Information processing method, information processing system, shop terminal, and management server

Abstract

To smoothly perform the credit examination of a purchase applicant and a guarantor even when the purchase applicant of merchandise or service or the guarantor can select an input method for inputting information necessary for the credit examination by his or her own terminal.SOLUTION: A method for processing information includes a step of designating a method for inputting personal information of a person who wants to purchase a commodity or a service and guarantor information of a guarantor, a step of acquiring the personal information of the person who wants to purchase the commodity or the service, which is input in a user-terminal 20A, by a management server 30 according to the set inputting method, and a step of notifying the shop terminals 10 of necessity of the guarantor information from the management server 30. The method includes a step in which a management server 30 acquires guarantor information input by a guarantor at a user-terminal 20B, and a step in which the information on the commodity or service, the personal information, and the guarantor information are associated with one another and transmitted to an examination server 40.SELECTED DRAWING: Figure 11

Description

[Technical Field]

[0001] The present invention relates to an information processing method, an information processing system, a store terminal, and a management server. [Background technology]

[0002] BACKGROUND ART Techniques for applying for a loan over a network such as the Internet are known (for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6733797 Summary of the Invention [Problem to be solved by the invention]

[0004] Because different users have different preferred methods for entering loan application information, it would be convenient for users to select from a variety of entry methods to suit their needs. However, particularly in applications for loans that require a guarantor, if an entry method is selected in which the applicant and guarantor enter the loan application information on their own terminals without visiting a dealership, the dealer may not be aware that the entry of information required for the applicant's credit screening has been completed and the entry of information required for the guarantor's credit screening is now required. In this case, there is a problem that the entry of information required for the guarantor's credit screening is delayed, preventing the smooth progress of the applicant and guarantor's credit screening.

[0005] To smoothly conduct credit examinations of prospective purchasers and guarantors of goods or services, even when the prospective purchasers or guarantors can select an input method for inputting information required for credit examinations on their own terminals. [Means for solving the problem]

[0006] One aspect of the present invention provides an information processing method comprising the steps of: specifying an input method for personal information, which is information about a person wishing to purchase a product or service, and guarantor information, which is information about the person's guarantor; a management server acquiring the personal information entered at a store terminal managed by the provider of the product or service or at the terminal of the person wishing to purchase in accordance with the set input method; the store terminal receiving a notification that the guarantor information is required; after the notification, the management server acquiring the guarantor information entered at the store terminal or the guarantor's terminal in accordance with the set input method; and correlating the product or service information, the personal information, and the guarantor information, and transmitting them to an examination server that performs a credit examination of the person wishing to purchase.

[0007] The input method is a method in which at least a portion of the personal information and guarantor information is input or approved at the terminal of the prospective purchaser and the terminal of the guarantor, respectively, and the information processing method may further include a step in which the store terminal sends a request for input of at least a portion of the personal information or approval of the information input at the store terminal to the terminal of the prospective purchaser, and a request for input of at least a portion of the guarantor information or approval of the information input at the store terminal to the terminal of the guarantor.

[0008] The information processing method may further include a step in which the store terminal receives the results of the review on the ability to pay for the goods or services from the review server, and a step in which the store terminal displays information indicating the progress of the review of the personal information and the progress of the review of the guarantor information.

[0009] The information processing method may further include the steps of: the store terminal receiving from the review server a notification of a provisional decision on the ability to pay for the product or service; the store terminal storing the product or service information, the customer information, and the guarantor information related to the notification of provisional decision; the store terminal, after receiving the notification of provisional decision, accepting amendments to the product or service information related to the notification of provisional decision; the management server acquiring the amended customer information or amended guarantor information entered at the store terminal, the prospective purchaser's terminal, or the guarantor's terminal according to the set input method; and the management server associating the amended product or service information, the amended customer information, and the amended guarantor information and transmitting them to the review server.

[0010] Another aspect of the present invention is a system including at least one of a store terminal managed by a provider of a product or service, a terminal of a person who wishes to purchase the product or service, and a terminal of a guarantor of the person who wishes to purchase the product or service, and a management server, wherein the store terminal has a means for specifying an input method for personal information, which is information about the person who wishes to purchase the product or service, and guarantor information, which is information about the guarantor, and the management server has a means for acquiring the personal information input at the store terminal or the terminal of the person who wishes to purchase the product or service, according to the set input method, a means for notifying the store terminal that the guarantor information is required, and a means for, after the notification, inputting the set guarantor information. An information processing system is provided which has a means for acquiring the guarantor information input at the store terminal or the guarantor terminal in accordance with an input method, and a means for associating information on the product or service with the customer's personal information and the guarantor information and transmitting the information to an examination server which performs a credit examination of the prospective purchaser, wherein the store terminal or the prospective purchaser's terminal has a means for transmitting the customer's personal information input in accordance with the set input method to the management server, and the store terminal or the guarantor's terminal has a means for transmitting the guarantor information input in accordance with the set input method to the management server after receiving the notification.

[0011] Yet another aspect of the present invention provides a store terminal that includes a means for specifying an input method for personal information, which is information about a person wishing to purchase a product or service, and guarantor information, which is information about the guarantor of the person wishing to purchase, and a means for receiving a notification from a management server that the guarantor information is required, wherein the personal information is input at the store terminal or at the terminal of the person wishing to purchase in accordance with the set input method, and when the management server acquires the personal information input at the store terminal or at the terminal of the person wishing to purchase, it issues the notification, and after the notification, the guarantor information is input at the store terminal or at the terminal of the guarantor in accordance with the set input method.

[0012] Yet another aspect of the present invention provides a management server comprising: means for acquiring personal information, which is information about a prospective purchaser, inputted into a store terminal or a terminal of a prospective purchaser of the product or service in accordance with an input method set in the store terminal managed by the provider of the product or service; means for notifying the store terminal that guarantor information, which is information about a guarantor of the prospective purchaser, is required; means for acquiring the guarantor information inputted into the store terminal or the guarantor's terminal after the notification in accordance with an input method set in the store terminal; and means for associating the product or service information, the personal information, and the guarantor information and transmitting the information to an examination server that performs a credit examination of the prospective purchaser. [Effects of the Invention]

[0013] According to the present invention, even if a prospective purchaser of a product or service or a guarantor can select an input method for inputting the information required for credit screening on their own terminal, credit screening of the prospective purchaser and guarantor can be carried out smoothly. [Brief explanation of the drawings]

[0014] [Figure 1] FIG. 1 is a diagram illustrating a configuration of an application system according to an embodiment. [Figure 2] FIG. 2 is a diagram illustrating the configuration of a store terminal. [Figure 3] FIG. 10 is a diagram illustrating a status DB. [Figure 4] FIG. 2 is a diagram illustrating the configuration of a user terminal. [Figure 5] FIG. 2 is a diagram illustrating an example of the configuration of a management server. [Figure 6] 10 is a sequence chart illustrating a provisional application process for an auto loan. [Figure 6A] 10 is a sequence chart illustrating a provisional application process for an auto loan (when information is entered at a store terminal). [Figure 6B] 10 is a sequence chart illustrating a provisional application process for an auto loan (when information is input via a user terminal). [Figure 7] 10 is a sequence chart illustrating a provisional application process for an auto loan. [Figure 8] FIG. 10 is a diagram illustrating an example of a screen for applying for an auto loan. [Figure 9] FIG. 10 is a diagram illustrating an example of a screen for applying for an auto loan. [Figure 10] FIG. 10 is a diagram illustrating an example of a screen for applying for an auto loan. [Figure 11] 10 is a sequence chart illustrating an example of a main application process for an auto loan. [Figure 12] FIG. 10 is a diagram illustrating an example of a screen for applying for an auto loan. DETAILED DESCRIPTION OF THE INVENTION

[0015] 1. Configuration FIG. 1 is a diagram illustrating the configuration of an application system 1 according to one embodiment. The application system 1 is a system for applying for a loan (a so-called auto loan) used when purchasing a car over a network 2 such as the Internet. The application system 1 supports applications for various auto loan products, such as regular auto loans as well as residual value-based auto loans. When entering the application information required for an auto loan application, the application system 1 allows the user to select from a variety of input methods, such as a method in which the user enters the application information using a store terminal 10, a method in which the user enters the information using their own user terminal 20, or a method in which a dealership clerk enters the application information on behalf of the user using the store terminal 10.

