Group credit core system and program

Abstract

To provide a group credit core system which cultivates collaboration between a core system of a financial institution and the group credit core system, and enhances effectiveness, after applying joint group credit life insurance, when contracting a pair loan which is two loan contracts.SOLUTION: In a system configuration and function block, a group credit core system comprises: examination data reception means which receives examination data including an application number and information as to whether it is a pair loan, from a housing loan core system; insurance examination execution means which performs insurance examination based on notification information such as current physical condition and a past medical history inputted by notification means, about a group credit type selected by group credit plan selection means of an information processing device; assessment result storage means which accumulates and stores an assessment result; and assessment result transmission means which transmits the assessment result to the housing loan core system, after assessment results of two group credit life insurance applications become the same, when a housing loan is the pair loan, and the joint group credit life insurance is selected, in batch processing for each fixed period.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to a group credit card core system and program. [Background technology]

[0002] When purchasing or building a home, a mortgage is often taken out. Keeping up with the recent wave of digital transformation, it is becoming common for mortgage applications, screening, and post-mortgage management to be carried out via computers and networks (e.g., Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2021-101359

[0004] When taking out a mortgage, most people take out group credit life insurance (hereinafter referred to as "group life insurance"), which will nullify the primary borrower's share of the mortgage in the event of death or other reasons. Because mortgages are executed by financial institutions and group life insurance is executed by life insurance companies, the core systems owned by the two companies are separate, but the two systems often work in conjunction with each other. For example, the results of insurance application reviews executed in the core system managed by the life insurance company are passed on to the core system managed by the financial institution via batch processing.

[0005] Incidentally, when a married couple takes out a mortgage, there are several ways to borrow. For example, there are joint guarantee loans, which are executed by combining incomes, and joint liability loans (hereinafter referred to as "joint liability"). However, there is only one contract executed by combining incomes. In contrast to this, pair loans, in which each spouse independently decides the loan amount and repayment period, and which form two contracts, have been attracting attention in recent years and are becoming more common.

[0006] Group life insurance has also continued to change in response to this diversification of mortgages. In the past, when most households had one breadwinner and only one person's income, the only type of group life insurance available was one that simply nullified the debtor's mortgage in the event of death (hereinafter referred to as "single-life group life insurance"). As two-breadwinner households became more common, joint life group credit life insurance (hereinafter referred to as "joint life group life insurance") was introduced, which nullified the remaining balance of the mortgage, including the portion borne by the co-guarantor or co-borrower, in the event of the primary debtor's death. However, joint life group life insurance only covered loans with joint guarantees and loans with joint obligations, and did not cover pair loans. Summary of the Invention [Problem to be solved by the invention]

[0007] Thus, unlike joint and several debts, pair loans were never covered by joint and several group life insurance. This was due in part to the idea that joint and several group life insurance covers only the debt related to the home itself, which is a single joint and several debt, and that this coverage is possible precisely because it is a single joint and several debt. In addition, the aforementioned integration between the life insurance company's core system and the financial institution's core system was also subject to technical constraints, as joint and several debts are only a single contract, making execution processing possible. Under these circumstances, in the case of pair loans, the only option was to set up multiple single-life group life insurance policies for each debtor and simply process the two contracts separately.

[0008] The present invention aims to provide a group credit life insurance core system that can apply joint group credit life insurance when taking out a pair loan, which is a two-loan contract, and link the core system of a financial institution with the group credit life insurance core system to increase effectiveness. [Means for solving the problem]

[0009] In order to achieve this object, the technical means of the present invention is a group life insurance core system having at least the following configuration.

[0010] A housing loan core system capable of executing the screening process for housing loans including at least pair loans among a plurality of types of housing loans, and a group credit life insurance core system that operates in conjunction with an information terminal operated by the insured, and that executes the screening process for group credit life insurance, comprises: a screening data receiving means that receives screening data including the application number and information on whether it is a pair loan from the housing loan core system; a group credit life insurance information receiving means that receives information on the type of group credit life insurance selected by the insured from the information terminal operated by the insured; an appraisal result storage means that accumulates and stores the appraisal results; and an appraisal result sending means that sends the appraisal results to the housing loan core system by batch processing at regular intervals, wherein when the housing loan is a pair loan and joint life group credit life insurance is selected, the appraisal result sending means sends the appraisal results to the housing loan core system after the appraisal results of the two group credit life insurance applications become identical.

[0011] In order to achieve the above object, the technical means according to the present invention is a program having at least the following configuration.

