Loan examination support device, loan examination support method, and loan examination support program

Abstract

To provide a system that can easily determine whether or not each examination is necessary on the basis for a category of each application, and as a result, can easily change examination contents according to launch of a new product or a change in a scope of business, and contribute to optimizing examination processing.SOLUTION: A loan examination support device includes a control unit, where the control unit includes: item reception means for receiving item information for each application including category information; and examination implementation determination means that determines, on the basis of an examination necessity master where classifications of examination necessity according to the category information for each examination type are registered in advance, whether or not an examination is necessary for each examination type for each item information received by the item reception means, and associates examination necessary for each examination type with item information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a loan examination support device, a loan examination support method, and a loan examination support program. [Background technology]

[0002] When reviewing a loan, there is an investigation process to gather information that will serve as the basis for the review, but the investigation content may differ depending on the category of application, such as the product type, whether it is a new loan or ongoing credit, etc. In addition, the investigation content itself is often somewhat fixed for each category of application, such as a personal credit inquiry for a new loan, or a collateral evaluation for a mortgage loan on secured credit, and the need for each investigation is often determined based on the category of application.

[0003] However, up until now, there has been no known method for systematically organizing the necessity of each investigation for each category of application content (Patent Documents 1 and 2). As a result, when a new product is introduced or the investigation content is changed, the program needs to be modified, and the lead time required can delay the launch of new financial products, resulting in lost opportunities. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-7703 [Patent Document 2] Japanese Patent Application Laid-Open No. 2004-164155 Summary of the Invention [Problem to be solved by the invention]

[0005] For this reason, there was a need to create a system that could easily determine whether or not each investigation was necessary based on the category of application content.

[0006] Therefore, the object of the present invention is to provide a system that can easily determine whether or not each investigation is necessary based on the category of each application, thereby making it possible to easily change the investigation content in response to the introduction of new products or changes in the scope of business, and contributing to the optimization of the review. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the objectives, the loan screening support device of the present invention is a loan screening support device equipped with a control unit, characterized in that the control unit comprises: a case reception means for receiving case information for each application including category information of the application content; and an investigation implementation decision means for determining whether or not an investigation is necessary for each case information received by the case reception means based on an investigation necessity master in which classifications of whether or not an investigation is necessary according to category information for each investigation type are pre-registered, and linking the investigation necessity for each investigation type to the case information.

[0008] The loan examination support device according to the present invention is characterized in that the category information includes a classification of new loan or ongoing credit, a product classification, and an application amount.

[0009] In addition, the loan screening support device of the present invention is characterized in that the control unit further comprises an investigation result receiving means that receives investigation results for each case information for each investigation type determined to be necessary by the investigation implementation decision means, and links the investigation results for each investigation type to the case information.

[0010] In addition, the loan screening support device of the present invention is characterized in that the control unit further comprises a priority process determination means for extracting, for each case information, the transition destination process with the highest priority from the transition destination processes for each investigation type that correspond to the investigation result linked by the investigation implementation determination means and the investigation result link by the investigation result receiving means, based on a transition destination process master in which the necessity of investigation for each investigation type and the classification of the transition destination process according to the investigation result are pre-registered, and linking the transition destination process with the highest priority to the case information.

[0011] In addition, the loan examination support method of the present invention is a loan examination support method executed in a loan examination support device equipped with a control unit, and is characterized by including a case reception step executed by the control unit, in which case information for each application including category information of the application content is received, and an investigation implementation decision step, in which, based on an investigation necessity master in which classifications of investigation necessity according to category information for each investigation type are pre-registered, the necessity of investigation for each case information received in the case reception step is determined, and the necessity of investigation for each investigation type is linked to the case information.

[0012] In addition, the loan screening support program of the present invention is a loan screening support program to be executed by a loan screening support device equipped with a control unit, and is characterized by including a case reception step for receiving case information for each application including category information of the application content to be executed by the control unit, and an investigation implementation decision step for determining whether or not an investigation is necessary for each case information received in the case reception step based on an investigation necessity master in which classifications of whether or not an investigation is necessary according to category information for each investigation type are pre-registered, and linking the investigation necessity for each investigation type to the case information. [Effects of the Invention]

[0013] According to the system of the present invention, it is possible to easily determine whether or not each investigation is necessary based on the category of each application, which in turn makes it possible to easily change the investigation content in response to the introduction of new products or changes in the scope of business, and contributes to optimizing the review process. [Brief explanation of the drawings]

[0014] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of a PC 100 according to an embodiment. [Figure 2] FIG. 2 is a diagram showing an example of the flow of information processing from the acceptance of an instance to the information processing for determining the highest priority transition destination process and the subsequent transition of the transition destination process in one embodiment. [Figure 3] FIG. 3 is a diagram illustrating an example of the investigation type master according to an embodiment. [Figure 4]FIG. 4 is a diagram illustrating an example of the investigation necessity master according to an embodiment. [Figure 5] FIG. 5 is a diagram illustrating an example of a transition destination process master according to an embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of case data and investigation status data and priority process data linked thereto according to an embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of investigation status data according to an embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0015] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to this embodiment.