[0016] The application system 1 includes a store terminal 10, user terminals 20A and 20B, a management server 30, and an examination server 40. The application system 1 is an example of an information processing system according to the present invention. When there is no need to distinguish between the user terminal 20A and the user terminal 20B, the user terminals 20A and 20B are collectively referred to as "user terminals 20." The store terminal 10, the user terminal 20, the management server 30, and the examination server 40 are communicatively connected via a network 2. The network 2 may include a wired network such as the Internet, as well as a wireless network such as a mobile communication network or a wireless LAN (Local Area Network). The manager and operator of the management server 30 and the manager and operator of the examination server 40 may be the same person or different people.

[0017] FIG. 2 is a diagram illustrating the configuration of a store terminal 10. The store terminal 10 is installed in a dealership that provides products or services (hereinafter referred to as "products, etc.") purchased with an auto loan, and is managed by the dealership. The store terminal 10 is used to input application information for an auto loan. Examples of the store terminal 10 include a personal computer, a smartphone, and a tablet terminal. The store terminal 10 includes a processor 11, a memory 12, a storage 13, a communication IF (Interface) 14, an input device 15, and a display device 16. These components are connected via a bus.

[0018] The processor 11 controls and performs calculations on each part of the store terminal 10. An example of the processor 11 is a CPU (Central Processing Unit). The memory 12 is used as a work area when the server 11 executes the program 131. Examples of the memory 12 include a ROM (Read Only Memory) and a RAM (Random Access Memory). The storage 13 stores a program 131 for implementing the functions of the store terminal 10 and a status DB (Database) 132 for managing the status of the auto loan application procedure. The program 131 includes a web browser for displaying web screens provided by a web server. Examples of the storage 13 include a hard disk drive (HDD), Examples include SSD (Solid State Drive) and flash memory. Under the control of the processor 11, the store terminal 10 communicates with other devices via the network 2. The input device 15 is used by the user to operate the store terminal 10. Examples of the input device 15 include a keyboard, a mouse, a touch panel, and operation buttons. Under the control of the processor 11, the display device 16 displays various screens for applying for an auto loan. These screens are, for example, web screens. Examples of the display device 16 include a liquid crystal display and an organic EL (Electro Luminescence) display.

[0019] The processor 11 executes a program 131 stored in the storage 13 or the memory 12, thereby functioning as a setting means 111, a receiving means 112, a sending means 113, an issuing means 114, a receiving means 115, an updating means 116, and an acquiring means 117. These functions are realized by software working in cooperation with hardware resources.

[0020] The setting means 111 specifies the input method for the personal information and guarantor information included in the auto loan application information in response to an operation by a dealership clerk. The personal information is information indicating the attributes of the applicant and is used for credit screening of the applicant (hereinafter referred to as "personal screening"). The personal information includes, for example, name, date of birth, address, telephone number, whether or not the applicant has a driver's license (if yes, driver's license number), occupation, and credit information. The guarantor information is information indicating the attributes of the guarantor and is used for credit screening of the guarantor (hereinafter referred to as "guarantor screening"). The guarantor information includes, for example, name, date of birth, address, telephone number, occupation, and credit information. The input methods for the personal information and guarantor information include a method for inputting the personal information or guarantor information, a method for obtaining consent including approval of the personal information or guarantor information, and a method for issuing a URL for inputting the personal information or guarantor information.

[0021] The input method for personal information or guarantor information specifies the terminal used for input and the person who inputs it. The input methods for personal information or guarantor information include a personal input method using the store terminal 10, a personal input method using the user terminal 20, and an input assistance method. The personal input method using the store terminal 10 is a method in which the applicant or guarantor inputs the personal information or guarantor information using the store terminal 10. The personal input method using the user terminal 20 is a method in which the applicant or guarantor inputs at least a portion of the personal information or guarantor information using their own user terminal 20A or 20B. The input assistance method is a method in which a store clerk inputs the personal information on behalf of the applicant based on the applicant's request, with the applicant present. The input assistance method is suitable for applicants who are unfamiliar with input. When the personal input method or input assistance method using the store terminal 10 is used, the applicant or guarantor must visit the store. On the other hand, when the personal input method using the user terminal 20 is used, the applicant or guarantor does not need to visit the store.

[0022] To apply for an auto loan, approval of application information and consent to various terms and conditions are required. Consent is obtained by obtaining various consents, including approval of personal information or guarantor information. There are three methods for obtaining consent: screen viewing, SMS (Short Message Service), and phone call. The screen viewing method is a method in which the applicant or guarantor checks the application details on a screen displayed on the store terminal 10 and obtains consent. The SMS method is a method in which a short message including a URL (Uniform Resource Locator) of a consent confirmation screen is sent to the user terminal 20A or 20B of the applicant or guarantor, and the applicant or guarantor checks at least part of the application details on the consent confirmation screen displayed on the user terminal 20A or 20B in accordance with this URL and obtains consent. The SMS method is a method in which a short message is sent using a telephone number The telephone method is a method in which the applicant or guarantor confirms the application details written on the application confirmation sheet provided by the dealer, and then calls the applicant or guarantor to obtain their consent.

[0023] When the user inputs the personal information or guarantor information using the user terminal 20, a URL for the input screen is issued to display the input screen for the personal information or guarantor information on the user terminal 20. The input URL issuance method is a method of issuing the URL for the input screen to the user terminal 20. There are three methods for issuing the input URL: an email transmission method, a guidebook output method, and a manual issuance method. The email transmission method is a method of sending an email containing the URL for the input screen to the user terminal 20A or 20B. The guidebook output method is a method of sending guidebook data containing at least either the URL for the input screen or a two-dimensional code indicating this URL to the user terminal 20A or 20B. The manual issuance method is a method of sending an email or a message on a social networking service (SNS) containing the URL for the input screen by operation of a store clerk. This is a method of creating a message and transmitting it to the user terminal 20A or 20B.

[0024] The reception means 112 receives input of auto loan application information according to the input method set by the setting means 111. More specifically, the reception means 112 receives input of purchase information for a product or the like for which the auto loan is used. The purchase information includes, for example, detailed information about the product or the like, price information, dealer information, auto loan terms, auto loan payment plans, and other information related to the purchase of the product or the like. Furthermore, when the setting means 111 sets a personal input method or input assistance method using the store terminal 10, the reception means 112 receives input of personal information or guarantor information.

