Computer system, server, and application program for assisting users in obtaining mortgage loans

Abstract

To reduce a burden on users in selecting and applying for mortgage loans.SOLUTION: A user terminal apparatus receives input of screening items necessary for mortgage loan screening through a user interface of a first application program, and transmits the input contents to a server. The server transmits the input contents of the screening items to a terminal apparatus of a mortgage loan introducing company, receives the input contents of the screening items that have been corrected or supplemented on the terminal apparatus of the introducing company, and transmits a list including introducing information of a plurality of mortgage loan products that are determined to be loanable to a user based on the screening results of the plurality of mortgage loan products to the user terminal apparatus. The user terminal apparatus displays the list including the introducing information of the plurality of mortgage loan products determined to be loanable to the user.SELECTED DRAWING: Figure 19

Description

[Technical Field]

[0001] The present invention relates to a computer system, a server, and an application program that assist users in obtaining mortgage loans. [Background technology]

[0002] In Japan, there are two types of home loans: private loans provided by financial institutions such as banks, and public loans provided by local governments and other organizations. In the past, the Japan Housing Loan Corporation was responsible for one type of public loan, and the corporation provided loans (direct loans) directly to borrowers (users). In 2007, the corporation was abolished, and the Japan Housing Finance Agency was established in its place. The Japan Housing Finance Agency does not provide direct loans, but rather private institutions are commissioned by the Japan Housing Finance Agency to provide loans to users (indirect loans).

[0003] As a result, the number of financial institutions offering mortgage loans has increased, and the variety of mortgage loans (product types) has also increased, meaning that users have to bear not only the burden of selecting a product but also the burden of applying for it.

[0004] Patent Document 1 proposes a mortgage product extraction system that extracts mortgage product candidates from multiple mortgage products handled by multiple financial institutions and transmits them to an information processing terminal of a mortgage intermediary. Patent Document 2 proposes a mortgage loan support method that determines whether a borrower is eligible for a mortgage based on application screening information that includes at least personal information such as name, date of birth, and gender, loan information such as purchase budget, desired loan amount, repayment period, and property information, and occupational information such as the name of the borrower's employer, affiliation and employment type at the employer, job content at the employer, and annual salary at the employer, and transmits the determination result to the borrower. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Patent Publication No. 2021-170170 [Patent Document 2] Patent Publication No. 2021-068270 Summary of the Invention [Problem to be solved by the invention]

[0006] In the past, users typically selected a desired product by looking at a large number of products listed in pamphlets or web pages provided by financial institutions. In the invention of Patent Document 1, information about the mortgage applicant was entered into an information processing terminal of a mortgage intermediary, and a list of mortgage product candidates was displayed on the information processing terminal based on the entered information. In other words, the user and the mortgage intermediary met in person to select a product and apply. However, this type of face-to-face format has become difficult due to the recent spread of COVID-19.

[0007] According to Patent Document 2, a user selects a mortgage in advance, then accesses a server and inputs the information required for the screening. The server then conducts the screening and transmits the available loan amount to the user. Therefore, according to Patent Document 2, the user not only had to select a mortgage in advance, but also had to accurately input the information (at least 200 pieces of information) required for the mortgage screening without the help of a mortgage intermediary or an introduction company (e.g., a home builder) that introduces the mortgage. In addition, it is said that the decrease in face-to-face opportunities between users and intermediaries or introduction companies has significantly increased the burden on users in selecting and applying for a mortgage. While face-to-face opportunities between users and intermediaries or introduction companies may be secured in the future, the burden on users in selecting and applying for a mortgage should still be reduced.

[0008] Therefore, an object of the present invention is to reduce the burden on users in selecting and applying for a home loan. [Means for solving the problem]

[0009] According to the present invention, for example, A computer system including a first application program executed on a terminal device of a user who wishes to apply for a mortgage, a second application program executed on a terminal device of the mortgage introduction company, and a server capable of communicating with the user's terminal device and the mortgage introduction company's terminal device, The first application program is installed on the user's terminal device. Accepting input of examination items required for the mortgage loan examination through a user interface of the first application program; Sending the received input details of the examination items to the server; The server Sending the input details of the screening items and a request for correction or supplementation of the input details to the terminal device of the mortgage introduction company; receiving, from the terminal device of the mortgage introduction company, the input contents of the screening items that have been corrected or supplemented in the terminal device of the mortgage introduction company; transmit to the user's terminal device a list including introduction information for a plurality of mortgage products that have been determined to be eligible for financing based on the results of the examination of the plurality of mortgage products based on the input contents of the examination items that have been corrected or supplemented; The first application program is installed on the user's terminal device. Displaying a list including introduction information of a plurality of mortgage products that have been determined to be available to the user through a user interface of the first application program. 、 the server performs screening for a plurality of mortgage products based on the input contents of the screening items that have been corrected or supplemented, and screening for variable interest rate mortgage products within the server; A computer system is provided. [Effects of the Invention]

[0010] According to the present invention, it is possible to reduce the burden on users in selecting and applying for a home loan. [Brief explanation of the drawings]

[0011] [Figure 1] 1 is a diagram illustrating a computer system for assisting in mortgage applications. [Figure 2] A diagram showing the configuration of the MB server. [Figure 3] FIG. 2 is a diagram showing the configuration of a user terminal. [Figure 4] FIG. 2 is a diagram showing the configuration of an HM terminal. [Figure 5] FIG. 10 is a sequence diagram showing a series of processes related to a bulk screening application. [Figure 6] FIG. 10 is a sequence diagram showing a series of processes related to a bulk screening application. [Figure 7] FIG. 10 is a diagram showing a login screen displayed on the HM terminal. [Figure 8] FIG. 10 is a diagram showing a menu screen displayed on the HM terminal. [Figure 9] FIG. 10 is a diagram showing a personal information input screen on the HM terminal. [Figure 10] FIG. 10 is a diagram showing a personal information input screen on the HM terminal. [Figure 11] FIG. 10 is a diagram showing a notification screen of authentication information on the HM terminal. [Figure 12] FIG. 10 is a diagram showing an SMS message notifying authentication information. [Figure 13] A diagram showing the customer app screen. [Figure 14] FIG. 10 is a diagram showing a consent screen. [Figure 15] A figure showing a password setting screen and a bulk examination application screen. [Figure 16] FIG. 10 is a diagram showing a screen displayed on the HM terminal. [Figure 17] FIG. 10 is a diagram showing a correction and replenishment screen displayed on the HM terminal. [Figure 18] A diagram showing the top screen of the customer app. [Figure 19] FIG. 10 is a diagram showing a restaurant plan display screen. [Figure 20] FIG. 10 is a diagram showing a restaurant plan display screen. [Figure 21] FIG. 10 is a diagram showing a restaurant plan display screen. [Figure 22] A diagram showing the HM app screen. [Figure 23] FIG. 10 is a diagram showing an application list screen in the HM application. [Figure 24] FIG. 10 is a diagram showing a menu screen in an HM application. DETAILED DESCRIPTION OF THE INVENTION

[0012] Hereinafter, the embodiments will be described in detail with reference to the accompanying drawings. Note that the following embodiments do not limit the scope of the invention as claimed, and not all combinations of features described in the embodiments are necessarily essential to the invention. Two or more of the features described in the embodiments may be arbitrarily combined. Furthermore, the same reference numerals are used for the same or similar components, and redundant explanations will be omitted.

[0013] In the following, a program may be described as an entity that executes processing, but this means that a processor such as a CPU that executes processing in accordance with the program is the entity on the hardware.

[0014] (1) A computer system that accepts mortgage applications FIG. 1 shows various computers connected to a mortgage bank server 100 via a network 110. The network 110 is, for example, the Internet. A mortgage bank (hereinafter, MB) is a financial institution that specializes in handling home loans, unlike financial institutions that handle deposits, such as banks. House builders A and B are, for example, companies that introduce home loans. A user applies to a home builder to build a house or purchase a pre-built house, receives an introduction to a home loan at the time, and applies to the mortgage bank with assistance from the home builder. Hereinafter, HM is an abbreviation for home builder. A policy financial institution is, for example, the Japan Housing Finance Agency.