[0016] [1. Configuration] Here, an example of the configuration of a PC (personal computer) 100 according to this embodiment, including a loan examination support device of the present invention, will be described with reference to Figure 1. Note that the configuration of this embodiment is merely an example, and the present invention is not limited to being realized with the configuration of this embodiment. Also, in the following description of the configuration, duplicated explanations may be omitted.

[0017] 1 is a block diagram showing an example of the configuration of a PC 100. The PC 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108, and is communicably connected to a server 200 (such as a Web server) that stores various data (for example, the data stored in the storage unit 106, which may be the data described below) via a network 300 (such as the Internet, an intranet, or a LAN (Local Area Network)).

[0018] The components of the PC 100 are communicably connected via any communication path.

[0019] The PC 100 may be a stationary type such as a desktop personal computer, or may be a portable type such as a notebook personal computer, a PDA (Personal Digital Assistant), a smartphone, or a tablet personal computer.

[0020] The control unit 102 is a CPU or the like that performs overall control of the PC 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, and required data, and executes various information processes based on these stored programs.

[0021] The control unit 102 conceptually includes a case receiving unit 102a, an investigation implementation determining unit 102b, an investigation result receiving unit 102c, a priority process determining unit 102d, and the like.

[0022] The case reception unit 102a receives case information by application, including category information of the application contents. In one embodiment, after receiving the case information, the case reception unit 102a creates investigation status information for each case information and for each investigation type, in which the investigation status is undetermined (whether an investigation is necessary or not is undecided), and links the investigation status information to the case information. In one embodiment, after receiving the case information, the case reception unit 102a creates priority process information for each case information, in which the priority process is set as the reception process, and links the priority process information to the case information.

[0023] The case information received by the case receiving unit 102a is information for each application, and includes category information that allows for a determination of whether an investigation is necessary for each type of investigation. The category information includes, for example, a classification of new loan or ongoing credit, a product classification, and an application amount. The investigation type is a classification of investigations conducted to determine the creditworthiness of general loans, and includes, for example, additional foreign credit investigations, personal identification, investigations into suspicious customers, and investigations of work addresses. The determination of whether such investigations are necessary may differ depending on the category information, and the present invention is useful in cases where the determination of whether an investigation is necessary differs.

[0024] The investigation implementation decision unit 102b determines whether or not an investigation is necessary for each investigation type for each case information received by the case reception unit 102a based on an investigation necessity master in which classifications of whether or not an investigation is necessary according to category information for each investigation type are pre-registered, and links the investigation necessity for each investigation type to the case information.

[0025] In one embodiment, the investigation implementation decision unit 102b links the need for investigation to the case information by updating the investigation status information for each investigation type created by the case reception unit 102a for each case information to investigation status information including the need for investigation determined by the investigation implementation decision unit 102b, and linking the updated investigation status information for each investigation type to the case information.

[0026] This makes it easy to determine whether or not each investigation is necessary based on category, optimizing screening. Also, by simply changing the registered contents of the investigation necessity master, it is possible to systematically organize the investigation contents and each investigation necessity for each category, and it is possible to flexibly change the investigation contents and each investigation necessity in response to the introduction of new products or changes in the scope of business.

[0027] The investigation result receiving unit 102c receives the investigation results for each piece of case information for each type of investigation that the investigation implementation deciding unit 102b has decided is necessary, and links the investigation results for each type of investigation to the case information.

[0028] In one embodiment, the investigation result receiving unit 102c links the investigation results to the case information by updating the investigation status information for the investigation type for which the investigation implementation decision unit 102b has determined that an investigation is necessary to investigation status information including the investigation results received by the investigation result receiving unit 102c, and linking the updated investigation status information for each investigation type to the case information.

[0029] This allows necessary investigations to be carried out appropriately and the investigation status to be managed appropriately.

[0030] Based on a transition destination process master in which the classification of transition destination processes according to the necessity of investigation and the investigation results for each investigation type is registered in advance, the priority process determination unit 102d extracts the transition destination process with the highest priority for each piece of project information from the transition destination processes for each investigation type that correspond to the necessity of investigation linked by the investigation implementation determination unit 102b and the investigation results linked by the investigation result receiving unit 102c, and links the transition destination process with the highest priority to the project information.

[0031] In one embodiment, the priority process decision unit 102d links the highest priority destination process to the project information by updating the priority process information created by the project receiving unit 102a, which sets the priority process as the received process, to priority process information that sets the priority process as the highest priority destination process for each project information, and then linking the updated priority process information to the project information. The priority of the transition destination process is set in advance and can be changed.

[0032] This makes it easy to understand the necessary processes that should be prioritized for each project, allowing projects to be managed appropriately.

[0033] The communication interface unit 104 communicably connects the PC 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line.

[0034] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs that work in conjunction with an OS (Operating System) to issue commands to a CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. The storage unit 106 can be, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc.

[0035] The memory unit 106 conceptually includes an investigation type master memory unit 106a, an investigation necessity master memory unit 106b, a transition destination process master memory unit 106c, a case data memory unit 106d, an investigation status data memory unit 106e, a priority process data memory unit 106f, and the like.