[0012] The program executes at least the following steps in a computer of a group credit life insurance core system that executes the review process for group credit life insurance, working in conjunction with a mortgage core system capable of executing review processes for mortgages including at least pair loans among multiple types of mortgages, and an information terminal operated by the insured, and the computer of the group credit life insurance core system that executes the review process for group credit life insurance: storing the appraisal results of the group credit insurance; determining whether the stored appraisal results are for joint life group credit insurance; and, if it is determined that the appraisal results are for joint life group credit insurance, determining whether the appraisal results of the other party to the joint life group credit insurance have been stored; and is characterized in that the appraisal results are not sent to the mortgage core system while the appraisal results of the other party to the joint life group credit insurance are not stored. [Brief explanation of the drawings]

[0013] [Figure 1]1 is a system configuration and functional block diagram consisting of a housing loan core system and a group life insurance core system and an information processing device according to an embodiment of the present invention. [Figure 2] 1 is a flowchart showing the processing executed by an insurance examination execution means and an assessment result storage means in a group life insurance core system according to an embodiment of the present invention. [Figure 3] 1 is a flowchart showing the processing executed by the assessment result storage means and assessment result transmission means in the group life insurance core system according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0014] <Embodiments of the present invention> Hereinafter, embodiments of the present invention will be described with reference to the drawings. The drawings are created for the purpose of explanation, and for the sake of clarity, elements unnecessary for the explanation may be intentionally omitted.

[0015] FIG. 1 is a system configuration and functional block diagram of a mortgage core system, a group credit card core system, and an information processing device according to an embodiment of the present invention. As shown in the figure, the system configuration involves two core systems and multiple information processing devices 3 (general-purpose PCs, tablets, smartphones) operated by customers connected via a network. Multiple information processing devices 3 are connected depending on the number of customers, but a married couple may share one information processing device 3. The hardware configuration of the group credit card core system 1, mortgage card core system 2, and information processing device 3 is simply the system configuration typically found in general-purpose PCs and servers, including a CPU, memory (ROM and RAM) connected to the CPU via a bus, storage devices, display means, communication means, and operation input means. Therefore, the hardware configuration is omitted here and shown as a functional block diagram. The direction indicated by the dashed arrows indicates the order of execution or data (information) flow in each functional block. 1 is merely an example, and for example, the mortgage core system and the group credit card core system do not need to be directly connected via a network, and it is possible to use a file transfer system to transfer large volumes of files in batch processing, which will be described later. Also, although the information processing device 3 needs to be connected via a network to the group credit card core system 1, it does not necessarily need to be connected via a network to the mortgage core system 2 in a business where loan applications are submitted at a storefront.

[0016] (Overall system configuration) As shown in Figure 1, the system comprising the mortgage core system and group credit life insurance core system and information processing device according to the embodiment of the present invention comprises group credit life insurance core system 1, mortgage core system 2, and information processing device 3, and information processing device 3 is connected to group credit life insurance core system 1 and mortgage core system 2 via a mobile phone communication network and / or the Internet communication network. A credit information agency DB 4 and a medical institution DB (not shown) are also connected to this system, and the contents of these DBs may be referenced when conducting loan screening or group credit life insurance screening.

[0017] The information processing device 3 is operated by the mortgage applicant or the insured. While the example shown in FIG. 1 is a personal computer (general-purpose PC), it may also be a mobile communication device such as a smartphone or tablet. The information processing device 3 may be positioned as multiple terminals connected to a server, and a general-purpose PC and a smartphone may be used together. The information processing device 3 is connected to the server of the mortgage core system 2 and the server of the group life insurance core system 1 (described later) over the web, runs a web application, and is used for various input operations related to the loan application and notifications for the group life insurance application. The system configuration of the embodiment of the present invention is conceived as SaaS (Software as a Service). Furthermore, although the embodiment assumes that the information processing device 3 is owned by the insured, it may also be owned by a financial institution, as long as it is operated by the insured. In this case, a system configuration consisting of an application implemented on the information processing device 3 and a server, a so-called client-server model, may also be used. By making it possible to handle data in XML or the like within the program, detailed and complex information can be processed on the information processing device 3 side, enabling stable processing even in situations where the communication environment is unstable.

[0018] The mortgage core system 2 is a server managed by the financial institution that performs various processes. It receives necessary information from the information processing device 3 and transmits basic information required for life insurance underwriting assessment to the server of the group life insurance core system 1. It also performs processes such as displaying necessary input forms, etc. on the display device of the information processing device 3 in order to enable the web application of the information processing device 3 to function.

