Bank inheritance procedure support method

Abstract

To provide a bank inheritance procedure support method that can perform inheritance procedures at a bank via a video call.SOLUTION: Unless a procedure-performing person applies in a video call step, guidance on documents required for store procedures according to relationship with the decent and the presence / absence of a will and an inheritance division agreement is provided to the procedure-performing person, without performing a decedent's account information input step, an account freezing processing step, a certificate-of-family-register imaging step or a procedure person confirmation information imaging step. In the video call step, it is determined whether or not the procedure-performing person falls under a simplified procedure-permitted person according to the relationship and a total amount of all accounts in the name of the decedent, and when there is no will or no inheritance division agreement in a will / inheritance division agreement creation confirmation step, the agreement is confirmed in an heir consent confirmation step, no dispute is confirmed in a dispute confirmation step, agreement is confirmed in a self-responsibility agreement confirmation step and it is determined that the person falls under the simplified procedure-permitted person, the inheritance procedure is completed by the video call step.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention is a method for making a video call using a customer terminal operated by a person who is a procedure person. procedure This relates to a bank inheritance procedure support method for carrying out inheritance procedures at a bank. [Background technology]

[0002] Patent Document 1 discloses a banking system that manages accounts with a succession function based on a mortis causa gift contract and the succession procedures. Patent Documents 2 to 5 disclose methods for creating family trees to support inheritance procedure work. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2021-140321 A [Patent Document 2] JP 2015-132882 A [Patent Document 3] JP 2016-115022 A [Patent Document 4] JP 2017-111769 A [Patent Document 5] JP 2019-121145 A DISCLOSURE OF THEINVENTION [Problem to be solved by the invention]

[0004] In recent years, video calling functions using terminals have become widespread, and therefore, it is desirable to carry out bank procedures using terminals rather than at bank counters. In particular, inheritance procedures at banks can be complicated, with many documents that must be submitted depending on the situation, but they can sometimes be simplified if certain conditions are met.

[0005] The present invention relates to a video call procedureThe purpose of the present invention is to provide a bank inheritance procedure support method that enables inheritance procedures to be carried out at a bank by [Means for solving the problem]

