Financial institution account information management device, control method for financial institution account information management device, and control program for financial institution account information management device

Abstract

To provide a financial institution account information management device and the like that confirm whether or not leakage has occurred in a financial institution account or the like declared by a person who desires a loan or a person subjected to credit investigation.SOLUTION: A financial institution account information management device 10 includes: a declared financial institution account information storage part 15 for storing declared financial institution account information that is financial institution account information on financial institutions declared by an object person who is a target of loans or credit investigation; the same name financial institution account information determination part 16 for determining whether or not the same name financial institution account information exists that is another financial institution account information of the same name as the object person, in remittance source information or remittance destination information of the declared financial institution account information; and an inclusion information determination part 20 for determining whether or not the declared financial institution account information contains the same name financial institution account information. When the declared financial institution account information does not contain the same name financial institution account information, the same name financial institution account information is displayed in a display part 13 as non-declared financial institution account information.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a financial institution account information management device that manages financial institution account information relating to, for example, credit investigations, loans, etc., a control method for the financial institution account information management device, and a control program for the financial institution account information management device. [Background technology]

[0002] Conventionally, those who wish to obtain loans from financial institutions or those who are undergoing credit checks have had to submit a large number of documents, etc. required for the loan screening process to the financial institutions, which has been a cumbersome process. In order to avoid the problem of loan applicants having to submit many documents for screening, a configuration has been proposed that estimates the need for business funds, etc. based on the applicant's financial institution account information and automatically determines whether the loan is possible (for example, Patent Document 1, etc.). Even in this case, so-called credit decisions regarding loans are made based on the financial institution account information of the person applying for the loan, etc., so a reliable credit decision cannot be made unless the person seeking a loan declares all of his or her financial institution accounts, etc. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6619529 Summary of the Invention [Problem to be solved by the invention]

[0004] In reality, however, those who apply for loans or those undergoing credit investigations often do not declare financial institution accounts that show a financial position unfavorable to them, making it difficult to make accurate credit decisions.

[0005] Therefore, the present invention aims to provide a financial institution account information management device, a control method for the financial institution account information management device, and a control program for the financial institution account information management device, which checks whether there are any omissions in the financial institution accounts etc. declared by persons seeking loans or persons undergoing credit investigations.

[0006] The above object, in the present invention, is achieved by a financial institution account information management device which has a reporting financial institution account information memory unit which stores reporting financial institution account information, which is financial institution account information of a financial institution reported by a subject who is at least the subject of either a loan or credit investigation, a same-name financial institution account information determination unit which determines whether or not same-name financial institution account information, which is other financial institution account information with the same name as the subject, is present in at least either the remittance source information or the remittance destination information of the reporting financial institution account information, and an inclusion information determination unit which determines whether the same-name financial institution account information is included in the reporting financial institution account information, and which is configured to display the same-name financial institution account information on a display unit as non-reported financial institution account information when the same-name financial institution account information is not included in the reporting financial institution account information.

[0007] According to the above configuration, the reporting financial institution account information (e.g., Bank B1 account, etc.) has a same-name financial institution account information judgment unit that determines whether or not there is same-name financial institution account information, which is account information of another financial institution with the same name as the subject person (e.g., Company A, etc.), in at least one of the remittance source information (e.g., remittance destination, transferee, etc.) or the remittance destination information (e.g., remittance recipient, transfer originator, etc.). Therefore, if the reported financial institution account information includes, for example, an incoming transfer from the same person as the loan applicant, the same-name financial institution account information judgment unit will determine that the same-name financial institution account is likely to be the target person's account.

[0008] Furthermore, according to the above configuration, the inclusion information determination unit determines whether the same financial institution account information is included in the reported financial institution account information. Therefore, the inclusion information determination unit determines whether the above-mentioned financial institution account under the same name is already included in the reported financial institution accounts declared by the subject person.

[0009] Furthermore, according to the above configuration, when the same-name financial institution account information is not included in the reported financial institution account information, the same-name financial institution account information is displayed on the display unit as non-reported financial institution account information. Therefore, if the financial institution account information under the same name is not included in the declared financial institution account information declared by the loan applicant, the account is determined to be undeclared financial institution account information of the subject person and is displayed on the display unit. In this way, according to the present invention, it is possible to check whether the financial institution account information declared by the subject person is complete.

