted by the heir 34, the official certification processing unit 30 scans it and generates certified copy of the family register data 301.

[0026] (Shared Database) The procedural documents 261 generated by the procedural document generation unit 26 and the family register copy data 301 generated by the official certification processing unit 30 are stored in the storage device 13 together with the procedural history 38. The procedural history 38 is information indicating how far the necessary procedures have progressed, what procedures remain, etc. This information is stored so that it can be referenced or downloaded from the terminal 16 of the relevant financial institution and the terminal 14 of the heir. This is the shared database 32. It may be provided separately and independently for each financial institution.

[0027] (Consent of the parties involved) FIG. 6 shows the agreement dedicated site 40 for requesting the agreement of the parties involved. When there are many parties involved, such as heirs, those who delegate the inheritance procedures, and those who renounce the inheritance, it becomes cumbersome to collect the identity verification documents of all the parties and request their signatures and seals. Therefore, as explained using FIG. 1, the representative of the heirs completes the identity verification process when inputting data for the first time. It is recommended that a list of the parties involved be entered at that time. The authentication processing unit 23 generates the agreement dedicated site 40 and the party list 42. It is recommended that the representative of the heirs can add to the list of the parties involved if necessary at a later date. The identity verification of each party can be performed individually by the parties involved at the time of the agreement process using the agreement dedicated site 40.

[0028] This agreement-only site 40 further stores agreement-related documents 44, agreement data 423, and an agreement request screen 424, for which it is necessary to seek the agreement of the parties concerned. The agreement-related documents 44 are intended to allow the parties concerned seeking agreement to confirm the contents and obtain their agreement. The parties concerned seeking agreement are notified in advance of an authentication code 422 showing a dedicated link to the site.

[0029] The authentication code 422 may be included in the procedural document 261 generated by the procedural document generation unit 26, or may be notified to the related parties by the representative of the heirs via email, etc. In the related party list 42, the related party names 421 and the authentication code 422 are stored for the matching process by the authentication processing unit 23.

[0030] Here, the operation of the authentication processing unit 23 will be described with reference to the flowchart of Fig. 7. First, in step S11, when the related party accesses the link specified by the authentication code 422, the agreement-related documents 44 are displayed on the related party's terminal 46 in step S12. After reading the agreement-related documents, in step S13, the related party clicks the button marked "Next", and an agreement request screen 424 pops up. In step S15, when the related party clicks the button marked "Agree", the screen transitions to an identity verification processing screen in step S16, and similar to the identity verification processing performed by the representative, the related party also performs identity verification processing using the authentication agency. In step S17, agreement data 423 indicating the agreed-upon agreement-related documents 44 and related party identity verification information 425 (Fig. 6) are generated and stored in the agreement-only site 40.

[0031] (Paperless) When documents such as resident registration cards and family registers can be downloaded from public institutions over the network, a shared database can be generated by data communication alone, with access from heirs and related parties, without the need to exchange printed documents. Financial institutions can receive notifications from the support site, check the relevant documents in the shared database, and immediately transfer funds to designated savings accounts. [Explanation of symbols]

[0032] 12 Support Sites 13 Storage device 14. Heir's device 16 Financial institution terminals 17 Financial Institutions Database 18 Certification Bodies 20 Network 22 Information input reception section 221 Decedent information 222 Heir Information 223 Financial Institution Name 23 Authentication processing section 231 Personal Identification Information 24 Procedural Information Notification Department 240 Procedural Information 241 Procedure Name 242 Name of procedure document 243 Certificate Name 26 Procedural Document Generation Department 261 Procedural documents 28 Shipping Department 280 Printer 281 Envelope 282 Waybill 30. Public Certification Processing Department 301 Family register data 302 Relationship diagram 32 Shared Database 34 Heir 36 Family register 38 Procedural History 40 Agreement-only site 42 List of Interest 421 Name of person involved 422 Authentication Code 423 Agreement Data 424 Agreement request screen 425 Related Party Identification Information 44 Agreement Documents 46 Terminals of related parties

Claims

1. A system for supporting financial asset processing procedures associated with inheritance procedures for heirs and corresponding operations of financial institutions, The support site is connected to the heir's terminal and the financial institution's terminal via a network, an information input receiving unit that receives input of information including a list of all financial institutions from which the heir requests the disposal of financial assets, decedent information for identifying the decedent, and heir information for identifying the heir; an authentication processing unit that, in addition to receiving the above-mentioned information input, uses an authentication authority to perform an identity verification process for the person who inputs the information and stores the identity verification information; a procedure information notification unit that acquires information indicating the procedures required for an heir to request the disposal of financial assets for each financial institution included in the list of financial institutions, and notifies the heir of information including all applicable procedure names, procedural document names, and certificate names required for the procedures; a procedure document generation unit that automatically generates procedure documents required by the relevant financial institution using the information input through the information input reception unit and the information notified by the procedure information notification unit; an official certification processing unit that acquires data equivalent to a certified copy of a family register of an heir and related parties via a network, or requests the heir to return an identification document equivalent to the certified copy of a family register, and generates and stores the certified copy of a family register data; An inheritance procedure support system characterized by comprising a shared database that stores the above-mentioned family register copy data, automatically generated procedural documents, and data showing the process of the procedure in a state that can be referenced or downloaded by the relevant financial institutions and heirs.

2. The inheritance procedure support system described in claim 1, characterized in that the authentication processing unit displays agreement-related documents requiring the agreement of the heir's related parties, executes a process to seek the agreement of each related party upon access by the related parties through the network, and provides a dedicated agreement site on which the resulting agreement data is stored together with the agreement-related documents.

3. In order to support the heirs in the financial asset disposal procedures associated with the inheritance procedures and the corresponding operations of financial institutions, Through a support site connected via a network to the heir's terminal and the financial institution's terminal, Accept input of information including a list of all financial institutions from which the heirs are seeking to dispose of financial assets, decedent information to identify the decedent, and heir information to identify the heirs; When the information input is received, an authentication authority is used to perform an identity verification process for the person inputting the information, and the identity verification information is stored in a storage device. Obtain information indicating the procedures required for an heir to request the disposal of financial assets for each financial institution included in the list of financial institutions, and notify the heir of the information, including the names of all applicable procedures, the names of procedural documents, and the names of certificates required for the procedures; Using the information input through the information input reception unit and the information notified through the procedure information notification unit, the procedure documents required by the relevant financial institution are automatically generated, Obtaining data equivalent to the family register of the heirs and related parties via a network, or requesting the heirs to return identification documents equivalent to the family register, generating and storing the family register data, This method of supporting inheritance procedures is characterized by providing a shared database that stores the above-mentioned family register data, automatically generated procedural documents, and data showing the process of the procedures in a state that can be referenced or downloaded by the relevant financial institutions and the heirs.

4. A computer program for supporting inheritance procedures, which causes a computer operating the site described in claim 1 to function as the information input acceptance unit, authentication processing unit, procedural information notification unit, procedural document generation unit, and official certification processing unit described in claim 1.

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