[0019] The group life insurance core system 1 is managed by a life insurance company and stores the information necessary for underwriting assessments for group life insurance in separate storage areas for each loan applicant. However, for those who apply for a pair loan (described below) and also apply for joint life insurance, the information for both applicants is associated so that it is treated as a set. It may also be configured to store data for both applicants in a single storage area.

[0020] (Configuration of information processing device) As shown as functional blocks in Figure 1, the information processing device 3 is primarily composed of a loan application transmission means 31, a customer inducement information receiving means 32, a group life insurance plan selection means 33, and a notification means 34. Figure 1 merely shows the main functions that are important in relation to the present invention, and the device also has functions for performing necessary associated processing as appropriate. For example, the loan application transmission means 31, which will be described later, is understood to be not simply a means for transmitting information about a loan application, but also to have associated functions such as processing information input by an operator, as will be explained subsequently.

[0021] The loan application sending means 31 is connected to the mortgage core system 2 over the web, and inputs and processes the information required for the preliminary screening (preliminary screening) and the main screening using an input form or text input means, and then sends it to the server of the mortgage core system 2. Specifically, for example, in the preliminary screening, the planned loan amount, loan period, etc. will be input. While financial institutions cannot formally screen a mortgage loan application until a property to be purchased has been decided, loan applicants are unable to determine their funding and select a property to purchase if the loan amount remains unknown. Therefore, preliminary screening (preliminary screening) is a simplified screening conducted in advance to provide loan applicants with an estimate of the loan amount and the loan prospects. A full screening, on the other hand, is a formal screening conducted when applying for a mortgage loan. Compared to a preliminary screening, a more extensive range of items are checked, and the submitted documents are also scrutinized, resulting in a more rigorous screening process. The loan application transmission means 31 of the information processing device 3 supports both preliminary screening and full screening. While most preliminary screening processes are automated, full screening is conducted manually by a person in charge. Therefore, while information input for preliminary screening is generally performed solely through input forms, information for full screening is transmitted using input forms, text input means, and, if necessary, uploading means for submitted documents. However, even if the document is sent by mail, this is not excluded from the scope of the present invention. When you apply for a loan, you will be assigned an application number.

[0022] The group credit card core system 1, which receives the screening data (described below) from the mortgage loan core system 2, sends a link email to the loan applicant, including a link to the server of the group credit card core system 1, to encourage the applicant to apply for an underwriting assessment for the group credit card. The customer attraction information receiving means 32 is a means for receiving emails as a means of attraction. Note that such a means of attraction does not have to be email, and it may be a social networking service such as Instagram (registered trademark) or LINE (registered trademark). The customer attraction information receiving means 32 may employ any means that can lead the applicant to the group credit card core system 1's website.

[0023] The group life insurance plan selection means 33 allows for the selection of plans such as single-life group life insurance, joint-life group life insurance, general group life insurance, group life insurance with cancer coverage, and group life insurance for all illnesses. Even in the case of a pair loan between a married couple or parent and child, each applicant can apply for a single-life group life insurance. Conversely, a single loan applicant cannot apply for a joint group life insurance. When applying for a joint group life insurance in a pair loan, in order to ensure the effectiveness of life insurance companies, it is not permitted for one applicant to apply for a general group life insurance and the other for a group life insurance with cancer coverage; the type of group life insurance for the pair must be the same. Therefore, after the first applicant for a pair loan who accesses the group life insurance core system 1 selects a group life insurance plan, the other party to the pair loan cannot select a group life insurance plan and is required to simply approve the type of group life insurance selected first.

[0024] The notification means 34 is a means for notifying the applicant of their current physical condition and past medical history using a notification form. This is generally done by selecting and inputting from a pull-down menu, but text input may also be required if necessary. An insurance review is conducted based on the notification information or additional information requested as appropriate. The results of the insurance review are sent from the group life insurance core system 1 to the mortgage core system 2 at a predetermined timing, as described below. Specifically, when the results of the insurance reviews for both applicants for a pair loan with joint life insurance are consistent, the results are sent from the group life insurance core system 1 to the mortgage core system 2. The results of the insurance review are classified into four types: (1) passed, (2) pending, (3) additional information requested due to insufficient information, and (4) rejected.

[0025] (Configuration of the mortgage core system (server)) As shown as functional blocks in Figure 1, the mortgage core system 2 is composed of a loan application receiving means 21, an examination data transmission means 22, a preliminary loan examination execution means 23, and a final loan examination execution means 24. These merely represent the main functions that are important in relation to the present invention, and the system also has functions for performing other necessary ancillary processing as appropriate. For example, the mortgage core system 2 also has a database that stores a huge amount of data on borrowers whose mortgages have already been executed. This database may be constructed as a single server within the server that handles the main processing of the mortgage core system 2, or it may be configured so that the server that handles the main processing and the database server are separate servers connected via the Internet or other networks.