[0006] The bank inheritance procedure support method of the present invention described in claim 1 is a method of making a video call using a customer terminal A operated by a person who is carrying out the procedure. procedure A bank inheritance procedure support method for carrying out inheritance procedures at a bank by using the customer terminal A, comprising: a video call step of carrying out the video call procedure using the customer terminal A; and a pre-information input step of carrying out the video call procedure using the customer terminal A. ,before In the pre-article information input step, The customer terminal A, to which the application has been downloaded in advance, a relationship input step for inputting the relationship between the person making the procedure and the decedent, a will and estate division agreement information input step for inputting whether or not there is a will and estate division agreement, a decedent's account information input step for inputting the decedent's account information, a decedent's death date input step for inputting the date of death of the decedent, a family register copy photographing step for photographing a family register copy that can confirm the relationship between the person making the procedure and the decedent, and a person making the procedure confirmation information photographing step for photographing information that can confirm the person making the procedure. execution death, A computer B connected to the customer terminal A via a communication line extracts other accounts in the name of the decedent based on the decedent's account information input in the decedent's account information input step, and executes an account freezing processing step to freeze the accounts in the name of the decedent; In the video calling step, The customer terminal A sends the following to the person in charge of the procedure: a will / estate division agreement creation confirmation step for confirming whether the will and the estate division agreement have been created; an heirs' consent confirmation step for confirming whether all heirs agree that the person in charge of the procedure will receive all of the repayments of the inheritance deposits of the deceased; a dispute confirmation step for confirming whether any disputes have arisen among the heirs regarding the handling of the inherited assets of the deceased; and a self-responsibility consent confirmation step for confirming whether the person in charge of the procedure agrees to respond responsibly to and resolve any requests for provisional payment of the inheritance deposits or repayment of the statutory inheritance share. and a family tree creation step of inputting family tree information for creating a family tree. The computer B executes: The data extracted in the account freezing process step The above The above-mentioned account in the name of the decedent The said customer terminal A transmits the said account in the name of the decedent to the said procedure person. If you have additional accounts, display the additional account information. Offer Provide, The computer B checks the account in the name of the decedent based on the additional account information, and further checks whether there are any other additional accounts. If there are any additional accounts, it performs an addition process for the additional accounts. In the advance information input step, The computer B isWhether or not the person in question is an applicable person in the video call step is determined based on the relationship to the deceased input in the relationship input step and the presence or absence of the will and the estate division agreement input in the will and estate division agreement information input step, and if the person in question is not an applicable person in the video call step, the deceased's account information input step, the account freezing processing step, the family register certified copy photographing step, and the procedure person confirmation information photographing step are not performed, and the procedure person is guided to the procedure person regarding documents required for the store procedure based on the relationship to the deceased and the presence or absence of the will and the estate division agreement input in the will and estate division agreement information input step, and in the video call step, The computer B is Whether or not the person in charge of the procedure corresponds to a simplified procedure is determined based on the relationship and the total amount of all of the accounts in the name of the decedent. If the will and the estate division agreement are not present in the will and estate division agreement creation confirmation step, consent is confirmed in the heirs' consent confirmation step, it is confirmed that no dispute has occurred in the dispute confirmation step, and consent is confirmed in the self-responsibility consent confirmation step, and it is determined that the person in charge of the procedure corresponds to a simplified procedure, the heirs' procedure is performed by the video call step. Continued It is characterized by completing the process. The present invention as set forth in claim 2 provides a bank inheritance procedure support method as set forth in claim 1, The computer B is If the relationship is a spouse and the total amount is equal to or less than a set amount, the person making the procedure is determined to be the person making the simplified procedure, and the inheritance is processed by the video call step without performing the family tree creation step. Continued It is characterized by completing the process. The present invention as set forth in claim 3 provides a bank inheritance procedure support method as set forth in claim 1, The computer B isWhen the relationship is spouse, a first set amount is set, and when the relationship is child, a second set amount is set, and the first set amount is set to an amount higher than the second set amount, and when the relationship is spouse, if the combined amount is equal to or less than the first set amount, the procedure is determined to be the simplified procedure person, and when the relationship is child, if the combined amount is equal to or less than the second set amount, the procedure is determined to be the simplified procedure person. The present invention as set forth in claim 4 provides a bank inheritance procedure support method as set forth in claim 1, The computer B is The method is characterized in that the set amount is varied depending on the relationship to the person, and if the total amount is equal to or less than the set amount, the person filing the procedure is determined to be the person filing the simplified procedure. The present invention as set forth in claim 5 provides the bank inheritance procedure support method as set forth in claim 1, wherein the family tree creation step comprises: The customer terminal A provides the procedure to the person in charge of the procedure. The system is characterized in that the existence or non-existence of legal heirs is input in descending order of rank, and for those legal heirs who exist, the choice is made between alive, died before the decedent, and died after the decedent, and if the person making the procedure is a spouse or child, there is no need to input information about father, mother, grandparents, siblings, and nephews and nieces, which are input in the child column, and when died before the decedent is selected, a form for inputting substitute heirs is displayed. The present invention as set forth in claim 6 provides a bank inheritance procedure support method as set forth in claim 5, The customer terminal A provides the procedure to the person in charge of the procedure. If the spouse, all of the children, the father, the mother, and all of the grandparents are selected to have died before the decedent, a form for entering the siblings of display do It is characterized by: The present invention as set forth in claim 7 provides a bank inheritance procedure support method as set forth in claim 5 or claim 6, The customer terminal A provides the procedure to the person in charge of the procedure. In the family tree creation step, some input is performed, and the input stage The above It is characterized by the ability to display a family tree. Effect of the Invention

[0007] According to the present invention, in the advance information input step, it is determined whether the person making the procedure is applicable in the video call step, so that the procedure can be completed by video call without going through the store procedure. procedure The burden on the person making the procedure can be reduced by increasing the number of inheritance procedures via video call, and in the video call step, it is determined whether the person making the procedure is a person making the simplified procedure, and if it is determined that the person making the procedure is a person making the simplified procedure, the inheritance procedures can be completed via the video call step, further reducing the burden on the person making the procedure. [Brief description of the drawings]