[0010] Preferably, the financial institution account information management device is characterized in that it obtains at least either financial institution information or the financial institution account information of the subject other than the reported financial institution account information based on at least either public or private information regarding the subject, and displays it on the display unit.

[0011] According to the above configuration, it is possible to obtain at least the undeclared financial institution information or financial institution account information of the target person based on at least either public information (e.g., the website of an organization to which the loan applicant belongs) or private information (e.g., information from a research agency on the company profile) regarding the target person.

[0012] Preferably, the financial institution account information management device is characterized in that only when the inclusion information determination unit determines that the non-reported financial institution account information is not included, does it obtain at least either the financial institution information or the financial institution account information of the subject other than the reported financial institution account information based on at least either the public or private information, and display it on the display unit.

[0013] According to the above configuration, only when the inclusion information determination unit determines that the information does not include unreported financial institution account information, is the inclusion information and financial institution account information of the loan applicant obtained based on at least either public or private information. Generally, when undeclared account information is obtained from publicly or privately available information, the reliability of the information is low, and there is a strong desire to be cautious about presenting the results to loan applicants, if possible.

[0014] On the other hand, when it is not possible to obtain undeclared account information from the subject's reported financial institution account information, there is a strong demand to obtain some kind of account information. Therefore, in the present invention, the inclusion information determination unit is configured to meet both needs by obtaining the subject's undeclared financial institution information and account information, etc. from public information, etc. only when it determines that the information does not contain undeclared financial institution account information.

[0015] The above-mentioned object is achieved in the present invention by a financial institution account information management device which has a reporting financial institution account information memory unit which stores reporting financial institution account information, which is financial institution account information of a financial institution reported by a subject who is at least the subject of either a loan or credit investigation, and which obtains at least either financial institution information or the financial institution account information of the subject other than the reporting financial institution account information based on at least either public or private information regarding the subject, and displays it on a display unit.

[0016] Preferably, the financial institution account information management device is configured so that when it is unable to obtain at least any of the financial institution information or the financial institution account information of the subject other than the reported financial institution account information, and the same-name financial institution account information determination unit determines that same-name financial institution account information, which is other financial institution account information with the same name as the subject, exists in at least one of the remittance source information or the remittance destination information of the reported financial institution account information, the inclusion information determination unit determines whether the same-name financial institution account information is included in the reported financial institution account information, and when the same-name financial institution account information is not included in the reported financial institution account information, the same-name financial institution account information is displayed on the display unit as non-reported financial institution account information.

[0017] The above object is achieved in the present invention by a control method for a financial institution account information management device having a reporting financial institution account information memory unit that stores reporting financial institution account information, which is financial institution account information of a financial institution reported by a subject who is at least the subject of either a loan or credit investigation, wherein a same-name financial institution account information determination unit determines whether same-name financial institution account information, which is other financial institution account information with the same name as the subject, is present in at least either the remittance source information or the remittance destination information of the reporting financial institution account information, an inclusion information determination unit determines whether the same-name financial institution account information is included in the reporting financial institution account information, and when the same-name financial institution account information is not included in the reporting financial institution account information, the same-name financial institution account information is displayed on a display unit as non-reported financial institution account information.

[0018] In the present invention, the above object is achieved by a control program for the financial institution account information management device, which has a reporting financial institution account information memory unit that stores reporting financial institution account information, which is financial institution account information of a financial institution reported by a subject who is at least the subject of either a loan or credit investigation, and which has a same-name financial institution account information determination unit that determines whether same-name financial institution account information, which is other financial institution account information with the same name as the subject, is present in at least either the remittance source information or the remittance destination information of the reporting financial institution account information, an inclusion information determination unit that determines whether the same-name financial institution account information is included in the reporting financial institution account information, and when the same-name financial institution account information is not included in the reporting financial institution account information, a function of displaying the same-name financial institution account information on a display unit as non-reported financial institution account information. Effect of the Invention