[0036] The survey type master storage unit 106a stores a survey type master in which information about the survey type is registered in advance for each survey type. The survey type master includes survey type information including information about the survey type, such as the survey name, in addition to the survey type identifier. The survey type information in the survey type master can be added or changed at any time as needed.

[0037] The investigation necessity master storage unit 106b stores an investigation necessity master in which the classification of investigation necessity according to category information is registered in advance for each investigation type. The classification of investigation necessity is registered in the investigation necessity master, for example, by classification of new loan or ongoing credit in the category information, by classification of product in the category information, and by range of application amount in the category information. The investigation necessity master stores category information (for example, It includes information on whether an investigation is necessary, including the classification of whether it is a new loan or ongoing credit, the product classification, and the range of application amounts, as well as the corresponding classification of whether an investigation is necessary. The information on whether an investigation is necessary in the investigation necessity master is linked to the information on the investigation type in the investigation type master via the investigation type identifier. The information on whether an investigation is necessary in the investigation necessity master can be added or changed at any time as needed.

[0038] The transition destination process master storage unit 106c stores a transition destination process master in which information about the transition destination process is registered in advance by investigation necessity, investigation result, and investigation type. The transition destination process master includes an investigation type identifier, an investigation status (i.e., investigation necessity and investigation result), and transition destination process information that corresponds to them. The transition destination process information in the transition destination process master can be added or changed at any time as needed.

[0039] The project data storage unit 106d stores project data in which information about a project is registered for each application. The project data includes project information including a project identifier and application details (e.g., classification of new loan or ongoing credit, product classification, and application amount).

[0040] The investigation status data storage unit 106e stores investigation status data in which information regarding the investigation status is registered by case information and by investigation type. The investigation status data includes investigation status information including a case identifier, an investigation type identifier, and the corresponding investigation status (i.e., whether an investigation is necessary and the investigation results). The investigation status information in the investigation status data is linked to the case information in the case data via the case identifier. The investigation status information in the investigation status data can be changed at any time as needed.

[0041] The priority process data storage unit 106f stores priority process data in which information on the highest priority transition destination process is registered for each item of project information. The priority process data includes an identifier of the project and priority process information including the highest priority transition destination process. The priority process information in the priority process data is linked to the project information in the project data and the investigation status information in the investigation status data via the identifier of the project.

[0042] An input device 400 and an output device 500 are connected to the input / output interface unit 108. The output device 400 includes display devices such as a display or projector, audio devices such as speakers, printing devices such as printers, as well as devices that allow downloading in data file format. The data file format may be a file format known in the art, such as PDF, CSV, document file, spreadsheet file, or text file. The input device 500 may include a keyboard, mouse, microphone, or a monitor that functions as a pointing device in cooperation with a mouse.

[0043] [2. Specific Examples] Below, using a specific example, we will explain, with reference to Figures 2 to 7, the information processing performed by the loan screening support device of the present invention to accept a case, decide to conduct an investigation, accept the investigation results, determine the transition destination process with the highest priority, and the subsequent progression of the transition destination process.

[0044] FIG. 2 is a diagram showing an example of the flow of information processing from the acceptance of an instance to the information processing for determining the highest priority transition destination process and the subsequent transition of the transition destination process in this specific example.

[0045] As shown in FIG. 2, first, the case receiving unit 102a receives case information for each application, including category information of the application content (S01), and the investigation implementation decision unit 102b decides whether or not an investigation is necessary for each investigation type for each case information based on the investigation necessity master (S02).

[0046] Furthermore, the investigation result receiving unit 102c receives the investigation results for each piece of case information according to the investigation type for which an investigation is determined to be necessary (S03), and the priority process determination unit 102d extracts and determines, for each piece of case information, the transition destination process with the highest priority from among the transition destination processes for each investigation type corresponding to the necessity of investigation and the investigation result, based on the transition destination process master (S04).

[0047] For cases whose highest priority destination Process is the Investigation Process (S05-YES), the case will move to the Investigation Process (S06), and if the review proceeds smoothly, it will move through the Review Preparation Process (S08) and then to the Final Judgment Process (S09). For cases whose highest priority destination Process is the Review Preparation Process (S05-NO, S07-YES), the case will move directly to the Review Preparation Process (S08), and if the review proceeds smoothly, it will move to the Final Judgment Process (S09). For cases whose highest priority destination Process is the Final Judgment Process (S05-NO, S07-NO), the case will move directly to the Final Judgment Process (S09).

[0048] 3 is a diagram showing the survey type master 30 in this specific example. As shown in FIG. 3, the survey type master 30 in this specific example has survey type information 3a to 3d, each of which includes a survey CD (survey type identifier) and a survey name, registered in advance for each survey type.

[0049] Figure 4 is a diagram showing the investigation necessity master 40 in this specific example. As shown in Figure 4, the investigation necessity master 40 in this specific example has investigation necessity information 4a to 4j, which includes investigation CD, new / in-progress classification (classification of new loan or ongoing credit), product (classification of product), upper and lower limits of application amount (range of application amount), credit type, and implementation status (classification of investigation necessity), which are pre-registered by investigation type and three category information (classification of new loan or ongoing credit, product classification, and range of application amount). The investigation necessity information 4a to 4j in the investigation necessity master 40 is linked to the investigation type information 3a to 3d in the investigation type master 30 via the investigation CD.