[0008] [Figure 1] A flowchart showing the advance information input step in the bank inheritance procedure support method according to one embodiment of the present invention. [Diagram 2] A flow chart showing the video call steps in the bank's inheritance procedure support method [Diagram 3] Explanation screen prompting the provision of the decedent's account information [Figure 4] Screen for providing the decedent's account information from the decedent's cash card [Diagram 5] Screen for entering the date of death of the deceased [Figure 6] An explanation screen encouraging users to take a photo of their family register [Figure 7] Screen for taking a photo of a family register [Figure 8] An explanation screen prompting the user to scan their identification documents [Figure 9] Screen showing procedure for reading the procedure verification document [Figure 10] An explanation screen prompting you to take a photo of the document verifying who is carrying out the procedure [Figure 11] Screen showing how to take a photo of the document verifying the identity of the person making the procedure [Figure 12] An explanation screen encouraging users to take photos using facial recognition [Figure 13] Screen to capture the face of the person making the procedure [Figure 14] A screen showing that the procedure subject's information has been registered as a person eligible for video conference procedures [Figure 15] Screen for inputting desired date and time for video call [Figure 16]Screen showing instructions for starting a video call [Figure 17] Video call start screen [Figure 18] PIN entry screen [Figure 19] Procedure information confirmation screen [Figure 20] Confirmation screen for information on the deceased [Figure 21] Decedent’s death date confirmation screen [Figure 22] Will and inheritance division agreement creation confirmation screen [Figure 23] Inheritance consent confirmation screen [Figure 24] Dispute confirmation screen [Diagram 25] Self-responsibility consent confirmation screen [Figure 26] Screen showing the account in the name of the deceased [Figure 27] Screen showing steps for creating a family tree [Figure 28] Screen showing steps to create a family tree [Figure 29] Screen showing steps for creating a family tree [Diagram 30] Family tree screen [Diagram 31] Family tree screen [Diagram 32] Family tree screen [Diagram 33] Family tree screen [Diagram 34] Family tree screen [Diagram 35] Completion screen of video call procedure [Diagram 36] Screen when inheritance procedures are completed as a simplified procedure [Figure 37] Screen when additional documents are required [Figure 38] Screen when in-store procedures are required DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] The bank inheritance procedure support method according to the first embodiment of the present invention includes a video call step of performing a video call procedure using a customer terminal, and a pre-information input step performed before performing the video call procedure using the customer terminal. ,case In the previous information input step, The customer terminal on which the application has been downloaded in advance provides the procedure to the person in charge. a relationship input step for inputting the relationship between the person making the procedure and the decedent, a will and estate division agreement information input step for inputting whether or not there is a will and estate division agreement, a decedent's account information input step for inputting the decedent's account information, a decedent's death date input step for inputting the date of death of the decedent, a family register copy photographing step for photographing a family register copy that can confirm the relationship between the person making the procedure and the decedent, and a person making the procedure confirmation information photographing step for photographing information that can confirm the person making the procedure. execution death, The computer connected to the customer terminal via a communication line extracts other accounts in the name of the decedent based on the decedent's account information input in the decedent's account information input step, and executes an account freezing processing step to freeze the accounts in the name of the decedent; In the video call step, The client terminal provides the procedure to the person in charge of the procedure. the Will and Inheritance Division Agreement Creation Confirmation step, which checks whether a will and an estate division agreement have been created; the Heirs' Consent Confirmation step, which checks whether all heirs agree that the person carrying out the procedure will receive all of the inheritance deposits of the deceased; the Dispute Confirmation step, which checks whether there are any disputes among the heirs regarding the handling of the inherited assets of the deceased; and the Self-Responsibility Consent Confirmation step, which checks whether the heirs agree to respond responsibly and resolve any requests for provisional payments of inheritance deposits or refunds of statutory inheritance shares. A family tree creation step of inputting family tree information for creating a family tree, The accounts in the name of the deceased extracted in the account freezing processing step The information is sent to the customer's terminal, and the customer's terminal notifies the person in charge of the account in the name of the deceased. If you have additional accounts, display the additional account information. Offer Offer The computer checks the account in the name of the decedent based on the additional account information, and also checks whether there are any other additional accounts. If there are any additional accounts, it processes the additional accounts. In the advance information input step, The computer The relationship entered in the relationship input step BeenWhether or not the person is eligible for the video call step is determined based on the person's relationship to the heir and whether or not there is a will and an estate division agreement entered in the will and estate division agreement information input step. If the person is not eligible for the video call step, the deceased's account information input step, the account freezing processing step, the family register certified copy photographing step, and the procedure person confirmation information photographing step are not performed, and the procedure person is informed of the documents required for the in-store procedure based on the person's relationship to the deceased and whether or not there is a will and estate division agreement entered in the will and estate division agreement information input step. In the video call step, The computer Based on the relationship to the deceased and the total amount of all accounts in the name of the deceased, it is determined whether the person who is making the procedure qualifies as a simplified procedure applicant. If there is no will or inheritance division agreement in the will and inheritance division agreement creation confirmation step, consent is confirmed in the heir consent confirmation step, no disputes have occurred in the dispute confirmation step, and consent is confirmed in the self-responsibility consent confirmation step, and it is determined that the person who is making the procedure qualifies as a simplified procedure applicant, the heir procedure is completed by video call step. Continued It is something that brings about completion. According to this embodiment, in the advance information input step, by determining whether the person making the procedure is applicable in the video call step, the procedure can be completed by video call without going through the store procedure. procedure The burden on the person making the procedure can be reduced by increasing the number of inheritance procedures via video call, and in the video call step, it is determined whether the person making the procedure is a person making the simplified procedure, and if it is determined that the person making the procedure is a person making the simplified procedure, the inheritance procedures can be completed via the video call step, further reducing the burden on the person making the procedure.

[0010] The second embodiment of the present invention is a bank inheritance procedure support method according to the first embodiment, The computer If the relationship is a spouse and the total amount is less than the set amount, the person making the claim is determined to be a simplified claimant, and the inheritance is transferred by video call without creating a family tree. Continued It is something that brings about completion. According to this embodiment, if the person is a spouse and the combined total amount is less than a set amount, the person performing the simplified procedure can complete the inheritance procedure through a video call step, thereby reducing the burden on the person performing the procedure.

