Financial institution account information management device, financial institution account information management device control method, and financial institution account information management device control program

Abstract

To provide a financial institution account information management device and the like that confirm whether or not leakage has occurred in a financial institution account or the like declared by a person who desires a loan or a person subjected to credit investigation.SOLUTION: A financial institution account information management device 10 includes: a declared financial institution account information storage part 15 for storing declared financial institution account information that is financial institution account information on financial institutions declared by an object person who is a target of loans or credit investigation; the same name financial institution account information determination part 16 for determining whether or not the same name financial institution account information exists that is another financial institution account information of the same name as the object person, in remittance source information or remittance destination information of the declared financial institution account information; and an inclusion information determination part 20 for determining whether or not the declared financial institution account information contains the same name financial institution account information. When the declared financial institution account information does not contain the same name financial institution account information, the same name financial institution account information is displayed in a display part 13 as non-declared financial institution account information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a financial institution account information management device that manages financial institution account information related to credit investigations, loans, etc., a control method for a financial institution account information management device, and a control program for a financial institution account information management device. [Background technology]

[0002] Conventionally, those who wish to apply for loans from financial institutions or those who are subject to credit checks have had to submit a large number of documents to financial institutions for loan screening, which is a cumbersome process. Therefore, in order to avoid the problem of loan applicants having to submit many documents for screening, a configuration has been proposed that estimates the need for business funds, etc. based on the applicant's financial institution account information, and automatically determines whether the loan, etc. is possible (for example, Patent Document 1, etc.). Even in this case, so-called credit decisions regarding loans, etc. are made based on the financial institution account information of the person applying for the loan, etc., so a reliable credit decision cannot be made unless the person seeking a loan, etc., declares all of their financial institution accounts, etc. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6619529 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in reality, those who apply for loans or those undergoing credit investigations often do not declare financial institution accounts that show unfavorable financial conditions for them, which makes it difficult to make accurate credit decisions.

[0005] Therefore, the present invention aims to provide a financial institution account information management device, a control method for a financial institution account information management device, and a control program for a financial institution account information management device that checks whether there are any omissions in the financial institution accounts, etc. declared by those seeking loans or those undergoing credit investigations, etc.

[0006] In the present invention, the above object is achieved by a financial institution account information management device which comprises a reporting financial institution account information storage unit which stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least the subject of either a loan or credit investigation; a same-name financial institution account information determination unit which determines whether at least one of the remittance source information or remittance destination information of the reporting financial institution account information contains same-name financial institution account information, which is other financial institution account information in the same name as the subject; and an inclusion information determination unit which determines whether the same-name financial institution account information is included in the reporting financial institution account information, and which is configured so that when the same-name financial institution account information is not included in the reporting financial institution account information, the same-name financial institution account information is displayed on a display unit as non-reported financial institution account information.

[0007] According to the above configuration, the reporting financial institution account information (e.g., Bank B1 account, etc.) has a same-name financial institution account information judgment unit that determines whether at least one of the remittance source information (e.g., remittance destination, transferee, etc.) or remittance destination information (e.g., remittance recipient, transfer originator, etc.) contains same-name financial institution account information, which is account information of another financial institution under the same name as the subject person (e.g., Company A, etc.). Therefore, if the reported financial institution account information includes, for example, an incoming transfer from the same name as the loan applicant, the same-name financial institution account information judgment unit will determine that the same-name financial institution account is likely to be the target person's account.

[0008] Furthermore, according to the above configuration, the device has an inclusion information determination unit that determines whether the same-name financial institution account information is included in the reported financial institution account information. Therefore, the inclusion information determination unit determines whether the above-mentioned financial institution account under the same name is already included in the reported financial institution accounts declared by the subject person.

[0009] Furthermore, according to the above configuration, when the same-name financial institution account information is not included in the reported financial institution account information, the same-name financial institution account information is displayed on the display unit as non-reported financial institution account information. Therefore, if the financial institution account information under the same name is not included in the declared financial institution account information declared by the loan applicant, the account is determined to be undeclared financial institution account information for the subject person and is displayed on the display unit. In this way, according to the present invention, it is possible to check whether the financial institution account information declared by the subject person is complete.