[0050] Fig. 5 is a diagram showing the transition destination process master 50 in this specific example. As shown in Fig. 5, the transition destination process master 50 in this specific example has transition destination process information 5a to 5l, including investigation CDs, investigation results (investigation status), and transition destination processes, which are registered in advance by investigation status (investigation necessity and investigation result) and investigation type. The transition destination process information 5a to 5l in the transition destination process master 50 is linked to investigation type information 3a to 3d in the investigation type master 30 and investigation necessity information 4a to 4j in the investigation necessity master 40 via the investigation CD.

[0051] Fig. 6 shows case data 60 in this specific example, and the associated investigation status data 70 and priority process data 80. Fig. 6(a) shows the case data 60 after the case information is received by the case receiving unit 102a, Fig. 6(b) shows the case data 60 after the investigation implementation deciding unit 102b decides whether or not an investigation is necessary, Fig. 6(c) shows the case data 60 after the investigation results are received by the investigation result receiving unit 102c, and Fig. 6(d) shows the case data 60 and the associated investigation status data 70 and priority process data 80 after the priority process deciding unit 102d extracts the transition destination process with the highest priority. As shown in Figure 6, the case data 60 in this specific example has case information 6a and 6b for each application, which includes a case number (an identifier assigned to each piece of case information), a new and ongoing category, a product, and an application amount. Each piece of case information 6a and 6b is linked to the investigation status information in the investigation status data 70, such as additional foreign credit investigation, personal identification, suspicious customers, and work address, as well as the process (the transition process with the highest priority) of the priority process information in the priority process data 80, via the case number.

[0052] FIG. 7 shows investigation status data 70 in this specific example. FIG. 7(a) shows the investigation status data 70 after the case information is received by the case receiving unit 102a. FIG. 7(b) shows the investigation status data 70 after the investigation implementation deciding unit 102b decides whether or not an investigation is necessary. FIG. 7(c) shows the investigation status data 70 after the investigation results receiving unit 102c receives the investigation results. FIG. 7(a) corresponds to the investigation status data 70 in FIG. 6(a), FIG. 7(b) corresponds to the investigation status data 70 in FIG. 6(b), and FIG. 7(c) corresponds to the investigation status data 70 in FIG. 6(c). As shown in FIG. 7, the investigation status data 70 in this specific example has investigation status information 7a to 7h, each of which includes a case number, investigation CD, and investigation status, for each case information item and each investigation type. The investigation status information 7a to 7h in the investigation status data 70 is linked to the investigation type information 3a to 3d in the investigation type master 30 via the investigation CD. 6, the investigation status information 7a to 7h in the investigation status data 70 is linked to the case information 6a and 6b in the case data 60 via the case number.

[0053] The details of the information processing flow of the loan examination support device in this example, including acceptance of a case, decision on investigation implementation, acceptance of investigation results, and decision on the highest priority transition destination process, will be described below with reference to FIGS.

[0054] First, the case reception unit 102a receives case information 6a including the new in-progress category "new credit (new loan)", the product "loan on security", and the application amount "500,000 yen", and case information 6b including the new in-progress category "new credit", the product "loan on security", and the application amount "1,500,000 yen", and assigns case numbers "1" and "2" to the case information 6a and 6b, respectively, as shown in Figure 6(a) (S01).

[0055] As shown in Figure 7(a), the case reception unit 102a creates undetermined investigation status information 7a to 7h for each received case information 6a and 6b in the investigation status data 70, for four investigation types: additional foreign credit investigation, identity verification, suspicious customers, and work address, and links it to the case information 6a and 6b as shown in Figure 6(a).

[0056] Meanwhile, the case receiving unit 102a creates priority process information in the priority process data 80 for each of the case information 6a and 6b, with the priority process set to "received process," and links the information to the case information 6a and 6b as shown in FIG. 6(a).

[0057] Next, the investigation implementation decision unit 102b decides whether or not an investigation is necessary for each investigation type for each case information 6a / 6b received by the case reception unit 102a based on an investigation necessity master in which the necessity of investigation (classification of whether or not an investigation is necessary) is pre-registered for each of the four investigation types: additional foreign credit investigation, identity verification, suspicious customers, and work address, according to three category information: new and ongoing classification, product, and upper and lower limits of application amount, as shown in Figure 4, and further updates the investigation status information created by the case reception unit 102a to investigation status information including the necessity of investigation decided by the investigation implementation decision unit 102b, and links the updated investigation status information for each investigation type to the case information (S02).