[0025] The transmission means 113 transmits the application information whose input has been accepted by the acceptance means 112 to the management server 30. More specifically, the transmission means 113 transmits to the management server 30 the information whose input has been accepted by the acceptance means 112 out of the purchase information, the customer information, and the guarantor information.

[0026] The issuing means 114 issues a URL of a screen for inputting the principal information or guarantor information to the user terminal 20A or 20B according to the input method set by the setting means 111. More specifically, when the setting means 111 sets a principal input method using the user terminal 20, the issuing means 114 issues a URL of a screen for inputting the principal information or guarantor information to the user terminal 20A or 20B according to the input URL issuing method set by the setting means 111. An expiration date may be set for this URL. In the user terminal 20A or 20B, the principal information or guarantor information is input and the information input at the store terminal 10 is approved using the input screen displayed according to the URL issued by the issuing means 114. Therefore, by issuing the URL of the input screen, the issuing means 114 requests the input of the principal information or guarantor information and approval of the information input at the store terminal 10.

[0027] The receiving means 115 receives the results of the auto loan examination conducted by the examination server 40 using the auto loan application information from the examination server 40. The receiving means 115 also accepts notifications from the management server 30.

[0028] The update means 116 updates the status DB 132 in accordance with the examination result received by the reception means 115. The updated status DB 132 may be displayed on the display device 16 in response to an operation by a sales clerk at the store.

[0029] 3 is a diagram illustrating the status DB 132. The status DB 132 stores status information indicating the status of an auto loan application procedure. The status information includes an application ID that uniquely identifies the application, the application date or the last update date, the applicant's name, the application procedure, The status information includes the status indicating the application or progress of the review, purchase information, review results, URL issuance information for the applicant, guarantor registration information, and URL issuance information for the guarantor. These pieces of information contained in the status information are related to each other using the application ID as a key.

[0030] Returning to FIG. 2 , when a final application for an auto loan is made, the acquisition means 117 acquires application information for the corresponding provisional application from the management server 30 and stores it in the storage 13. This application information includes purchase information, personal information, and guarantor information used in the screening of the provisional application. When applying for an auto loan, a provisional application may be made before the final application. If the provisional application does not pass the screening, the user can review the conditions, such as the product and options to be purchased, before making the final application. If a provisional application is made before the final application, the application information for the provisional application acquired by the acquisition means 117 is reused in the final application. Therefore, the user only needs to modify the parts that need to be changed from the provisional application, and does not need to re-enter the parts that are the same as the application information for the provisional application.

[0031] FIG. 4 is a diagram illustrating the configuration of a user terminal 20. User terminal 20A is used by an applicant who is a prospective purchaser wishing to purchase a product or the like using an auto loan, and is used to input personal information. In addition, a guarantor may be required for an auto loan contract. User terminal 20B is used by the guarantor and is used to input guarantor information. Examples of user terminals 20 include smartphones, tablet terminals, and personal computers. User terminal 20 includes a processor 21, memory 22, storage 23, a communication IF 24, an input device 25, a display device 26, and a camera 27. These components are connected via a bus.

[0032] The processor 21 controls and performs calculations for each component of the user terminal 20. An example of the processor 21 is a CPU. The memory 22 is used as a work area when the processor 21 executes the program 231. Examples of the memory 22 include a ROM and a RAM. The storage 23 stores the program 231 for implementing the functions of the user terminal 20. The program 231 includes a web browser for displaying web pages provided by a web server. Examples of the storage 23 include a HDD, an SSD, and a flash memory. The communication IF 24 communicates with other devices via the network 2 under the control of the processor 21. The input device 25 is used by the user to operate the user terminal 20. Examples of the input device 25 include a keyboard, a mouse, a touch panel, and operation buttons. The display device 26 displays various screens for applying for an auto loan under the control of the processor 21. These screens are, for example, web screens. Examples of the display device 26 include an LCD display and an organic EL display. The camera 27 captures a two-dimensional code indicating the URL of a screen for inputting the user's information or guarantor information.

[0033] The processor 21 executes a program 231 stored in the storage 23 or the memory 22 to function as a receiving unit 211 and a transmitting unit 212. These functions are realized by software working in cooperation with hardware resources.

[0034] The reception means 211 receives input of the principal information or guarantor information in accordance with the input method set by the setting means 111 of the store terminal 10. More specifically, when the principal input method using the user terminal 20 is set, the reception means 211 receives input of the principal information or guarantor information.

[0035] The transmitting means 212 transmits the principal information or guarantor information input by the receiving means 211 to the management server 30 .

[0036] 5 is a diagram illustrating the configuration of the management server 30. The management server 30 is The management server 30 receives auto loan applications and transmits auto loan application information to the screening server 40. The management server 30 includes a processor 31, a memory 32, a storage 33, and a communication IF 34. These components are connected via a bus.

[0037] The processor 31 controls and performs calculations for each part of the management server 30. An example of the processor 31 is a CPU. The memory 32 is used as a work area when the processor 31 executes the program 331. Examples of the memory 32 are a ROM and a RAM. The storage 33 stores the program 331 for realizing the functions of the management server 30. The program 331 includes a web server for providing a web screen to a web browser. Examples of the storage 33 are an HDD, an SSD, and a flash memory. The communication IF 34 communicates with other devices via the network 2 under the control of the processor 31.

[0038] The processor 31 executes a program 331 stored in the storage 33 or the memory 32, thereby functioning as a first acquisition means 311, a notification means 312, a second acquisition means 313, and a transmission means 314. These functions are realized by software working in cooperation with hardware resources.

[0039] The first acquisition means 311 acquires, from the store terminal 10 or the user terminal 20A, personal information input at the store terminal 10 or the user terminal 20A in accordance with the input method set by the setting means 111 of the store terminal 10.

[0040] Once the entry of the personal information for this application is complete, the notification means 312 notifies the store terminal 10 that guarantor information is required. In this application, the purchase information and personal information required for personal screening, and the guarantor information required for guarantor screening, are sent together to the screening server 40, and the screening process proceeds. Therefore, once the entry of the personal information for this application is complete, guarantor information must be entered. Therefore, this notification is sent so that the retailer can prompt the guarantor to enter guarantor information.

[0041] After the notification by the notification means 312, the second acquisition means 313 acquires the guarantor information input at the shop terminal 10 or the user terminal 20B from the shop terminal 10 or the user terminal 20B.

[0042] The transmission means 314 transmits the auto loan application information to the examination server 40. In the case of a provisional application, the transmission means 314 transmits the purchase information, the personal information, and the guarantor information separately. On the other hand, in the case of a full application, the transmission means 314 transmits the purchase information, the personal information, and the guarantor information together in association with each other.

[0043] Returning to Figure 1, the screening server 40 is managed by a credit company that provides auto loans. The screening server 40 performs a credit screening to determine the ability to pay for the products and other items purchased using the auto loan. If a guarantor is required for the auto loan contract, this credit screening includes a guarantor screening in addition to a personal screening. The results of the credit screening can be either a pass, indicating that the applicant has the ability to pay for the products and other items purchased using the auto loan, or a reject, indicating that the applicant does not have the ability to pay. Note that the credit screening method is a known technology, so a detailed explanation of it will be omitted here.

[0044] 2.Operation 2.1 Provisional application 6, 6A, 6B, and 7 are sequences illustrating a provisional application process for an auto loan. This is a chart. Here, we will explain an example in which a provisional application is made before a final application. However, a provisional application is not required, and only a final application may be made. Figures 6A and 6B show operations corresponding to different information input methods, and Figure 6 combines these into one.

