Card issuance application system

Abstract

To provide a card issuance application system capable of increasing the number of credit cards issued to persons who are qualified to hold the credit cards.SOLUTION: A card issuance application system 1 for making an application for issuing a credit card from a terminal connected over a network includes: a basic information acquisition unit 21 which prompts an applicant terminal 4 to input basic information for examination; a first examination instruction unit 23 which issues an instruction to perform first examination based on the basic information; and an additional information acquisition unit 24 which prompts, when re-examination is required due to a determination result of the first examination, the applicant terminal to input additional information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a card issuance application system for allowing a user to apply for a credit card from a terminal connected via a network. [Background technology]

[0002] When applying for a credit card or taking out a loan from a financial institution, users are required to input information necessary for screening. Patent Document 1 discloses an information processing device for simplifying loan applications.

[0003] Patent Document 1 focuses on the fact that application information often contains information that is not necessary for loan screening, and simplifies the application process so as not to force users to enter information that is not necessary for screening, and has an estimation unit estimate the applicant's repayment ability from limited information.

[0004] When applying for a credit card or loan, the applicant is required to enter roughly the same number of items of application information, and even if the application information can be simplified as in Patent Document 1, it is still uniform. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Publication No. 2022-144347 Summary of the Invention [Problem to be solved by the invention]

[0006] However, some applicants may be willing to enter only a small amount of information to have their credit card issued, while others may be able to have their credit card issued if they provide additional information. Therefore, if applicants are required to enter many items uniformly, they may miss out on the opportunity to have their credit card issued.

[0007] SUMMARY OF THE INVENTION It is therefore an object of the present invention to provide a card issuance application system that can improve the performance of issuing credit cards to people who are eligible to hold credit cards. [Means for solving the problem]

[0008] In order to achieve the above-mentioned object, the card issuance application system of the present invention is a card issuance application system for allowing a user to apply for the issuance of a credit card from a terminal connected via a network, and is characterized by comprising a basic information acquisition unit that prompts the terminal to input basic information for review, a first review instruction unit that instructs the terminal to conduct a first review based on the basic information, and an additional information acquisition unit that prompts the terminal to input additional information if the judgment result of the first review requires a re-review.

[0009] Here, the additional information may be provided in multiple stages depending on the judgment result of the first review, and the system may be configured to include a continuation review instruction unit that acquires the additional information and instructs transition to the re-review.

[0010] The system may also be configured to include an issuance information acquisition unit that prompts the terminal to input card issuance information for card issuance. Furthermore, the system may also be configured to include an issuance notification unit that notifies the terminal of the issuance of a credit card based on the card issuance information if the result of the first screening indicates that rescreening is not necessary.

[0011] The issuance information acquisition unit may be configured to receive the card issuance information after transmitting a notification based on the result of the first screening to the terminal. Furthermore, the issuance information acquisition unit may be configured to include a cancellation processing unit that cancels the application if an interruption occurs due to the card issuance information not being received. [Effects of the Invention]

[0012] The card issuance application system of the present invention, configured in this manner, divides the acquisition of information for review to issue a credit card into multiple stages and is equipped with a first review instruction unit that first conducts a first review using only basic information.

[0013] Therefore, applicants who can be issued a credit card with only the minimum basic information such as legal items do not need to input extra application information, and the number of credit cards issued to those who are eligible to hold a credit card can be improved.

[0014] Furthermore, even for those who require further screening using additional information in addition to basic information, the burden of entering additional information can be reduced for some people by preparing multiple levels of additional information depending on the results of the first screening.

[0015] Furthermore, if the result of the first screening indicates that no re-screening is necessary, and the issuance notification department issues a notification of credit card issuance based on the card issuance information, the applicant who sees the notification can quickly find out that a credit card is scheduled to be issued.

[0016] Furthermore, if the issuance information acquisition unit receives card issuance information after sending a notification based on the judgment results of the first review to the terminal, the applicant only needs to enter the card issuance information during the first review and does not need to worry about the review time of the first review.