[0015] The user terminals 101a to 101c are terminal devices of users who wish to borrow a mortgage from a mortgage bank. The user terminals 101a to 101c are, for example, smartphones or tablet terminals that run a mobile operating system (e.g., iOS (registered trademark), Android (registered trademark), etc.). Here, three user terminals 101a to 101c are illustrated as an example, but there may be more user terminals 101. Lowercase letters suffixed to the reference numerals are used to distinguish between similar components. Therefore, when describing matters common to multiple similar components, the lowercase letters are omitted.

[0016] The HM terminals 102a to 102c are terminal devices used by sales representatives of house builder A. The HM terminals 102d to 102f are terminal devices used by sales representatives of house builder B. The HM terminals 102 are desktop personal computers or laptop computers, but may also be smartphones or tablet terminals that run a mobile operating system. The number of HM terminals 102 and the number of house builders are also merely examples. The HM terminals 102 may be a mixture of personal computer (PC) type terminals and smartphone type terminals.

[0017] The MB server 100 is a computer managed by a mortgage bank, and communicates with a user terminal 101 and an HM terminal 102 via a network 110. Furthermore, the MB server 100 communicates with an institution system 120 via the network 110. The institution system 120 is a computer managed by a policy financial institution.

[0018] Here, it is assumed that a mortgage bank is entrusted with the lending of home loans provided by a policy financial institution. In other words, the mechanism system 120 receives a home loan examination request from the mortgage bank's MB server 100, performs a home loan examination for each user, and transmits the examination results to the MB server 100. Here, it is assumed that the policy financial institution is lending out a fixed interest rate home loan.

[0019] Although one MB server 100 is shown, in reality, there may be a separate server that can only be connected to the user terminal 101, a server that can only be connected to the HM terminal 102, and a server that manages the customer database.

[0020] (2) MB Server FIG. 2 shows an overview of the MB server 100. The processor 200 is a CPU (Central Processing Unit) that executes various programs stored in the storage device 210. The communication circuit 201 is a network interface circuit that connects to a network and communicates with the user terminal 101, the HM terminal 102, and the mechanism system 120. The communication circuit 201 also has an interface for sending short messages to the user terminal 101 and the smartphone-type HM terminal 102 via short message service (SMS). The communication circuit 201 may send push notifications to the user terminal 101 and the smartphone-type HM terminal 102 instead of SMS messages. The input device 202 is a keyboard, a pointing device, or the like. The output device 203 is a display device, or the like.

[0021] The storage device 210 includes an HDD (hard disk drive), an SSD (solid state drive), a RAM (random access memory), and a ROM (read-only memory). The storage device 210 stores a web server program 211, a mortgage system program 212, a user application server program 213, and a database 220. The web server program 211 provides various information to web browsers according to HTTP (hypertext transfer protocol). The web server program 211 is a program that realizes a web server that is permitted to be accessed only by home builders who have confidentiality obligations. The mortgage system program 212 is a program that creates responses to requests received by the web server program 211 and returns the responses to the web server program 211. The mortgage system program 212 assigns (issues) authentication information (user ID and initial password (PWD)), performs authentication using personal information, accepts applications for screening, performs preliminary screening (determines and proposes available products), and performs the main screening. The mortgage system program 212 performs screening for mortgages (products) directly offered by mortgage banks, and for screening for products offered by the Japan Housing Finance Agency, sends a screening request to the agency system 120 via the network 110 and receives the screening results. The user application server program 213 is a program for communicating with the user terminal 101. The user application server program 213 performs authentication using authentication information (user ID and initial password (PWD)), password changes, and transmission of screening results (list of available products).

[0022] The database 220 is a customer database (DB) shared by the mortgage system program 212 and the user application server program 213. The authentication information includes a login ID and password for each user. The personal information includes, for example, name (in katakana), date of birth, and mobile phone number, which are used for three-point authentication.

[0023] The screening items 223 for pre-screening are items used to determine (pre-screening) available mortgage products, and may consist of at least 50 items. In conventional pre-screening, the user was required to input the applied product, repayment period, interest rate special clause, repayment method (principal, interest, principal), whether or not the user has enrolled in group life insurance, etc. However, in this embodiment, these inputs are not required, and only information necessary for credit judgment is required. The information input here includes not only credit judgment but also information necessary for other mortgage-related screening. For example, the 50 items may include the user's gender (Kanji), given name (Kanji), gender (furigana), given name (furigana), sex, nationality, date of birth, current address (postal code, prefecture, city / town / village, same street address, building name, etc.), current address (furigana), mobile phone number, home landline phone number, occupation, industry, employer name, employer address, employer phone number, employment verification method (health insurance card, etc.), date of employment, annual income, leave (maternity leave, child care leave, caregiver leave), request for issuance of a balance certificate, current residence, current floor area, reason for purchasing this home, family composition of occupants, number of occupants, email address, foreign PEPs (whether they are foreign heads of state, government officials, etc.), employer's business details, employer's department, job type, and position, commute time, secondment / dispatch, name of previous employer and years of service, construction method of current home, family occupants (names, relationships, etc.), and information on co-debtors.

[0024] The screening items 224 for the main screening are items required to undergo the main screening for the product selected by the user from available mortgage products, and may consist of, for example, at least 200 items. Note that some of the screening items 224 for the main screening may be the screening items 223 for the preliminary screening. The screening items 224 for the main screening may include, for example, the purchase date, the registered area, plans for subdivision, existing mortgages, land ownership, etc.

[0025] The review result 225 includes the review result for each product, including, for example, identification information for available products and identification information for unavailable products. The review result 225 may also include information indicating whether the review for multiple products has been completed or not. This information is useful when displaying reviewed products at the top and unreviewed products at the bottom in the list of available products transmitted to the user terminal 101 and the HM terminal 102. By displaying unreviewed products, the user and sales representative can easily understand which products are still under review. On the other hand, products that have not been reviewed may not be displayed in the list. In this case, the list will be shorter, which will reduce the burden of consideration for the user and sales representative.

[0026] (2) User terminal 3 shows the configuration of the user terminal 101. The processor 300 is a CPU (Central Processing Unit) that executes various programs stored in the storage device 310. The communication circuit 301 is a network interface circuit that connects to the network 110 and communicates with the MB server 100. The communication circuit 301 also has an interface for receiving push notifications or short messages via short message service (SMS). The input device 302 is an input key, a touch panel sensor, a voice input device, etc. The output device 303 is a display device, a voice output circuit, etc.

[0027] The storage device 310 includes RAM (random access memory) and ROM (read-only memory). However, the ROM may include EEPROM (electrically erasable programmable read-only memory) or flash memory. The storage device 310 includes a mobile OS 311 and a mortgage application (hereinafter referred to as a customer application) 312. The mobile OS 311 is iOS or Android (registered trademark) OS. The customer application 312 is an application program for a user that is downloaded and installed from an application server (e.g., App Store, Google Play) or the like. The processor 300 communicates with the user application server program 213 of the MB server 100 via the network 110 in accordance with the customer application 312.

[0028] (3) HM terminal FIG. 4 shows the configuration of the HM terminal 102. The processor 400 is a CPU (Central Processing Unit) that executes various programs stored in the storage device 410. The communication circuit 401 is a network interface circuit that connects to the network 110 and communicates with the MB server 100. The communication circuit 401 may also have an interface for receiving push notifications or short messages via short message service (SMS). If the HM terminal 102 is a PC, the input device 402 is a keyboard, pointing device, voice input device, etc. If the HM terminal 102 is a smartphone type, the input device 402 is an input key, touch panel sensor, voice input device, etc. The output device 403 is a display device, voice output circuit, etc.

[0029] When the HM terminal 102 is a PC, the storage device 410 includes an HDD (hard disk drive), an SSD (solid state drive), a RAM (random access memory), and a ROM (read only memory). The storage device 410 includes an OS 411 for the PC and a browser program 413. The processor 400 communicates with the web server (web server program 211) of the MB server 100 via the network 110 in accordance with the browser program 413.

[0030] If the HM terminal 102 is a smartphone, the storage device 410 includes RAM (random access memory) and ROM (read-only memory). The ROM may include EEPROM, flash memory, or the like. The OS 411 is iOS or Android (registered trademark) OS. The HM application 412 is an application program downloaded from an application server (e.g., App Store or Google Play) and installed, and is released only to home builders who have a confidentiality obligation. The processor 400 communicates with a user application server program 213 of the MB server 100 via the network 110 in accordance with the HM application 412. In addition to the user application server program 213, an independent server program that communicates with the HM application 412 may be provided in the MB server 100.

