Information processing system and program

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 is a method for applying for a credit card from a terminal connected via a network. This relates to an information processing system and program for [Background technology]

[0002] When applying for a credit card or taking out a loan from a financial institution When applying for a loan, the user is required to enter the necessary information for the examination. An information processing device for this purpose is disclosed.

[0003] In Patent Document 1, attention is paid to the fact that application information often contains information that is not necessary for loan screening. To this end, we aim to simplify the application process so as not to force users to enter information that is not necessary for the screening process. The estimation unit estimates the applicant's repayment ability from limited information.

[0004] Here, when applying for a credit card or loan, the same number of items are generally required. It is necessary to input application information, and as in Patent Document 1, the application information has been simplified. However, the point of uniformity remains the same. [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 not be able to issue a credit card even if they enter only a small amount of information. While some people are good at it, others can issue credit cards if you provide additional information, and there are many options. Simply requiring a uniform input of the eyes may result in missed opportunities to issue credit cards.

[0007] Therefore, the present invention aims to improve the issuance performance of credit cards to those who are eligible to hold them. The purpose of this invention is to provide a card issuance application system that can [Means for solving the problem]

[0008] The information processing system of the present invention is a system for receiving credit cards from terminals connected via a network. A system for allowing a user to apply for issuance of a credit card, The basic information, which is the minimum necessary information among the application information used for the examination, is obtained from the terminal. The first step of the audit using the basic information is to conduct the first audit. If the credit card issuer is not determined to be able to issue the credit card based on the first screening alone, additional information different from the basic information among the application information is acquired from the terminal, and the additional information is a second means for processing the second examination, which is the second stage of the examination, and If it is determined that the credit card can be issued based on the above-mentioned inspection alone, the acquisition of the additional information and the The second examination is not required, and a notice that the credit card will be issued is sent to the terminal. The card issuance application system according to the embodiment is configured to: A card issuance application system that allows users to apply for a credit card from a terminal connected to the card. 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; Additional information that prompts the user to input additional information into the terminal if the judgment result requires reexamination The present invention is characterized by comprising an acquisition unit.

[0009] Here, the additional information is prepared in multiple stages depending on the judgment result of the first examination. a continuation examination instruction unit that acquires the additional information and instructs the transition to the reexamination; It is possible.

[0010] Also, an issuance information acquisition device that prompts the terminal to input card issuance information for card issuance. Furthermore, if the result of the first examination is that the reexamination is not necessary, the reexamination may be performed. If necessary, an issuance notification is sent based on the card issuance information. It is also possible to have a configuration including a part.

[0011] The issuing information acquisition unit also sends a notification based on the result of the first examination to the terminal. After transmitting the card issuing information, the card issuing information can be received. Cancellation of application if interruption occurs due to not receiving card issuance information. It may also be configured to include a processing unit. [Effects of the Invention]

[0012] In the card issuance application system of the present invention configured as above, The information to be acquired for the screening process will be divided into several stages, with only basic information being collected first. It is equipped with a first examination instruction unit that carries out the examination.

[0013] For this reason, it is not possible to issue a credit card with only the minimum basic information, such as legally required items. Applicants who can do this do not need to enter any additional application information and can use the card. This will improve the performance of issuing certificates to those who are eligible.

[0014] In addition, even if a person requires further screening based on additional information in addition to basic information, the first screening By preparing multiple levels of additional information depending on the judgment results, the burden of inputting additional information can be reduced. , and some people may be able to reduce it.

[0015] In addition, if the result of the first screening indicates that a re-screening is not necessary, the credit card company will If the notification of issuance of the card is made by the issuance notification department, the applicant who sees the notification will You will know in a short time that your credit card will be issued.

[0016] Furthermore, the issuing information acquisition unit transmits a notification based on the judgment result of the first examination to the terminal. If the card issuance information is received after the first screening, the applicant will receive the card issuance information during the first screening. All you have to do is enter the information and you don't have to worry about the review time for the first review.

[0017] Also, if the card issuance information is not received and an interruption occurs, the application will be canceled. If a cancellation processing unit is provided, the application can be canceled even after the applicant has submitted basic information. You can recognize that the transaction has been cancelled. [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 a diagram showing an outline of the processing flow of the card issuance application system according to this embodiment. It is a clear diagram.

[0020] The card issuance application system 1 of this embodiment is configured, for example, as shown in FIG. Computers (2, 3, 4) connected via the network issue credit cards. Make the application a reality.

[0021] Network NW is the Internet, WAN (Wide Area Network), wired LAN (L Local Area Network), Wireless LAN (Wi-Fi), Provider equipment, Wireless base station, Dedicated It is composed of part or all of a line, etc.