[0058] Specifically, first, for the investigation "Additional Foreign Credit Investigation" for case information 6a (case No. "1"), the investigation implementation decision unit 102b extracts the corresponding investigation necessity information 4a from the investigation necessity information 4a-4j in the investigation necessity master shown in Figure 4 based on the investigation CD "001" of the investigation type information 3a for "Additional Foreign Credit Investigation" in the investigation type master 30 shown in Figure 3, and the new ongoing classification "New Credit", product "Loan on Security", and application amount "500,000 yen" in the case information 6a, and determines that the investigation necessity (classification of investigation necessity) is "Yes (investigation required)". Furthermore, the investigation implementation decision unit 102b updates the investigation status "Undetermined" in the investigation status information 7a for investigation CD "001" with case No. "1" in Figure 7(a) to "Waiting for Determination", which means that an investigation is required, as shown in Figure 7(b), and links it to case information 6a as shown in Figure 6(b).

[0059] Similarly, for the investigation "identification of the principal" for case information 6a (case No. "1"), the investigation implementation decision unit 102b extracts the corresponding investigation necessity information 4e from the investigation necessity information 4a to 4j in the investigation necessity master shown in Figure 4 based on the investigation CD "002" of the investigation type information 3b for "identification of the principal" in the investigation type master 30 shown in Figure 3, and the new ongoing classification "new credit", product "loan on security", and application amount "500,000 yen" in case information 6a, and determines that the implementation (classification of investigation necessity) is "yes (investigation required)". Furthermore, the investigation implementation decision unit 102b updates the investigation status "undetermined" in the investigation status information 7b for investigation CD "002" with case No. "1" in Figure 7(a) to "waiting for determination", which means that an investigation is required, as shown in Figure 7(b), and links it to case information 6a as shown in Figure 6(b).

[0060] Similarly, for the investigation of "Customer Needing Attention" for case information 6a (case No. "1"), the investigation implementation decision unit 102b extracts the corresponding investigation necessity information 4g from the investigation necessity information 4a-4j in the investigation necessity master shown in Figure 4 based on the investigation CD "003" in the investigation type information 3c of "Customer Needing Attention" in the investigation type master 30 shown in Figure 3, and the new ongoing classification "New Credit", product "Loan on Security", and application amount "500,000 yen" in the case information 6a, and determines whether to implement the investigation (classification of whether investigation is necessary) to be "No (investigation not required)". Furthermore, the investigation implementation decision unit 102b updates the investigation status "Undetermined" in the investigation status information 7c of investigation CD "003" for case No. "1" in Figure 7(a) to "Not Required", meaning that investigation is not required, as shown in Figure 7(b), and links it to case information 6a as shown in Figure 6(b).

[0061] Similarly, for the investigation "Workplace Address" for case information 6a (case No. "1"), the investigation implementation decision unit 102b extracts the corresponding investigation necessity information 4i from the investigation necessity information 4a-4j in the investigation necessity master shown in Figure 4 based on the investigation CD "004" in the investigation type information 3d for "Workplace Address" in the investigation type master 30 shown in Figure 3, and the new ongoing classification "New Credit", product "Proof Loan", and application amount "500,000 yen" in case information 6a, and determines that the implementation (classification of investigation necessity) is "No (investigation not required)". Furthermore, the investigation implementation decision unit 102b updates the investigation status "Undetermined" in the investigation status information 7d for investigation CD "004" with case No. "1" in Figure 7(a) to "Not Required", meaning that no investigation is required, as shown in Figure 7(b), and links it to case information 6a as shown in Figure 6(b).

[0062] Similarly, for the investigation "Additional Foreign Credit Investigation" for case information 6b (case No. "2"), the investigation implementation decision unit 102b extracts the corresponding investigation necessity information 4b from the investigation necessity information 4a-4j in the investigation necessity master shown in Figure 4 based on the investigation CD "001" of the investigation type information 3a for "Additional Foreign Credit Investigation" in the investigation type master 30 shown in Figure 3, and the new ongoing classification "New Credit", product "Loan on Security", and application amount "1,500,000 yen" in case information 6a, and determines that the investigation necessity (classification of investigation necessity) is "Yes (investigation required)". Furthermore, the investigation implementation decision unit 102b updates the investigation status "Undetermined" in the investigation status information 7e for investigation CD "001" with case No. "2" in Figure 7(a) to "Waiting for Determination", which means that an investigation is required, as shown in Figure 7(b), and links it to case information 6b as shown in Figure 6(b).

[0063] Similarly, for the investigation "identification of the principal" for case information 6b (case No. "2"), the investigation implementation decision unit 102b extracts the corresponding investigation necessity information 4f from the investigation necessity information 4a to 4j in the investigation necessity master shown in Figure 4 based on the investigation CD "002" of the investigation type information 3b for "identification of the principal" in the investigation type master 30 shown in Figure 3, and the new ongoing classification "new credit", product "loan on security", and application amount "1,500,000 yen" in case information 6a, and determines that the investigation necessity (classification of investigation necessity) is "yes (investigation required)". Furthermore, the investigation implementation decision unit 102b updates the investigation status "undetermined" in the investigation status information 7f for investigation CD "002" with case No. "2" in Figure 7(a) to "waiting for determination", which means that an investigation is required, as shown in Figure 7(b), and links it to case information 6b as shown in Figure 6(b).