[0045] 8 to 10 are diagrams showing example screens for applying for an auto loan. First, a top screen 610 is displayed on the display device 16 of the store terminal 10. When a "New Application" button 611 included in the top screen 610 is pressed by a dealer's clerk, the provisional application process begins. Here, an example will be described in which a guarantor is required for an auto loan contract. In this case, the provisional application process first involves the applicant's application procedure and personal screening, followed by the guarantor's application procedure and guarantor screening.

[0046] In step S11 shown in FIG. 6, the reception means 112 of the store terminal 10 receives input of purchase information for a product or the like that will be used for an auto loan. As shown in FIG. 8, when the "New Application" button 611 is pressed, a purchase information input screen 620 is displayed on the display device 16. A salesperson at the dealer operates the input screen 620 to input purchase information for a product or the like that will be used for an auto loan. As shown in FIG. 8, the input screen 620 may be divided into multiple input screens 620-1 to 620-n (n is an integer of 2 or greater), which may be displayed in sequence. When the purchase information is input, the reception means 112 adds an application ID to the input purchase information.

[0047] Returning to Fig. 6, in step S12, the setting means 111 of the store terminal 10 sets the method for inputting personal information and the method for obtaining consent for the input purchase information, personal information, and various terms and conditions. As shown in Fig. 8, the input screen 620-n includes a selection button 622 for selecting the personal information input method using the user terminal 20. When the personal information input method using the user terminal 20 is selected, the store clerk presses the selection button 622. When the selection button 622 is pressed, the setting means 111 sets the personal information input method using the user terminal 20.

[0048] On the other hand, when selecting an input method other than the personal input method using the user terminal 20, the retail store clerk performs an operation of pressing a "Next" button 621 included in the input screen 620. When the "Next" button 621 is pressed, an input method selection screen 630 is displayed on the display device 16. The selection screen 630 includes a selection button 631 for selecting the applicant as the person who will input the personal information, and a selection button 632 for selecting the retail store clerk. When the personal input method using the store terminal 10 is selected, the retail store clerk performs an operation of pressing the selection button 631. When the selection button 632 is pressed, the setting means 111 sets the personal input method using the store terminal 10. On the other hand, when selecting the input assistance method, the retail store clerk performs an operation of pressing the selection button 632. When the selection button 632 is pressed, the setting means 111 sets the input assistance method.

[0049] Furthermore, selection screen 630 includes selection button 633 for selecting the screen viewing method, selection button 634 for selecting the SMS method, and selection button 635 for selecting the call method. When selecting the screen viewing method, the store clerk performs an operation of pressing selection button 633. When selection button 633 is pressed, setting means 111 sets the screen viewing method. When selecting the SMS method, the store clerk performs an operation of pressing selection button 634. When selection button 634 is pressed, setting means 111 sets the SMS method. When selecting the call method, the store clerk performs an operation of pressing selection button 635. When selection button 635 is pressed, setting means 111 sets the call method.

[0050] If the personal input method or input assistance method using the store terminal 10 is set, the process proceeds to step S13 shown in FIG. 6A. The means 112 accepts the input of personal information and consent confirmation. For example, when the personal input method or input assistance method using the store terminal 10 and the screen viewing method are set, a consent confirmation screen 640 shown in FIG. 9 is displayed on the display device 16 of the store terminal 10. The consent confirmation screen 640 includes the entered purchase information, a check box 641 for confirming agreement with the various terms and conditions required for the auto loan contract, and a transition button 642 for approving the purchase information and proceeding to the next step. When the applicant approves the purchase information and agrees to the various terms and conditions required for the auto loan contract by viewing the consent confirmation screen 640 displayed on the display device 16, the applicant or a dealership clerk checks the check box 641 included in the consent confirmation screen 640 and then presses the transition button 642.

[0051] When the transition button 642 is pressed, a personal information input screen 650 is displayed on the display device 16. The applicant or a store clerk enters personal information on the input screen 650 and then presses the transition button 651. When the personal information is entered, the reception means 112 adds an application ID to the entered personal information. When the transition button 651 is pressed, a personal information confirmation screen 660 is displayed on the display device 16. The confirmation screen 660 includes the entered personal information and a transition button 661 for proceeding to the next step after approving the personal information. When the applicant approves the personal information by viewing the confirmation screen 660 displayed on the display device 16, the applicant or the store clerk presses the transition button 661 included in the confirmation screen 660. When the transition button 661 is pressed, an application content confirmation screen 670 is displayed on the display device 16. The confirmation screen 670 includes the entered purchase information and personal information, and an apply button 671 for applying for an auto loan after giving final approval to the purchase information and personal information. When the applicant gives final approval to the purchase information and personal information by viewing the confirmation screen 670 displayed on the display device 16, the applicant or a salesperson at the dealership presses the apply button 671.

[0052] 6, in step S14, the transmission means 113 of the store terminal 10 transmits the purchase information for which consent was confirmed in step S13 and the personal information for which input and consent was confirmed to the management server 30. When the purchase information and personal information are transmitted from the store terminal 10, the first acquisition means 311 of the management server 30 receives the purchase information and personal information.

[0053] On the other hand, if the personal information input method using the user terminal 20 is set, the process proceeds to step S15 in FIG. 6B. In step S15, the setting means 111 of the store terminal 10 sets a method for issuing a URL for inputting personal information. As shown in FIG. 8, when the selection button 622 included in the input screen 620 is pressed, an issuance method selection screen 700 is displayed on the display device 16. The selection screen 700 includes a selection button 701 for selecting the email transmission method, a selection button 702 for selecting the guidebook output method, and a selection button 703 for selecting the manual issuance method. When the email transmission method is selected, the store clerk presses the selection button 701. When the selection button 701 is pressed, the setting means 111 sets the email transmission method. When the guidebook output method is selected, the store clerk presses the selection button 702. When the selection button 702 is pressed, the setting means 111 sets the guidebook output method. When the manual issuing method is selected, the salesperson at the store presses the selection button 703. When the selection button 703 is pressed, the setting means 111 sets the manual issuing method.

[0054] Returning to FIG. 6, in step S16, the issuing means 114 of the store terminal 10 issues the URL of the personal information input screen 650 to the user terminal 20A according to the input URL issuing method set by the setting means 111. The issuance of this URL serves both as the input of personal information and the transmission of a request for approval of the information input at the store terminal 10. More specifically, if the email transmission method is set, the issuing means 114 automatically creates an email including the URL of the personal information input screen 650 and sends it to the user terminal 20A. If the guidebook output method is set, In this case, issuing means 114 automatically creates guidebook data including the URL of personal information input screen 650 and a two-dimensional code indicating this URL, and transmits it to user terminal 20A. In the case where the manual issuance method is set, issuing means 114 copies the URL of personal information input screen 650 and pastes it into an email or SNS message by an operation of a store clerk, and creates an email or SNS message including this URL and transmits it to user terminal 20A.

