Loan intermediary system

Abstract

To provide a loan intermediary system improving convenience for borrowing applicants and simplifying operation and processing on a financial institution side.SOLUTION: An intermediary server in a loan intermediary system includes: a borrowing application receiving part for receiving input of application information including attribute information and borrowing request information from a loan applicant; a financial institution information storage part for storing plan information regarding a loan lending plan for every financial institution; a financial institution selection part for generating a list of financial institutions that provide application information from the application information and the plan information; an application information provision part for causing a terminal of a financial institution to display a list of a plurality of pieces of application information along with score information based on the attribute information of the borrowing applicant; an offer selection receiving part for receiving from financial institutions, selection of application information to make an offer from among the plurality of pieces of application information as well as the selection of plan information; and an offer notification part for, when the selection of the offer is received, notifying the borrowing applicant of the information of the financial institution and the plan information.SELECTED DRAWING: Figure 4

Description

[Technical field]

[0001] The present invention relates to a loan brokerage system. [Background technology]

[0002] In recent years, a service has been proposed that allows loan applications to be sent to multiple financial institutions at once. It has been done.

[0003] Patent Document 1 discloses a method for converting application information input by a user into a number of loan providers. The user's information is automatically converted and entered into each information input form of the service provider. An information input system is disclosed. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent No. 6175582 Summary of the Invention [Problem to be solved by the invention]

[0005] The above technology uses existing input forms for each financial institution, so Considering the convenience of the financial institution, the processing after the application information is sent to the financial institution It was not a system that could be implemented.

[0006] Therefore, the present invention provides a loan brokerage system that is convenient not only for borrowers but also for financial institutions. One object of the present invention is to provide an intervention system. [Means for solving the problem]

[0007] According to the present invention, a loan intermediation system that mediates between a loan applicant and a financial institution is provided. and receiving application information including attribute information and loan request information from the loan applicant. a loan application acceptance section for receiving the loan application, and a section for recording plan information regarding the loan plan for each of the financial institutions. a financial institution information storage unit for storing the application information and the plan information; A financial institution selection unit that generates a list of financial institutions to be used for the transaction, and a terminal of the financial institution that displays a plurality of pre-payments. The application information is displayed in a list together with a score based on the attribute information of the borrower. an information display unit, and receiving, from the financial institution, application information for making an offer from among the plurality of application information; an offer selection receiving unit that receives a selection of a plan; and an offer notification unit that notifies the borrower of information about the financial institution and plan information. This will result in a loan intermediation system that can Effect of the Invention

[0008] According to the present invention, not only is the convenience for borrowers improved, but the financial institutions' Operation and processing can also be simplified. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram showing an overview of a system according to an embodiment of the present invention. [Diagram 2] FIG. 1 is a diagram showing a configuration of a system according to an embodiment of the present invention. [Diagram 3] 1 is a hardware configuration diagram of a mediation server 1 according to an embodiment of the present invention. [Figure 4] 2 is a software configuration diagram of the intermediation server 1 according to the embodiment of the present invention. FIG. [Diagram 5] 4 is a diagram illustrating an example of the configuration of application information according to an embodiment of the present invention. [Figure 6] 4 is a diagram illustrating an example of a configuration of transmission information according to an embodiment of the present invention. [Figure 7]4 is a diagram showing an example of the configuration of financial institution information according to an embodiment of the present invention. [Figure 8] 4 is a configuration example of score information according to an embodiment of the present invention. [Figure 9] 4 is a configuration example of loan applicant information according to an embodiment of the present invention. [Figure 10] 3 is a software configuration diagram of a financial institution terminal according to an embodiment of the present invention. [Figure 11] 4 is a screen display example of a financial institution terminal according to an embodiment of the present invention. [Figure 12] 4 is a screen display example of a financial institution terminal according to an embodiment of the present invention. [Figure 13] 4 is a screen display example of a financial institution terminal according to an embodiment of the present invention. [Figure 14] FIG. 2 is a flow diagram according to an embodiment of the present invention. [Figure 15] 2 is a diagram illustrating an example of a configuration of solution information according to an embodiment of the present invention. [Figure 16] 4 is a screen display example of a financial institution terminal according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] The present invention will be described below with reference to the preferred embodiments. [Item 1] A loan intermediation system that acts as an intermediary between a loan applicant and a financial institution, Accepting input of application information including attribute information and loan request information from the loan applicant A loan application reception unit for the Conditions for accepting the application information for each of the financial institutions and plan information regarding loan plans A financial institution information storage unit that stores the A list of financial institutions that provide the application information is generated based on the application information and the acceptance conditions. Financial Institution Selection Department, A plurality of pieces of application information are displayed on the terminal of the financial institution based on the attribute information of the borrower. An application information display section that displays a list of the application information together with the score; The financial institution provides the application information for making an offer and the loan an offer selection receiving unit that receives a loan plan selection and transmits it to a server; When the selection of the offer is accepted, the information of the financial institution and the plan information are and an offer notification unit for notifying a borrower of the offer. [Item 2] For each attribute of the borrower, the offer rate, loan establishment rate, repayment period, and full repayment rate are calculated. a score material information acquisition unit for acquiring at least one score material information; Based on the score material information, the score based on attribute information is determined for each application information. The loan intermediation system according to item 1, further comprising a score calculation unit for determining the score. Tem. [Item 3] The score material information acquisition unit acquires household account book information regarding household income and household expenditure for each attribute. 3. The loan intermediation system according to claim 2, characterized in that the loan intermediation system acquires information. [Item 4] The application information display unit displays at least one of the attribute information, the loan request information, and the score. Accept input of a filtering condition for an item included in any of the items, and select the item that matches the filtering condition. Display only application information, The offer selection receiving unit receives selection of the narrowed down application information collectively. The present invention is characterized in that the information can be transmitted to the server in a format described in any one of items 1 to 3. Loan brokerage system. [Item 5] The application information is compared with the plan information stored in the financial institution information storage unit, and The system further comprises a plan proposal unit that proposes the loan plan that can be used. 5. The loan intermediation system according to any one of items 1 to 4. [Item 6] The employment agency provides information on employment opportunities to borrowers who meet a certain score or higher. The system further comprises a labor acceptance information providing unit. 6. A loan intermediation system according to any one of items 1 to 5.