[0022] A computer is a device that combines a processing unit, an input device, a memory unit, a display device, etc. to perform the required functions. The processing unit is provided as a single unit or as a separate unit depending on the situation. It is composed of a RAM ( It is equipped with memory such as Random Access Memory (Random Access Memory) and ROM (Read Only Memory).

[0023] Input devices include keyboards, mice, touchpads, touch panels, scanners, and voice input devices. Also, display devices include liquid crystal displays, organic EL (Electro-luminescent) displays, etc. Fluorescent (e.g., fluoro-luminescence) displays can be used.

[0024] The storage unit stores data generated by the processing in the arithmetic processing unit and data required for the arithmetic processing. The storage media that records data includes hard disks, solid-state drives (SSDs), and flash drives. Flash memory (such as SD memory cards), magnetic disks, optical disks, etc. It is also possible to use a cloud server as the storage unit.

[0025] The card issuance application system 1 described in this embodiment is for a person who wishes to issue a credit card. The applicant terminal 4, which is the terminal used by the applicant who wishes to apply, and the application server 2 are connected as a client server. By connecting in a server-type system configuration, applications for credit card issuance can be made. It can be done.

[0026] The card issuance application system 1 also includes an examination server that examines whether or not a credit card can be issued. The examination server 3 can be run on a computer separate from the application server 2. They can be executed on the same computer, and either configuration is acceptable. .

[0027] The examination server 3 issues a credit card application based on the application information sent from the application server 2. The database used for this review is a proprietary It can be a database, or an external database operated by a third party. It may also be something.

[0028] The application server 2 of the card issuance application system 1 of this embodiment has an applicant terminal 4 and It acts as an intermediary between the credit card issuer and the credit card review server 3, improving the convenience of the application process when issuing a credit card. To raise.

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

[0030] In addition, data generated by processing on the application server 2 and data required for calculation processing The application server 2 stores the application information in the storage unit 201 connected to the application server 2. External online storage (cloud storage) such as servers connected via a network You can also use.

[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 acquires the web page published by the card issuance application system 1. A basic information input screen is displayed on the monitor 41 of the applicant terminal 4 that has accessed the page.

[0032] Basic information is the minimum application information required to review the issuance of a credit card. FIG. 3 is an explanatory diagram illustrating basic information. For example, name, date of birth, and postal code. , contact phone number, and other legally required items, as well as the card application form. The items are determined by the operator of System 1. The smaller the number of entries, the lighter the burden on the applicant.

[0033] The issuance information acquisition unit 22 receives card issuance information for issuing a card from the applicant terminal 4. That is, the issue information acquisition unit 22 displays the card information on the monitor 41 of the applicant terminal 4. A screen for entering the card issuance information will be displayed.

[0034] FIG. 4 is an explanatory diagram illustrating an example of card issuance information. The purpose of use of the card, the name engraved on the card, the PIN number, etc. This information is other than the information required for the review of the bank.

[0035] The first examination instruction unit 23 instructs the examination server 20 based on the basic information transmitted from the applicant terminal 4. 3 to carry out the first examination. In 3, only basic information is used.

[0036] The additional information acquisition unit 24 transmits the additional information to the applicant terminal 4 based on the result of the first examination. That is, the additional information acquisition unit 24 displays the following on the monitor 41 of the applicant terminal 4: , a screen for entering additional information will be displayed.

[0037] 5 and 6 are explanatory diagrams illustrating examples of additional information. For example, two levels of additional information are prepared. The input displayed on the monitor 41 of the applicant terminal 4 is determined based on the result of the first examination. The screen is different.

[0038] Additional information A shown in Figure 5 is generally used for credit card transactions, such as years of residence and type of residence. This is the application information item required when applying for the issuance of a card. The information added to the above information is the application information that was previously required when issuing a credit card. For those who are approved for a credit card after only the first screening based on basic information, This means that the input of additional information A can be omitted.

[0039] The additional information B shown in Figure 6 is a combination of the input items of the additional information A, such as annual household income and type of health insurance card. Items such as the following have been added to enable more detailed examinations. For those who were not granted permission for issuance based on the previous uniform application information, input of additional information B is required. This leaves open the possibility of a credit card being issued.

[0040] The continuation examination instruction section 25 acquires the additional information and performs the examination based on the additional information A or B. If the re-examination is to be performed on the examination server 3, the instruction to continue the examination is The examination server 3 is instructed to carry out a re-examination from the examination department 25. If the review continues on a server other than Server 3, the relevant departments for the review will be notified along with additional information A and B. Notification of requests for continued review will be sent to the applicant.

[0041] The issuance notification unit 26 issues a notification of the issuance of a credit card based on the card issuance information. In other words, the input of additional information that was approved for issuance of a credit card through the first screening is required. For applicant terminals 4 with unnecessary judgment results, a credit card is not expected to be issued on the monitor 41. 7 shows the credit card information displayed on the monitor 41 of the applicant terminal 4. FIG. 1 is an explanatory diagram illustrating a card issuance notification. The notification includes a notification that a credit card is being prepared for issuance. In addition to a statement informing you that the arrangements have been made, the planned available quota will also be listed.