[0055] In step S17, the accepting means 211 of the user terminal 20A accepts the input of personal information and confirmation of consent. First, by operation of the applicant, a personal information input screen 650 shown in FIG. 9 is displayed on the display device 26 in accordance with the URL issued in step S15. At this time, if the email transmission method is set, the URL included in the email is used. If the guidebook output method is set, the URL included in the guidebook data or the URL read by photographing the two-dimensional code included in the guidebook data with the camera 27 is used. If the manual issuance method is set, the URL included in the email or SNS message is used. Note that the personal information input screen 650 may be displayed after user authentication. After the input screen 650 is displayed, the display and operation of the screens subsequent to the personal information input screen 650 described in step S13 above are performed on the user terminal 20A.

[0056] Here, even when the personal information input method using the user terminal 20 is set, the input of personal information and part of the consent confirmation may be performed at the store terminal 10, and the rest at the user terminal 20A. For example, after part of the personal information is input at the store terminal 10 using a method similar to the processing of step S13 described above, the processing of steps S15 to S17 described above may be performed. In this case, the personal information input screen 650 displayed on the display device 26 of the user terminal 20A will already have part of the personal information input at the store terminal 10 entered. Therefore, the applicant only needs to input the remaining personal information using the user terminal 20A. Furthermore, the applicant may correct the personal information input at the store terminal 10 using the user terminal 20A as necessary. However, part of the personal information input at the store terminal 10, such as the date of birth and telephone number, may not be able to be corrected at the user terminal 20.

[0057] 6, in step S18, the transmitting means 212 of the user terminal 20A transmits the purchase information for which consent was confirmed in step S17 and the personal information for which consent was entered and confirmed to the management server 30. When the purchase information and personal information are transmitted from the user terminal 20A, the first obtaining means 311 of the management server 30 receives the purchase information and personal information.

[0058] Note that, when the personal input method or input assistance method using the store terminal 10, and the SMS method are set, the consent confirmation screen 640 and subsequent screens shown in FIG. 9, which were described in step S13 above, are displayed and operated on the store terminal 10. However, when the transition button 661 included in the personal information confirmation screen 660 is pressed, the transmission means 113 of the store terminal 10, operated by a store clerk, sends a short message including a URL of a personal information input screen 650 to the user terminal 20A. When the user terminal 20A receives this short message, the personal information input screen 650 shown in FIG. 9 is displayed on the display device 26 according to the URL included in the short message, operated by the applicant. Note that the personal information input screen 650 may be displayed after user authentication. After the input screen 650 is displayed, the personal information input screen 650 and subsequent screens, which were described in step S17 above, are displayed and operated on the user terminal 20A. However, since the personal information input screen 650 will already contain the personal information entered at the store terminal 10, the applicant can simply correct this personal information using the user terminal 20A as necessary.

[0059] Furthermore, when the personal input method or input assistance method using the store terminal 10, and the phone call method are set, the consent confirmation screen 640 and subsequent screens shown in FIG. 9 and described in step S13 above are displayed and operated on the store terminal 10. However, when the transition button 661 included in the personal information confirmation screen 660 is pressed, the date and time for calling the applicant to confirm consent is specified by the dealer's clerk or the applicant, and an application confirmation document is printed. The applicant confirms the personal information included in the application confirmation document provided by the dealer. The credit company providing the auto loan calls the applicant at the specified date and time and obtains approval of the personal information from the applicant. After approval is obtained from the applicant, an application confirmation screen 670 shown in FIG. 9 is displayed on the display device 16. After the confirmation screen 670 is displayed, the application confirmation screen 670 and subsequent screens described in step S13 above are displayed and operated on the store terminal 10.

[0060] In step S19, the transmission means 314 of the management server 30 transmits the purchase information and personal information received from the store terminal 10 or the user terminal 20A to the examination server 40. In step S20, the examination server 40 performs a personal examination using the purchase information and personal information received from the management server 30. In step S21, the examination server 40 attaches an application ID to the results of the personal examination performed in step S20 and transmits them to the store terminal 10. The results of the provisional application examination are not the final examination results for the auto loan, and therefore serve as a notification of a provisional decision on the examination. When the results of the personal examination are transmitted from the examination server 40, the receiving means 115 of the store terminal 10 receives the results of the personal examination. The examination server 40 may also transmit the results of the personal examination to the store terminal 10 and the user terminal 20A.

[0061] In step S22, the update means 116 of the store terminal 10 updates the status DB 132 according to the result of the personal verification received from the verification server 40. For example, if the result of the personal verification of the provisional application to which the application ID "AP001" is attached is approved, the update means 116 changes the date associated with the application ID "AP001" in the status DB 132 to the date at the time of update, changes the status to "Personal verification of provisional application completed," and changes the verification result to "Successful verification," as shown in FIG. 3. This status of "Personal verification of provisional application completed" indicates that the personal verification of the provisional application has been completed and the guarantor verification has not yet been carried out. Furthermore, if a URL for the personal information input screen 650 has been issued for the provisional application, the update means 116 changes the personal input URL issuance information associated with the application ID "AP001" to "URL issued."

[0062] After the application procedure and the personal screening are completed in this manner, the guarantor application procedure and the guarantor screening are then carried out. In step S23 shown in FIG. 7, the setting means 111 of the store terminal 10 specifies the method for inputting guarantor information. As shown in FIG. 10, once the personal screening is completed, the display device 16 of the store terminal 10 displays the top screen 610 again. When the "Reapply" button 612 included in the top screen 610 is pressed by a retail store clerk, a search screen 680 is displayed on the display device 16. The retail store clerk enters search criteria using the date, application ID, etc. on the search screen 680 and then presses the search button 681. When the search button 681 is pressed, status information of applications that meet the search criteria is extracted from the status DB 132 and displayed on the search screen 680. Because this status information includes the status of applications that meet the search criteria, the retail store clerk can grasp the progress of the personal screening and guarantor screening for each of these applications by viewing the status. The salesperson at the store selects the target provisional application based on the status information displayed on the search screen 680.

[0063] When the provisional application is selected in response to this operation, an application details screen 690 is displayed on the display device 16. The application details screen 690 includes the purchase information and personal information entered in the provisional application, as well as a menu bar 691. Personal information input method using the store terminal 10 When selecting the personal input method using the store terminal 10, the store clerk performs an operation to select an operation item 692 from the menu bar 691 for selecting the personal input method using the store terminal 10. When the operation item 692 is selected, the setting means 111 sets the personal input method using the store terminal 10. On the other hand, when selecting the personal input method using the user terminal 20, the store clerk performs an operation to select an operation item 693 from the menu bar 691 for selecting the personal input method using the user terminal 20. When the operation item 693 is selected, the setting means 111 sets the personal input method using the user terminal 20.

[0064] If the personal information input method using the store terminal 10 is set, the process proceeds to step S24 shown in FIG. 7. In step S24, the reception means 112 of the store terminal 10 accepts the input of guarantor information and consent confirmation made by the guarantor in a manner similar to the process of step S13 described above. More specifically, the display device 16 of the store terminal 10 displays a guarantor information input screen, a guarantor information confirmation screen, and an application content confirmation screen similar to the personal information input screen 650, personal information confirmation screen 660, and application content confirmation screen 670 shown in FIG. 9. However, on the guarantor information input screen, guarantor information confirmation screen, and application content confirmation screen, guarantor information is input and consent confirmation is made instead of personal information. Note that the guarantor information input screen may be displayed after user authentication. The reception means 112 also adds an application ID to the input guarantor information.

[0065] 7, in step S25, the sending means 113 of the store terminal 10 sends the guarantor information entered and agreed to in step S24 to the management server 30. When the guarantor information is sent from the store terminal 10, the first acquisition means 311 of the management server 30 receives this guarantor information.