[0011] <Details of the embodiment> Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

[0012] FIG. 1 is a diagram showing an overview of a loan intermediation system according to an embodiment of the present invention. The applicant 2 accesses the intermediary server 1 of the loan intermediation system and inputs the information required for borrowing. The intermediary server 1 provides the application information to a plurality of financial institutions 3 (S14). The person in charge at Financial Institution 3 browses the list of application information, selects the application information to be offered, and mediates The intermediary server 1 sends the content of the offer to the borrower 2 (S15). After receiving the offer, the borrower 2 individually contacts the financial institution 3 (S16). You can then complete the application process and receive the loan.

[0013] According to the loan intermediation system of the present invention, a borrower 2 inputs the necessary information for a loan application once. By simply entering your name, you can make provisional applications to multiple financial institutions. Seki 3 allows users to view multiple application information at a glance, and easily select application information that matches their company's requirements. You can easily select and send an offer.

[0014] FIG. 2 is a diagram showing the configuration of the loan intermediation system of the present invention. The system performs information processing via communication with the client terminal 20 and the financial institution terminal 30. It forms part of the system.

[0015] The intermediation server 1, the borrower terminal 20, and the financial institution terminal 30 according to this embodiment are shown in FIG. The hardware configuration is as follows. Note that the following configuration is an example, and other configurations may be used. As shown in FIG. 3, the intermediation server 1 may include, for example, a workstation. It may be a general-purpose computer such as a personal computer or a cloud service. It may be logically realized by computing.

[0016] The intermediation server 1 includes at least a control unit 10, a memory 11, a storage 12, a transmission / reception unit 1 3, an input / output unit 14, etc., which are electrically connected to each other via a bus 15.

[0017] The control unit 10 controls the overall operation of the intermediation server 1 and controls the transmission and reception of data between each element. It is a computing device that performs control and information processing required for executing applications. The control unit 10 is a CPU (Central Processing Unit) and The program stored in the page 12 and deployed in the memory 11 is executed to perform various information processing. do.

[0018] Memory 11 is a Dynamic Random Access Memory (DRAM). The main memory is made up of volatile storage devices such as flash memory and HDD (Hard Disk Drive). and auxiliary storage configured with non-volatile storage devices such as a hard disk drive. 11 is used as a work area for the control unit 10 and is executed when the intermediation server 1 is started. The BIOS (Basic Input / Output System) that is executed, and Stores various setting information, etc.

[0019] The storage 12 stores various programs such as application programs. A database storing data used in the processing may be constructed in the storage 12. stomach.

[0020] The transmitting / receiving unit 13 connects the intermediation server 1 to the network 4. The transmitting / receiving unit 13 Bluetooth (registered trademark) and BLE (Bluetooth Low Energy y) a short-range communication interface.