[0064] Similarly, for the investigation of "Customer Needing Attention" for case information 6b (case No. "2"), the investigation implementation decision unit 102b extracts the corresponding investigation necessity information 4h from the investigation necessity information 4a-4j in the investigation necessity master shown in Figure 4 based on the investigation CD "003" in the investigation type information 3c of "Customer Needing Attention" in the investigation type master 30 shown in Figure 3, and the new ongoing classification "New Credit", product "Loan on Security", and application amount "1,500,000 yen" in case information 6a, and determines that the investigation necessity classification is "Yes (investigation required)". Furthermore, the investigation implementation decision unit 102b updates the investigation status "Undetermined" in the investigation status information 7g of investigation CD "003" for case No. "2" in Figure 7(a) to "Waiting for Determination", which means that an investigation is required, as shown in Figure 7(b), and links it to case information 6b as shown in Figure 6(b).

[0065] Similarly, for the investigation "Workplace Address" for case information 6b (case No. "2"), the investigation implementation decision unit 102b extracts the corresponding investigation necessity information 4j from the investigation necessity information 4a to 4j in the investigation necessity master shown in Figure 4 based on the investigation CD "004" in the investigation type information 3d for "Workplace Address" in the investigation type master 30 shown in Figure 3, and the new ongoing classification "New Credit", product "Proof Loan", and application amount "1,500,000 yen" in case information 6a, and determines that the implementation (classification of investigation necessity) is "No (investigation not required)". Furthermore, the investigation implementation decision unit 102b updates the investigation status "Undetermined" in the investigation status information 7h for investigation CD "004" with case No. "2" in Figure 7(a) to "Not Required", meaning that no investigation is required, as shown in Figure 7(b), and links it to case information 6b as shown in Figure 6(b).

[0066] Next, the investigation result receiving unit 102c receives the investigation results for each of the five investigation types, namely, "additional investigation by foreign credit card" and "identification of the individual" for case information 6a (case No. "1") for which the investigation implementation decision unit 102b has determined that an investigation is necessary, and "additional investigation by foreign credit card," "identification of the individual," and "customer to watch out for" for case information 6b (case No. "2"), updates the investigation status information of "waiting for judgment" updated by the investigation implementation decision unit 102b to investigation status information including the investigation results, and links the updated investigation status information for each investigation type to the case information (S03).

[0067] In this specific example, as a result of the user inputting the investigation results into the loan screening support device, the investigation result receiving unit 102c receives the investigation result "deficient", meaning that there was an deficiency, for the investigation "additional investigation by foreign credit card" for case information 6a (case No. "1"), and receives the investigation result "completed", meaning that the investigation has been completed, for the investigation "identification of the individual" for case information 6a (case No. "1") and the investigations "additional investigation by foreign credit card", "identification of the individual", and "customer of concern" for case information 6b (case No. "2").

[0068] Specifically, after accepting the investigation result "deficient" for the investigation "additional foreign mail investigation" for case information 6a (case No. "1"), the investigation result acceptance unit 102c updates the investigation status "waiting for judgment" in the investigation status information 7a for investigation CD "001" with case No. "1" in Figure 7(b) to the accepted investigation result "deficient" as shown in Figure 7(c) based on the investigation CD "001" in the investigation type information 3a for "additional foreign mail investigation" in the investigation type master 30 shown in Figure 3, and links it to the case information 6a as shown in Figure 6(c).

[0069] Similarly, after accepting the investigation result "Completed" for the "identification of individual" investigation for case information 6a (case No. "1"), the investigation reception unit 102c updates the investigation status "Waiting for judgment" in the investigation status information 7b for investigation CD "002" with case No. "1" in Figure 7(b) to the accepted investigation result "Completed" as shown in Figure 7(c) based on the investigation CD "002" of the investigation type information 3a for "identification of individual" in the investigation type master 30 shown in Figure 3, and links it to the case information 6a as shown in Figure 6(c).

[0070] Similarly, after accepting the investigation results "completed" for the three investigations "additional foreign credit investigation," "identification of the individual," and "customer to watch out for" for case information 6b (case No. "2"), the investigation reception unit 102c updates the investigation status "waiting for judgment" of the investigation status information 7e to 7g for investigation CDs "001" to "003" for case No. "2" in Figure 7(b) to the accepted investigation results "completed," as shown in Figure 7(c), and links them to case information 6b as shown in Figure 6(c).

[0071] Next, the priority process determination unit 102d determines, for each investigation type, a transition destination process corresponding to the investigation status (investigation necessity and investigation result) of the priority process information updated by the investigation implementation determination unit 102b or the investigation result receiving unit 102c based on a transition destination process master in which three transition destination processes, i.e., an investigation process, an examination preparation process, and a final judgment process, are pre-registered according to the investigation status (investigation necessity and investigation result) as shown in Fig. 5, and extracts the transition destination process with the highest priority for each piece of project information, further updates the priority process information updated by the investigation implementation determination unit 102b or the investigation result receiving unit 102c to prioritized process information with the highest priority of the transition destination process, and links the updated priority process information to the project information (S04). Note that in this specific example, the priorities of the transition destination processes are pre-set to investigation process, examination preparation process, and final judgment process, in descending order of priority.