[0011] The third embodiment of the present invention is a bank inheritance procedure support method according to the first embodiment, The computer If the relationship is spouse, the first set amount is set, and if the relationship is child, the second set amount is set. The first set amount is set higher than the second set amount. If the relationship is spouse, and the combined amount is equal to or less than the first set amount, the person prosecuting the procedure is determined to be a simplified procedure applicant. If the relationship is child, and the combined amount is equal to or less than the second set amount, the person prosecuting the procedure is determined to be a simplified procedure applicant. According to this embodiment, the criteria for determining whether a person can carry out simplified procedures can be changed depending on the relationship to the person, thereby expanding the scope of persons who can carry out simplified procedures.

[0012] The fourth embodiment of the present invention relates to a bank inheritance procedure support method according to the first embodiment, The computer The set amount varies depending on the relationship to the parties, and if the total amount is below the set amount, the person filing the proceeding is determined to be a simplified proceeding. According to this embodiment, the criteria for determining whether a person can carry out simplified procedures can be changed depending on the relationship to the person, thereby expanding the scope of persons who can carry out simplified procedures.

[0013] A fifth embodiment of the present invention is a bank inheritance procedure support method according to the first embodiment, in which in the family tree creation step, The client terminal notifies the procedure person, The existence or non-existence of legal heirs is entered in descending order of rank, and for those legal heirs who exist, the user is asked to select from alive, died before the deceased, or died after the deceased. If the person making the procedure is a spouse or child, there is no need to enter information about father, mother, grandparents, siblings, and nephews and nieces; these are entered in the children's column. If died before the deceased is selected, a form for entering substitute heirs is displayed. According to this embodiment, the burden on the person carrying out the procedure can be reduced, and sufficient information can be obtained to identify the documents required for the inheritance procedure at the bank.

[0014] The sixth embodiment of the present invention is a bank inheritance procedure support method according to the fifth embodiment, The client terminal notifies the procedure person, If death before the decedent is selected for spouse, all children, father, mother, and all grandparents, a form for entering siblings of display do It is something. According to this embodiment, unnecessary input is not required, and the burden on the person making the procedure can be reduced.

[0015] A seventh embodiment of the present invention is a bank inheritance procedure support method according to the fifth or sixth embodiment, wherein in the family tree creation step, The client terminal notifies the person in charge of the procedure, By inputting some information, a family tree can be displayed at the input stage. According to this embodiment, the input work can be supported by allowing confirmation on the family tree even during input. EXAMPLES

[0016] A method for supporting bank inheritance procedures according to one embodiment of the present invention will now be described. Figure 1 is a flowchart showing the advance information input step in the bank inheritance procedure support method according to this embodiment, Figure 2 is a flowchart showing the video call step in the same bank inheritance procedure support method, and Figures 3 to 34 show screen images for each procedure. The customer terminal A operated by the person performing the procedure and computer B are connected via a communication line such as the Internet. The person who carries out the procedure downloads in advance to the customer terminal A the application software for carrying out the bank inheritance procedure support method according to this embodiment.

[0017] 1 and 3 to 15, a pre-information input step to be performed before carrying out a video call procedure using the customer terminal A will be described.

[0018] The person in charge of the procedure operates customer terminal A, starts up the application software (S1), and selects inheritance procedures from the procedure menu (S2). The advance information input step includes a relationship input step (S3) for inputting the relationship between the person making the procedure and the deceased, and a will / estate division agreement information input step (S4) for inputting the existence of a will and an estate division agreement. Computer B determines whether or not the person making the procedure is applicable in the video call step based on the relationship between the person making the procedure and the deceased input in the relationship input step (S3) and the presence or absence of a will and an estate division agreement input in the will and estate division agreement information input step (S4) (S5). In S5, the applicable person in the video call step is, for example, a condition that the relationship between the person making the procedure and the decedent is a legal heir. Among legal heirs, the applicable person may be limited to spouses and children. Or, the applicable person may include a person who is a delegate of a legal heir. In S5, if there is at least one of a will and an estate division agreement, the person carrying out the procedure is excluded from the scope of the procedure. If it is determined in S5 that the person is not applicable in the video call step, the video call procedure The customer selects a message explaining that the procedure must be carried out in store instead of by mail and including information on documents required for the inheritance procedure (S6) and displays it on customer terminal A (S7).

[0019] For example, if there is a will and an executor has been designated, the notice will state that a notarized will or a holographic will, the deceased's bankbook and certificate, a request for inheritance procedures signed and sealed by the executor, the executor's seal certificate, and a certified copy of the family register where the deceased has died and been removed from the family register are required; if no executor has been designated, the notice will state that a notarized will or a holographic will, the deceased's bankbook and certificate, a request for inheritance procedures signed and sealed by the legatee, the legatee's seal certificate, and a certified copy of the family register where the deceased has died and been removed from the family register are required. In addition, if an estate division agreement exists and the person who will inherit the deposit (specific heir) can be identified from the estate division agreement, the notice will state that the estate division agreement, the deceased's bankbook and certificate, a request for inheritance procedures signed and sealed by the specific heir, the specific heir's seal certificate, certified copies of the deceased's family register from the time of birth to the time of death, and the current certified copies of the legal heirs' family register are required.If the person who will inherit the deposit (specific heir) cannot be identified from the estate division agreement, the notice will state that the estate division agreement, the deceased's bankbook and certificate, a request for inheritance procedures signed and sealed by all heirs, the seal certificates of all heirs, certified copies of the deceased's family register from the time of birth to the time of death, and the current certified copies of the legal heirs' family register are required. In addition, if both a will and an estate division agreement exist, the notice will inform the applicant that he or she will need the notarized will or handwritten will, the estate division agreement, the deceased's bankbooks and certificates, and a copy of the deceased's family register from the time of his or her birth to the time of his or her death.