[0031] (4) Processing flow The mortgage application system according to this embodiment has several features that can each be an independent invention. (i) When a user applies for a pre-screening to learn about available mortgage products, the user does not need to select a product and can apply for a comprehensive screening. (b) The information required for the preliminary screening can be entered by the user via a smartphone app, eliminating the need to meet face-to-face with a sales representative from the home builder. (c) The sales representative of the home builder will check the information required for the preliminary screening entered by the user for errors, and will make corrections or additions as necessary, thereby reducing the burden on the user (the sales representative will be able to correct any errors or omissions by comparing the information with the user's personal information obtained when applying for a home). (ii) Comprehensive pre-screening will be carried out, including not only fixed-interest rate products offered by the Japan Housing Finance Agency but also variable-interest rate products offered by mortgage banks. (e) Users can check available products on a smartphone app, eliminating the need to meet with a sales representative from a home builder.

[0032] 5 and 6 are sequence diagrams showing the processing flow of the mortgage loan application system. Here, it is assumed that the sales representatives of home builder A use a PC-type HM terminal 102a and a smartphone-type HM terminal 102b.

[0033] In S501, the processor 400 of the HM terminal 102a executes the browser program 413 to function as a web browser, accesses the mortgage system of the MB server 100 (realized by the processor 200 executing the mortgage system program 212), and sends a request to the MB server 100 to issue a user ID and initial password (PWD).

[0034] 7 shows a login screen 700 displayed on the output device 403 of the HM terminal 102a by the browser program 413. The user ID of a sales representative who has a confidentiality obligation is entered in the ID input box 701. The password assigned to the sales representative is entered in the password input box 702. The login button 703 is a button for sending a login request including the user ID and password to the MB server 100.

[0035] 8 shows a portion of the top screen displayed on the output device 403 of the HM terminal 102a by the browser program 413 when login is successful. The top screen includes a menu 800. The menu 800 has multiple selection buttons, one of which is a new application start button 801.

[0036] FIG. 9 shows an application information input screen 900 that is displayed on the output device 403 of the HM terminal 102a by the browser program 413 when the new application start button 801 is pressed. The name input box 901 includes boxes for inputting the name in kanji and the name in katakana. Here, the applicant is the user. The electronic application button 902 is a button that is pressed by a sales representative when the user wishes to input the information necessary for preliminary screening and display the results of the preliminary screening (available products) via the user terminal 101. The paper application button 903 is a button for proceeding to the previous application for screening using paper.

[0037] 10 shows an input screen 1000 that is displayed on the output device 403 of the HM terminal 102a by the browser program 413 when the electronic application button 902 is pressed. The personal information input section 1001 is a group of text boxes that accept input of the applicant's name, date of birth, and telephone number (mobile phone number). The joint debtor information input section 1002 is a group of text boxes that accept input of the joint debtor's name, date of birth, and telephone number (mobile phone number). The login ID issue button 1003 is a button for sending the entered personal information to the MB server 100 and requesting the MB server 100 to issue a login ID and password for the user (applicant and joint debtor). When the login ID issue button 1003 is operated, in S501, the HM terminal 102a sends an issuance request (name, date of birth, and mobile phone number) to the MB server 100.

[0038] The processor 200 of the MB server 100 communicates with the Web browser (HM terminal 102a) according to the Web server program 211 and provides the above screen. The processor 200 of the MB server 100 receives an issuance request (name, date of birth, and mobile phone number) from the HM terminal 102a according to the Web server program 211. The issuance request is passed from the Web server program 211 to the mortgage loan system program 212.

[0039] In S502, the processor 200 of the MB server 100 issues an ID and an initial password in accordance with the processor 200 of the MB server 100. The processor 200 also writes the ID, password, name, date of birth, and mobile phone number of the principal, the ID, password, name, date of birth, and mobile phone number of the joint debtor, and the identification information of the sales representative, etc., into the database 220 in accordance with the processor 200 of the MB server 100. In particular, the ID and password become authentication information 221. The name, date of birth, and mobile phone number become personal information 222. These may be associated with application identification information issued for each application.

[0040] In S503, the processor 200 of the MB server 100 controls the communication circuit 201 in accordance with the Web server program 211 to transmit the ID and initial password to the HM terminal 102a. The processor 400 of the HM terminal 102a receives an HTML file including the ID and initial password in accordance with the Web browser program 413.

[0041] FIG. 11 shows an ID notification screen 1100 displayed on the output device 403 of the HM terminal 102a in accordance with the Web browser program 413, which includes the ID and initial password of the applicant and the ID and initial password of the joint debtor.

[0042] In S504, the processor 200 of the MB server 100 controls the communication circuit 201 in accordance with the mortgage system program 212 to send an SMS message including the applicant's ID and password to the user terminal 101a (the applicant's smartphone). The destination of the SMS message is the applicant's mobile phone number. If there is a joint debtor, the processor 200 controls the communication circuit 201 in accordance with the mortgage system program 212 to send an SMS message including the joint debtor's ID and password to the user terminal 101b (the joint debtor's smartphone).

[0043] 12 shows an SMS message 1200 sent to the applicant and the joint debtor and displayed on the output device 303. The SMS message 1200 may include, for example, a login ID (customer ID), an initial password, and information about the application store that provides the customer application 312 (e.g., the name of the application store, a URL link that provides the customer application 312, etc.). The following description will be given for the applicant, but the same procedure applies to the joint debtor.

[0044] In S505, the processor 300 of the user terminal 101 downloads and installs the customer application 312 from the application server specified by the SMS message.

[0045] In S506, the processor 300 of the user terminal 101 starts the customer application 312 in accordance with the start instruction input from the input device 302. This enables the customer application 312 to communicate with the user application server program 213 of the MB server 100.

[0046] In S507 , the processor 300 of the user terminal 101 executes the login process in accordance with the customer application 312 .

[0047] 13 shows a login screen 1300 and a personal information input screen 1310 that the processor 300 displays on the output device 303 in accordance with the customer application 312. The login screen 1300 accepts input of the login ID (customer ID) and initial password notified by the SMS message 1200 via the input device 302. When the login button 1301 is pressed, the processor 300 transmits the login ID (customer ID) and initial password to the user application server program 213 of the MB server 100 in accordance with the customer application 312. The processor 200 compares the received ID and password with the authentication information 221 in the database 220 in accordance with the user application server program 213. If the ID and password match, the processor 200 transmits a response indicating successful authentication to the user terminal 101 in accordance with the user application server program 213. The processor 300 of the user terminal 101 receives the response in accordance with the customer application 312. If the two do not match, the processor 200 transmits a response indicating authentication failure to the user terminal 101 in accordance with the user application server program 213. In this case, the user attempts to log in again.

[0048] In S508, the processor 300 of the user terminal 101 displays a personal information input screen 1310 on the output device 303 in accordance with the customer application 312 and accepts input of personal information. As shown in Fig. 13, the personal information input screen 1310 includes input boxes for the user's name (in katakana), date of birth, and mobile phone number.

[0049] In S509, when the processor 300 detects an operation of the personal information registration button 1311, it transmits the personal information entered through the personal information input screen 1310 to the MB server 100. The processor 200 of the MB server 100 determines whether the personal information received from the user terminal 101 matches the personal information 222 entered by the sales representative according to the mortgage system program 212 (three-point authentication). If the two do not match, the processor 200 requests the user terminal 101 to re-enter the information.

[0050] If the two match, in S510, the processor 200 requests the user terminal 101 to display various consent forms.

[0051] In S511, the processor 300 of the user terminal 101 executes processing such as agreement consent in accordance with the customer application 312.

[0052] FIG. 14 shows consent screens 1400, 1410, and 1420 that are displayed on the output device 303 in accordance with the customer application 312. The consent screen 1400 is a consent screen for the terms of use for the customer application 312. When the consent button 1401 is pressed, the processor 300 displays the consent screen 1410 on the output device 303. The consent screen 1410 is a consent screen for the consent form regarding the handling of personal information. When the consent button 1411 is pressed, the processor 300 displays the consent screen 1420 on the output device 303. The consent screen 1420 is a consent screen for the electromagnetic consent form. When the consent button 1421 is pressed, the processor 300 proceeds to S512.