[0021] The input / output unit 14 includes information input devices such as a keyboard and a mouse that are used as needed, An output device such as a display.

[0022] A bus 15 is commonly connected to each of the above elements, and transmits, for example, address signals, data signals, and The control signal is transmitted.

[0023] The borrower terminal 20 and the financial institution terminal 30 may also have the same hardware configuration. .

[0024] FIG. 4 is a block diagram showing the software configuration of the intermediation server 1. The intermediation server 1 includes: Application information storage unit 111, transmission information storage unit 112, financial institution information storage unit 113, score determination Information storage unit 114, loan applicant information storage unit 115, loan application acceptance unit 120, financial institution selection 121, application information providing unit 122, offer receiving unit 123, offer notification unit 124, score It is equipped with a materials information acquisition unit 125, a score calculation unit 126, and an employment acceptance information provision unit 127.

[0025] The application information storage unit 111 stores the application information input by the borrower 2. 1 is a configuration example of application information stored in the application information storage unit 111. The application information is Basic information of the user such as user ID and email address, annual income, age, cohabiting family members, and marital status Attribute information such as whether or not you have a spouse, place of residence (prefecture, etc.), occupation, years of service, number of loans, rent, etc. The user's request may include information about the amount of the loan, the purpose of the loan, and the date of the loan. The basic information is an email address where notifications can be sent to the user, and no name or address is required. It is also possible not to acquire information that identifies an individual, such as the place of application. The company that operates the business using the intermediation server 1 obtains the information from the guarantee company, and the company mediates the information. The information on the credit input to the server 1 may also be stored. The information includes the name of the guarantor, whether the guarantee is available, and the amount that can be guaranteed. The intermediary server 1 presents an input form to the guarantor company and accepts the input information. You may also memorize it.

[0026] The transmission information storage unit 112 actually transmits the application information entered by the borrower 2 to the financial institution. 6 shows the transmission information stored in the transmission information storage unit 112. The transmission information is linked to the application ID and the application acceptance date and sent to each financial institution 3. The ID, financial institution ID, and date of sending are included. In addition, when the offer is received from financial institution 3 at a later date, In this case, information such as the date of receipt of the offer and plan information of the offer is additionally stored.

[0027] The financial institution information storage unit 113 stores information for each financial institution 3. 1 is a configuration example of financial institution information stored in the information storage unit 113. The financial institution's name, URL, and other basic information are linked to the relevant ID, and the Includes plan information. Plan information is linked to the plan ID, plan name, target usage, etc. The system stores detailed information about each plan, such as the purpose and loan conditions for each plan. The website of the financial institution3 that contains the information or the application form This includes URL information, etc. In addition, if there are restrictions on the supported areas, information about the supported areas, As described below, the conditions for excluding the provision of application information (conditions for accepting application information) are also registered. It can be recorded.

[0028] The score determination information storage unit 114 stores a score for calculating the score for each attribute of the borrower 2. Stores core decision information. A score is a measure of creditworthiness related to borrowing and repayment. For example, you can set five levels from A to E, but how to set the fineness of the score and the expression, etc. However, the score in the present invention is not limited to this. It also considers trends based on the attributes of borrowers 2, such as their gender, occupation, residence, annual income, and age. The reliability may be calculated by calculating the reliability of the score determination information stored in the score determination information storage unit 114. This is an example of the score determination information. For example, attributes (annual income, age, cohabiting family, marital status, residence (Prefecture, etc., occupation, years of employment, number of loans, rent, etc.) The degree of influence (influence points) that affects the core calculation is stored. For example, If the occupation is civil servant and the trustworthiness tends to be high, the impact on the score will be positive points. On the other hand, part-time work will have a negative impact on the score. The points that influence these scores are past offer rates, success rates, repayment periods, full repayment rates, etc. It can be determined by any algorithm based on the data and updated from time to time. Figure 8 only shows the table of occupation and annual income, but similar influence points are observed for other attributes. In addition, the bottom table in Figure 8 shows the following for a borrower 2: The total score is calculated by adding up the points that influence the score for each attribute. This defines the relationship with the core. In other words, if your occupation is a civil servant and your annual income is 3.5 million yen... If there is a borrower with the following influence points, the influence points will be +5+1... The points are then added up and a score can be determined based on the table at the bottom.

[0029] The borrower information storage unit 115 stores information for each borrower. 1 is a configuration example of borrower information stored in the borrower information storage unit. Basic information of the borrower, such as annual income and age, and the schedule determined from the attribute information The core can store past application information (application ID, etc.).