[0020] If it is determined in S5 that the person is not eligible at the video call step, the person making the procedure must complete the procedure at a store.

[0021] When computer B determines in S5 that the person is an applicant for the video call step, it requests the person to provide advance information necessary for the video call procedure (S8). The advance information request in S8 is made by, for example, capturing an image of the decedent's cash card, certificate, or bankbook. Figure 3 is an explanatory screen that prompts you to provide the deceased's account information, Figure 4 is a screen for providing the deceased's account information from the deceased's cash card, and Figure 5 is a screen for entering the deceased's date of death. As shown in FIG. 4, in the decedent's account information input step (S9), the decedent's account information is input by capturing an image of the cash card. As shown in Fig. 5, in the step for inputting the date of death of the decedent (S10), the date of death of the decedent is input by operating the numeric keypad. If a photograph of the certified copy of the family register is taken in the step for photographing the certified copy of the family register (S15), the date of death of the decedent obtained by photographing the certified copy of the family register may be used as the step for inputting the date of death of the decedent (S10).

[0022] When the decedent's account information is input in S9 and the decedent's date of death is input in S10, Computer B extracts other accounts in the decedent's name based on the input decedent's account information (S11) and freezes the accounts in the decedent's name (account freezing processing step (S12)). Extraction of other accounts in the decedent's name is performed including dormant accounts (immobile accounts). In the simplified procedure provisional determination step (S13), it is determined whether the person making the procedure is a simplified procedure person based on the relationship to the deceased and the total amount of all accounts in the name of the deceased.

[0023] For example, if the relationship is a spouse, the person filing the proceeding will be determined to be a simplified procedure applicant if the combined total of all accounts in the name of the deceased is 5 million yen or less, and if the relationship is a child, the person filing the proceeding will be determined to be a simplified procedure applicant if the combined total of all accounts in the name of the deceased is 3 million yen or less. In addition, computer B obtains information on whether or not the deceased has had any transactions such as investment trusts, public bonds, safe deposit boxes, or loans based on the entered account information of the deceased, and if such transactions have occurred, excludes the deceased from the list of those who have undergone the simplified procedure. The result of the determination in the simplified procedure provisional determination step (S13) is to register the person as a candidate for simplified procedure in the database (S14).

[0024] Figure 6 shows an explanatory screen encouraging users to take a photograph of their family register, and Figure 7 shows the screen for taking a photograph of the family register. As shown in Figures 6 and 7, in the step of photographing a copy of the family register (S15), a photograph of a copy of the family register is taken, which allows the person making the procedure to confirm the relationship between the person making the procedure and the deceased.

[0025] Figure 8 is an explanatory screen encouraging the user to read the procedure identification document, Figure 9 is a screen showing the procedure for reading the procedure identification document, Figure 10 is an explanatory screen encouraging the user to photograph the procedure identification document, and Figure 11 is a screen showing the procedure for photographing the procedure identification document. As shown in FIG. 8 to FIG. 11, in the procedure person identification information photographing step (S16), the procedure person identification document is read and photographed. Figures 9 to 11 show the case where a driver's license is used as the procedure person identification document, but as shown in Figure 8, a My Number card can also be used.

[0026] Figure 12 shows an explanatory screen encouraging a photograph to be taken using facial recognition, and Figure 13 shows the screen for photographing the face of the person making the procedure. As shown in FIGS. 12 and 13, in a procedure person face photographing step (S17), the face of the procedure person is photographed, and computer B performs face authentication of the photographed procedure person (S18). The person making the procedure is identified through the procedure-performer identification information photographing step (S16), or the procedure-performer's face is authenticated (S18), and the procedure-performer's account can be registered as a deposit account in accordance with the procedure-performer information (S19).

[0027] FIG. 14 is a screen showing that the procedure person information has been registered as an applicant for the video call procedure, and shows that the procedure person information has been registered in S19. As shown in FIG. 14, the photographing of the family register copy in S15 can be performed a predetermined period prior to the video call procedure.

[0028] FIG. 15 shows an input screen for the desired date and time of a video call. By inputting the desired date and time of a video call (S20), procedure The reservation acceptance is completed (S21).