[0019] As described above, the present invention has the advantage of being able to provide a financial institution account information management device, a control method for the financial institution account information management device, and a control program for the financial institution account information management device, which checks whether there are any omissions in the financial institution accounts, etc. declared by persons seeking loans or persons undergoing credit investigations. [Brief description of the drawings]

[0020] [Figure 1] 1 is a schematic diagram showing an overview of an "account information acquisition device 10" which is an embodiment of the "financial institution account information management device" of the present invention. [Diagram 2] 4 is a schematic flow chart showing an example of the operation of the "account information acquisition device 10" according to the present embodiment. [Diagram 3] 11 is another schematic flowchart showing an example of the operation of the "account information acquisition device 10" according to the present embodiment. [Figure 4] 1 is a schematic flowchart showing a process for investigating non-public information, etc. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0021] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the embodiments described below are preferred specific examples of the present invention, and therefore various technically preferable limitations are imposed thereon. However, the scope of the present invention is not limited to these embodiments unless otherwise specified in the following description to the effect that the present invention is limited thereto.

[0022] FIG. 1 is a schematic diagram showing an overview of an "account information acquisition device 10" which is an embodiment of the "financial institution account information management device" of the present invention. The account information acquisition device 10 in FIG. 1 includes a computer. The computer includes a CPU (Central Processing Unit), a RAM (Random Access Memory), A memory is a storage device that contains a hard disk, a read-only memory (ROM), and a hard disk, all of which are connected via a bus.

[0023] Also, as shown in FIG. 1, the account information acquisition device 10 has a control unit 11, which is configured to control a "communication device 12" for accessing websites (homepages) etc. via the Internet network, a display unit for displaying various information, such as a "display 13," and various information input devices 14 such as a keyboard for inputting various information.

[0024] In addition, as shown in FIG. 1, the control unit 11 also controls the "reported financial institution account information memory unit 15," "same name financial institution account information judgment unit 16," "same name financial institution account information memory unit 17," "transfer etc. judgment unit 18," "same financial institution account information memory unit 19," "first inclusion information judgment unit 20," "first non-reported financial institution account information memory unit 21," "different financial institution account information memory unit 22," "second inclusion information judgment unit 23," "second non-reported financial institution account information memory unit 24," "non-disclosed information investigation unit 25," "non-disclosed information investigation result memory unit 26," "public information investigation unit 27," and "public information investigation result memory unit 28," and the contents of these will be described later.

[0025] 2 to 4 are schematic flow charts showing an example of the operation of the "account information acquisition device 10" according to the present embodiment. In this embodiment, for example, Company A, which is a subject of at least one of a loan or credit investigation, has an account, which is financial institution account information, at a financial institution, such as a bank or credit union. Specifically, it has accounts B1 and B2 at Bank B, accounts C1 and C2 at Bank C, account E1 at Shinkin Bank E, and account F1 at Shinkin Bank F (under the former name of Company A).

[0026] In this embodiment, when Company A, which has such an account, applies for a loan from public financial institution D, the public financial institution D requests Company A to submit account information for a bank or other account in the name of Company A. In response, Company A thought that it would be sufficient to submit information about its main accounts, and only submitted account information for Account B1 at Bank B and Account C1 at Bank C.

[0027] Public financial institution D uses the "account information acquisition device 10" in FIG. 1 to investigate whether account information for Company A's financial institution exists other than account B1 at bank B and account C1 at bank C. The present embodiment will now be described in detail with reference to the above example. In this embodiment, an example will be described in which financial institution account information, etc. is investigated for loans; however, the present invention is not limited to this, and may also be applied, for example, to a case in which financial institution account information, etc. is investigated for a credit check on Company A.

[0028] First, in step (hereinafter referred to as "ST") 1 of Figure 2, a person in charge at public financial institution D inputs the account information for "Account B1 of Bank B" and "Account C1 of Bank C" submitted by Company A into "Account Information Acquisition Device 10".

[0029] The input "account information" is then stored in the "reporting financial institution account information storage unit 15" in FIG. This entered "account information" is an example of "reporting financial institution account information."

[0030] As a specific example, data such as deposits and withdrawals for each account, B1 and C1, for each date over the past five years is entered and stored. In addition, the data on deposits and withdrawals for each date includes information such as the date, withdrawal item, deposit item, amount, etc. The "withdrawal item" includes information on the remittance destination, such as the name of the remittance destination and the name of the transferee, while the "deposit item" includes information on the remittance source, such as the name of the remittance recipient and the name of the transfer source.