[0030] The solution information storage unit 116 stores information on the issues that must be resolved in order to obtain a loan. FIG. 15 shows an example of the configuration of solution information stored in the solution information storage unit 116. It is possible to memorize solutions in association with the exclusion conditions that caused the problem.

[0031] The loan application receiving unit 120 receives loan application information input from the loan applicant 2. The user 2 accesses the intermediary server 1 and logs in with the registered ID as necessary. The information to be entered is shown in Figure 5. You can have the applicant enter the information by selecting from pre-defined options, or you can The loan application acceptance unit 120 may also accept the loan application information as a free input. Upon receipt of the application, we will provide the guarantor with all or part of the loan application information. This will allow the guarantor to begin reviewing whether or not to provide a guarantee and the amount that can be guaranteed. Furthermore, the loan application acceptance unit 120 presents an input form, etc. to the guarantor company. Information regarding the results of the examination may then be accepted and stored in the application information storage unit 111 .

[0032] The financial institution selection unit 121 actually selects a financial institution 3 based on the application information entered by the borrower 2. Select what to offer. First, get an offer from financial institution 3 from the application information. A first selection is made to eliminate the less likely candidates. The first selection is made based on, for example, annual income and debt. In relation to the amount of borrowing desired, methods such as eliminating those whose borrowing amount is too high compared to their annual income are adopted. This may include, but is not limited to, the following: The application information that has been judged is not provided to the financial institution 3, but is provided to the borrower who made the application. For the last 20, the message "Cannot register" or "Please re-enter" will be displayed. In addition, the system notifies the customer of the off-line loan amount from financial institution 3 based on the relationship between the customer's annual income and the amount of the loan he / she wishes to borrow. It is also possible to notify the borrower terminal 20 of the range of the borrowing amount that the borrower may be able to obtain. For example, for a borrower applicant 2 with an annual income of 1.5 million to 3 million yen, If you do, you will most likely be able to borrow. The desired amount range can be notified at the time when Borrower 2 enters his / her annual income. Or, as mentioned above, you may not be selected and cannot register, or you may be asked to re-enter your information. The range of the loan amount you wish to borrow should be determined primarily in relation to your annual income. However, annual income and other attribute information (age, cohabiting family, marital status, residence (prefecture, etc.) It may be calculated by taking into account factors such as occupation, years of service, number of loans, rent, etc. These first selections are set uniformly regardless of the type of financial institution. The selection may be made based on predefined conditions, or conditions may be set for each financial institution.

[0033] Furthermore, the financial institution selection unit 121 selects a list of financial institutions 3 to which the application information should be sent for each application information. To generate the application information, a second selection is made based on the acceptance conditions of the application information of the financial institution. The acceptance conditions are the conditions under which a financial institution accepts the provision of application information, and vary by financial institution. For example, there are conditions related to the corresponding area and exclusion conditions described later. For example, if the residence of Borrower 2 is not included in the area covered by Financial Institution 3, The application information of the borrower 2 is not sent to this financial institution 3. Furthermore, In addition, the exclusion conditions for excluding the application information from the transmission list are stored in advance in the financial institution information storage unit. 113, and application information that meets the exclusion conditions is not sent to the financial institution 3. For example, if your annual income is between 0 and 500,000 yen, or if you have 3 loans, The exclusion conditions can be set arbitrarily for each financial institution3, such as "no transmission required if the above conditions are met." The exclusion criteria may include a reference value for the score, in which case, for example, When the financial institution 3 determines the reference value to be 4 or more out of 5, the financial institution selection unit 121: If the score included in the application information is 4 or less, the application information is not sent to the financial institution 3. Furthermore, the contents of the screening information of the guarantor may be included in the exclusion conditions. As described above, the financial institution selection unit 121 selects the corresponding financial institution from among all registered financial institutions 3. Financial institutions3 that cannot send application information based on regional restrictions, exclusion conditions, and other acceptance conditions Then, a list of financial institutions 3 to which the payment can be sent is generated.

[0034] Furthermore, the financial institution selection unit 121 selects a financial institution that has received an offer through the first selection and the second selection. For application information that is deemed unlikely to be used, the borrower's terminal that made the application 20, you will receive messages such as "Cannot register" or "Please re-enter your information." Instead of a message, provide information about the selection conditions that caused the problem and the solution to the selection conditions. In this case, the financial institution selection unit 121 stores the cause in the solution information storage unit 116. The solution stored in association with the selected selection condition is read out, and the solution is presented to the borrower terminal 20. In particular, if the cause is "insufficient annual income," the employment acceptance procedure will be described in detail later. The information providing unit 127 may provide the employment acceptance information to the borrower applicant terminal 20. .