[0042] The cancellation processing unit 27 detects that the application server 2 has not received the card issuance information and has been interrupted. In this case, a process for canceling the application is performed. For example, basic information is input from the applicant terminal 4. Even if you have received the information, if you have not received the card issuance information, you will be rejected by the screening process. Even if you are approved for a credit card, you will not be able to issue the card, so please apply first. The application is cancelled and the applicant terminal 4 is notified that the application has been cancelled.

[0043] Next, referring to FIG. 2, the processing flow of the card issuance application system 1 of this embodiment will be described. We will explain about this. An applicant who wishes to issue a credit card operates the applicant terminal 4, Access the online membership page set up by the card issuance application system 1 and begin your application. First, the applicant must agree to various terms and conditions for joining. By operating this, you can express your consent and proceed with the procedure.

[0044] In step S1, the basic information acquisition unit 21 of the application server 2 monitors the applicant terminal 4. Enter basic information (see Figure 3) on the input screen displayed in 41 and send it to the application server 2. Send the basic information you entered.

[0045] In step S2, the basic information received from the applicant terminal 4 is input to the application server 2 as a first examination instruction. The request is sent to the examination server 3 by the examination unit 23, and is received by the examination server 3 as a first examination request. (Step S3) The first screening is to determine whether a credit card is issued based on basic information only. This is an examination to determine whether or not it is acceptable.

[0046] The monitor 41 of the applicant terminal 4 that has sent the basic information displays the card number by the issuing information acquisition unit 22. The card issuance information input screen is displayed, and the applicant operates the applicant terminal 4 to The card issuing information (see FIG. 4) is input (step S4). While the first examination is being carried out, the examination server 3 is carrying out the first examination. 1 The screening will be carried out, so applicants who have entered their card issuance information will not be informed of the waiting time for the screening. It doesn't grow.

[0047] When the result of the first review is announced, the review server 3 sends the result to the application server 2 ( In step S5, the application server 2 receives the result of the first examination and sends it to the applicant terminal 4. The judgment result is transmitted (step S6). This judgment result includes the fact that the judgment was completed with only the first judgment. The "examination completion judgment" indicates that the application has been approved, and the "examination continuation judgment" indicates that a reexamination is required. be.

[0048] In step S7, the applicant terminal 4 receives the judgment result and performs two different First, the applicant terminal 4 that has received the "examination completion decision" You will now be able to send the issuance information, so send the card issuance information to complete your application. (Step S81).

[0049] For those who complete the first screening, the screening will be completed with only the minimum basic information entered at the beginning. This means that you can now pay with your credit card by entering fewer items than before. You can then complete your application.

[0050] The application server 2 that receives the card issuance information registers the application as a decision result. Then, the card issuance information is transmitted to the examination server 3 or another management server (step S811). The monitor 41 of the applicant terminal 4 where the application has been completed will display a message indicating that the application has been completed and the credit card number has been issued. A notice (see FIG. 7) that a card is to be issued is displayed by the issuance notice unit 26. can be.

[0051] On the other hand, the monitor 41 of the applicant terminal 4 that received the judgment result of the "continuation examination judgment" displays the judgment result Based on the content of the additional information, the additional information acquisition unit 24 displays two different additional information input screens. In other words, there are two types of judgment results for the continued examination judgment. One is the follow-up judgment as shown in Figure 5. The other is the judgment result that requires the input of additional information A, and the other is the judgment result that requires the input of additional information B as shown in Figure 6. This is the judgment result that requires input.

[0052] Those who need re-examination based on additional information A will be examined based on the same number of application information items as before. On the other hand, the number of people who need reexamination based on additional information B is increasing. The applicant must undergo a detailed examination based on the number of items in the application information. Enter the required additional information (A, B) according to the input screen displayed in 1 (Step Step S82).

[0053] Re-examination is a continuing examination that may take time, and while connected to the applicant terminal 4, In some cases, the application may not be completed, so please enter your card issuance information and additional information to complete the application. At this time, the monitor 41 of the applicant terminal 4 displays the message "Application Thank you for your application. A message is displayed (step S83).

[0054] The continuation examination instruction unit 25 of the application server 2 that received the card issuance information and additional information (A, B) The card issuing information is sent to the examination server 3 (step S831). Additional information (A, B) is also transmitted (step S832).

[0055] The examination server 3 that has received the card issuance information and additional information (A, B) sends a reexamination request. Then, a re-examination decision is made and the decision is registered (step S9). Step S10).