[0026] The loan application receiving means 21 receives information such as the planned loan amount and loan period required for the preliminary screening (preliminary screening) and main screening input and transmitted by the information processing device 3. More specifically, it receives information such as the kana name, kanji name, date of birth, email address, planned loan amount, planned loan period, planned loan date, address, and dealer.

[0027] The screening data transmission means 22 transmits information required for processing the group life insurance underwriting assessment, such as a provisional screening number and an email address for customer attraction. Here, if a joint life insurance group life insurance is being applied for in a pair loan application and the applicant is the first loan applicant, in addition to the above required information, information indicating that it is a pair loan and the ID of the other party to the pair loan (personal identification information, including, for example, a name in kana) are transmitted. Also, if a joint life insurance group life insurance is being applied for in a pair loan application and the applicant is the second loan applicant, information indicating that it is a pair loan and the main input information of the other party to the pair loan are transmitted. Of course, all of the input information of the other party to the pair loan may also be transmitted. In this embodiment, the screening data is configured to be transmitted after a provisional screening application is submitted. However, the group life insurance underwriting assessment is not performed during the provisional screening. Instead, the screening data may be transmitted and received at that time, so that the group life insurance underwriting assessment is performed for the first time after the application for the actual screening is submitted. In this case, if the preliminary screening stage has already been completed and appropriate information about both parties in the pair loan has been obtained, the screening data may be configured to include the main part (or even all) of the information entered by the other party. However, there are also cases where an application for a full screening is made directly without applying for a preliminary screening, and in such cases, as explained above, there will be a difference in the information transmitted between the first application and the second application.

[0028] The loan provisional screening execution means 23 receives simple loan application information entered and transmitted in accordance with an input form on the information processing device 3 using the loan application receiving means 21, and performs screening by automatic processing by a computer based on the received simple loan application information. This may be configured using simple table processing, or may utilize AI technology such as deep learning. The loan application receiving means 21 receives detailed loan application information transmitted from the information processing device 3, and the loan final examination execution means 24 temporarily stores the received detailed loan application information in an appropriate storage means. The person in charge accesses the stored information, carefully examines the contents of the various documents submitted, and, if necessary, accesses the credit information backbone DB 4, etc., before conducting a manual examination. The loan final examination execution means 24 appropriately performs the processing necessary to assist the person in the examination.

[0029] (Configuration of the Group Life Insurance Core System (Server)) As shown as functional blocks in Figure 1, the group life insurance core system 1 comprises an examination data receiving means 11, a customer inducement information transmitting means 12, an insurance examination execution means 13, an examination result storage means 14, and an examination result transmitting means 15. These merely represent the main functions important in relation to the present invention, and the system also has other functions for performing necessary ancillary processing as appropriate. For example, the group life insurance core system 1 also has a database that stores a large amount of data on insureds with whom insurance contracts have already been concluded. This database may be constructed as a single server within the server that handles the main processing of the group life insurance core system 1, or it may be configured as a separate server connected via an internet communication network to the server that handles the main processing and the database server.

[0030] The screening data receiving means 11 receives information necessary for processing the group life insurance underwriting assessment, such as a provisional screening number. In the case where a joint life insurance policy is applied for in a pair loan application and the applicant is the first loan applicant, information indicating that it is a pair loan and the ID of the other party to the pair loan (personal identification information, including, for example, a name in kana) are received. In the case where a joint life insurance policy is applied for in a pair loan application and the applicant is the second loan applicant, information indicating that it is a pair loan and a major portion (or all) of the other party's input information are received. In this embodiment, the screening data is received after a provisional screening application is submitted. However, the group life insurance underwriting assessment process is not performed during the provisional screening process. Instead, the screening data may be received at the time the group life insurance underwriting assessment process is first performed after the application for the actual screening is submitted.