[0066] On the other hand, if the personal information input method using the user terminal 20 is set, the process proceeds to step S26. In step S26, the setting means 111 of the store terminal 10 sets a method for issuing a URL for inputting guarantor information using the same method as in the process of step S15 described above. In step S27, the issuing means 114 of the store terminal 10 issues a URL for an input screen for guarantor information to the user terminal 20B according to the method for issuing the input URL set by the setting means 111 using the same method as in the process of step S16 described above. The issuance of this URL also serves as sending a request for input of guarantor information. In step S28, the accepting means 211 of the user terminal 20B accepts the input of guarantor information and consent confirmation using the same method as in the process of step S17 described above. More specifically, the display device 26 of the user terminal 20B displays a guarantor information input screen, a guarantor information confirmation screen, and an application content confirmation screen similar to the personal information input screen 650, personal information confirmation screen 660, and application content confirmation screen 670 shown in FIG. 9. However, on the guarantor information input screen, guarantor information confirmation screen, and application content confirmation screen, guarantor information is input and consent is confirmed instead of personal information. The guarantor information input screen may be displayed after user authentication. Furthermore, the reception means 211 adds an application ID to the input guarantor information.

[0067] 7, in step S29, the sending means 113 of the user terminal 20B sends the guarantor information entered and agreed upon in step S28 to the management server 30. When the guarantor information is sent from the user terminal 20B, the first acquisition means 311 of the management server 30 receives this guarantor information.

[0068] In step S30, the transmission means 314 of the management server 30 transmits the guarantor information received from the store terminal 10 or the user terminal 20B to the examination server 40. In step S31, the examination server 40 performs guarantor examination using the guarantor information received from the management server 30. In step S32, the examination server 40 adds an application ID to the result of the guarantor examination performed in step S31 and transmits it to the store terminal 10. As described above, the provisional application The screening result is not the final screening result for the auto loan, and is therefore a notification of a provisional decision on the screening. When the guarantor screening result is transmitted from the screening server 40, the receiving means 115 of the store terminal 10 receives the guarantor screening result. The screening server 40 may also transmit the guarantor screening result to the store terminal 10 as well as to the user terminals 20A and 20B.

[0069] In step S33, the update means 116 of the store terminal 10 updates the status DB 132 according to the results of the guarantor screening received from the screening server 40. For example, if the result of the guarantor screening for the provisional application with the application ID "AP001" is approved, the update means 116 changes the date associated with the application ID "AP001" in the status DB 132 shown in FIG. 3 to the date at the time of update, changes the status to "Guarantor screening completed for provisional application," and changes the screening result to "Successful screening." This status of "Guarantor screening completed for provisional application" indicates that the personal screening and guarantor screening for the provisional application have been completed. Furthermore, if a URL for the guarantor information input screen has been issued for the provisional application, the update means 116 changes the URL issuance information for guarantor input associated with the application ID "AP001" to "URL issued."

[0070] 2.2 Application FIG. 11 is a sequence chart illustrating the actual application process for an auto loan. FIG. 12 is a diagram illustrating an example of a screen for applying for an auto loan. As shown in FIG. 12, a top screen 610 is first displayed on the display device 16 of the store terminal 10. When a "Reapply" button 612 included in the top screen 610 is pressed by a sales clerk at the dealership, the actual application process begins. Here, an example will be described in which a provisional application has been made before the actual application.

[0071] In step S41 shown in FIG. 11 , the acquisition means 117 of the store terminal 10 acquires application information for a provisional application corresponding to the actual application, i.e., purchase information, customer information, and guarantor information, from the management server 30 and stores it in the storage 13. As shown in FIG. 12 , when the “Re-application” button 612 is pressed, a search screen 680 is displayed on the display device 16. On the search screen 680, search criteria such as the date and application ID are entered by a retail store clerk. When the search button 681 is pressed, status information for applications that meet the search criteria is extracted from the status DB 132 and displayed on the search screen 680. Because this status information includes the status of applications that meet the search criteria, the retail store clerk can grasp the progress of the customer screening and guarantor screening for each of these applications by viewing the status information. The retail store clerk selects the corresponding provisional application based on the status information displayed on the search screen 680.

[0072] Returning to FIG. 11, in step S42, the reception means 112 of the store terminal 10 accepts input of corrections to the purchase information. When the corresponding provisional application is selected in response to an operation by a store clerk, an application details screen 690 shown in FIG. 12 is displayed on the display device 16. The application details screen 690 includes the purchase information and personal information entered in the corresponding provisional application, as well as a menu bar 691. When correcting the purchase information, the store clerk selects an operation item 694 for correcting the purchase information from the menu bar 691 and then performs an operation to correct the purchase information included in the application details screen 690. The reception means 112 accepts the input of the purchase information corrected by this operation.

[0073] 11, in step S43, the setting means 111 of the store terminal 10 sets the method for inputting personal information and the method for obtaining consent for the input purchase information, personal information, and various terms and conditions, similar to the process in step S12 described above. After the purchase information is corrected and input on the application details screen 690 shown in FIG. 12, the purchase information input screen 620 and subsequent screens shown in FIG. 8 are displayed. Here, the purchase information included in the input screen 620 is input by the operation of the store clerk. An example will be described in which the selection button 622 is pressed and the personal input method using the user terminal 20 is set.

[0074] If the identity input method using the user terminal 20 is set, the process proceeds to step S44 shown in Fig. 11. The processes of steps S44 to S47 are the same as the processes of steps S15 to S18 described above. However, since the identity information input screen 650 is in a state where the identity information of the provisional application has been input, the applicant only needs to correct the identity information as necessary. The accepting means 211 of the user terminal 20A accepts the input of the identity information corrected in accordance with the applicant's operation.

[0075] If the personal input method or input assistance method using the store terminal 10 is set, the same processing as in steps S13 and S14 described above is performed instead of steps S44 to S47. In this case, the accepting means 112 of the store terminal 10 accepts the input of personal information corrected in response to the applicant's operation.

[0076] In step S48, the first acquisition means 311 of the management server 30 stores the purchase information and personal information received from the user terminal 20A in the storage 13. In this application, the purchase information and personal information necessary for personal screening and the guarantor information necessary for guarantor screening are sent together to the screening server 40, and the screening of these items proceeds. In step S48, the purchase information and personal information necessary for personal screening have been acquired, but the guarantor information necessary for guarantor screening has not yet been acquired, so the guarantor information needs to be entered.

[0077] In step S49, the notification means 312 of the management server 30 sends to the store terminal 10 a notification indicating that guarantor information is required, along with the application ID. This notification indicates that the entry of the purchase information and personal information required for personal screening has been completed, and that it is now possible to conduct personal screening, and therefore guarantor information needs to be entered. When the notification is sent from the management server 30, the receiving means 115 of the store terminal 10 receives this notification. In response to this notification, the display device 16 of the store terminal 10 may display a warning message in red at the top of the search screen 680 shown in FIG. 10, for example, indicating that a guarantor application procedure is required.