[0031] Next, the process proceeds to ST2. In ST2, the "same-name financial institution account information determination unit (program) 16" in Fig. 1 operates to determine whether the name or abbreviation of the loan applicant "Company A" is included in the remittance source information, such as the remittance destination name and transferee name, and the remittance destination information, such as the remittance destination name and transfer source name, in the "withdrawal items" and "deposit items" of the deposit / withdrawal data for the B1 account, etc.

[0032] Then, in ST3, if it is determined that the deposit / withdrawal data for the B1 account contains the name or abbreviation of "Company A", for example, the process proceeds to ST4. In ST4, the account name and account number of the financial institution that includes the name or abbreviation of "Company A" (e.g., account B2) are stored as "same-name financial institution account information" in the "same-name financial institution account information memory unit 17" in Figure 1.

[0033] On the other hand, if it is determined that the name or abbreviation of "Company A" is not included in the deposit / withdrawal data for B1 account, etc., the process will proceed to the "Investigation of Non-public Information, etc." process described below.

[0034] If the information is stored in the "same-name financial institution account information storage unit 17" in ST4, the process proceeds to ST5. In ST5, the "transfer, etc. determination unit (program) 18" in Fig. 1 operates to determine whether the "deposit item" or "withdrawal item" of the account number of the financial institution that contains the name or abbreviation of "Company A," which is the "same-name financial institution account information," is either "transfer" or "remittance."

[0035] If it is determined in ST5 that it is a "transfer", the process proceeds to ST6. In ST6, the transfer etc. determination unit 18 operates and determines that the account name and account number (e.g., account B2) of the financial institution containing the name etc. of Company A are the same as the account information (e.g., account B1) in which the name etc. of Company A was written as deposit / withdrawal data, and stores this in the "same financial institution account information storage unit 19" in FIG. 1.

[0036] Next, the process proceeds to ST7. In ST7, a comprehensive information determination unit, for example, the "first comprehensive information determination unit (program)" 20 in FIG. 1, operates to determine whether or not the financial institution's account, etc. (for example, B2 account) in the "same financial institution account information storage unit 19" is included in the "reporting financial institution account information" in the "reporting financial institution account information storage unit 15".

[0037] In this embodiment, since the B2 account is not included in the "declared financial institution account information," the account (B2 account) is stored as undeclared financial institution account information, for example, as "first undeclared financial institution account information," in the "first undeclared financial institution account information storage unit 21" in Figure 1.

[0038] Next, the process proceeds to ST8. In ST8, the display 13 displays, for example, the fact that "B2 Account" (account number) information of "Bank B" has been acquired as the first undeclared financial institution account information. Therefore, the person in charge who is the user of the device 10 can know that Company A has a B2 account at Bank B, and can also know other bank accounts at Bank B that Company A did not declare.

[0039] In this way, according to this embodiment, based on the information on the B1 account at Bank B, which is the reported financial institution account information of Company A, it is possible to investigate and discover whether Company A has any other undeclared accounts at the same financial institution, Bank B, and display this fact on display 13, thereby making it possible to confirm any omissions in the account information declared by Company A.

[0040] In addition, in this embodiment, if the name or abbreviation of Company A is included in the transfer destination name, transfer source name, etc. of the "withdrawal item" and "deposit item" of the deposit / withdrawal data of the declared account of Company A (such as Account B1), there is a high possibility of a transfer from Company A to Company A. Therefore, by investigating the accounts to which and from which such transfers were made, it is possible to effectively find undeclared accounts, etc. of Company A.

[0041] By the way, if it is determined in ST5 that it is not a "transfer", it is determined to be a "credit", and the process proceeds to ST9. In ST9, the transfer etc. judgment unit 18 operates and judges that the account name and account number of the financial institution containing the name etc. of Company A are an account of a "financial institution (e.g., Bank C)" different from the account information (e.g., Account B1) in which the name etc. of Company A was listed as deposit / withdrawal data, and stores this in the "different financial institution account information memory unit 22" in Figure 1.