[0031] As mentioned above, it is important that the review data includes information on the joint life partner. However, in consideration of efficiency in implementation, it is desirable that the review data also include the following information: <Required Information> Name in Kana, application number, date of birth: This information is required when the insured person accesses the Group Life Insurance Core System 1 website and enters it to confirm that it matches the screening data. Email address: This is necessary as a means of directing the insured person to the Group Life Insurance Core System 1 website after receiving the screening data. However, this can also be substituted by other social networking services. Planned loan amount: This is equivalent to the insurance amount and is therefore necessary for underwriting assessment. Expected borrowing date: This is necessary as the reference date for determining the upper and lower age limits for group life insurance underwriting. Kanji name: Required for use in customer registers and customer copy forms. Address: This is used for the customer ledger and customer copy forms, and is also necessary if detailed notices are required during the underwriting assessment process, as correspondence will be sent by mail. <Optional additional information> Telephone number: This should be recorded as a means of contacting the insured person individually. Expected loan period: It is desirable to record this as it is related to the insurance amount and insurance period. Handling store: After the insured person completes the application on the website, it is desirable that the name be recorded so that when the bank staff handles the case on the management site, the cases that can be handled can be divided by store.

[0032] The customer inducement information transmission means 12 is a means for sending an e-mail to the loan applicant as an inducement means for encouraging the applicant to access the website of the group credit card core system 1. At this time, the e-mail address information is obtained from the screening data. Note that such an inducement means does not have to be e-mail, and may be a social networking service such as Instagram (registered trademark) or LINE (registered trademark). The customer inducement information transmission means 12 may employ any means as long as it can induce the applicant to the website of the group credit card core system 1.

[0033] The insurance examination execution means 13 performs an insurance examination for the type of group life insurance selected by the group life insurance plan selection means 33 of the information processing device 3, based on the notification information such as current physical condition and past medical history entered by the notification means 34 of the information processing device 3. When applying for joint group life insurance in a pair loan, as mentioned above, the type of group life insurance for the pair must be the same. The pair loan applicant who first accesses the group life insurance core system 1 will be examined for the selected type of group life insurance, but the other party to the pair loan will be examined for the same type of group life insurance as the one selected first. The results of the examination are assigned to one of four states: (1) passed, (2) pending, (3) request for additional information due to insufficient information, or (4) rejected.

[0034] Incidentally, as can be seen from the historical background of endorsements and underwriting, insurance and life insurance were originally designed to tailor content and conditions to suit each individual applicant, taking into account the risks involved. However, this approach did not allow for efficient and appropriate responses, leading to the creation of a notification system in which certain questions are asked and a fictitious screening is conducted. If the application passes this notification screening, it is considered a pass (1). However, if it does not pass, it does not necessarily result in a rejection (4), but may be put on hold (2) or require additional information (3). In fact, situations (2) and (3) are more common.

[0035] The processing by the insurance examination execution means 13 may consist of simple table processing using only the notification information, or it may utilize AI technology such as deep learning. If the notification information sent from the information processing device 3 results in a pass result (1), the process is completed automatically by the computer. If the result is a hold (2) or a request for additional information (3), a person in charge will carefully review the additional documents, make a judgment, and perform any necessary input processing before deciding on a final pass or rejection. If possible, a proposal to review the plan (such as changing from a general group life insurance plan to a wide group life insurance plan) may also be made. If a proposal to review is made, both applicants for the pair loan are urged to reselect their group life insurance plan via communication means (not shown), such as email.

[0036] The appraisal result storage means 14 accumulates and stores the final appraisal results, "pass" or "rejected," for each provisional appraisal number. The appraisal result transmission means 15 transmits the appraisal results to the mortgage core system 2 by batch processing at regular intervals (for example, once a day). In the case of single-life group life insurance, once the appraisal results are finalized, a separate appraisal result, "pass" or "rejected," will be transmitted from the group life insurance core system 1 to the loan provisional appraisal execution means 23 of the mortgage core system 2 on approximately the same day. Note that if an application for a group life insurance underwriting appraisal is made during the actual appraisal, a separate appraisal result, "pass" or "rejected," will be transmitted to the loan final appraisal execution means 24 of the mortgage core system 2.

[0037] The above describes the processing for single-family group life insurance. However, the processing is significantly different for joint life insurance. This is an important aspect of the present invention. In the case of joint life insurance, even if the results of one loan application are finalized, the results of the other application may be pending or require additional information, potentially requiring several days for the application to be completed. Therefore, for a pair loan applicant who has applied for joint life insurance, the appraisal result transmission means 15 compares the provisional appraisal number with the other party's ID and provisional appraisal number, obtains the appraisal results for both parties, and does not transmit the appraisal results until the appraisal results match. In other words, the transmission of the appraisal results is postponed during batch processing. Only once the appraisal results match, does the appraisal result transmission means 15 transmit the set of appraisal results to the loan provisional appraisal execution means 23 of the mortgage core system 2. At this time, transmission is performed even if the result is not "pass" but "rejected." The mortgage core system 2 can then inform the loan applicant of the results of the provisional loan appraisal.