[0035] The application information providing unit 122 provides the application information input by the loan applicant 2 to the financial institution 3. The sending information providing unit 122 selects the sending financial institutions 3 generated by the financial institution selection unit 121. Based on the list, application information is provided to the financial institution terminal 30. The information entered by the borrower 2 includes annual income, age, family members living together, whether they have a spouse, residence (prefecture, etc.) ), occupation, years of service, number of loans, rent, and other attribute information, as well as the desired loan amount, purpose of use, and loan This includes information about the loan you wish to borrow, such as the date you wish to borrow. In addition, score information can be added to the application information. The score information is calculated based on the application information and is information on the reliability of the borrower 2. The application information also includes information on the guarantee, such as the name of the guarantee company, whether or not the guarantee is available, and the amount that can be guaranteed. The application information providing unit 122 may add information related to the borrower's application information. Exclude personal information that could identify an individual, such as user ID, name, or email address. It is preferred.

[0036] The offer acceptance unit 123 is operated by a financial institution employee at the financial institution terminal 30 to select an offer. When the offer selection is transmitted, the offer reception unit 123 receives the selection result. When the result is accepted, the offer notification unit 124 notifies the borrower 2 and The date on which the offer was received and the contents of the offer (plan information, etc.) are stored in the transmission information storage unit 112. And remember it.

[0037] When the offer notification unit 124 receives an offer selection from the financial institution terminal 30, the offer notification unit The information on the financial institution 3 and the plan information are notified to the loan applicant terminal 20. The notification may be sent to the registered email address of the borrower 2, or via the intermediary system. Borrower 2 logs in to the system by entering his / her ID and can view the notification on the user's My Page, etc. The offer notification may be sent to the financial institutions 3 to which the application information has been provided. Instead of receiving the results of whether or not an offer was made from all of them and then informing them of the results all at once, It is preferable to notify the selection of an offer each time it is received from the institution terminal 30. The contents include the website URL of the financial institution offering the offer and individual plan information. It is preferable that the URL of the page selected, the URL of the plan application screen, etc. be included.

[0038] The score material information acquisition unit 125 acquires material information for score calculation. The material information includes the offer rate, the contract rate, and the like in the usage history of the brokerage system of the present invention. The offer rate is calculated by dividing the offer rate by the information in the transmission information storage unit 112. For each application ID, the number of offers received is divided by the number of financial institutions 3 that provided application information. In addition, the success rate, repayment period, and full repayment rate can be obtained through the intermediary system. In addition to cases where the information is available, it is obtained from financial institutions 3 and borrowers 2.

[0039] The score information also includes information from external vendors. For example, digital household accounting The company that operates the application managed by the The household accounting data includes the purpose of expenditure (food, living expenses, entertainment expenses) along with the amount of expenditure. It is also useful to obtain online shopping purchase history. It is. In addition, score information calculated by external companies can be obtained. All information, including shopping history, social media information, account balance and withdrawal information, etc. We receive the scores and scores calculated by external companies that calculate scores using their own algorithms. Various information used in the calculation is obtained. In addition, although not shown, the score material information is also obtained. The score material information acquired by the acquisition unit 125 can be stored and held in some kind of storage unit. do.

[0040] The score calculation unit 126 calculates the score based on the score material information, such as the age, cohabiting family, and marital status of the borrower 2. Based on attribute information such as whether or not you have a spouse, place of residence (prefecture, etc.), occupation, years of service, number of loans, rent, etc. Based on the trends, a score indicating the reliability is calculated. The success rate, repayment period, and full repayment rate are analyzed for each of the above attributes. As shown in 8, the details of each item are as follows: offer rate, success rate, repayment period, and full repayment rate. Analyze whether there is a correlation like this and express the correlation as "influence points on score". Example For example, the rate of receiving offers and the rate of successful contracts were statistically higher for loan applicants2 who were civil servants. If you have a part-time job, you will be given positive influence points to increase your score. If the offer rate or conversion rate is low when These influence points are also given to each attribute information other than the occupation. When an application is made, the score is calculated based on the impact points of each attribute of the borrower2. For example, the bottom table of FIG. As shown in FIG. 1, a score can be set for each accumulated value of influence points.