[0072] Specifically, first, for the investigation "additional investigation of foreign mail" for case information 6a (case No. "1"), the priority process determination unit 102d extracts the corresponding investigation necessity information 5a from the transition destination process information 5a to 5l in the transition destination process master shown in Figure 5 based on the investigation CD "001" of the investigation type information 3a for "additional investigation of foreign mail" in the investigation type master 30 shown in Figure 3 and the investigation status "deficient" in the investigation status information 7a shown in Figure 7(c), and determines that the transition destination process is the "investigation process."

[0073] Similarly, for the investigation "identification of the individual" for case information 6a (case No. "1"), the priority process determination unit 102d extracts the corresponding investigation necessity information 5e from the transition destination process information 5a to 5l in the transition destination process master shown in Figure 5 based on the investigation CD "002" of the investigation type information 3a for "identification of the individual" in the investigation type master 30 shown in Figure 3 and the investigation status "completed" of the investigation status information 7b shown in Figure 7(c), and determines that the transition destination process is the "final judgment process."

[0074] Similarly, for the investigation "Customer requiring caution" for case information 6a (case No. "1"), the priority process determination unit 102d extracts the corresponding investigation necessity information 5i from the transition destination process information 5a to 5l in the transition destination process master shown in Figure 5 based on the investigation CD "003" of the investigation type information 3a for "Customer requiring caution" in the investigation type master 30 shown in Figure 3 and the investigation status "not required" in the investigation status information 7c shown in Figure 7(c), and determines that the transition destination process is the "final judgment process."

[0075] Similarly, for the investigation "Workplace Address" for case information 6a (Case No. "1"), the priority process determination unit 102d extracts the corresponding investigation necessity information 5l from the transition destination process information 5a to 5l in the transition destination process master shown in Figure 5 based on the investigation CD "004" of the investigation type information 3a for "Workplace Address" in the investigation type master 30 shown in Figure 3 and the investigation status "Not required" in the investigation status information 7d shown in Figure 7(c), and determines that the transition destination process is the "Final Determination Process."

[0076] The priority process determination unit 102d extracts the transition destination process "Investigation Process" with the highest priority from the transition destination processes "Investigation Process," "Final Determination Process," "Final Determination Process," and "Final Determination Process" determined for the investigations "Additional Investigation of Foreign Credit," "Personal Identification," "Suspicious Customer," and "Work Address" for the case information 6a (case No. "1"). The priority process determination unit 102d updates the priority process information of the priority process "Reception Process" corresponding to case No. "1" created by the case reception unit 102a as shown in Figure 6(c) to the priority process information of the transition destination process "Investigation Process" with the highest priority as shown in Figure 6(d), and links it to the case information 6a.

[0077] For the case information 6a that has been assigned the highest priority as the transition destination process "Investigation Process," it will move to the Investigation Process (S05-YES, S06), and if the review proceeds smoothly, it will move through the Review Preparation Process (S08) and then to the Final Decision Process (S09).

[0078] On the other hand, for the investigation "additional investigation of foreign mail" for case information 6b (case No. "2"), the priority process determination unit 102d extracts the corresponding investigation necessity information 5b from the transition destination process information 5a to 5l in the transition destination process master shown in Figure 5 based on the investigation CD "001" of the investigation type information 3a for "additional investigation of foreign mail" in the investigation type master 30 shown in Figure 3 and the investigation status "completed" of the investigation status information 7e shown in Figure 7(c), and determines that the transition destination process is the "final judgment process".

[0079] Similarly, for the investigation "identification of the individual" for case information 6b (case No. "2"), the priority process determination unit 102d extracts the corresponding investigation necessity information 5e from the transition destination process information 5a to 5l in the transition destination process master shown in Figure 5 based on the investigation CD "002" of the investigation type information 3a for "identification of the individual" in the investigation type master 30 shown in Figure 3 and the investigation status "completed" of the investigation status information 7f shown in Figure 7(c), and determines that the transition destination process is the "final judgment process."

[0080] Similarly, for the investigation "Customer requiring caution" for case information 6b (case No. "2"), the priority process determination unit 102d extracts the corresponding investigation necessity information 5h from the transition destination process information 5a to 5l in the transition destination process master shown in Figure 5 based on the investigation CD "003" of the investigation type information 3a for "Customer requiring caution" in the investigation type master 30 shown in Figure 3 and the investigation status "Completed" in the investigation status information 7g shown in Figure 7(c), and determines that the transition destination process is the "Final Determination Process".

[0081] Similarly, for the investigation "Workplace Address" for case information 6b (Case No. "2"), the priority process determination unit 102d extracts the corresponding investigation necessity information 5l from the transition destination process information 5a to 5l in the transition destination process master shown in Figure 5 based on the investigation CD "004" of the investigation type information 3a for "Workplace Address" in the investigation type master 30 shown in Figure 3 and the investigation status "Not required" in the investigation status information 7h shown in Figure 7(c), and determines that the transition destination process is the "Final Determination Process."