[0053] In S512, the processor 300 sets a password in accordance with the customer application 312. That is, the initial password is updated to the password set by the user.

[0054] 15 shows a password setting screen 1500 and a preliminary screening application confirmation screen 1510 that are displayed on the output device 303 in accordance with the customer application 312. The processor 300 accepts a new password through the password setting screen 1500. When the Next button 1501 is pressed, the processor 300 sends the new password to the MB server 100. The processor 200 of the MB server 100 writes the new password into the authentication information 221.

[0055] In S513, the processor 300 displays the important matters explanation document on the output device 303.

[0056] In S514, the processor 300 executes application confirmation in accordance with the customer application 312. As shown in FIG. 15, an application confirmation screen 1510 is displayed on the output device 303. The application confirmation screen 1510 is a screen that accepts consent to the important matters explanation document and consent to the comprehensive (lump-sum) screening from the user. The user can apply for a preliminary screening by pressing an application confirmation button 1511.

[0057] At S515, the processor 300 displays an input screen for screening items for the pre-screening on the output device 303 in accordance with the customer application 312 and accepts input. Here, the number of screening items required is, for example, 50 items, which is about one-fourth of the number of screening items required for the main screening. Since the pre-screening is a screening to determine the mortgage products available to the user, the number of screening items is fewer than the number of screening items required for the main screening.

[0058] The processor 300 may include a confirmation request button on the input screen for the preliminary screening items to request a sales representative of the home builder to confirm the input contents. The confirmation request button may be a button or link labeled "Request confirmation from the home builder." When the confirmation request button is pressed via the input device 302, the processor 300 may proceed to S516. The confirmation request to the sales representative of the home builder may be sent to the sales representative of the home builder via the MB server 100 as an SMS message or email (S601 in FIG. 6). Generally, since a user only has one or two opportunities to purchase a home or land, some of the screening items may be unfamiliar to them. However, the sales representative of the home builder is not only familiar with the screening items but also knows the user's personal information, making it easy for them to determine whether the input contents of the screening items are correct. Furthermore, the sales representative of the home builder can also fill in any missing screening items. Therefore, providing the sales representative of the home builder with an opportunity to assist with input may provide the user with a sense of security.

[0059] In S516, the processor 300, in accordance with the customer application 312, sends the entered examination items (input contents) to the user application server program 213 of the MB server 100. The processor 200 of the MB server 100, in accordance with the user application server program 213, receives the examination items and writes them to the database 220 as examination items 223.

[0060] In S517, the processor 300 controls the camera, which is one of the input devices 302, in accordance with the customer application 312, to take a picture of a necessary document such as a copy of a driver's license and create the necessary document (image data).

[0061] In S518, the processor 300 transmits the necessary documents to the user application server program 213 of the MB server 100 in accordance with the customer application 312. The processor 200 of the MB server 100 receives the necessary documents and stores them in the database 220 in accordance with the user application server program 213.

[0062] As shown in Figure 6, in S601, the processor 200 of the MB server 100 obtains the sales representative's address (email address or mobile phone number) from the database 220 in accordance with the mortgage system program 212 or the user application server program 213, and sends a request for final confirmation of the application details.

[0063] In S602, the processor 400 of the HM terminal 102a launches the browser program 413, accesses the MB server 100, displays the application navigation screen on the output device 403, and has the sales representative determine whether the pre-screening screening items entered by the user are OK (no errors, no omissions).

[0064] FIG. 16 shows an application navigation screen 1600. The application navigation screen 1600 includes a field 1601 that displays the applicant's information, a field 1602 that displays the information of the joint debtor, and a menu. The menu includes a button 1603 that displays the screening items entered by the user and allows the user to correct the contents or enter missing information. When button 1603 is pressed, the processor 400 requests a check screen for the application contents (entered contents) from the MB server 100. The MB server 100 creates a check screen by referencing the database 220 and sends it to the HM terminal 102a. In response, the HM terminal 102a displays the check screen on the output device 403. The sales representative checks the application contents and makes corrections or additions as necessary.

[0065] FIG. 17 shows a required item confirmation screen 1700, one of multiple check screens. The personal information confirmation section 1701 is a confirmation screen for the applicant's name, gender, nationality, and other information required for preliminary screening. If any information is missing, the sales representative operates the HM terminal 102a to correct or add the information. The input save button 1702 is a button for sending the information entered on the confirmation screen 1700 to the MB server 100 and registering it in the database 220. The check button 1703 is a button for checking the screening items that are required for proposing available products (restaurant plans). When the check button 1703 is pressed, the processor 200 of the MB server 100, in accordance with the mortgage system program 212, determines whether the required items for the restaurant plan among the screening items entered by the user, etc., are complete and transmits the determination result to the HM terminal 102a. The determination result may include a message such as, "There are no problems with the input information. You can apply for the restaurant plan with this information."

[0066] Returning to the explanation of Figure 6, in S602, the processor 400 determines whether it has received a judgment result from the MB server 100 indicating that there are no problems with the input contents. If there are problems with the input contents, in S603 the processor 400 accepts corrections or additions to the input contents of the screening items. In S604, the processor 400 sends a request to the MB server 100 to save the corrections (save the inputs) together with the corrected input contents. The processor 200 of the MB server 100 registers the corrected input contents as screening items 223 in the database 220 in accordance with the Web server program 211 and the mortgage system program 212.

[0067] At this time, the processor 200 of the MB server 100 may transmit the corrected input content to the user terminal 101 and display it on the output device 303. This allows the user to know the correction content. Furthermore, the processor 200 of the MB server 100 may request the user's consent to the corrected input content. When the processor 200 of the MB server 100 receives a signal indicating consent to the corrected input content from the user terminal 101, it may register the corrected input content in the database 220 as a review item 223.

[0068] When the processor 400 receives from the MB server 100 a judgment result indicating that there is no problem with the input contents, it displays the application navigation screen 1600 on the output device 403 and waits for the application (examination request) button 1604 to be pressed.

[0069] In S605, the processor 400 of the HM terminal 102a transmits an examination application (final confirmation OK) to the MB server 100.

[0070] In S606, the processor 200 of the MB server 100 starts a preliminary screening (determination of available products) in accordance with the mortgage loan system program 212. Screening of products offered by mortgage banks is performed by the processor 200 of the MB server 100 in accordance with the mortgage loan system program 212. Meanwhile, for fixed-interest rate products offered by the Japan Housing Finance Agency, in S607 the processor 200 sends a screening request to the organization system 120 along with the input details of the screening items. The processor 200 may also perform a predetermined screening before sending the screening request along with the input details of the screening items to the organization system 120. The predetermined screening here may include, for example, a check of the repayment burden ratio, a check of the land type (reserved land, etc.), and approval by the representative executive officer (if the loan amount is large), depending on the type of product. The organization system 120 sends the screening results to the MB server 100. The processor 200 writes the examination results 225, which include the examination results for the interest rate variable products offered by the mortgage bank and the examination results received from the institution system 120, into the database 220. Note that the examination for the interest rate variable products offered by the mortgage bank is performed by the MB server 100, so the examination results can be obtained in a short time. Note that the processor 200 may determine, in accordance with the mortgage system program 212, whether or not the user belongs to an anti-social organization, and may determine the available products after the credit examination (investigation) by the designated credit information agency has been cleared.

[0071] In S608, the processor 300 of the user terminal 101a transmits a request for replying to the examination result to the MB server 100 in accordance with the customer application 312.

[0072] 18 shows the top screen 1800 of the customer application 312 that is displayed after user authentication. A progress display section 1801 shows the currently ongoing procedures for multiple mortgage procedures. A restaurant plan button 1802 is a button for instructing the display of the screening results (available products). When the restaurant plan button 1802 is pressed, a response request is sent to the MB server 100 in S608.

[0073] In S609, the processor 200 of the MB server 100 reads the examination result 225 from the database 220 in accordance with the user application server program 213, and transmits it to the user terminal 101.

[0074] In S610, the processor 300 of the user terminal 101 displays the examination results (available products) on the output device 303 in accordance with the customer application 312.