[0042] Next, proceed to ST10, where the "second inclusion information determination unit (program) 23" in Figure 1 operates to determine whether an account of a financial institution (e.g., a C2 account) in the "foreign financial institution account information memory unit 22" is included in the "declared financial institution account information" in the "declared financial institution account information memory unit 15".

[0043] In this embodiment, the C1 account of Bank C is not included in the "declared financial institution account information." Therefore, in ST10, it is determined that it is not included, and the C1 account is stored in the "second unreported financial institution account information storage unit 24" as "second unreported financial institution account information." In addition, the bank name, etc., is searched for from the C1 account, which is the financial institution name and account number that contain the name of Company A, and is identified as, for example, Bank C.

[0044] Next, the process proceeds to ST11. In ST11, the display 13 displays a message indicating that "C2 Account" (account number) information of "C Bank" has been acquired as the second undeclared financial institution account information.

[0045] The person in charge, who is the user of the device 10, can know that Company A has Account C2 at Bank C, and can also know about other bank accounts other than Bank B that Company A did not declare.

[0046] In this way, according to this embodiment, based on the information on the B1 account at Bank B, which is the declared financial institution account information of Company A, it is possible to investigate and discover whether Company A has another undeclared account (C2 account) at a different financial institution, Bank C, and display this fact on display 13, thereby confirming any omissions in the account information declared by Company A.

[0047] In addition, in this embodiment, if the name or abbreviation of Company A is included in the name of the transferee or the name of the recipient of the transfer in the "withdrawal item" and "deposit item" of the deposit / withdrawal data of the declared account of Company A (such as Account B1), it is highly likely that the transfer is from Company A to Company A. Therefore, by investigating the accounts of the sender and receiver of such transfers, it is possible to effectively find undeclared accounts of Company A.

[0048] Meanwhile, if it is determined in ST3 that the name or abbreviation of "Company A" is not included in the deposit / withdrawal data for Account B1, etc., the process proceeds to the "non-public information, etc. investigation process." FIG. 4 is a schematic flowchart showing the process of investigating non-public information, etc. In this embodiment, ST3 is a process that is executed even if the input / output data for the B1 account, etc. does not include the name or abbreviation of "Company A," because there is a possibility that Company A has undeclared bank accounts, etc.

[0049] First, in ST21 of Figure 4, the "non-public information research unit (program) 25" of Figure 1 operates and accesses, via the Internet or the like, non-public information such as websites (homepages) that provide corporate information or corporate accounting information on a non-public (membership-based, etc.) basis, obtains financial institutions and financial institution account information with which Company A does business, and stores this in the "non-public information research result memory unit 26" of Figure 1.

[0050] Specifically, for example, information is obtained by accessing the websites of research companies (institutions) such as "cloud accounting systems" for which Company A has already registered, or corporate data banks. Then, based on information such as which banks Company A has deposit balances at and which banks it has loan balances at, it is estimated which banks have accounts in the name of "Company A."

[0051] In this embodiment, for example, information that Company A has a loan balance at E Shinkin Bank is obtained as confidential information, and from this Company A infers that it has an account at E Shinkin Bank and stores that information in the “confidential information investigation results memory unit 26.”

[0052] Next, the process proceeds to ST22, and a message is displayed on the display 13 indicating that it is possible to assume that Company A's account exists at E Shinkin Bank.

[0053] In this way, in this embodiment, even if it is not possible to obtain other undeclared account information from the B1 account at Bank B declared by Company A, it is possible to obtain financial institution information on banks etc. where Company A is likely to have accounts etc., and financial institution account information on bank accounts etc., based on non-public information, and provide this information to loan officers etc. at public financial institution D.

[0054] In this embodiment, not only the above-mentioned private information but also public information is investigated to obtain information on the possibility of the existence of banks, etc. and bank accounts, etc. with which Company A does business. Therefore, the process proceeds to ST23. In ST23, the "public information search unit (program) 27" in Fig. 1 operates to search for public information related to Company A, such as the homepages (websites) of financial institution-related companies, organizations, public institutions, etc., to obtain transaction information between Company A and financial institutions, etc., and store this in the "public information search result storage unit 28" in Fig. 1.