[0029] According to this embodiment, if the person is not an applicable person at the video call step, the step of inputting the deceased's account information (S9), the step of freezing the account (S12), the step of photographing the family register copy (S15), and the step of photographing the person verifying the procedure (S16) are not carried out, and the person making the procedure is guided to the documents required for the in-store procedure based on the person's relationship to the deceased and the presence or absence of a will and an estate division agreement entered at the step of inputting the will and estate division agreement information (S4).

[0030] 2 and 16 to 38, the video call step of performing a video call procedure using the customer terminal A will be described.

[0031] FIG. 16 shows a screen showing a video call start notification. In the video call start notification step (S31), the customer terminal A is notified that online procedures are now possible.

[0032] FIG. 17 shows the video call start screen. By inputting the video call start input, a video call can be started. procedure is started (S32).

[0033] FIG. 18 shows the PIN entry screen. When the PIN is entered (S33), computer B authenticates the person making the procedure (S34).

[0034] FIG. 19 shows the procedure person information confirmation screen. Computer B displays the procedure person's name, date of birth, address, contact information, and relationship to the deceased (S35), and the procedure person confirms the information (S36).

[0035] FIG. 20 shows the screen for confirming information on the deceased. Computer B displays the name and date of birth of the deceased (S37), and the person making the procedure confirms the information (S38).

[0036] FIG. 21 shows the screen for confirming the date of death of the deceased. Computer B displays the date of death of the deceased (S39), and the person making the procedure confirms it (S40).

[0037] FIG. 22 shows a screen for confirming the creation of a will and an estate division agreement. In the step for confirming the creation of a will and an estate division agreement (S41), it is confirmed whether or not a will and an estate division agreement have been created.

[0038] FIG. 23 shows the screen for confirming the consent of the heirs. In the step for confirming the consent of the heirs (S42), it is confirmed whether all the heirs agree to the person making the procedure receiving the refund of all the inherited deposits of the deceased.

[0039] FIG. 24 shows a dispute confirmation screen. In the dispute confirmation step (S43), it is confirmed whether any disputes have arisen among the heirs regarding the handling of the inherited assets of the deceased.

[0040] Figure 25 shows the screen for confirming consent to personal responsibility. In the step for confirming consent to personal responsibility (S44), the person in charge of the procedure confirms whether or not the person agrees to take responsibility for dealing with and resolving any requests for provisional payment of inheritance deposits or refund of legal inheritance shares.

[0041] If any of the following conditions is met in the step to confirm the creation of a will and an estate division agreement (S41), if a will and an estate division agreement have been created (No in S41), if all of the heirs have not given their consent (No in S42) in the step to confirm the consent of the heirs (S42), if a dispute has arisen in the step to confirm the dispute (S43) (No in S43), or if the heirs have not given their consent (No in S44) in the step to confirm the consent to personal responsibility (S44), a process is performed to exclude the person from the simplification target (S45).

[0042] If all of the following conditions are met in the step to confirm the creation of a will and estate division agreement (S41), where no will and estate division agreement has been created (Yes in S41), in the step to confirm the consent of the heirs (S42), where all the heirs agree (Yes in S42), in the step to confirm the dispute (S43), where no dispute has arisen (Yes in S43), and in the step to confirm the consent to personal responsibility (S44), where the heirs agree (Yes in S44), the candidate for simplification is maintained.

[0043] FIG. 26 is a screen displaying the accounts in the name of the decedent, and displays all of the accounts in the name of the decedent that were extracted in the account freezing processing step (S12) (S46). If there are additional accounts (Yes in S47), the relevant cash cards and passbooks are photographed (S48). Computer B checks the accounts of the decedent based on the additional account information captured in S48, and also checks whether there are any other additional accounts (S49). For example, if the additional account information is the decedent's maiden name, it checks whether there are any other additional accounts based on the maiden name. Note that the check for the existence of additional accounts also includes dormant accounts (immobile accounts). If there is an additional account, the process of adding the account is carried out (S50). S46 to S50 are the additional account processing steps. In the simplified procedure person determination step (S51), it is determined whether the person making the procedure is a simplified procedure person based on the relationship to the deceased and the total amount of all accounts in the name of the deceased. For example, if the relationship is a spouse, the person filing the proceeding will be determined to be a simplified procedure applicant if the combined total of all accounts in the name of the deceased is 5 million yen or less, and if the relationship is a child, the person filing the proceeding will be determined to be a simplified procedure applicant if the combined total of all accounts in the name of the deceased is 3 million yen or less. In addition, Computer B will be excluded from the simplified procedure if it is a procedure party that has been subjected to processing to be excluded from the simplification subject under S45, or if it has transactions such as investment trusts, public bonds, safe deposit boxes, and loans. The result of the determination in the simplified procedure applicant determination step (S51) is to register the applicant as a simplified procedure applicant in the database.