[0041] In addition, if we obtain information such as household accounting data or online shopping purchase history, we will use this information. Information on age, cohabiting family members, marital status, residence (prefecture, etc.), occupation, years of service, number of loans, The system tags the rent and other attributes, and calculates the creditworthiness of each attribute. The method of calculating the reliability from the data and online shopping purchase history is arbitrary. It can be adopted. By using the above method, a score based on the attributes of the borrower is obtained, rather than a score for each individual borrower. By calculating a score based on the attributes of the applicant, the applicant's name and It is not necessary to handle personally identifiable information such as names, but to provide certain information that can be used as a reference for financial institutions. It will be possible to provide this information to institutions.

[0042] The employment acceptance information providing unit 127 provides employment acceptance information to the borrower 2. Recruitment information is information about companies and stores that are looking for workers. The employment information provider 127 also provides information on the employment service providers that provide information on the employment acceptance of workers. The contents of these job information and the URL of the website where the job can be applied are notified to the applicant terminal 20. In addition, the employment acceptance information providing unit 127 can provide a This employment acceptance information may be provided only to borrower applicants2 who have a certain score or higher. For example, if the scores are categorized into five levels, A to E, then the borrowing of scores A to C is In this way, employment acceptance information can be provided only to applicants 2 who have a certain score. By sending information only to borrowers, companies, stores, and job sites that are looking to hire Service providers can receive reliable workers with a certain level of reliability, and In particular, in recent years, due to the labor shortage, there are now many workplaces that specialize in short-term job information such as daily job information. Although there are sharing services available, these services In many cases, interviews and resumes are not required. On the premise that the applicant will be able to apply for the position, it is not acceptable for the employer to only select applicants who have a certain score or higher. This is also preferable for job-seeking service providers, as it provides peace of mind. 127 reads out the loan applicant 2 having a certain score from the loan applicant information storage unit 115. We will provide job information and job service information to contact details such as email address.

[0043] FIG. 10 is a block diagram showing the software configuration of the financial institution terminal 30. The institution terminal 30 includes an application information display unit 301, an offer selection reception unit 302, a plan offer unit 303, and a user interface unit 304. The system includes a proposal unit 303, an offer sending unit 304, a matching unit 305, and a screening result sending unit 306. do.

[0044] The application information display unit 301 displays the application information provided by the application information providing unit 122 of the intermediation server 1. The list is displayed on the financial institution terminal 30. FIG. 11 is a display example of the financial institution terminal 30. At the financial institution terminal 30, the person in charge of the financial institution 3 inputs the information previously registered in the intermediation server 1. By logging in with the ID and password you have provided, you can view the list of applications. The application information includes the application ID, the annual income, age, and cohabitation number entered by the borrower 2. Attributes such as family, marital status, residence (prefecture, etc.), occupation, years of employment, number of loans, rent, etc. Information, loan request information such as the desired loan amount, purpose of use, and desired loan date, and score Here, personal information such as the user ID, name, and email address of borrower 2 is excluded. do.

[0045] On the application information list display screen, the financial institution staff can narrow down the application information they want to see. First, each piece of information can be sorted in ascending or descending order. As shown in the example in 1, each item has an up △ and down ▽ icon, and when you click on it, You can sort the items in ascending or descending order by clicking the It is also possible to enter filtering conditions and display only the relevant application information. As shown in the figure, the desired loan amount, annual income, age, etc. are displayed to the left of the "Search" button. Click the button, enter the conditions in the input field, or select the options displayed, By clicking the search button, only the relevant application information can be displayed. These filters can be selected for multiple items. For example, if you want to borrow 40 If we narrow it down to the range of 600,000 yen and the number of loans is one, in the example in Figure 11, , only application ID 998 will be hit and displayed.

[0046] The offer selection reception unit 302 receives the selection of application information to be offered from the financial institution staff, In the example of FIG. 11, each application information includes the "Plan Guide" When the user clicks on the "Notification" button, the system displays the details of each financial institution3. You can select from multiple pre-registered plans and make an offer. Plans are The plan ID, plan name, purpose of use, URL, and other information are stored in the relevant information storage unit 113. FIG. 12 shows an example of the plan selection screen. When you click on it, multiple registered plans will be listed with their plan names and plan IDs. Select one of the plans and click to make an offer for that plan. By clicking on the plan guide for each application information and selecting a plan, The offer notification is sent to the first offer receiving unit 123.

[0047] FIG. 13 is an enlarged view of a modified example of the screen display of the financial institution terminal 30. In this way, the plan to be offered may be displayed for each application information. As described later, the plan proposal unit 303 may display a provisionally selected item in advance. Alternatively, financial institution personnel may select and input a plan for each transaction.