[0017] Furthermore, if a cancellation processing unit is provided to cancel the application when an interruption occurs due to the card issuance information not being received, the applicant can recognize that the application has been cancelled even after sending the basic information. [Brief explanation of the drawings]

[0018] [Figure 1] 1 is a block diagram illustrating the configuration of a card issuance application system according to an embodiment of the present invention. [Figure 2]1 is an explanatory diagram illustrating an outline of the processing flow of a card issuance application system according to an embodiment of the present invention. [Figure 3] FIG. 10 is an explanatory diagram illustrating basic information. [Figure 4] FIG. 10 is an explanatory diagram illustrating an example of card issuance information. [Figure 5] FIG. 10 is an explanatory diagram illustrating additional information A. [Figure 6] FIG. 10 is an explanatory diagram illustrating additional information B. [Figure 7] FIG. 10 is an explanatory diagram illustrating a credit card issuance notification. DETAILED DESCRIPTION OF THE INVENTION

[0019] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. Fig. 1 is a block diagram illustrating the configuration of a card issuance application system 1 according to this embodiment. Fig. 2 is an explanatory diagram illustrating an outline of the processing flow of the card issuance application system according to this embodiment.

[0020] A card issuance application system 1 of this embodiment realizes an application for issuance of a credit card by computers (2, 3, 4) connected via a network NW, as shown in FIG.

[0021] The network NW is configured by some or all of the Internet, a wide area network (WAN), a wired local area network (LAN), a wireless LAN (Wi-Fi), a provider device, a wireless base station, a dedicated line, and the like.

[0022] A computer includes a processing unit, an input device, a memory unit, a display device, etc., which may be integrated or separate depending on the required functions. The processing unit is composed of a central processing unit (CPU) and a micro-processing unit (MPU) as hardware, and includes memories such as random access memory (RAM) and read-only memory (ROM).

[0023] Input devices include keyboards, mice, touchpads, touch panels, scanners, microphones for voice input, etc. Display devices include liquid crystal displays and organic EL (Electro-Luminescence) displays.

[0024] The storage unit is a storage medium that records data generated by processing in the arithmetic processing unit and data required for arithmetic processing, and includes hard disks, solid-state drives (SSDs), flash memory (SD memory cards, etc.), magnetic disks, optical disks, etc. A cloud server can also be used as the storage unit.

[0025] The card issuance application system 1 described in this embodiment allows applications for credit card issuance to be made by connecting an applicant terminal 4, which is a terminal used by an applicant wishing to issue a credit card, and an application server 2 in a client-server system configuration.

[0026] The card issuance application system 1 also works in conjunction with an examination server 3 that examines whether or not to issue a credit card. The examination server 3 can be run on a computer separate from the application server 2, or on the same computer; either configuration is acceptable.

[0027] The examination server 3 examines whether or not to permit the issuance of a credit card based on the application information sent from the application server 2. The database used for this examination may be a proprietary database, or an external database operated by a third party.

[0028] The application server 2 of the card issuance application system 1 of this embodiment is located between the applicant terminal 4 and the examination server 3, improving the convenience of applications when issuing credit cards.

[0029] As shown in Figure 1, the application server 2 includes a basic information acquisition unit 21, an issuance information acquisition unit 22, a first review instruction unit 23, an additional information acquisition unit 24, a continued review instruction unit 25, an issuance notification unit 26, and a cancellation processing unit 27.

[0030] Furthermore, data generated by processing in the application server 2 and data required for calculation processing are stored in a storage unit 201 connected to the application server 2. The storage unit 201 can also use an external online storage (cloud storage) such as a server connected via a network NW.

[0031] The basic information acquisition unit 21 prompts the applicant terminal 4 to input basic information for screening. That is, the basic information acquisition unit 21 displays a basic information input screen on the monitor 41 of the applicant terminal 4 that has accessed the web page published by the card issuance application system 1.