[0038] This embodiment does not simply involve waiting until all sets of data are available in batch processing. If such a simple concept were adopted, the "pass" and "reject" results would simply be sent as a set. In recent years, online banks have nationwide customer base, and mortgage loan recipients are no longer limited to residents of specific regions; they are also nationwide. The number of applications to be processed nationwide is enormous. Even if financial institutions received a set of "pass" and "reject" assessment results, the loan screening process would become cumbersome and wasteful. The greatest value of this invention lies in the fact that it carefully considered the characteristics of loan screening and joint life group life insurance screening at financial institutions, discovered an optimal method, and devised a form of information processing using software suitable for that method. In other words, it was precisely because this idea and the subsequent concrete solutions were not realized that only single-life group life insurance was available for pair loans.

[0039] The processing executed by the group life insurance core system according to the embodiment of the present invention will be explained using a flowchart. Here, the processing will be divided into two parts: the processing executed by the insurance examination execution means 13 and the assessment result storage means 14 in cooperation with each other, and the processing executed by the assessment result storage means 14 and the assessment result transmission means 15 in cooperation with each other. Note that the processing that does not require further explanation beyond that already described will be omitted as appropriate.

[0040] (Processing by insurance examination execution means and assessment result storage means) FIG. 2 is a flowchart showing the processing executed by the insurance examination execution means 13 and the assessment result storage means 14 in the group life insurance core system according to the embodiment of the present invention. In step S101, primary data on the group life insurance plan type and notification information sent from the information processing device 3 is accepted. In step S102, the insurance examination execution means 13 determines whether the examination is passed or not, using only automatic processing by a computer. If the result is passed, the assessment result storage means 14 stores the pass result in a predetermined storage area divided by provisional examination number (step S103).

[0041] If the result is not pass, it is determined in step S104 whether the application is on hold. If the result is on hold, the process waits until the review resumes (step S105), but this is an exceptional process. Specifically, for example, there are cases where the underwriting assessment passes by reducing the loan amount, so if necessary, the contents of the loan application may be reviewed and a new group life insurance underwriting assessment may be requested; however, a detailed explanation of this process will be omitted.

[0042] If the request is not pending, the group credit card core system 1 determines whether to request additional information (step S106). If additional information is requested, the loan applicant is notified that additional information is required by an appropriate communication means such as email (step S107). The loan applicant uploads documents or sends the additional information. The group credit card core system 1 may also be configured to access the medical institution's database or the like based on the information specified by the loan applicant to obtain the necessary information. If additional information is not requested, this means that the assessment result is a rejection, and the assessment result storage means 14 stores the rejection result in a predetermined storage area divided by provisional screening number (step S109).

[0043] In step S108, additional information is accepted, and a second review is conducted based on the additional information. While step S102, the same as the first review, is shown, the second review involves automatic computer processing, as well as manual judgment by a person in charge, if necessary. However, the system is configured to provide appropriate input support for the human judgment of the person in charge (judge). Since steps S104 and S106 are generally omitted in the second review, if the review is successful as a result of the judgment process in step S102, the successful result is stored (step S103), and if not, the rejected result is stored (step S109).

[0044] The above-described steps S101 to S109 are the same for loan applicants for a single-life group life insurance policy, a first loan applicant for a joint life group life insurance policy, and a second loan applicant for a joint life group life insurance policy. However, the process for transmitting the appraisal results differs depending on whether the loan is a single-life group life insurance policy or a joint life group life insurance policy, and this will be explained below.

[0045] (Processing by appraisal result storage means and appraisal result transmission means) FIG. 3 is a flowchart showing the processing executed by the assessment result storage means 14 and the assessment result transmission means 15 in the group life insurance core system according to an embodiment of the present invention. In step S201, the appraisal results are stored. This process corresponds to step S103 or step S109 described in Figure 2. In step S202, it is determined whether the group life insurance is a single-life group life insurance. If it is a single-life group life insurance, the appraisal results are notified by batch processing from the appraisal result transmission means 15 of the group life insurance core system 1 to the loan preliminary screening execution means 23 of the mortgage core system 2. For example, after one day's worth of appraisal results have been accumulated, data transmission is executed. Note that if the system plans to conduct a group life insurance underwriting appraisal during the main appraisal, the appraisal results will be notified to the loan main screening execution means 24 of the mortgage core system 2.