[0075] FIG. 19 shows a display screen 1900 for restaurant plans. The display screen 1900 may have a standard term tab 1901 and an ultra-long term tab 1910. The standard term tab 1901 includes a list of review results for products with repayment periods up to 40 years. For example, the standard term tab 1901 may include fixed-rate products with repayment periods of 10 to 35 years and variable-rate products with repayment periods of 10 to 40 years. The ultra-long term tab 1910 includes a list of review results for products with repayment periods longer than 40 years. For example, the ultra-long term tab 1910 may include fixed-rate products with repayment periods of 36 to 50 years and variable-rate products with repayment periods of 41 to 50 years. Product information 1902-1904 includes information on each product determined to be available. While three pieces of product information 1902-1904 are shown here, the actual number of pieces of product information may be fewer or greater. Furthermore, the normal period tab 1901 and the extra long period tab 1910 may display information about products for which review has been completed, and may not display information about products for which review has not been completed. Alternatively, information about products for which review has been completed may be displayed at the top, and information about products for which review has not been completed may be displayed at the bottom. Information about products for which review has been completed may be marked as reviewed, and information about products for which review has not been completed may be marked as under review. As described above, information about products for which review has not been completed may not be displayed.

[0076] If there are many products, the information of the product to be viewed can be changed using the scroll function. Furthermore, among the products for which screening has been completed, products that are considered to be advantageous to the user may be displayed at the top. For example, the MB server 100 may calculate evaluation points for the initial interest rate, initial repayment amount, total repayment amount, fees, loan period, etc. of each product, and list the products in descending order of total evaluation point. For example, the lower the monthly repayment amount, the higher the evaluation point and the higher the product may be displayed. Furthermore, the lower the total repayment amount, the higher the evaluation point and the higher the product may be displayed. Furthermore, variable interest rate products may be displayed at the bottom by giving them a relatively low evaluation point.

[0077] 20 shows product introduction information 2002 to 2004 in the ultra-long term tab 1910. It can be seen that the repayment periods of the products displayed in the ultra-long term tab 1910 are much longer than those in the normal term tab 1901.

[0078] FIG. 21 shows a user interface 2100 indicating that the screening results for all products have been finalized. While the screening results for products screened within the mortgage bank are available immediately, the screening results for products screened by the institution system 120 are often available later. Therefore, when a request for a response to the screening results is sent, there may be products for which the screening has not yet been completed. Therefore, products for which the screening has been completed may be displayed at the top. In other words, the screening results displayed on the display screen 1900 will change over time (i.e., each time the MB server 100 is accessed).

[0079] 6, in S611, the request for the examination result may be transmitted from the HM terminals 102a and 102b. That is, the request may be made from the Web browser program 413 or may be provided from the HM application 412.

[0080] In S612, the processor 200 of the MB server 100 reads the examination result 225 from the database 220 in accordance with the user application server program 213 or the Web server program 211, and transmits it to the HM terminals 102a and 102b.

[0081] In S613, the processor 400 of the HM terminal 102a, 102b displays the examination results (available products) on the output device 403 in accordance with the Web browser program 413 or the HM application 412.

[0082] In S614, the processor 400 of the HM terminal 102a, 102b confirms the product in accordance with the selection instruction input from the input device 402. The salesperson contacts the user by email, telephone call, or dialogue, confirms the final product, and inputs the confirmed product from the input device 402.

[0083] In S615, the processor 400 of the HM terminal 102a, 102b transmits a request for the actual examination to the MB server 100. As a result, the MB server 100 performs the actual examination of the product. Between S614 and S615, the examination items (approximately 200 items) for the actual examination are input and transmitted to the MB server 100.

[0084] 22 shows the top screen 2200 of the HM application 412. When a sales representative enters the ID and password assigned to him / her and is successfully authenticated by the MB server 100, the top screen 2200 is displayed on the output device 403. Box 2201 is a box that displays the business name of the house builder. Box 2201 may also display the name of the sales representative. Button 2202 is a button for displaying a list of applications that the sales representative is in charge of.

[0085] 23 shows an application list screen 2300 to which the user transitions from the top screen 2200 of the HM application 412. The application list screen 2300 includes a list of applications. The application to be operated on is selected by checking the check box of any application information 2301 and then touching the application information. Note that the check box may be omitted, in which case the application to be operated on is selected by touching any row (application information 2302) in the list.

[0086] FIG. 24 shows a menu screen 2400 of the HM application 412 that is displayed when application information 2301 is touched. Touch area 2401 is an area for instructing transition to a restaurant plan display screen. Touch area 2402 is an area for instructing activation of a camera that is part of the input device 402 in order to photograph and transmit the required documents. Touch area 2403 is an area for instructing input of application information. In particular, when touch area 2401 is touched, the HM application 412 displays the screening results shown in FIGS. 19 to 21 on the output device 403. In other words, the restaurant plan display screen may be substantially the same for the HM application 412 and the customer application 312.

[0087] This embodiment assumes a case where the user and the sales representative cannot meet in person. Therefore, the user and the sales representative must communicate via telephone, chat app, or the like. In this case, the user converses while looking at the user terminal 101, and the sales representative converses while looking at the HM terminals 102a and 102b. In particular, the UI of the HM application 412 running on the HM terminal 102b is almost identical to the UI of the customer application 312 running on the user terminal 101, so the user and the sales representative can converse while sharing the same restaurant plan display screen. This will make it easier for the sales representative to understand the user's intentions more accurately and provide more accurate advice to the user.

[0088] <Summary> [Point 1] As shown in Figure 1, a computer system is provided that includes a first application program (e.g., customer application 312) executed on a terminal device (e.g., user terminal 101) of a user who wishes to apply for a mortgage, a second application program (e.g., browser program 413, HM application 412) executed on a terminal device (e.g., HM terminal 102) of a mortgage introduction company, and a server (e.g., MB server 100) that can communicate with the user's terminal device and the terminal device of the mortgage introduction company. Note that the introduction company includes introducers such as employees (sales representatives) of the introduction company.

[0089] The first application program is installed on the user's terminal device. Accepting input of screening items required for screening the mortgage loan (e.g., approximately 50 screening items for determining available products) through a user interface of the first application program (e.g., S515); The received input details of the examination items are transmitted to the server (e.g., S516).

[0090] The server The input contents of the screening items are transmitted to the terminal device of the mortgage introduction company (e.g., S601), The input contents of the screening items that have been corrected or supplemented in the terminal device of the mortgage introduction company are received from the terminal device of the mortgage introduction company (e.g., S604); A list including introduction information for multiple mortgage products that have been determined to be eligible for financing for the user based on the review results for the multiple mortgage products based on the input contents of the revised or supplemented review items is sent to the user's terminal device (e.g., S609).

[0091] The first application program further includes: A list including information introducing a plurality of mortgage products that have been determined to be available for financing to the user is displayed through the user interface of the first application program (eg, S610).

[0092] According to this embodiment, it is possible to reduce the burden on the user of selecting and applying for a mortgage. In particular, the user can apply for a comprehensive screening for multiple products at once without having to select a mortgage product in advance. Furthermore, if there are any errors or omissions in the information entered by the user for the screening items, the introducing company, such as a sales representative of a home builder, can correct or add to the information. This significantly reduces the burden on the user of applying. Furthermore, since the user can apply from a user terminal 101 such as a smartphone or tablet, there is no need to meet in person with a representative of the introducing company. This helps prevent the spread of infectious diseases. Furthermore, since the user can view available products on the user terminal 101, there is also no need to meet in person with a representative of the introducing company.

[0093] [Point 2] The second application program is installed on a terminal device of the mortgage introduction company. Accepting a selection of one of the multiple mortgage products determined to be available to the user (e.g., S614); The accepted order for one product is sent to the server (e.g., S615). 2. The computer system according to claim 1,

[0094] The sales representative can consult with the user to select the final product and then apply for the mortgage loan, thereby reducing the burden on the user in the application process.

[0095] [Point 3] The server A computer system according to aspect 1 or 2, characterized in that it sends an application for review of multiple mortgage products based on the input contents of the revised or supplemented review items, the application for review of mortgage products for which the work has been outsourced by the Japan Housing Finance Agency to a Japan Housing Finance Agency system (e.g., Agency system 120), and receives review results for each of the multiple mortgage products from the Japan Housing Finance Agency system (e.g., S607).

[0096] In this way, the candidate products may include housing loan products whose operations are outsourced to mortgage banks by the Japan Housing Finance Agency.