[0056] Although not shown in FIG. 2, basic information is sent from the applicant terminal 4 to the application server 2. After the application is completed, the applicant terminal 4 may be disconnected for some reason, and the application may be interrupted. In this case, if the application server 2 has not received the card issuance information, the cancellation processing unit 27 The application itself will be canceled, and the applicant terminal 4 will be notified of this by email, etc. You will be notified.

[0057] Next, the operation of the card issuance application system 1 of this embodiment will be described. In the card issuance application system 1 of this embodiment configured as above, The information to be acquired for the review of the issuance of the certificate will be acquired in multiple stages, with only basic information being collected first. The first examination instruction unit 23 causes the first examination to be performed.

[0058] For this reason, it is not possible to issue a credit card with only the minimum basic information, such as legally required items. Applicants who can do this do not need to enter any additional application information and can use the card. This will improve the performance of issuing certificates to those who are eligible.

[0059] In addition, even if a person requires further screening based on additional information in addition to basic information, the first screening Depending on the result of the judgment, prepare additional information (A, B) in multiple stages (for example, two stages). This can reduce the burden of inputting additional information for some people. This will prevent users from abandoning their application due to the hassle of inputting information.

[0060] On the other hand, for those who are required to enter more items than the conventional application information, Additional Information B, Even if the credit card is issued, the possibility of credit card issuance increases, and the number of credit card users increases. It is possible.

[0061] In addition, applicants who have been approved for a credit card after the first screening will be Based on the input card issuance information, a credit card issuance notification is sent by the issuance notification unit 26. If this is the case, applicants who see the notice will be informed that a credit card will be issued. This will allow users to quickly find out the details and use them to plan their usage.

[0062] Furthermore, the issuing information acquisition unit 22 notifies the applicant terminal of the notification based on the result of the first examination. If the order is to receive card issuance information after sending the last 4, the applicant will be All you need to do is enter the card issuance information, and you don't have to worry about the review time for the first review.

[0063] Also, if the card issuance information is not received and an interruption occurs, the application will be canceled. If the cancellation processing unit 27 is provided, the applicant can cancel the request even after sending the basic information. The cancellation notice from the processing unit 27 indicates that the application has been cancelled. It is possible.

[0064] The embodiment of the present invention has been described above in detail with reference to the drawings. The present invention is not limited to the embodiments, and any 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, the card issuance application system 1 including the examination server 3 However, the present invention is not limited to this, and the card issuance application system may be implemented using only the application server 2. You can also configure System 1.

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

[0067] Furthermore, in the embodiment, the card having the issuance information acquisition unit 22 and the issuance notification unit 26 Although the issuance system has been described, the present invention is not limited to this, and any other system for obtaining card issuance information may be used. Notification of benefits and credit card issuance may be made 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 department 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. To allow users to apply for credit cards from terminals connected via a network An information processing system comprising: The minimum necessary application information to be used in the screening process to determine whether or not the credit card can be issued The basic information is obtained from the terminal, and the first stage of the examination is carried out using the basic information. a first means for processing to perform a first examination; If it is not determined that the credit card can be issued based on the first screening alone, additional information different from the basic information is acquired from the terminal, and a second A second means for processing to perform a second examination, which is the examination of the third stage; If it is determined that the credit card can be issued based on the first screening alone, the additional information and the second examination is not required, and the notification that the credit card will be issued is and a third means for executing the same on the terminal. Information processing system.

2. The second means is configured to add a plurality of levels of additional information prepared in advance according to the result of the first examination. The additional information to be acquired from the information The information processing system according to claim 1 .

3. The second means is The results of the first review indicate that a detailed second review is not necessary. In this case, first additional information is acquired from the terminal as the additional information; If the results of the first examination indicate that a detailed second examination is necessary, In this case, second additional information having a larger number of items than the first additional information is sent to the terminal as the additional information. Get from The information processing system according to claim 2 .

4. The first means is, when it is determined that the credit card can be issued only by the first examination, In this case, the information required for issuing the credit card is different from the information for the screening. By acquiring the card issuing information from the terminal, the application for issuance of the credit card is completed. Complete the insertion, The second means is a means for determining whether the credit card can be issued based on the first examination alone. In this case, the additional information and the card issuance information are acquired from the terminal, and the credit card Complete the application for issuing a credit card The information processing system according to any one of claims 1 to 3.

5. To allow users to apply for credit cards from terminals connected via a network In the information processing system, The minimum necessary application information to be used in the screening process to determine whether or not the credit card can be issued The basic information is obtained from the terminal, and the first stage of the examination is carried out using the basic information. a step of processing to perform a first examination; If it is not determined that the credit card can be issued based on the first screening alone, additional information different from the basic information is acquired from the terminal, and a second a step of processing to conduct a second examination, which is the examination of the third stage; If it is determined that the credit card can be issued based on the first screening alone, the additional information and the second examination is not required, and the notification that the credit card will be issued is causing the terminal to perform the steps of program.

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