[0044] In the family tree creation step (S52), the user is prompted to input family tree information for creating the family tree (S53), and the family tree is created. In addition, simplified procedure applicants determined by S14 or S51, or those who meet some of the conditions among simplified procedure applicants, may determine that a family tree is not necessary (Yes in S58) and may omit the family tree creation step (S52). A family tree is necessary to determine the documents required for subsequent procedures. A simplified procedure applicant does not need a family tree because the inheritance procedure is completed by the video call step and there are no documents that need to be submitted after the video call step. In addition, since the possibility of disputes is extremely low, simplified procedure applicants who can omit the family tree creation step (S52) may be limited to spouses whose total amount in all accounts in the name of the deceased is 5 million yen or less.

[0045] Figures 27 to 29 are screens showing the steps for creating a family tree.

[0046] As shown in Figure 27, the presence or absence of legal heirs is to be entered in the order of spouse, child, father, and mother, in descending order of legal heir rank. If the person making the procedure is a spouse or child, there is no need to enter information about father, mother, grandparents, siblings, and nephews and nieces.

[0047] As shown in FIG. 28, for legal heirs who exist, the user is asked to select from among alive, died before the decedent, and died after the decedent. Also, as shown in FIG. 28, when an entry is made in the children's column and death before the decedent is selected, a form for entering substitute heirs (grandchild column) is displayed.

[0048] Also, as shown in FIG. 29, if death before the deceased is selected for the spouse, all children, father, mother, and all grandparents, a form for entering siblings is displayed.

[0049] According to this embodiment, the burden on the person who carries out the procedure can be reduced, and sufficient information can be obtained to identify documents required for the inheritance procedure at the bank. In addition, the form for inputting siblings is displayed when the death of the spouse, all children, father, mother, and all grandparents before the deceased is selected, so that unnecessary input is not performed, and the burden on the person who carries out the procedure can be reduced.

[0050] Figures 30 to 34 are screens showing family trees.

[0051] The family trees shown in Figures 30 to 34 can be displayed at the input stage by performing some input in the family tree creation step (S52). Therefore, the family tree can be used to check data even during input, thereby supporting the input work. As shown in Figures 30 to 34, legal heirs are displayed as being alive or deceased, and are also displayed as being not required to be entered or not entered.

[0052] After the family tree creation step (S52), computer B displays the deposit account information for the person making the request (S54), and the person makes the request confirms the information (S55). Figure 35 is a video call procedure Figure 35 shows the screen displayed when the procedure is completed by the person who performed the simplified procedure, Figure 36 shows the screen displayed when the inheritance procedure is completed as a person who performed the simplified procedure, Figure 37 shows the screen displayed when additional documents need to be submitted, and Figure 38 shows the screen displayed when in-store procedures are required. Computer B displays the application details to the person making the procedure (S56), and the person confirms the details (S57), and the video call procedure is completed.

[0053] According to this embodiment, if there is no will or estate division agreement in the will and estate division agreement creation confirmation step (S41), consent is confirmed in the heir consent confirmation step (S42), it is confirmed that no dispute has occurred in the dispute confirmation step (S43), consent is confirmed in the personal responsibility consent confirmation step (S44), and it is determined that the person carrying out the procedure is a simplified procedure person, then the inheritance procedure can be completed by a video call step. In the advance information input step, by determining whether the person is eligible for the video call step, the payment can be made by video call without going through the in-store procedure. procedureThe burden on the person making the procedure can be reduced by increasing the number of inheritance procedures via video call, and in the video call step, it is determined whether the person making the procedure is a person making the simplified procedure, and if it is determined that the person making the procedure is a person making the simplified procedure, the inheritance procedures can be completed via the video call step, further reducing the burden on the person making the procedure. In addition, if the relationship is spousal and the combined amount is below a set amount, the person making the simplified procedure is determined to be a person making the inheritance procedure, and the person making the procedure can be completed through a video call step without having to go through the family tree creation step (S52), thereby reducing the burden on the person making the procedure. In addition, if the relationship is spouse, the first set amount will be used, and if the relationship is child, the second set amount will be used, with the first set amount being higher than the second set amount, and if the relationship is spouse, if the combined amount is equal to or less than the first set amount, the person will be determined to have filed the simplified procedure, and if the relationship is child, if the combined amount is equal to or less than the second set amount, the person will be determined to have filed the simplified procedure, thereby expanding the scope of people who can file simplified procedures. In this way, the set amount is varied depending on the relationship to the debtor, and if the combined amount is equal to or less than the set amount, the debtor is determined to be a person who has filed the simplified procedure. By changing the criteria for determining whether or not a person has filed the simplified procedure depending on the relationship to the debtor, the scope of people who can file the simplified procedure can be expanded. [Industrial Applicability]

[0054] According to the present invention, a video call can be conducted using a customer terminal operated by a procedure person. procedure This allows inheritance procedures to be carried out at the bank. [Explanation of symbols]