[0097] [Point 4] A computer system according to any one of aspects 1 to 3, wherein the terminal device of the mortgage introduction company is a terminal device of a home builder.

[0098] Users discuss building or purchasing a home with a home builder's sales representative, and can also consult with this sales representative about selecting a mortgage product. This significantly reduces the effort and time required compared to when users personally visit a bank or other institution for consultation. Furthermore, home builder sales representatives obtain various personal information from users when building or purchasing a home, and are in a position to easily assist (correct or supplement) the user in entering information on the screening items. Therefore, a home builder sales representative could significantly reduce the burden on users when selecting and applying for a mortgage product.

[0099] [Point 5] A computer system described in any one of aspects 1 to 4, wherein the first application program displays, on the user's terminal device through the user interface of the first application program (e.g., S610), information introducing multiple mortgage products that have been determined to be available for financing to the user, the information introducing the multiple mortgage products being arranged in order of most favorable interest rate conditions.

[0100] This will make it easier for users who are paying attention to interest rate conditions to select their preferred product. Note that fixed interest rate products may be displayed first (at the top), and variable interest rate products may be displayed later (at the bottom). For example, products with lower monthly repayment amounts may be displayed as a top group. Furthermore, within the top group, products with lower monthly repayment amounts are displayed higher. Also, products with lower total repayment amounts may be displayed in a middle group. Within the middle group, products with lower total repayment amounts are displayed higher. Also, variable interest rate products may be displayed as a lower group. Within the lower group, products with lower interest rates may be displayed higher.

[0101] [Point 6] A computer system described in any one of aspects 1 to 5, wherein the first application program displays, on the user's terminal device, product introduction information for multiple home loans that have been determined to be available for financing to the user from among the multiple home loans, through the user interface of the first application program (e.g., S610).

[0102] As already explained, not all product screenings are performed within the mortgage bank, and screenings for some products may be performed outside the mortgage bank. Therefore, the timing at which screenings are completed varies for each product, and products for which screenings have been completed, such as products determined to be eligible for financing, are displayed. Products for which screenings have not yet been completed may also be displayed. In this case, by displaying products for which screenings have been completed separately from products for which screenings have not yet been completed, the user will be able to easily grasp the progress of the screenings for each product. It is to be noted that only products determined to be eligible for financing may be displayed as products for which screenings have been completed, or products determined to be eligible for financing may be displayed separately from products determined to be uneligible for financing.

[0103] [Point 7] A computer system according to any one of aspects 1 to 6, wherein the introduction information includes the number of years available for borrowing, the initial interest rate, the initial repayment amount, the total repayment amount, and fees, as illustrated in FIG. 19, etc.

[0104] In this way, information about home loans that is of particular interest to the user is displayed, allowing the user to make a selection while comparing various products.

[0105] [Point 8] As illustrated in Figure 19, the user interface of the first application program has a first tab and a second tab, the first tab containing information introducing mortgage products with relatively short repayment periods, and the second tab containing information introducing mortgage products with relatively long repayment periods. A computer system described in any of aspects 1 to 7.

[0106] It is difficult to view many products at once on a user terminal 101 such as a smartphone. On the other hand, repayment periods are becoming more diverse than ever before. Therefore, available products may be displayed in tabs for each repayment period. This allows the user to easily view products categorized by repayment period by switching tabs.

[0107] [Point 9] A computer system described in any one of aspects 1 to 8, wherein the server performs screening for multiple mortgage products based on the input contents of the revised or supplemented screening items, and screening for variable interest rate mortgage products is performed within the server.

[0108] In this way, for variable interest rate mortgage products such as those offered by mortgage banks, the screening is carried out within the server, making it possible to provide the screening results to the user quickly.

[0109] [Point 10] A computer system according to any one of aspects 1 to 9, wherein the user's personal information sent from the terminal device of the mortgage introduction company to the server includes the user's name, date of birth, and mobile phone number.

[0110] In this way, when issuing user authentication information, the minimum necessary personal information may be transmitted from the terminal device of the mortgage introduction company to the server, which will further reduce the burden on the user.

[0111] [Point 11] The plurality of mortgage products include mortgage products screened by a first screening institution (e.g., a mortgage bank) and mortgage products screened by a second screening institution (e.g., the Japan Housing Finance Agency), A computer system described in any one of aspects 1 to 10, wherein the server transmits introduction information for mortgage products that have been determined to be eligible for financing by the first screening agency and introduction information for mortgage products that have been determined to be eligible for financing by the second screening agency together to one or both of the user's terminal device and the mortgage introduction company's terminal device.

[0112] As shown in Figures 19 to 21, the review results for multiple products reviewed by different review agencies may be notified to the user or the introducing company in a lump sum. Conventionally, the user had to select products in advance and submit individual review applications to the review agencies that offer those products, which was extremely inconvenient. In this embodiment, even in such cases, not only can users apply for reviews in a lump sum, but the review results can also be viewed in a lump sum. This will significantly improve user convenience compared to the past.

[0113] [Point 12] The server The user's personal information is received from the terminal device of the mortgage introduction company and stored in a storage means (e.g., database 220) (e.g., S501); issuing authentication information for the user to use a first application program related to the mortgage application on the user's terminal device (e.g., S502); and transmitting the authentication information to the terminal device of the mortgage introduction company or the user's terminal device (e.g., S503); After the user authentication is successful by the first application program executed on the user's terminal device, the personal information of the user input through the user interface of the first application program is received (e.g., S509); A computer system described in any one of aspects 1 to 11, wherein after the server authenticates that the user's personal information is correct, the input contents of the screening items required for the mortgage screening, which are entered through the user interface of the first application program, are received from the user's terminal device (e.g., S516).

[0114] In this way, the personal information for issuing authentication information is entered by the introducing company, not the user. Therefore, when a user logs in using the authentication information, the personal information of the user provided in advance by the introducing company may be compared with the personal information provided by the user himself. This will not only reduce input errors in personal information, but will also realize more advanced authentication processing.

[0115] [Point 13] The server A computer system according to any one of aspects 1 to 12, wherein after issuing authentication information for using the first application program on the user's terminal device, instructions for downloading the first application program are sent to the user's terminal device via short message service, addressed to a telephone number identified from the user's personal information (e.g., S504).

[0116] This allows the user to easily understand the program to be downloaded.

[0117] [Point 14] The computer system described in aspect 13, wherein the server sends the authentication information for the user to use the first application program on the user's terminal device, along with instructions for downloading the first application program, to the user's terminal device via short message service, addressed to a telephone number identified from the personal information.

[0118] By providing authentication information to users via short message service, it is possible to provide authentication information to users more safely and at lower cost.

[0119] [Point 15] The first application program is installed on the user's terminal device. The user agrees to the agreement regarding the use of the first application program (e.g., S511); The user agrees to the consent form regarding the handling of the user's personal information; User's acceptance of said User's Electronic Transaction Agreement; and Accepting consent to a consent form regarding application screening for the multiple mortgage products (e.g., S511); Accept user confirmation of the important matters explanation (e.g., S513, S514), 15. A computer system according to any one of aspects 1 to 14.

[0120] In this way, the user can consent to various documents through the user terminal 101.

[0121] [Point 16] As illustrated in FIG. 17, the terminal device of the mortgage introduction company supplements the input contents of the screening items with the user's gender and / or nationality.

[0122] Since the introducing company knows the user's gender and nationality, it can fill in this information on behalf of the user.

[0123] [Point 17] An application program executed on a terminal device of a user who wishes to apply for a housing loan, the application program including: Accepting input of the examination items required for the mortgage loan examination through the user interface of the application program (e.g., S515); The input details of the accepted examination items are sent to the server (e.g., S516), The input contents of the screening items are transmitted from the server to a terminal device of the mortgage introduction company, the input contents of the screening items that have been corrected or supplemented are received at the terminal device of the mortgage introduction company, and introduction information of multiple mortgage products that have been determined to be eligible for financing to the user based on the screening results for the multiple mortgage products based on the input contents of the screening items that have been corrected or supplemented is received from the server (e.g., S609); An application program that displays, via a user interface of the application program, a list of introduction information for a plurality of mortgage products that have been determined to be available for financing to the user (e.g., S610).