[0078] Returning to FIG. 11 , in step S50, the update means 116 of the store terminal 10 updates the status DB 132 in response to the notification from the management server 30. For example, if a notification with an application ID of "AP001" is received, the update means 116 changes the date associated with the application ID of "AP001" in the status DB 132 to the date at the time of update, changes the status to "Information required for personal screening of this application has been entered," and changes the screening result to "Successful screening." Furthermore, if a URL for the personal information input screen 650 has been issued for this application, the update means 116 changes the personal information input URL issuance information associated with the application ID of "AP001" to "URL issued." Furthermore, if the status is not changed for a predetermined period after being changed to "Information required for personal screening of this application has been entered," a warning message may be displayed on the display device 16 of the store terminal 10.

[0079] The notification from management server 30 and the update of status DB 132 allow the store clerk to understand that the entry of the purchase information and personal information required for personal screening has been completed and that the store is now ready to conduct personal screening. In this case, the entry of guarantor information is required, so the store clerk prompts the guarantor to enter the guarantor information.

[0080] In step S51, the setting means 111 of the store terminal 10 specifies the input method of the guarantor information, similar to the process in step S23 described above. Here, an example will be described in which the personal input method using the user terminal 20 is set.

[0081] If the personal input method using the user terminal 20 is set, the process proceeds to step S52. The processes of steps S52 to S55 are the same as those of steps S26 to S29 described above. However, since the guarantor information input screen will be in a state where the guarantor information of the provisional application has been input, the guarantor only needs to amend the guarantor information as necessary. The accepting means 211 of the user terminal 20B accepts the input of the guarantor information amended in response to the applicant's operation.

[0082] If the personal input method or input assistance method using the store terminal 10 is set, the same processes as those in steps S24 and S25 described above are performed instead of the processes in steps S52 to S55. In this case, the reception means 112 of the store terminal 10 receives the input of the guarantor information corrected in response to an operation by the guarantor.

[0083] In step S56, the transmission means 314 of the management server 30 associates the guarantor information received from the user terminal 20B with the purchase information and personal information stored in the storage 13 in step S48 and transmits them to the examination server 40. For example, the transmission means 314 extracts from the storage 13 the purchase information and personal information to which the same application ID as the guarantor information has been added, and transmits a data set consisting of the received guarantor information and the extracted purchase information and personal information to the examination server 40.

[0084] In step S57, the screening server 40 performs a personal screening and a guarantor screening using the purchase information, personal information, and guarantor information received from the management server 30. In step S58, the screening server 40 attaches an application ID to the results of the personal screening and the guarantor screening and transmits them to the store terminal 10. When the results of the personal screening and the guarantor screening are transmitted from the screening server 40, the receiving means 115 of the store terminal 10 receives these screening results. The screening server 40 may also transmit the results of the personal screening and the guarantor screening to the store terminal 10, along with the results of the personal screening and the guarantor screening, to the user terminals 20A and 20B. In step S59, the update means 116 of the store terminal 10 updates the status DB 132 based on the results of the personal screening and the guarantor screening, similar to the processing in step S32 described above.

[0085] In addition, if a provisional application has not been made before the actual application, instead of the processing of steps S41 to S47 and S51 to S55 shown in Figure 11, processing similar to that for a provisional application, i.e., processing similar to the processing of steps S11 to S18 and S23 to S29 shown in Figure 6, may be performed.

[0086] According to the above-described embodiment, once the entry of personal information in this application process is completed, the store terminal 10 is notified that guarantor information is required. In response to this notification, the store prompts the guarantor to enter guarantor information, thereby enabling the personal and guarantor screenings to proceed smoothly. Furthermore, the application system 1 allows the user to select a method for entering personal information and guarantor information. For example, if the personal input method using the user terminal 20 is selected, the applicant or guarantor can enter personal information or guarantor information without visiting the store. In this case, the applicant does not need to send the documents required for the application to the guarantor.

[0087] Furthermore, when the personal information input method using the user terminal 20 is selected, a URL for a screen for inputting personal information or guarantor information is issued, allowing for a smooth input of personal information or guarantor information. Furthermore, because the store terminal 10 has a status DB 132, the status information contained in the status DB 132 is displayed on the display device 16, allowing the retailer to grasp the progress of the screening, such as whether the personal information or guarantor screening has been completed. Furthermore, if a provisional application has been made prior to the actual application, the purchase information, personal information, and guarantor information entered in the provisional application are displayed on the screen in the actual application with the information already entered, so that it is only necessary to modify this information as necessary, which saves the effort of inputting information compared to re-entering all the information.

[0088] 3. Variations The present invention is not limited to the above-described embodiment. The above-described embodiment may be modified as shown in the following examples. In this case, two or more of the following modifications may be used in combination.

[0089] In the above-described embodiment, when the issuing means 114 of the store terminal 10 is notified by the management server 30 that guarantor information is required, the issuing means 114 may issue a URL of an input screen for guarantor information to the user terminal 20B in accordance with the SMS method, without the intervention of a store clerk at the retailer. According to this modification, the guarantor can be prompted to input guarantor information without the store clerk having to operate the store terminal 10.

[0090] In the above-described embodiment, if the status of a certain application included in the status DB 132 is changed to "Information required for personal screening of this application has been entered" and then remains unchanged for a predetermined period of time, there is a possibility that the guarantor has forgotten to enter the guarantor information. In this case, the store terminal 10 may transmit information to the user terminal 20B reminding the user to enter the guarantor information. This modification can prevent delays in entering the guarantor information.

[0091] In addition to individual applications where both the applicant and guarantor are individuals, the application system 1 may also accommodate corporate applications where the primary contractor is a corporation and the guarantor is an individual. In the case of a corporate application, the representative of the corporation and the guarantor are the same person, so the representative can proceed with the principal application procedure and guarantor application procedure by simply entering their personal information, without having to enter guarantor information. According to this variation, even when a corporate application is made, the method for entering personal information can be selected.

[0092] The application system 1 is not limited to being applied to the application process for an auto loan, but may also be applied to the application process for loans or shopping credits used to purchase products other than cars, or to a dealer's claim for advance payment to an arbitration company. In the case of an advance payment claim, the method of the advance payment claim may be either paperless, web-based, or contract-based. According to this variation, even when applying for a loan other than an auto loan, shopping credit, or advance payment claim, the method of inputting the information required for the procedure can be selected.

[0093] The screens displayed on the store terminal 10 and the user terminal 20 described in the above-described embodiment are merely examples, and are not limited to these. The store terminal 10 and the user terminal 20 may display screens with different configurations from the above-described screens, other screens, some screens may not be displayed, or the display order of the screens may be different.

[0094] In the above-described embodiment, the functions and configurations of each device included in the application system 1 are illustrative and not limiting. For example, the management server 30 may have at least some of the functions of the store terminal 10 or the user terminal 20, or the store terminal 10 or the user terminal 20 may have at least some of the functions of the management server 30. Furthermore, the application system 1, the store terminal 10, the user terminal 20, the management server 30, and the examination server 40 may be configured to include one or more of the above-described devices or configurations, or may be configured without including some of the devices or configurations. Alternatively, the management server 30 and the examination server 40 may be implemented as a single piece of hardware rather than as physically separate pieces of hardware. In this case, the information exchange between the management server 30 and the examination server 40 described above can be considered as an exchange between two functional modules within a single piece of hardware. Furthermore, even if the management server 30 and the examination server 40 are implemented as physically separate entities, the provision of various information to the store terminal 10 in step S21 of FIG. 6, step S32 of FIG. 7, and step S58 of FIG. 11 is performed by transmitting the information directly from the examination server 40 to the store terminal 10. Alternatively, the notifications may be sent from the examination server 40 to the store terminal 10 via the management server 30. In short, it does not matter whether the device that generates the notifications is the management server 30 or the examination server 40, as long as the store terminal 10 can receive the various notifications described above.