[0055] A Customer terminal B. Computer

Claims

1. A bank inheritance procedure support method for carrying out inheritance procedures at a bank through a video call procedure using a customer terminal operated by a person carrying out the procedure, comprising: a video calling step of performing the video calling procedure using the customer terminal; a pre-information input step performed before the video call procedure is performed using the customer terminal; having In the advance information input step, The customer terminal to which the application has been downloaded in advance provides the procedure to the person in charge of the procedure. A relationship input step for inputting the relationship between the person making the procedure and the decedent; a will / estate division agreement information input step for inputting whether or not there is a will and / or an estate division agreement; a decedent's account information input step for inputting the decedent's account information; A step of inputting the date of death of the decedent, A step of photographing a family register that can confirm the relationship between the person who is making the procedure and the decedent; a procedure person identification information photographing step for photographing information that can identify the procedure person; Run A computer connected to the customer terminal via a communication line, An account freezing processing step for extracting other accounts in the name of the decedent based on the decedent's account information input in the decedent's account information input step, and freezing the accounts in the name of the decedent. Run In the video calling step, The customer terminal provides the procedure to the person in charge of the procedure. A will and inheritance division agreement creation confirmation step for confirming whether the will and the inheritance division agreement have been created; an heirs' consent confirmation step for confirming whether all heirs agree that the procedure person will receive the refund of all the inheritance deposits of the decedent; a dispute confirmation step for confirming whether or not a dispute has arisen between the heirs regarding the handling of the inherited assets of the decedent; a self-responsibility consent confirmation step for confirming whether the person in charge of the procedure agrees to deal with and resolve the case where a provisional payment of the inheritance deposit or a refund of the legal inheritance portion is requested; A family tree creation step for inputting family tree information to create a family tree; Run The computer transmits the account in the name of the decedent extracted in the account freezing processing step to the customer terminal, The customer terminal displays the accounts in the name of the decedent to the person in charge of the procedure, and has the person in charge provide additional account information if there are additional accounts; The computer includes: Based on the additional account information, the account in the name of the decedent is confirmed, and further, the existence of other additional accounts is confirmed. If there are additional accounts, an additional process for the additional accounts is carried out. In the advance information input step, the computer Whether or not the person in question is an applicable person in the video call step is determined based on the relationship to the decedent inputted in the relationship input step and the presence or absence of the will and the estate division agreement inputted in the will and estate division agreement information input step, and if the person in question is not an applicable person in the video call step, the decedent's account information input step, the account freezing processing step, the family register certified copy photographing step, and the procedure person confirmation information photographing step are not performed, and the procedure person is informed of documents required for the store procedure based on the relationship to the decedent and the presence or absence of the will and the estate division agreement inputted in the will and estate division agreement information input step, In the video calling step, the computer Based on the relationship to the deceased and the total amount of all of the accounts in the name of the deceased, determine whether the person in question is a simplified person or not; When the will and the estate division agreement are not present in the will / estate division agreement creation confirmation step, the consent is confirmed in the heir consent confirmation step, the absence of a dispute is confirmed in the dispute confirmation step, the consent is confirmed in the self-responsibility consent confirmation step, and it is determined that the person is a person who has filed a simplified procedure, the inheritance procedure is completed by the video call step. A bank inheritance procedure support method.

2. The computer, If the relationship is a spouse and the total amount is equal to or less than a set amount, the person making the procedure is determined to be the person making the simplified procedure, and the inheritance procedure is completed by the video call step without performing the family tree creation step.

2. The bank inheritance procedure support method according to claim 1 .

3. The computer, If the relationship is a spouse, the first set amount is set, and if the relationship is a child, the second set amount is set. The first set amount is set to an amount higher than the second set amount, If the relationship is the spouse, and if the total amount is equal to or less than the first set amount, the person filing the claim is determined to be the person filing the claim as a simplified person; If the relationship is the child, and if the total amount is equal to or less than the second set amount, the person filing the procedure is determined to be the person filing the simplified procedure.

2. The bank inheritance procedure support method according to claim 1 .

4. The computer, The set amount is varied depending on the relationship, and if the total amount is equal to or less than the set amount, the person who filed the proceeding is determined to be a person who filed the simplified proceeding.

2. The bank inheritance procedure support method according to claim 1 .

5. In the family tree creation step, the customer terminal instructs the person making the procedure to: Enter the legal heirs in descending order of their rank, and whether they exist or not. The legal heir who exists is asked to choose between alive, dying before the decedent, and dying after the decedent; If the person making the procedure is a spouse or a child, there is no need to enter information about the father, mother, grandparents, siblings, nephews, or nieces. When the child field is filled in and the child who died before the decedent is selected, a form for entering the substitute heir is displayed.

2. The bank inheritance procedure support method according to claim 1 .

6. The customer terminal, for the person in charge of the procedure, If death before the decedent is selected for the spouse, all of the children, the father, the mother, and all of the grandparents, a form for inputting the siblings is displayed. The bank inheritance procedure support method according to claim 5.

7. In the family tree creation step, the customer terminal instructs the person making the procedure to: By performing partial input, the family tree at the input stage can be displayed.

7. A bank inheritance procedure support method as claimed in claim 5 or 6.

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