[0055] Specifically, searches are conducted using keywords by industry, region, attributes, etc., but more specifically, searches can be conducted by (1) company name (trade name) only, (2) company name (trade name) and corporate status, (3) company name (trade name) and area (region), (4) company name (trade name) and business type, (5) company name (trade name), area and business type, (6) company name (trade name) and representative name, etc.

[0056] In this embodiment, when searching the homepage of an organization related to financial institutions, information was obtained stating that there is a transaction with F Shinkin Bank under the former name of Company A. Therefore, it is inferred that there is a possibility that an account under Company A's former name still exists at F Shinkin Bank, and this fact is stored in the "public information search results memory unit 28."

[0057] Next, the process proceeds to ST24, and the possibility that an account under Company A's former name exists at F Shinkin Bank is displayed on display 13.

[0058] In this way, in this embodiment, even if it is not possible to obtain other account information from the B1 account of Bank B declared by Company A, it is possible to obtain financial institution information on banks etc. where Company A is likely to have accounts etc., and financial institution account information on bank accounts etc., based on public information, and provide this information to loan officers etc. at public financial institution D.

[0059] Furthermore, a loan officer at public financial institution D who has obtained information regarding undeclared bank accounts, etc. of Company A that is displayed on display 13 by device 10 through the above-mentioned process in this embodiment can present this information to Company A, encouraging self-declaration of accounts, etc. at financial institutions with which Company A does business.

[0060] In this embodiment, as described above, non-public information and public information are used to obtain account information, etc., of Company A's undeclared financial institutions. However, the present invention is not limited to this, and may also be configured to obtain financial institution account information, such as banks and bank accounts, with which Company A does business, by combining investigation results based on non-public information and public information.

[0061] For example, public information often indicates the general creditworthiness of a company, and information on financial institutions with which the company does business is generally not essential. On the other hand, non-public information mainly consists of specific credit investigations of companies, so financial institution information is essential, and in particular includes information on financial institutions that companies do not want to make public. In this way, by obtaining financial institution information from different perspectives, for example, mutual complementation is achieved, allowing a more comprehensive understanding of the entire picture of transaction financial institution information.

[0062] In this embodiment, as described above, not only is the deposit and withdrawal data of the "declared financial institution account information" of Company A's B1 account, C1 account, etc., used, but also other "public information" and "non-public information," to investigate Company A's undeclared financial institution account information, etc., for the following reasons.

[0063] The above-mentioned non-public and public information is less reliable than Company A's account information, and there is a request that the results be shown to Company A with the utmost caution, if possible. On the other hand, when it is not possible to obtain undeclared account information from the declared financial institution account information of Company A's B1 account, C1 account, etc., there is a strong demand to obtain some kind of account information. Therefore, in this embodiment, the first inclusion information determination unit 20, etc., is configured to meet the needs of both parties by obtaining undeclared account information of Company A from non-public information, public information, etc. only when it determines that the first undeclared financial institution account information, etc. is not included.

[0064] Furthermore, unlike the above-described embodiment, the present invention may be configured to first obtain information on Company A's undeclared financial institutions, etc. from non-public information or public information regarding Company A, and when information on Company A's undeclared financial institutions, etc. cannot be obtained from this non-public information or public information, information on the undeclared accounts may be obtained from Company A's "declared financial institution account information."

[0065] In the above-described embodiment, an example has been given of the case where the invention is realized as an apparatus, but the invention is not limited to this, and the invention may be distributed by storing the program on a storage medium such as a magnetic disk, an optical disk (CD-ROM, DVD, etc.), a magneto-optical disk (MO), or a semiconductor memory as a program that can be executed by a computer.

[0066] The storage medium may be any medium that can store a program and is computer readable. The storage format of the storage medium is not particularly limited.

[0067] In addition, an OS (operating system), database management software, network software, or other MW (middleware) running on a computer may execute some of the processes for realizing this embodiment based on instructions from a program installed on the computer from a storage medium.

[0068] Furthermore, the storage medium in the present invention is not limited to a medium independent of a computer, but also includes a storage medium that stores or temporarily stores a program downloaded via a LAN, the Internet, or the like.