[0095] In the above-described embodiment, the operations of the application system 1, the store terminal 10, the user terminal 20, the management server 30, and the examination server 40 are not limited to the above-described examples. The order of the operation procedures of the application system 1, the store terminal 10, the user terminal 20, the management server 30, and the examination server 40 may be changed or some operation procedures may be omitted, as long as there is no contradiction.

[0096] Another aspect of the present invention may provide a method having operational steps performed in at least one of the application system 1, the store terminal 10, the user terminal 20, the management server 30, and the screening server 40. Furthermore, yet another aspect of the present invention may provide a program executed in the store terminal 10, the user terminal 20, the management server 30, and the screening server 40. This program may be provided by being stored in a computer-readable recording medium, or may be provided by downloading via the Internet, etc.

[0097] Furthermore, the subject matter provided by the present invention is not limited to auto loans, and any product or service can be the subject of a commercial transaction. Furthermore, there are no limitations on the definition or legal nature of "guarantor." In short, the present invention can be applied to any situation in which multiple people are screened when conducting a commercial transaction (such as a purchase) for a certain product or service. Furthermore, the legal or commercial nature of the difference between a provisional application and a final application is not an issue. In short, the present invention can be applied to any situation in which a two-stage (or more multi-stage) procedure, consisting of an initial application procedure and a subsequent application procedure, is required for substantially the same commercial transaction. In other words, in an information processing system comprising one or more computer devices according to the present invention, the following steps may be executed: specifying an input method for personal information, which is information about a person wishing to purchase a product or service, and guarantor information, which is information about the guarantor of the person wishing to purchase; a management server acquiring the personal information input at a store terminal managed by the provider of the product or service or at the terminal of the person wishing to purchase in accordance with the set input method; notifying the store terminal that the guarantor information is required; after the notification, the management server acquiring the guarantor information input at the store terminal or the terminal of the guarantor in accordance with the set input method; and correlating the information about the product or service, the personal information, and the guarantor information, and transmitting them to an examination server that performs credit examination of the person wishing to purchase and the guarantor. [Explanation of symbols]

[0098] 1: application system, 10: store terminal, 11: processor, 12: memory, 13: storage, 14: communication IF, 15: input device, 16: display device, 20: user terminal, 21: processor, 22: memory, 23: storage, 24: communication IF, 25: input device, 26: display device, 27: camera, 30: management server, 31: processor, 32: memory, 33: storage, 34: communication IF, 40: examination server, 111: setting means, 112: reception means, 113: transmission means, 114: issue means, 115: reception means, 116: update means, 117: acquisition means, 131: program, 132: status DB, 211: reception means, 212: transmission means, 231: program, 311: first acquisition means, 312: notification means, 313: second acquisition means, 314: transmission means, 331: program

Claims

1. a step of designating a method for inputting personal information, which is information about a person who wishes to purchase a product or service, and guarantor information, which is information about a guarantor of the person who wishes to purchase the product or service; a step in which a management server acquires the personal information inputted into a store terminal managed by a provider of the product or service or into a terminal of the would-be purchaser in accordance with the set input method; a step of receiving, by the store terminal, a notification that the guarantor information is required; after the notification, the management server acquires the guarantor information inputted at the store terminal or the guarantor's terminal in accordance with the set input method; a step of associating the information on the product or service with the customer information and the guarantor information and transmitting the information to an examination server that performs credit examination of the prospective purchaser and the guarantor; An information processing method comprising:

2. the input method includes, for each of the personal information and the guarantor information, any one of a method of inputting the information at the store terminal and a method of inputting the information or approving the input information at a user terminal; The information processing method according to claim 1 .

3. the input method is a method in which at least a part of the information is input or approved at a terminal of the intending purchaser and a terminal of the guarantor, respectively, for the principal information and the guarantor information; The method further includes a step in which the store terminal transmits a request for input of at least a part of the personal information or an approval request for the information input at the store terminal to the terminal of the intending purchaser, and a step in which the store terminal transmits a request for input of at least a part of the guarantor information or an approval request for the information input at the store terminal to the terminal of the guarantor. The information processing method according to claim 1 .

4. The store terminal receives from the examination server a result of the examination on the ability to pay for the product or service; a step in which the store terminal displays information indicating the progress of the examination of the personal information and the progress of the examination of the guarantor information; The information processing method of claim 1 , further comprising:

5. a step of receiving, by the store terminal, a notification of a provisional decision on the ability to pay for the product or service from the examination server; a step in which the store terminal stores information on the product or service, the customer information, and the guarantor information related to the notification of the provisional decision; a step of accepting, at the store terminal, after receiving the notification of the provisional decision, a correction of the information of the product or service related to the notification of the provisional decision; a step in which the management server acquires the corrected customer information or corrected guarantor information inputted at the store terminal, the terminal of the intending purchaser, or the terminal of the guarantor in accordance with the set input method; the management server associating the corrected product or service information, the corrected customer information, and the corrected guarantor information and transmitting them to the examination server; The information processing method according to claim 1 , further comprising:

6. At least one of a store terminal managed by a provider of a product or service, a terminal of a person who wishes to purchase the product or service, and a terminal of a guarantor of the person who wishes to purchase the product or service, and the store terminal and the management a server; the store terminal has a means for designating an input method for personal information, which is information about the intended purchaser, and guarantor information, which is information about the guarantor; The management server a means for acquiring the personal information inputted into the store terminal or the terminal of the intended purchaser in accordance with the set input method; means for notifying the store terminal that the guarantor information is required; after the notification, a means for acquiring the guarantor information inputted into the store terminal or the guarantor's terminal in accordance with the set input method; means for associating the information on the product or service with the customer information and the guarantor information and transmitting the information to an examination server that performs a credit examination on the prospective purchaser; the store terminal or the terminal of the intending purchaser has a means for transmitting the personal information inputted in accordance with the set input method to the management server; The store terminal or the guarantor terminal has a means for transmitting the guarantor information inputted in accordance with the set input method to the management server after the notification. Information processing system.

7. A means for specifying a method for inputting personal information, which is information about a person who wishes to purchase a product or service, and guarantor information, which is information about a guarantor for the person who wishes to purchase the product or service; means for receiving a notification from a management server that the guarantor information is required; Equipped with The personal information is input into the user's own terminal or the terminal of the would-be purchaser according to the set input method, When the management server acquires the personal information inputted on its own terminal or the terminal of the intending purchaser, it issues the notification, After the notification, the guarantor information is input into the user's own terminal or the guarantor's terminal according to the set input method. Store terminal.

8. a means for acquiring personal information of the person who wishes to purchase the product or service, which is information of the person who wishes to purchase the product or service, inputted into a store terminal managed by a provider of the product or service or into a terminal of the person who wishes to purchase the product or service, in accordance with an input method set in the store terminal; a means for notifying the store terminal that guarantor information, which is information on a guarantor of the purchaser, is required; After the notification, a means for acquiring the guarantor information inputted into the store terminal or the guarantor's terminal in accordance with the input method set in the store terminal; means for associating the information on the product or service with the customer information and the guarantor information and transmitting the information to an examination server that performs a credit examination on the prospective purchaser; A management server comprising:

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