[0046] If the determination in step S202 is that the loan is not a single-life group life insurance, it means that the loan is a joint life group life insurance, so in step S204 it is determined whether the data of the other party to the pair loan and the joint life group life insurance has already been stored. If it has not been stored, the next process will wait until the other party's data has been stored.

[0047] If it is determined in step S204 that the data for both applicants for a joint life group life insurance loan are complete, it is then determined in step S205 whether the appraisal results match. If the appraisal results match, whether they are pass or reject, the appraisal results are sent in batch processing from the appraisal result sending means 15 of the group life insurance core system 1 to the loan preliminary screening execution means 23 of the mortgage core system 2 (step S206). For example, data transmission is performed after one day's worth of appraisal results have been accumulated. If the system plans to conduct a group life insurance underwriting appraisal during the final screening, the appraisal results are sent to the loan final screening execution means 24 of the mortgage core system 2. Thus, the most notable feature of this embodiment is that it does not simply wait for the next process until all the data is available, i.e., it adds step S205 after step S204. This will enable optimization of the distribution of processing loads to maximize efficiency for both financial institutions and life insurance companies that have common customers nationwide.

[0048] If it is determined in step S205 that the assessment results do not match, the loan applicant is urged to change the plan as necessary using an appropriate communication means (step S207).

[0049] (Maintenance processing after signing up for group life insurance carried out by the group life insurance core system) The housing loan core system, the group credit card core system, and the information processing device according to the embodiment of the present invention are configured to be able to execute processing suitable for the joint life group credit card even after the group credit card is subscribed to. This point will be explained.

[0050] Regardless of whether the insured has a joint life insurance or single life insurance policy, the insured's data, such as the remaining debt balance, is notified by the bank to the insurance company every month. This is because the insurance company that underwrites life insurance needs to know the amount of coverage. It is not as simple as simply calculating the monthly debt balance based on the monthly repayment amount, as there are cases where early repayments are made. For this reason, the data is updated every month.

[0051] Unlike joint and several liabilities, which are covered by the remaining debt balance of one contract, joint life insurance for pair loans is unique in that it is covered by the remaining debt balance of two contracts. Therefore, the system of this embodiment is configured so that the bank notifies the insurance company every month of the insured number of the joint life insurance partner in addition to the remaining debt balance.

[0052] As part of the monthly group life insurance maintenance process, the group life insurance core system 1 is configured to detect the data of the joint life insurance counterparty, add up the counterparty's outstanding debt balance, and then set (reset) the insured person's insurance amount.

[0053] For these reasons, the system of this embodiment allows for prompt insurance payment, mortgage-related debt settlement, and the process of withdrawing from the insurance contract when an insured files an insurance claim. The short time between the insurance claim and payment is one of the most important factors when evaluating an insurance company. It is not something that should be dismissed as a given. Previously, joint life insurance policies for joint and several debts allowed only one outstanding debt; the need to process two outstanding loans, each with different loan amounts, loan terms, and interest rates, was completely unthinkable. Even if someone were interested in implementing a joint life insurance policy for a pair loan, they would likely be limited to simply updating the outstanding debts of each loan monthly and then combining them once an insurance claim was filed. However, this approach would not allow for fast insurance payment.

[0054] Above, we have described in detail the system consisting of the mortgage core system and group credit card core system and information processing device according to an embodiment of the present invention, particularly the group credit card core system, with reference to the drawings. However, the specific configuration is not limited to these embodiments, and the present invention also includes design changes that do not deviate from the gist of the present invention. For example, in the embodiments, the procedures performed by a mortgage loan applicant are described as being executed using a computer and a network. However, the technical concept of the present invention also applies to applications in person or by mail, in which the necessary input work is completed and digitized in the financial institution's system, followed by the mortgage core system, group credit life insurance core system, and information processing device. Furthermore, in the embodiments, the type of group credit life insurance can only be selected as the same as the joint life insurance company's, in order to ensure the effectiveness of the life insurance company. However, the technical concept of the present invention also applies to a configuration in which a different type of group credit life insurance can be selected to make the product more attractive to customers. Furthermore, in the embodiments, the transmission of appraisal results is described as being performed in a batch process. However, the technical concept of the present invention also applies to a configuration in which appraisal results are transmitted sequentially, as long as transmission is stopped until the appraisal results match those of the joint life insurance company. Furthermore, the technical idea of ​​the present invention also includes cases where two applicants for a pair loan simultaneously apply at a financial institution's counter, and in such cases, the group credit life insurance information receiving means may receive the group credit life insurance information for the two insured persons at the same time. Even in this case, since the number of days required for insurance review is highly likely to differ for each insured person, the process of not transmitting the review results until both review results are obtained and the review results match remains an important configuration. [Explanation of symbols]