[0032] The basic information is the minimum application information required for screening the issuance of a credit card. Figure 3 is an explanatory diagram illustrating an example of basic information. For example, it includes items that are legally required, such as name, date of birth, postal code, and contact phone number, as well as items determined by the business operator that operates the card issuance application system 1. The fewer items in this basic information there are, the less burden there is on the applicant to enter the information.

[0033] The issuance information acquisition unit 22 prompts the applicant terminal 4 to input card issuance information for card issuance. That is, the issuance information acquisition unit 22 displays an input screen for card issuance information on the monitor 41 of the applicant terminal 4.

[0034] Figure 4 is an explanatory diagram illustrating an example of card issuance information. Card issuance information includes information other than the information required for screening to issue a credit card, such as the purpose of using the credit card, the name to be engraved on the card, and the PIN number.

[0035] The first examination instruction unit 23 instructs the examination server 3 to carry out the first examination based on the basic information transmitted from the applicant terminal 4. In other words, the first examination is carried out in the examination server 3 using only the basic information.

[0036] Based on the judgment result of the first examination, the additional information acquisition unit 24 prompts the applicant terminal 4 to input additional information. That is, the additional information acquisition unit 24 causes the monitor 41 of the applicant terminal 4 to display an input screen for additional information.

[0037] 5 and 6 are explanatory diagrams showing examples of additional information. For example, two levels of additional information are prepared, and the input screen displayed on the monitor 41 of the applicant terminal 4 differs depending on the result of the first screening.

[0038] The additional information A shown in Figure 5 is an example of application information that is generally required when applying for a credit card, such as years of residence and type of residence. In other words, the basic information plus additional information A is the application information that has traditionally been required when applying for a credit card. For those who are approved for a credit card after only the first screening based on the basic information, input of additional information A can be omitted.

[0039] The additional information B shown in Figure 6 is an example of the additional information A that includes additional items such as annual household income and type of health insurance card, which allow for more detailed screening. For example, for people who would not have been approved for issuance based on the previous uniform application information alone, entering additional information B may leave them with the possibility of being issued a credit card.

[0040] The continuation examination instruction unit 25 acquires the additional information and instructs the transition to a re-examination based on the additional information A or additional information B. If the re-examination is to be carried out on the examination server 3, the continuation examination instruction unit 25 issues an instruction to the examination server 3 to carry out the re-examination. If the examination is to be continued on a server other than the examination server 3, a request for continuation examination is notified to the relevant departments of the examination together with the additional information A and B.

[0041] The issuance notification unit 26 issues a notification of the issuance of a credit card based on the card issuance information. That is, for applicant terminals 4 for which the first screening has resulted in approval for the issuance of a credit card and no need to input additional information, a message is displayed on the monitor 41 indicating that a credit card will be issued. Figure 7 is an explanatory diagram showing an example of a credit card issuance notification displayed on the monitor 41 of the applicant terminal 4. In addition to a statement informing that the credit card is ready to be issued, the notification also includes information such as the expected credit limit.

[0042] Cancellation processing unit 27 performs processing to cancel the application when an interruption occurs because the card issuance information is not received by application server 2. For example, even if basic information has been received from applicant terminal 4, if card issuance information has not been received, the card cannot be issued even if approval for issuance of a credit card is granted after screening. Therefore, the application is temporarily canceled and applicant terminal 4 is notified that the application has been canceled.

[0043] Next, the flow of processing in the card issuance application system 1 of this embodiment will be described with reference to FIG. An applicant who wishes to apply for a credit card begins their application by operating applicant terminal 4 to access the online membership page set up by card issuance application system 1. First, they are asked to agree to various terms and conditions for membership, so the applicant operates applicant terminal 4 to indicate their agreement and proceed with the procedure.

[0044] In step S1, basic information (see Figure 3) is entered on the input screen displayed on the monitor 41 of the applicant terminal 4 by the basic information acquisition unit 21 of the application server 2, and the entered basic information is sent to the application server 2.