[0048] In addition, the offer selection receiving unit 302 collectively provides a plan for a plurality of selected application information. For example, you can set conditions for items as described above to narrow down your search. When you make a call, you can receive offers for all the applications that are displayed. In addition, in the list display, you can make offers by adding check boxes to each application information. Check the items you want to apply for and make a bulk offer to all the checked applications. When notifying the offer in a lump sum, each applicant must be notified in advance, as shown in the example in Figure 13. It is preferable that the selection of the plan to be offered regarding the included information has been completed.

[0049] The plan proposal unit 303, based on the plan information registered in the financial institution information storage unit 113, An appropriate plan can be selected for each application and proposed to the financial institution staff. However, the financial institution information storage unit 113 stores the purpose of use, the upper limit, and the annual The plan proposal unit 303 stores conditions related to the loan recipient, such as age and income. Necessary items are read from the information, and the conditions of each plan are stored in the financial institution information storage unit 113. The financial institution staff will select the appropriate plan by comparing it with the When you select "Plan Information Notification" for each application information, the screen will display "Plans available for proposal are A message such as, but not limited to, "This is ____" can be displayed. For example, As shown in FIG. 13, in the list display of application information, the plan proposal unit 303 Even if you leave the selected plan information such as the plan name or plan ID temporarily selected, Financial institution personnel can click on the plan and select the appropriate plan as necessary. It is possible.

[0050] The plan proposal unit 303 performs a process based on the exclusion conditions registered in the financial institution information storage unit 113. In addition, a notice including the effect that "no plan will be proposed" may be sent to the borrower terminal 20. In this case, the plan proposal unit 303 records the solution information in association with the exclusion condition that caused the problem. The solutions stored in the memory unit 116 may be presented to the borrower terminal 20 .

[0051] The offer sending unit 304 sends the application information and the plan selected by the offer selection receiving unit 302. The run information is sent to the intermediary server 1.

[0052] In addition to the offer information, the offer sending unit 304 also sends the financial institution that sent the offer. The name of the financial institution, branch name, contact information, and person in charge are sent to the borrower terminal 20. In addition, subsequent application procedures are conducted directly between the borrower 2 and the financial institution 3. In addition, by using the following functions, the system of the present invention can The exchange may proceed on the system, in which case the offer sending unit 304 sends the offer - Information plus a form or button that allows you to accept or reject the offer Such functions may be presented on the borrower terminal 20.

[0053] When the borrower 2 accepts the previous offer, the matching unit 305 matches the borrower 2 with the The matching procedure between the lending institutions 3 is carried out. The offer sending unit 304 sends the offer to the borrower terminal Borrower 2 makes an offer using the form or button that allows the borrower to express their intention as shown in 20. The intention to accept has been expressed, or, at the request of the financial institution, a match with the borrower 2 has been made. When the borrower expresses an intention to proceed with the matching, the matching unit 305 You can then select the terms of use prepared by the financial institution and indicate whether or not you agree to them by clicking the check box. When the applicant 2 enters the form, etc., and answers to additional questions, The matching unit 305 also receives the request for personal information of the borrower 2. The request is sent to the intermediary server 1, and the intermediary server 1 receives the request and A part or the whole is transmitted to the financial institution terminal 30.

[0054] The examination result transmission unit 306 transmits the use result to the financial institution terminal 30 by the matching unit 305. Based on the consent / non-conformity information, answers to the additional questions, and the personal information, financial institutions will conduct the review and send the results to borrower 2.

[0055] FIG. 16 shows a modified example of the screen display of the financial institution terminal 30. As shown in FIG. For each application information, a part or all of the application information, a send button for an offer, a matching It is also possible to display input functions such as a button to express preference and a button to submit the review results.

[0056] Next, the basic operation flow of the intermediation system of the present invention will be described with reference to FIG.

[0057] First, the input of loan application information by a loan applicant is accepted (S11). The information can be entered by the borrower 2 via a device such as a computer or smartphone. The borrower 2 accesses the intermediary server 1 and inputs his / her registration ID and password. By doing so, the application information entry screen will be displayed and the necessary information will be entered. The application information is stored in the application information storage unit 111.

[0058] Next, the financial institution selection unit 121 selects a financial institution 3 to which the application information will be provided (S12). The financial institution selection unit 121 selects a project that is unlikely to receive an offer from the financial institution 3. The financial institution 3 notifies the borrower terminal 20 of the fact. Financial institutions that do not submit application information when the scope is limited or when exclusion conditions are set The system identifies financial institutions 3 and generates a list of financial institutions 3 to which it can transmit.