[0124] This reduces the burden on the user in selecting and applying for a mortgage. In particular, the user can apply for a comprehensive screening for multiple products at once without having to select a mortgage product in advance. Furthermore, if there are any errors or omissions in the information entered by the user for the screening items, the introducing company, such as a sales representative of a home builder, can correct or fill in the information. This significantly reduces the burden on the user in applying. Furthermore, since the user can apply from a user terminal 101 such as a smartphone or tablet, there is no need to meet in person with a representative of the introducing company. This helps prevent the spread of infectious diseases. Furthermore, since the user can view available products on the user terminal 101, there is also no need to meet in person with a representative of the introducing company.

[0125] [Point 18] The application program Accepting the user's authentication information through a user interface of the application program (e.g., S507); Execute user authentication based on the received authentication information (e.g., S507), After the user authentication is successful, the user's personal information is accepted through the user interface of the application program (e.g., S508); The received personal information of the user is transmitted to a server that can communicate with the terminal device of the mortgage introduction company (e.g., S509); An application program as described in aspect 17, which, after the server has authenticated the user's personal information as correct, accepts input of the screening items required for the mortgage screening through the user interface of the application program (e.g., S515).

[0126] In this way, the personal information for issuing authentication information is entered by the introducing company, not the user. Therefore, when a user logs in using the authentication information, the personal information of the user provided in advance by the introducing company may be compared with the personal information provided by the user himself / herself. This not only reduces input errors in personal information but also realizes more advanced authentication processing. Then, once authentication using the authentication information and personal information is completed, it becomes possible to enter the screening items.

[0127] [Point 19] The application program described in aspect 17 or 18, wherein the application program causes the user's terminal device to display, via the user interface of the application program, a list of introduction information for multiple mortgage products that have been determined to be eligible for financing for the user, the introduction information for the multiple mortgage products being arranged in order of most favorable interest rate conditions.

[0128] This will make it easier for users who are paying attention to interest rate conditions to select the product they prefer.

[0129] [Point of View 20] An application program described in any one of aspects 17 to 19, wherein the application program displays, on the user's terminal device through the user interface, product introduction information for multiple home loans that have been determined to be available to the user from among the multiple home loans.

[0130] As already explained, not all product screenings are performed within the mortgage bank, and some product screenings may be performed outside the mortgage bank. Therefore, the timing at which screenings are completed varies for each product, and products for which screenings have been completed, such as products that have been determined to be eligible for financing, are displayed. Note that products for which screenings have not yet been completed may also be displayed. In this case, by displaying products for which screenings have been completed separately from products for which screenings have not yet been completed, the user will be able to easily grasp the progress of the screenings for each product.

[0131] [Point of View 21] 21. The application program according to any one of aspects 17 to 20, wherein the introduction information includes the number of years available for borrowing, the initial interest rate, the initial repayment amount, the total repayment amount, and a fee.

[0132] In this way, information about home loans that is of particular interest to the user is displayed, allowing the user to make a selection while comparing various products.

[0133] [Point of View 22] An application program described in any one of aspects 17 to 21, wherein the user interface of the application program has a first tab and a second tab, the first tab containing information introducing home loan products with relatively short repayment periods, and the second tab containing information introducing home loan products with relatively long repayment periods.

[0134] It is difficult to view many products at once on a user terminal 101 such as a smartphone. On the other hand, repayment periods are becoming more diverse than ever before. Therefore, available products may be displayed in tabs for each repayment period. This allows the user to easily view products categorized by repayment period by switching tabs.

[0135] [Point of View 23] The application program is installed on the user's terminal device. the user's acceptance of the agreement regarding the use of said application program; The user agrees to the consent form regarding the handling of the user's personal information; User's acceptance of said User's Electronic Transaction Agreement; and Accepting consent to a consent form regarding application screening for the plurality of mortgage products; 23. The application program according to any one of aspects 17 to 22, which accepts user confirmation of the important matters explanation.

[0136] In this way, the user can consent to various documents through the user terminal 101.

[0137] [Point of View 24] The application program is installed on the user's terminal device. The server transmits a request to the terminal device of the mortgage introduction company to request correction or addition of the input contents of the accepted screening items; An application program described in any one of Aspects 17 to 23, wherein the server requests the terminal device of the mortgage introduction company to correct or supplement the input content of the accepted screening items in response to the request.

[0138] In this way, according to this embodiment, the user can request the mortgage introduction company to check (add or correct) the input details of the screening items required to determine the available products, which will significantly reduce the input burden on the user.

[0139] [Point of View 25] The application program is installed on the user's terminal device. receiving from the server the input contents of the screening items that have been corrected or supplemented at the terminal device of the mortgage introduction company; An application program according to any one of Aspects 17 to 24, which displays the input contents of the screening items that have been corrected or supplemented on a terminal device of the mortgage introduction company.

[0140] As described above, according to this embodiment, the user can know the input contents of the screening items required to determine available products, which have been modified or supplemented by the mortgage introduction company. This will result in more accurate input contents of the screening items required to determine available products. Furthermore, the determination of available products will be more accurate.

[0141] [Point of View 26] A server capable of communicating with a terminal device of a user who wishes to apply for a mortgage and also capable of communicating with a terminal device of the mortgage introduction company, receiving from the user's terminal device input contents of examination items required for the examination of the mortgage loan, which are input through a user interface of a first application program executed on the user's terminal device; The input contents of the screening items are transmitted to a terminal device of the mortgage introduction company, The application for examination is received together with the input contents of the examination items that have been corrected or supplemented at the terminal device of the mortgage introduction company, A server that sends to the user's terminal device a list including introduction information for multiple mortgage products that have been determined to be eligible for financing to the user based on the review results for multiple mortgage products based on the input content of the revised or supplemented review items associated with the review application.

[0142] According to this embodiment, it is possible to reduce the burden on the user of selecting and applying for a mortgage. In particular, the user can apply for a comprehensive screening for multiple products at once without having to select a mortgage product in advance. Furthermore, if there are any errors or omissions in the information entered by the user for the screening items, the introducing company, such as a sales representative of a home builder, can correct or add to the information. This significantly reduces the burden on the user of applying. Furthermore, since the user can apply from a user terminal 101 such as a smartphone or tablet, there is no need to meet in person with a representative of the introducing company. This helps prevent the spread of infectious diseases. Furthermore, since the user can view available products on the user terminal 101, there is also no need to meet in person with a representative of the introducing company.

[0143] [Point of View 27] receiving personal information of the user from the terminal device of the mortgage introduction company and storing the information in a storage means; issuing authentication information for the user to use a first application program related to the application for the mortgage loan on the user's terminal device, and transmitting the authentication information to the terminal device of the mortgage loan introducing company or the user's terminal device; After the user authentication is successfully completed by the first application program executed on the user's terminal device, personal information of the user is received through a user interface of the first application program; A server as described in aspect 26, which receives input details of the screening items required for the mortgage screening, entered through the user interface of the first application program, from the user's terminal device after the user's personal information has been authenticated as correct by the server.

[0144] In this way, the personal information for issuing authentication information is entered by the introducing company, not the user. Therefore, when a user logs in using the authentication information, the personal information of the user provided in advance by the introducing company may be compared with the personal information provided by the user himself. This will not only reduce input errors in personal information, but will also realize more advanced authentication processing.

[0145] The invention is not limited to the above-described embodiment, and various modifications and variations are possible within the scope of the gist of the invention. [Explanation of symbols]

[0146] 100: MB server, 101: user terminal, 102: HM terminal

Claims

1. A computer system including a first application program executed on a terminal device of a user who wishes to apply for a mortgage, a second application program executed on a terminal device of the mortgage introduction company, and a server capable of communicating with the user's terminal device and the mortgage introduction company's terminal device, The first application program is installed on the user's terminal device. Accepting input of examination items required for the mortgage loan examination through a user interface of the first application program; Sending the received input details of the examination items to the server; The server Sending the input details of the screening items and a request for correction or supplementation of the input details to the terminal device of the mortgage introduction company; receiving, from the terminal device of the mortgage introduction company, the input contents of the screening items that have been corrected or supplemented in the terminal device of the mortgage introduction company; transmit to the user's terminal device a list including introduction information for a plurality of mortgage products that have been determined to be eligible for financing based on the results of the examination of the plurality of mortgage products based on the input contents of the examination items that have been corrected or supplemented; The first application program is installed on the user's terminal device. displaying, via a user interface of the first application program, a list including introduction information of a plurality of mortgage products that have been determined to be available for financing to the user; The server is a computer system that performs screening for multiple mortgage products based on the input contents of the revised or supplemented screening items, and performs screening for variable interest rate mortgage products within the server.