[0082] The priority process determination unit 102d extracts the "Final Determination Process" as the transition destination process with the highest priority because the transition destination processes determined for the investigations "Additional Foreign Credit Investigation," "Personal Identification," "Suspicious Customer," and "Work Address" for the case information 6b (case No. "2") are all "Final Determination Process." The priority process determination unit 102d updates the priority process information of the priority process "Reception Process" corresponding to case No. "2" created by the case reception unit 102a as shown in Figure 6(c) to the priority process information of the transition destination process "Final Determination Process" with the highest priority as shown in Figure 6(d), and links it to the case information 6a.

[0083] The case information 6b that has been determined to have the highest priority as the transition destination process "Final Determination Process" is directly transferred to the Final Determination Process (S09).

[0084] As explained above, the system of the present invention makes it easy to determine whether or not each investigation is necessary based on the category of each application, which in turn makes it possible to easily change the investigation content in response to the introduction of new products or changes in the scope of business, and contributes to optimizing the review process.

[0085] [3. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of SDGs Goals 8 and 9.

[0086] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0087] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0088] 4. Other Embodiments Although the embodiments of the present invention have been described above, the present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept described in the claims.

[0089] For example, among the processes described in the above-mentioned embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0090] In addition, the processing procedures, control procedures, specific names, registered data for each process, information including parameters such as search conditions, screen examples, and database configurations shown in the above documents and drawings can be changed as desired unless otherwise specified.

[0091] Furthermore, with regard to the PC 100, the components shown in the drawings are functional concepts, and do not necessarily have to be physically configured as shown in the drawings.

[0092] For example, all or any part of the processing functions of each device constituting PC 100, particularly the processing functions performed by the control unit, may be implemented by a CPU and a program interpreted and executed by the CPU, or may be implemented as hardware using wired logic. The program is recorded on a non-transitory, computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by each device as needed. That is, a computer program is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive) for working with the OS to issue instructions to the CPU and perform various processes. The computer program is executed by being loaded into RAM and works with the CPU to form the control unit.

[0093] This computer program may also be stored in an application program server connected to the PC 100 via any network, and all or part of it may be downloaded as needed.

[0094] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium, or may be configured as a program first product. Here, the term "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0095] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0096] The various databases stored in the memory unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

[0097] The PC 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The PC 100 may be realized by installing software (including programs, data, etc.) that causes the PC 100 to perform the processes described in this embodiment.

[0098] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Industrial Applicability]

[0099] The present invention is useful, for example, in the financial industry where loan screening is carried out. [Explanation of symbols]

[0100] 100 PC 102 Control section 102a Case Reception Department 102b Investigation Implementation Decision Division 102c Survey Results Reception Department 102d Priority process determination department 104 Communication interface unit 106 Storage section 106a Survey type master memory section 106b Investigation necessity master storage unit 106c Transition destination process master storage unit 106d Case data storage unit 106e Investigation status data storage unit 106f Priority process data storage unit 108 Input / Output Interface Section 200 servers 300 Network 400 Input Device 500 output devices

Claims

1. A loan examination support device including a control unit, The control unit an application receiving means for receiving application-specific application information including category information of the application content; an investigation implementation decision means for determining whether or not an investigation is necessary for each investigation type for each case information received by the case receiving means based on an investigation necessity master in which classifications of whether or not an investigation is necessary according to category information for each investigation type are registered in advance, and for linking the investigation necessity for each investigation type to the case information; A loan examination support device comprising:

2. 2. The loan examination support device according to claim 1, wherein the category information includes a classification of new loan or ongoing credit, a product classification, and an application amount.

3. The control unit a survey result receiving means for receiving survey results for each case information for each survey type determined to require a survey by the survey implementation determining means, and linking the survey results for each survey type to the case information; The loan examination support device according to claim 1, further comprising:

4. The control unit a priority process determination means for extracting, for each item of project information, the transition destination process with the highest priority from among the transition destination processes for each type of investigation corresponding to the necessity of investigation linked by the investigation implementation determination means and the investigation results linked by the investigation result receiving means, based on a transition destination process master in which classifications of transition destination processes according to the necessity of investigation and the investigation results for each type of investigation are registered in advance, and linking the transition destination process with the highest priority to the project information; The loan examination support device according to claim 3, further comprising:

5. A loan examination support method executed in a loan examination support device including a control unit, Executed by the control unit, a job acceptance step for accepting job information for each application including category information of the application content; an investigation decision step of determining whether or not an investigation is necessary for each investigation type for each case information received in the case receiving step based on an investigation necessity master in which classifications of whether or not an investigation is necessary according to category information for each investigation type are registered in advance, and linking the investigation necessity for each investigation type to the case information; A loan examination support method comprising:

6. A loan examination support program to be executed by a loan examination support device having a control unit, To cause the control unit to execute a job acceptance step for accepting job information for each application including category information of the application content; an investigation decision step of determining whether or not an investigation is necessary for each investigation type for each case information received in the case receiving step based on an investigation necessity master in which classifications of whether or not an investigation is necessary according to category information for each investigation type are registered in advance, and linking the investigation necessity for each investigation type to the case information; A loan screening support program comprising:

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