[0059] Furthermore, score information is assigned to each application information (S13). The score information is not particularly limited. However, for example, score information based on the attributes of the borrower 2 may be added. In this case, the score influence points are accumulated based on the attributes of the borrower 2, and the influence points are calculated. The score is determined based on the total value of the points.

[0060] The application information providing unit 122 selects application information based on the list generated by the financial institution selecting unit 121. The application information and score information are provided to the financial institution terminal 30 (S14). The information is stored in the information storage unit 112. The financial institution staff member accesses the intermediary server 1 from the financial institution terminal 30. You can log in and view the list of application information.

[0061] The financial institution staff selects and enters the application information and the plan information to be offered, and The financial institution staff narrows down the application information to only those that meet the desired conditions. Then, you can display the information on the screen and make offers to the users in bulk based on the narrowed down application information. The offer receiving unit 123 receives the offer information from the financial institution terminal 30. Upon receiving the offer (S15), the offer notification unit 124 notifies the borrower terminal 20 of the offer. The application information that has been offered is notified (S16). 2 is updated by adding the date the offer was received, information about the plan, etc. (S17).

[0062] The above is the basic operation flow of the intermediation system of the present invention.

[0063] According to the intermediation system of the present invention, the borrower 2 only needs to input the necessary information for the application once. You can make provisional applications to multiple financial institutions3 and receive offers. In addition, financial institution personnel can view information on multiple applications at a glance. You can sort and filter according to conditions, making it easy to select offers. Furthermore, by adding simple score information based on attributes, While financial institution 3 can improve the success rate, it is not based on personal information. There is no need to handle personal information.

[0064] The above-described embodiment is merely an example for facilitating understanding of the present invention, and does not limit the present invention. The present invention is not intended to be interpreted as being based on the principles of the present invention. It goes without saying that the present invention includes equivalents thereof. [Explanation of symbols]

[0065] 1. Intermediary Server 2. Borrowers 3. Financial institutions 4. Network 20 Borrower terminal 30 Financial institution terminals 111 Application information storage unit 112 Transmission information storage unit 113 Financial institution information storage unit 114 Score material information storage unit 115 Borrower information storage unit 120 Loan Application Reception Department 121 Financial Institution Selection Department 122 Application Information Department 123 Offer Reception Department 124 Offer Notification Section 125 Score Material Information Acquisition Unit 126 Score Calculation Section 127 Employment Information Department 301 Application information display section 302 Offer Selection Reception Department 303 Plan Proposal Department 304 Offer sending unit 305 Matching Department 306 Examination Results Transmission Department

Claims

1. A loan intermediation system that acts as an intermediary between a loan applicant and a financial institution, Accepting input of application information including attribute information and loan request information from the loan applicant A loan application reception unit for the Conditions for accepting the application information for each of the financial institutions and plan information regarding loan plans A financial institution information storage unit that stores the A list of financial institutions that provide the application information is generated based on the application information and the acceptance conditions. Financial Institution Selection Department, A plurality of pieces of application information are displayed on the terminal of the financial institution based on the attribute information of the borrower. An application information display section that displays a list of the application information together with the score; The financial institution provides the application information for making an offer and the loan an offer selection receiving unit that receives a loan plan selection and transmits it to a server; When the selection of the offer is accepted, the information of the financial institution and the plan information are and an offer notification unit for notifying a borrower of the offer.

2. For each attribute of the borrower, the rate of receiving an offer, the rate of loan establishment, the repayment period, and the rate of full repayment are calculated. a score material information acquisition unit that acquires at least one score material information; Based on the score material information, the score based on attribute information is determined for each application information. The loan intermediation system according to claim 1, further comprising a score calculation unit for determining whether the loan is a Stem.

3. The score material information acquisition unit acquires household account book information regarding household income and household expenditure for each attribute.

3. The loan intermediation system according to claim 2, further comprising:

4. The application information display unit displays at least one of the attribute information, the loan request information, and the score. Accept input of a filtering condition for an item included in any of the items, and select the item that matches the filtering condition. Display only application information, The offer selection receiving unit receives selection of the narrowed down application information collectively. The method according to any one of claims 1 to 3, characterized in that the information can be transmitted to the server in a format that matches the information. The loan brokerage system.

5. The application information is compared with the plan information stored in the financial institution information storage unit, and The method further comprises a plan proposal unit that proposes the loan plan that can be used for the loan. do, The loan intermediation system according to any one of claims 1 to 4.

6. The employment agency provides information on employment opportunities to borrowers who meet a certain score or higher. The system further comprises a labor acceptance information providing unit. A loan intermediation system according to any one of claims 1 to 5.

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