2. The second application program is installed on a terminal device of the mortgage introduction company. Accepting a selection of one of a plurality of mortgage products determined to be available to the user; The accepted application for one product is transmitted to the server.

2. The computer system of claim 1.

3. The server The computer system described in claim 1, characterized in that it sends an application for review for multiple mortgage products based on the input contents of the revised or supplemented review items, the application for review for mortgage products for which the work has been outsourced by the Japan Housing Finance Agency to the Japan Housing Finance Agency system, and receives the review results for each of the multiple mortgage products from the Japan Housing Finance Agency system.

4. 2. The computer system according to claim 1, wherein the terminal device of the mortgage introduction company is a terminal device of a home builder.

5. The computer system of claim 1, wherein the first application program causes the user's terminal device to display, through a user interface of the first application program, information introducing a plurality of mortgage products that have been determined to be eligible for financing for the user, the information introducing the plurality of mortgage products being arranged in order of most favorable interest rate conditions.

6. The computer system according to claim 1, wherein the first application program causes the user's terminal device to display, through a user interface of the first application program, product introduction information for a plurality of home loans that have been determined to be available for financing to the user.

7. The computer system of claim 1 , wherein the introductory information includes the number of years available for borrowing, the initial interest rate, the initial repayment amount, the total repayment amount, and a fee.

8. 2. The computer system of claim 1, wherein the user interface of the first application program has a first tab and a second tab, the first tab containing information introducing mortgage products with relatively short repayment periods, and the second tab containing information introducing mortgage products with relatively long repayment periods.

9. 2. The computer system according to claim 1, wherein the personal information of the user transmitted from the terminal device of the mortgage introduction company to the server includes the name, date of birth, and mobile phone number of the user.

10. the plurality of mortgage products include mortgage products reviewed by a first review institution and mortgage products reviewed by a second review institution; The computer system described in claim 1, wherein the server transmits introduction information for mortgage products determined to be eligible for financing by the first screening agency and introduction information for mortgage products determined to be eligible for financing by the second screening agency together to one or both of the user's terminal device and the mortgage introduction company's terminal device.

11. The server receiving personal information of the user from the terminal device of the mortgage introduction company and storing the information in a storage means; issuing authentication information for the user to use a first application program related to the mortgage application on the user's terminal device, and transmitting the authentication information to the terminal device of the mortgage introduction company or the user's terminal device; After the user authentication is successfully completed by the first application program executed on the user's terminal device, personal information of the user is received through a user interface of the first application program; The computer system of claim 1, wherein after the server authenticates that the user's personal information is correct, the input contents of the screening items required for the mortgage screening, which are entered through the user interface of the first application program, are received from the user's terminal device.

12. The server 12. The computer system according to claim 11, wherein after issuing authentication information for using the first application program on the user's terminal device, a guide to downloading the first application program is sent to the user's terminal device via short message service, addressed to a telephone number identified from the user's personal information.

13. 13. The computer system according to claim 12, wherein the server transmits the authentication information for the user to use the first application program on the user's terminal device, along with instructions for downloading the first application program, to the user's terminal device via short message service, addressed to a telephone number identified from the personal information.

14. The first application program is installed on the user's terminal device. the user agreeing to the agreement regarding the use of the first application program; The user agrees to the consent form regarding the handling of the user's personal information; User's acceptance of said User's Electronic Transaction Agreement; and Accepting consent to a consent form regarding application screening for the plurality of mortgage products; Accepting user confirmation of the important matters explanation, 10. The computer system of claim 1.

15. 2. The computer system according to claim 1, wherein the terminal device of the mortgage introduction company supplements the gender and nationality of the user as input contents of the screening items.

16. An application program executed on a terminal device of a user who wishes to apply for a mortgage, the application program including: Accepting input of examination items required for the mortgage loan examination through a user interface of the application program; Sending the received input details of the examination items to a server; The server sends the input details of the screening items and a request to correct or supplement the input details to the terminal device of the mortgage introduction company, the input details of the screening items corrected or supplemented at the terminal device of the mortgage introduction company are received by the server, and screening results for multiple mortgage products based on the input details of the screening items corrected or supplemented, whereby screening for variable interest rate mortgage products among the screening for the multiple mortgage products is carried out within the server, and introduction information for multiple mortgage products that has been determined to be eligible for financing to the user based on the screening results is received from the server; An application program that displays, via a user interface of the application program, a list of introduction information for a plurality of mortgage products that have been determined to be available for financing to the user.

17. The application program Accepting authentication information of the user through a user interface of the application program; performing user authentication based on the received authentication information; After the user authentication is successful, accept personal information of the user through a user interface of the application program; The received personal information of the user is transmitted to a server that can communicate with a terminal device of the mortgage introduction company; 17. The application program of claim 16, wherein after the server authenticates the user's personal information as correct, the application program accepts input of the screening items required for the mortgage screening through a user interface of the application program.

18. The application program of claim 16, wherein the application program causes the user's terminal device to display, through a user interface of the application program, a list of introduction information for a plurality of mortgage products that have been determined to be eligible for financing for the user, the introduction information for the plurality of mortgage products being arranged in order of most favorable interest rate conditions.

19. The application program according to claim 16, wherein the application program causes the user's terminal device to display, through a user interface of the application program, product introduction information for a plurality of home loans determined to be available for financing to the user from among the plurality of home loans.

20. The application program according to claim 16, wherein the introduction information includes the number of years for which the loan can be made, an initial interest rate, an initial repayment amount, a total repayment amount, and a fee.

21. 17. The application program of claim 16, wherein the user interface of the application program has a first tab and a second tab, the first tab including information introducing mortgage products with relatively short repayment periods, and the second tab including information introducing mortgage products with relatively long repayment periods.

22. The application program is installed on the user's terminal device. the user's acceptance of the agreement regarding the use of said application program; The user agrees to the consent form regarding the handling of the user's personal information; User's acceptance of said User's Electronic Transaction Agreement; and Accepting consent to a consent form regarding application screening for the plurality of mortgage products; 17. The application program according to claim 16, further comprising: receiving confirmation from the user regarding the important matters explanation.

23. The application program is installed on the user's terminal device. The server transmits a request to the terminal device of the mortgage introduction company to request correction or addition of the input contents of the accepted screening items; 17. The application program according to claim 16, wherein the server requests the terminal device of the mortgage introduction company to correct or supplement the input contents of the accepted screening items in response to the request.

24. The application program is installed on the user's terminal device. receiving from the server the input contents of the screening items that have been corrected or supplemented at the terminal device of the mortgage introduction company; 17. The application program according to claim 16, which displays the input contents of the screening items that have been corrected or supplemented on a terminal device of the mortgage introduction company.

25. A server capable of communicating with a terminal device of a user who wishes to apply for a mortgage and also capable of communicating with a terminal device of the mortgage introduction company, receiving from the user's terminal device input contents of examination items required for the mortgage loan examination, which are input through a user interface of a first application program executed on the user's terminal device; Sending the input details of the screening items and a request for correction or supplementation of the input details to the terminal device of the mortgage introduction company; The application for examination is received together with the input contents of the examination items that have been corrected or supplemented at the terminal device of the mortgage introduction company, and transmitting to the user's terminal device a list including information introducing a plurality of mortgage products that have been determined to be available for financing to the user based on the results of the examination of the plurality of mortgage products based on the input contents of the modified or supplemented examination items associated with the examination application, The server performs screening for multiple mortgage products based on the input contents of the revised or supplemented screening items, and performs screening for variable interest rate mortgage products within the server.

26. receiving personal information of the user from the terminal device of the mortgage introduction company and storing the information in a storage means; issuing authentication information for the user to use a first application program related to the mortgage application on the user's terminal device, and transmitting the authentication information to the terminal device of the mortgage introduction company or the user's terminal device; After the user authentication is successfully completed by the first application program executed on the user's terminal device, personal information of the user is received through a user interface of the first application program; A server as described in claim 25, which receives input contents of the screening items required for the mortgage screening entered through the user interface of the first application program from the user's terminal device after the user's personal information is authenticated as correct by the server.

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