[0045] In step S2, the basic information received from the applicant terminal 4 is sent to the examination server 3 by the first examination instruction unit 23 of the application server 2, and is accepted by the examination server 3 as a first examination request (step S3). The first examination is an examination that determines whether or not a credit card can be issued based on the basic information alone.

[0046] An input screen for card issuance information is displayed on monitor 41 of applicant terminal 4 that has sent the basic information by issuance information acquisition unit 22, and the applicant operates applicant terminal 4 to input card issuance information (see FIG. 4) (step S4). While this card issuance information is being input, the first screening is being carried out in screening server 3, but since the first screening is carried out in, for example, about 30 seconds, the applicant who is inputting the card issuance information does not have to wait for the screening.

[0047] When the judgment result of the first screening is issued, the judgment result is sent from the screening server 3 to the application server 2 (step S5), and the application server 2, having received the judgment result of the first screening, sends the judgment result to the applicant terminal 4 (step S6). This judgment result can be an "screening completion judgment" which indicates that the screening was completed with only the first screening, or a "continued screening judgment" which indicates that a re-screening is required.

[0048] The applicant terminal 4 that received the judgment result in step S7 will perform two different processes depending on the judgment result. First, the applicant terminal 4 that received the "examination completion judgment" is now in a state where it can send card issuance information, so it sends the card issuance information and completes the application (step S81).

[0049] For those who complete the screening process with only the first screening, the screening will be completed with only the minimum basic information they entered at the beginning, and they will be able to complete their credit card application by entering fewer items than before.

[0050] The application server 2 that has received the card issuance information transmits the card issuance information to the examination server 3 or another management server to register the application as a settlement result (step S811). On the monitor 41 of the applicant terminal 4 where the application has been completed, a notification (see FIG. 7) that the application has been completed and that a credit card will be issued is displayed by the issuance notification unit 26.

[0051] On the other hand, on the monitor 41 of the applicant terminal 4 that has received the judgment result of the "continued examination judgment," two different additional information input screens are displayed by the additional information acquisition unit 24 based on the content of the judgment result. That is, there are two types of judgment results of the continued examination judgment: one is a judgment result that requires the input of additional information A as shown in Figure 5, and the other is a judgment result that requires the input of additional information B as shown in Figure 6.

[0052] Those who require rescreening using additional information A are those who need to be screened using the same number of application information items as before. On the other hand, those who require rescreening using additional information B are those who need to be screened more thoroughly using a larger number of application information items than before. The applicant enters the requested additional information (A, B) according to the input screen displayed on monitor 41 (step S82).

[0053] The re-examination is a continuing examination that may take time and may not be completed while connected to the applicant terminal 4. Therefore, in order to complete the application, the card issuance information and additional information (A, B) are sent. At this time, a message such as "Thank you for your application" is displayed on the monitor 41 of the applicant terminal 4, simply notifying that the application has been completed (step S83).

[0054] Upon receiving the card issuance information and additional information (A, B), the continuous screening instruction unit 25 of the application server 2 sends the card issuance information to the screening server 3 (step S831) and also sends the additional information (A, B) (step S832).

[0055] The examination server 3 receives the card issuance information and the additional information (A, B) and accepts it as a reexamination request (step S9). Then, the examination server 3 performs a reexamination decision and registers it as the approval result (step S10).

[0056] 2, after the basic information is sent from the applicant terminal 4 to the application server 2, the applicant terminal 4 may disconnect for some reason and the application may be interrupted. In that case, if the application server 2 has not received the card issuance information, the cancellation processing unit 27 will cancel the application itself, and the applicant terminal 4 will be notified of this by email or the like.

[0057] Next, the operation of the card issuance application system 1 of this embodiment will be described. The card issuance application system 1 of this embodiment, configured as described above, divides the acquisition of information to be obtained for the review of credit card issuance into multiple stages and is equipped with a first review instruction unit 23 that first conducts the first review using only basic information.