[0010] Preferably, the financial institution account information management device is characterized in that it acquires at least either financial institution information or financial institution account information of the subject other than the reported financial institution account information based on at least either public or private information about the subject, and displays it on the display unit.

[0011] According to the above configuration, it is possible to obtain at least the undeclared financial institution information or financial institution account information of the target person based on at least either public information (e.g., the website of an organization to which the loan applicant belongs) or private information (e.g., information from a research agency on a company profile) about the target person.

[0012] Preferably, the financial institution account information management device is characterized in that only when the inclusion information determination unit determines that the non-reported financial institution account information is not included, based on at least either the public or private information, it obtains at least either the financial institution information or the financial institution account information of the subject other than the reported financial institution account information and displays it on the display unit.

[0013] According to the above configuration, only when the inclusion information determination unit determines that the information does not include undeclared financial institution account information, the unit obtains the loan applicant's undeclared financial institution information and financial institution account information based on at least either public or private information. Generally, when undeclared account information is obtained from public or private information, the reliability of the information is low, and there is a strong desire to be cautious when presenting the results to loan applicants.

[0014] On the other hand, if it is not possible to obtain undeclared account information from the subject's reported financial institution account information, there is a strong demand to obtain some kind of account information. Therefore, in this invention, the inclusion information determination unit is configured to meet both needs by obtaining the subject's undeclared financial institution information and account information, etc. from public information, etc. only when it determines that the information does not contain undeclared financial institution account information.

[0015] In the present invention, the above-mentioned object is achieved by a financial institution account information management device which has a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least the subject of either a loan or credit investigation, and which acquires at least either financial institution information or the financial institution account information of the subject other than the reporting financial institution account information based on at least either public or private information about the subject, and displays it on a display unit.

[0016] Preferably, the financial institution account information management device is configured so that when it is unable to obtain at least either the financial institution information or the financial institution account information of the subject other than the reported financial institution account information, and the same-name financial institution account information determination unit determines that same-name financial institution account information, which is other financial institution account information with the same name as the subject, exists in at least one of the remitter information or remitter information of the reported financial institution account information, the inclusion information determination unit determines whether the same-name financial institution account information is included in the reported financial institution account information, and if the same-name financial institution account information is not included in the reported financial institution account information, the same-name financial institution account information is displayed on the display unit as non-reported financial institution account information.

[0017] The above object is achieved in the present invention by a control method for a financial institution account information management device having a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least the subject of either a loan or credit investigation, wherein a same-name financial institution account information determination unit determines whether same-name financial institution account information, which is other financial institution account information in the same name as the subject, is present in at least either the remittance source information or the remittance destination information of the reporting financial institution account information, an inclusion information determination unit determines whether the same-name financial institution account information is included in the reporting financial institution account information, and if the same-name financial institution account information is not included in the reporting financial institution account information, the same-name financial institution account information is displayed on a display unit as non-reported financial institution account information.

[0018] In the present invention, the above object is achieved by a control program for a financial institution account information management device that has a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least the subject of either a loan or credit investigation, and that has the following functions: a same-name financial institution account information determination unit that determines whether same-name financial institution account information, which is other financial institution account information in the same name as the subject, is present in at least either the remittance source information or the remittance destination information of the reporting financial institution account information; an inclusion information determination unit that determines whether the same-name financial institution account information is included in the reporting financial institution account information; and, if the same-name financial institution account information is not included in the reporting financial institution account information, displays the same-name financial institution account information on a display unit as non-reported financial institution account information. [Effects of the Invention]

[0019] As described above, the present invention has the advantage of being able to provide a financial institution account information management device, a control method for a financial institution account information management device, and a control program for a financial institution account information management device, which check whether there are any omissions in the financial institution accounts etc. declared by those seeking loans or those undergoing credit investigations. [Brief explanation of the drawings]

[0020] [Figure 1] 1 is a schematic diagram showing an overview of an "account information acquisition device 10" which is an embodiment of the "financial institution account information management device" of the present invention. [Figure 2] 1 is a schematic flow chart showing an example of the operation of the "account information acquisition device 10" according to the present embodiment. [Figure 3] 10 is another schematic flowchart showing an example of the operation of the "account information acquisition device 10" according to the present embodiment. [Figure 4] 10 is a schematic flowchart showing a process for investigating non-public information, etc. DETAILED DESCRIPTION OF THE INVENTION

[0021] Preferred embodiments of the present invention will now be described in detail with reference to the accompanying drawings. The embodiments described below are preferred examples of the present invention, and therefore various technically preferable limitations are applied. However, the scope of the present invention is not limited to these embodiments unless otherwise specified in the following description to the effect that the present invention is specifically limited.