[0055] 1. Group Life Insurance Core System (Server) 11. Method of receiving review data 12. Means of sending customer attraction information 13 Insurance Review Implementation Methods 14. Appraisal result storage means 15. Means of sending assessment results 2. Mortgage core system (server) 21. Means of receiving loan applications 22. Method of transmitting review data 23. Loan Preliminary Approval Implementation Method 24. Loan Review Implementation Method 3. Information processing equipment 31 Loan application transmission method 32 Customer attraction information receiving means 33 How to select a group life insurance plan 34 Notification means

Claims

1. A housing loan core system capable of executing the examination process for housing loans including at least pair loans among a plurality of types of housing loans, and a group credit life insurance core system that executes the examination process for group credit life insurance in cooperation with an information terminal operated by the insured, an examination data receiving means for receiving examination data including an application number and information on whether or not it is a pair loan from the housing loan core system; a group credit life insurance information receiving means for receiving information on the type of group credit life insurance selected by the insured from the information terminal operated by the insured; an assessment result storage means for accumulating and storing assessment results; and an appraisal result transmission means for transmitting appraisal results to the mortgage core system by batch processing at regular intervals, The assessment result transmission means transmits the assessment results to the housing loan core system when the assessment results of the two group credit life insurance applications become identical, in the case where the housing loan is a pair loan and joint life insurance is selected. A core system characterized by group life insurance.

2. The group credit life insurance information receiving means receives information on group credit life insurance at different times for each insured person when a pair loan is applied for. The group life insurance core system according to claim 1.

3. A group credit life insurance type selection means is provided for the insured to select one group credit life insurance from multiple types of group credit life insurance, The group credit life insurance type selection means controls so that when an insured who has made a selection earlier selects one type of group credit life insurance, an insured who makes a selection later can only select the one type of group credit life insurance. The group life insurance core system according to claim 1.

4. debt information receiving means for periodically receiving debt information data of the insured person from the mortgage backbone system; When the debt information data is received, the insured's insurance amount is updated by adding up the outstanding debts of the joint and conjoint counterparties. The group life insurance core system according to claim 1.

5. The insured person for the insurance amount updated by adding up the outstanding debts of the joint and contiguous counterparties will be both the first loan applicant and the second loan applicant. The group life insurance core system according to claim 1.

6. A housing loan core system capable of executing the examination process for housing loans including at least pair loans among a plurality of types of housing loans, and a group credit life insurance core system that executes the examination process for group credit life insurance and operates in cooperation with an information terminal operated by the insured, an examination data receiving means for receiving examination data including an application number and information on whether or not it is a pair loan from the housing loan core system; a group credit life insurance information receiving means for receiving information on the type of group credit life insurance selected by the insured from the information terminal operated by the insured; an assessment result storage means for accumulating and storing assessment results; an appraisal result transmission means for transmitting the appraisal results to the mortgage backbone system by sequential processing each time an appraisal result is obtained; When the housing loan is a pair loan and joint life insurance is selected, the assessment result transmission means does not perform the sequential processing even when an assessment result for one group credit life insurance application is obtained, but transmits the assessment result to the housing loan core system after the assessment results for the two group credit life insurance applications become identical. A core system characterized by group life insurance.

7. The computer of the group credit life insurance core system that executes the examination process for group credit life insurance, which operates in conjunction with the home loan core system that can execute the examination process for at least home loans including pair loans among multiple types of home loans, and the information terminal operated by the insured, A step of storing the assessment result of the group life insurance; A step of determining whether the stored assessment result is for a joint life insurance group life insurance; a step of determining whether or not the appraisal result of the other party to the joint life insurance has been stored when it is determined that the appraisal result is for the joint life insurance group; A program that executes at least This program for a group life insurance core system is characterized in that the assessment result of the other party to the joint group life insurance is not transmitted to the housing loan core system while the assessment result of the other party is not stored.

8. The computer of the housing loan core system that can process housing loans including at least pair loans among the various types of housing loans and the group credit life insurance core system that performs management processing of the group credit life insurance that operates in conjunction with the system. receiving data of the insured person, including at least the outstanding debt and the insured number of the joint life insurance company, from the mortgage core system once a month; A step of adding up the outstanding debt of the insured person for the current month and the outstanding debt of the joint life partner for the current month; resetting the combined debt balance as a new debt balance; A program for a group life insurance core system that executes at least the following.

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