[0058] Therefore, applicants who can be issued a credit card with only the minimum basic information such as legal items do not need to input extra application information, and the number of credit cards issued to those who are eligible to hold a credit card can be improved.

[0059] Furthermore, even for those who require further screening based on additional information in addition to basic information, the burden of inputting additional information can be reduced for some people by preparing multiple levels (for example, two levels) of additional information (A, B) based on the results of the first screening. As a result, it becomes possible to prevent people from abandoning their application due to the hassle of inputting information.

[0060] On the other hand, even for those who are required to enter more information than the conventional application information, Additional Information B, the possibility of being issued a credit card increases, which can increase the number of credit card users.

[0061] Furthermore, if the applicant who has been approved for issuance of a credit card through the first screening is notified of the issuance of the credit card by the issuance notification unit 26 based on the card issuance information they entered, the applicant who sees the notification will know in a short time that a credit card will be issued, and will be able to use this information to plan their usage.

[0062] Furthermore, if the issuance information acquisition unit 22 receives the card issuance information after sending a notification based on the judgment result of the first review to the applicant terminal 4, the applicant only needs to enter the card issuance information during the first review and does not need to worry about the review time of the first review.

[0063] Furthermore, if a cancellation processing unit 27 is provided to cancel the application when an interruption occurs due to failure to receive card issuance information, the applicant can recognize that the application has been cancelled by a cancellation notice from the cancellation processing unit 27 even after sending the basic information.

[0064] The embodiments of the present invention have been described above in detail with reference to the drawings, but the specific configuration is not limited to this embodiment, and design changes that do not deviate from the gist of the present invention are included in the present invention.

[0065] For example, in the above embodiment, a card issuance application system 1 including an examination server 3 was described, but this is not limited to this, and the card issuance application system 1 can also be configured with only an application server 2.

[0066] In addition, in the above embodiment, a case where two levels of additional information (A, B) are prepared is described, but this is not limited to this, and the additional information may be one level or three or more levels, and can be set arbitrarily depending on the number of judgment results of the first review.

[0067] Furthermore, in the above embodiment, a card issuance system equipped with an issuance information acquisition unit 22 and an issuance notification unit 26 was described, but this is not limited to this, and acquisition of card issuance information and notification of credit card issuance can also be performed by other means. [Explanation of symbols]

[0068] 1: Card issuance application system 2: Application server 21:Basic information acquisition section 22: Issue information acquisition unit 23: First Examination Instruction Division 24:Additional information acquisition section 25: Continuing Examination Instructions Division 26: Issue Notification Section 27: Cancellation processing section 201: Storage section 3: Review server 4: Applicant terminal (terminal) 41: Monitor NW: Network

Claims

1. A card issuance application system for allowing a user to apply for a credit card from a terminal connected via a network, comprising: a basic information acquisition unit that prompts the terminal to input basic information for examination; a first examination instruction unit that instructs the implementation of a first examination based on the basic information; A card issuance application system characterized by comprising an additional information acquisition unit that prompts the terminal to input additional information if the judgment result of the first review requires re-examination.

2. The card issuance application system described in claim 1, characterized in that the additional information is prepared in multiple stages depending on the judgment result of the first review, and is equipped with a continued review instruction unit that acquires the additional information and instructs transition to the re-examination.

3. 3. The card issuance application system according to claim 1, further comprising an issuance information acquisition unit that prompts the terminal to input card issuance information for card issuance.

4. The card issuance application system described in claim 3, characterized in that it is equipped with an issuance notification unit that notifies the issuance of a credit card based on the card issuance information if the judgment result of the first review indicates that the re-review is not necessary.

5. The card issuance application system described in claim 3, characterized in that the issuance information acquisition unit receives the card issuance information after sending a notification based on the judgment result of the first review to the terminal.

6. 6. The card issuance application system according to claim 5, further comprising a cancellation processing unit that cancels the application if the card issuance information is not received and an interruption occurs.

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