[0022] FIG. 1 is a schematic diagram showing an overview of an "account information acquisition device 10" which is an embodiment of the "financial institution account information management device" of the present invention. The account information acquisition device 10 of FIG. 1 includes a computer, and the computer includes a CPU (Central Processing Unit), RAM (Random Access Memory), It has a memory, a read-only memory (ROM), a hard disk, etc., and they are connected via a bus.

[0023] As shown in FIG. 1, the account information acquisition device 10 has a control unit 11, which is configured to control a "communication device 12" for accessing websites (homepages) etc. via the Internet network, a display unit for displaying various information, such as a "display 13," and various information input devices 14 such as a keyboard for inputting various information.

[0024] As shown in Figure 1, the control unit 11 also controls the "Declared Financial Institution Account Information Memory Unit 15," "Same Name Financial Institution Account Information Determination Unit 16," "Same Name Financial Institution Account Information Memory Unit 17," "Transfer, etc. Determination Unit 18," "Same Financial Institution Account Information Memory Unit 19," "First Inclusion Information Determination Unit 20," "First Non-Declared Financial Institution Account Information Memory Unit 21," "Different Financial Institution Account Information Memory Unit 22," "Second Inclusion Information Determination Unit 23," "Second Non-Declared Financial Institution Account Information Memory Unit 24," "Non-Disclosed Information Investigation Unit 25," "Non-Disclosed Information Investigation Result Memory Unit 26," "Public Information Investigation Unit 27," and "Public Information Investigation Result Memory Unit 28," but the details of these will be described later.

[0025] 2 to 4 are schematic flow charts showing an example of the operation of the "account information acquisition device 10" according to this embodiment. In this embodiment, for example, Company A, which is a target of at least one of a loan or a credit investigation, has an account, which is financial institution account information, at a financial institution such as a bank or a credit union. Specifically, it has accounts B1 and B2 at Bank B, accounts C1 and C2 at Bank C, account E1 at Shinkin Bank E, and account F1 at Shinkin Bank F (under the former name of Company A).

[0026] In this embodiment, when Company A, which has such an account, applies for a loan from, for example, Public Financial Institution D, the Public Financial Institution D requests Company A to submit account information for a bank or other institution in the name of Company A. In response, Company A thought it would be sufficient to submit only its main account information, and submitted only the account information for Bank B's B1 account and Bank C's C1 account.

[0027] Public financial institution D uses the "account information acquisition device 10" in FIG. 1 to investigate whether account information for Company A's financial institution exists other than account B1 at bank B and account C1 at bank C. The present embodiment will be specifically described below using the above example. In this embodiment, an example of investigating financial institution account information, etc. for a loan will be described, but the present invention is not limited to this and may also be applied to, for example, a case where financial institution account information, etc. is investigated for a credit check of Company A.

[0028] First, in step (hereinafter referred to as "ST") 1 of Figure 2, a person in charge at public financial institution D enters the account information for "Account B1 at Bank B" and "Account C1 at Bank C" submitted by Company A into "Account Information Acquisition Device 10."

[0029] The input "account information" is then stored in the "reporting financial institution account information storage unit 15" in FIG. This input "account information" is an example of "declaring financial institution account information."

[0030] As a specific example, data such as deposits and withdrawals for each account, B1 and C1, for each date over the past five years is entered and stored. In addition, the data on deposits and withdrawals for each date includes information such as the date, withdrawal item, deposit item, amount, etc. The "withdrawal item" includes information on the remittance destination, such as the name of the remittance destination and the name of the transferee, and the "deposit item" includes information on the remittance source, such as the name of the remittance recipient and the name of the transfer source.