[0069] Furthermore, the computer in the present invention only needs to execute each process in this embodiment based on a program stored in a storage medium, and may be a device consisting of a single personal computer, etc., or a system in which multiple devices are connected to a network.

[0070] In addition, the computer in this invention is not limited to a personal computer, but also includes an arithmetic processing device, a microcomputer, etc. included in information processing equipment, and is a general term for equipment or devices that can realize the functions of the present invention by a program.

[0071] The above describes the embodiments of the present invention. However, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the scope of the claims. The configurations of the above embodiments can be partially omitted or arbitrarily combined in a manner different from the above. [Explanation of symbols]

[0072] 10...account information acquisition device, 11...control unit, 12...communication device, 13...display, 14...various information input device, 15...declared financial institution account information storage unit, 16...same-name financial institution account information determination unit, 17...same-name financial institution account information storage unit, 18...transfer etc. determination unit, 19...same financial institution account information storage unit, 20...first inclusion information determination unit, 21...first undeclared financial institution account information storage unit, 22...different financial institution account information storage unit, 23...second inclusion information determination unit, 24...second undeclared financial institution account information storage unit, 25...non-public information investigation unit, 26...non-public information investigation result storage unit, 27...public information investigation unit, 28...public information investigation result storage unit

Claims

1. a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least the subject of either a loan or a credit investigation; a same-name financial institution account information determination unit that determines whether or not there is same-name financial institution account information, which is account information of another financial institution under the same name as the subject, in at least one of the remittance source information or the remittance destination information of the reporting financial institution account information; an inclusion information determination unit that determines whether the same-name financial institution account information is included in the reported financial institution account information; A financial institution account information management device characterized in that, when the same-name financial institution account information is not included in the reported financial institution account information, the same-name financial institution account information is displayed on a display unit as non-reported financial institution account information.

2. The financial institution account information management device described in claim 1, characterized in that based on at least either public or private information regarding the subject, at least either financial institution information or the financial institution account information of the subject other than the reporting financial institution account information is obtained and displayed on the display unit.

3. The financial institution account information management device described in claim 2, characterized in that only when the inclusion information determination unit determines that the non-reported financial institution account information is not included, does it obtain at least either the financial institution information or the financial institution account information of the subject other than the reported financial institution account information based on at least either the public or private information, and display it on the display unit.

4. a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least the subject of either a loan or a credit investigation; A financial institution account information management device characterized by obtaining at least either financial institution information or the financial institution account information of the subject other than the reporting financial institution account information based on at least either public or private information regarding the subject, and displaying it on a display unit.

5. When it is not possible to obtain at least any of the financial institution information or financial institution account information of the subject other than the reporting financial institution account information, When the same-name financial institution account information determination unit determines that there is another financial institution account information with the same name as the subject in at least one of the remittance source information or the remittance destination information of the reported financial institution account information, The inclusion information determination unit determines whether the same-name financial institution account information is included in the reported financial institution account information; The financial institution account information management device described in claim 4 is configured to display the same name financial institution account information on a display unit as non-declared financial institution account information when the same name financial institution account information is not included in the declared financial institution account information.

6. A method for controlling a financial institution account information management device having a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least a subject of either a loan or a credit investigation, comprising: The same-name financial institution account information determination unit determines whether or not there is another financial institution account information with the same name as the subject person in at least one of the remittance source information or the remittance destination information of the reported financial institution account information, The inclusion information determination unit determines whether the same-name financial institution account information is included in the reported financial institution account information; A control method for a financial institution account information management device, characterized in that when the same-name financial institution account information is not included in the reported financial institution account information, the same-name financial institution account information is displayed on a display unit as non-reported financial institution account information.

7. a financial institution account information management device having a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by subjects who are at least the subjects of either a loan or a credit investigation; A function in which the same-name financial institution account information determination unit determines whether or not there is another financial institution account information under the same name as the subject person in at least either the remittance source information or the remittance destination information of the reported financial institution account information; The inclusion information determination unit has a function of determining whether the same-name financial institution account information is included in the reported financial institution account information; A control program for a financial institution account information management device that realizes the function of displaying the same-name financial institution account information on a display unit as non-declared financial institution account information when the same-name financial institution account information is not included in the declared financial institution account information.

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