[0031] Next, the process proceeds to ST2. In ST2, the "same-name financial institution account information determination unit (program) 16" in Figure 1 operates to determine whether the name or abbreviation of the loan applicant "Company A" is included in the remittance source information, such as the name of the remittance recipient and the name of the transferee, and the remittance destination information, such as the name of the remittance recipient and the name of the transfer originator, in the "withdrawal items" and "deposit items" of the deposit / withdrawal data for the B1 account, etc.

[0032] If it is determined in ST3 that the name or abbreviation of "Company A" is included in the deposit / withdrawal data for account B1, for example, the process proceeds to ST4. In ST4, the account name and account number of the financial institution containing the name or abbreviation of "Company A" (for example, account B2) are stored as "same-name financial institution account information" in the "same-name financial institution account information storage unit 17" in Figure 1.

[0033] On the other hand, if it is determined that the name or abbreviation of "Company A" is not included in the deposit / withdrawal data for Account B1, etc., the process will proceed to the "Investigation process for non-public information, etc." described below.

[0034] If the information is stored in the "same-name financial institution account information storage unit 17" in ST4, the process proceeds to ST5. In ST5, the "transfer etc. determination unit (program) 18" in Fig. 1 operates to determine whether the "deposit item" or "withdrawal item" of the account number of the financial institution that contains the name or abbreviation of "Company A," which is the "same-name financial institution account information," is "transfer" or "deposit."

[0035] If it is determined in ST5 that it is a "transfer," the process proceeds to ST6. In ST6, the transfer etc. determination unit 18 operates and determines that the account name and account number (e.g., account B2) of the financial institution containing the name etc. of Company A are the same as the account information (e.g., account B1) in which the name etc. of Company A was written as deposit / withdrawal data, and stores this in the "same financial institution account information storage unit 19" in Figure 1.

[0036] Next, the process proceeds to ST7. In ST7, a comprehensive information determination unit, for example, the "first comprehensive information determination unit (program)" 20 in FIG. 1, operates to determine whether the financial institution account, etc. (e.g., B2 account) in the "same financial institution account information storage unit 19" is included in the "reporting financial institution account information" in the "reporting financial institution account information storage unit 15."

[0037] In this embodiment, since the B2 account is not included in the "declared financial institution account information," the account (B2 account) is stored as non-declared financial institution account information, for example, as "first non-declared financial institution account information," in the "first non-declared financial institution account information storage unit 21" in Figure 1.

[0038] Next, the process proceeds to ST8. In ST8, the display 13 displays, for example, the fact that "Bank B's" "B2 Account" (account number) information has been acquired as the first undeclared financial institution account information. Therefore, the person in charge who is the user of the device 10 can understand that Company A has a B2 account at Bank B, and can also understand other bank accounts at Bank B that Company A has not declared.

[0039] In this way, according to this embodiment, based on the information of the B1 account at Bank B, which is the declared financial institution account information of Company A, it is possible to investigate and discover whether Company A has any other undeclared accounts at the same financial institution, Bank B, and display this fact on display 13, thereby confirming any omissions in the account information declared by Company A.

[0040] In addition, in this embodiment, if the name or abbreviation of Company A is included in the transfer destination name, transfer source name, etc. in the "withdrawal item" and "deposit item" of the deposit / withdrawal data for Company A's declared account (such as Account B1), there is a high possibility that the transfer is from Company A to Company A, etc. Therefore, by investigating the accounts of the transferees and the transfer source, it is possible to effectively find undeclared accounts of Company A.

[0041] By the way, if it is determined in ST5 that it is not a "transfer", it is determined to be a "deposit" and the process proceeds to ST9. In ST9, the transfer etc. judgment unit 18 operates and judges that the account name and account number of the financial institution containing the name of Company A, etc. is an account of a "financial institution (e.g., Bank C)" that is different from the account information (e.g., account B1) in which the name of Company A, etc. was listed as deposit / withdrawal data, and stores it in the "different financial institution account information storage unit 22" in Figure 1.

[0042] Next, proceed to ST10, where the ``second inclusion information determination unit (program) 23'' in Figure 1 operates to determine whether an account of a financial institution (e.g., a C2 account) in the ``other financial institution account information storage unit 22'' is included in the ``declared financial institution account information'' in the ``declared financial institution account information storage unit 15.''

[0043] In this embodiment, the C1 account at Bank C is not included in the "declared financial institution account information." Therefore, in ST10, it is determined that it is not included, and the C1 account is stored in the "second non-reported financial institution account information storage unit 24" as "second non-reported financial institution account information." In addition, the bank name, etc., is searched for from the C1 account, which is the name of the financial institution and account number that includes the name of Company A, and is identified as Bank C, for example.

[0044] Next, the process proceeds to ST11. In ST11, the display 13 displays a message indicating that "C2 Account" (account number) information of "Bank C" has been acquired as the second undeclared financial institution account information.

[0045] The person in charge, who is the user of the device 10, can know that Company A has a C2 account with Bank C, and can also know other bank accounts other than Bank B that Company A has not declared.

[0046] In this way, according to this embodiment, based on the information of the B1 account at Bank B, which is the declared financial institution account information of Company A, it is possible to investigate and discover whether Company A has another undeclared account (C2 account) at a different financial institution, Bank C, and display this fact on display 13, thereby confirming any omissions in the account information declared by Company A.

[0047] In addition, in this embodiment, if the name or abbreviation of Company A is included in the name of the transferee or the name of the recipient in the "withdrawal item" and "deposit item" of the deposit / withdrawal data for Company A's declared account (such as Account B1), it is highly likely that the transfer is from Company A to Company A. Therefore, by investigating the accounts of the sender and receiver of such transfers, it is possible to effectively find undeclared accounts of Company A.

[0048] Incidentally, if it is determined in ST3 that the name or abbreviation of "Company A" is not included in the deposit / withdrawal data for Account B1, etc., the process proceeds to the "Non-public information, etc. investigation process." Figure 4 is a schematic flowchart showing the process of investigating non-public information, etc. In this embodiment, ST3 is a step that is executed even if the name or abbreviation of "Company A" is not included in the input / output data of the B1 account, etc., because there is a possibility that Company A has undeclared bank accounts, etc.

[0049] First, in ST21 of Figure 4, the "non-public information investigation unit (program) 25" of Figure 1 operates and accesses non-public information, such as a website (homepage) that provides non-public (membership-based, etc.) corporate information or corporate accounting information, via the Internet or other network, obtains financial institutions and financial institution account information with which Company A does business, and stores this information in the "non-public information investigation result memory unit 26" of Figure 1.

[0050] Specifically, for example, information is obtained by accessing the websites of research companies (institutions) such as "cloud accounting systems" that Company A has already registered, or corporate data banks. Then, based on information such as which banks Company A has deposit balances at and which banks it has loan balances at, it is estimated which banks have accounts in the name of "Company A."

[0051] In this embodiment, for example, information that Company A has a loan balance at E Shinkin Bank is obtained as confidential information, and from this Company A infers that it has an account at E Shinkin Bank and stores this information in the ``confidential information investigation results memory unit 26.''

[0052] Next, the process proceeds to ST22, and a message is displayed on the display 13 indicating that Company A's account can be assumed to exist at Shinkin Bank E.

[0053] In this way, in this embodiment, even if it is not possible to obtain other undeclared account information from the B1 account at Bank B declared by Company A, it is possible to obtain financial institution information on banks etc. where Company A is likely to have accounts etc., and financial institution account information on bank accounts etc., based on non-public information, and provide this information to loan officers etc. at public financial institution D.

[0054] In this embodiment, not only the above-mentioned private information but also public information is investigated to obtain information on the possibility of the existence of banks, etc., and bank accounts, etc., with which Company A does business. Therefore, the process proceeds to ST23. In ST23, the "public information search unit (program) 27" in Fig. 1 operates to search for public information related to Company A, such as the homepages (websites) of financial institution-related companies, organizations, public institutions, etc., to obtain transaction information between Company A and financial institutions, etc., and store this information in the "public information search result storage unit 28" in Fig. 1.

[0055] Specifically, searches are conducted using keywords by industry, region, attributes, etc., but more specifically, searches can be conducted by (1) company name (trade name) only, (2) company name (trade name) and legal entity, (3) company name (trade name) and area (region), (4) company name (trade name) and business type, (5) company name (trade name), area and business type, (6) company name (trade name) and representative name, etc.

[0056] In this embodiment, when searching the homepage of an organization related to financial institutions, information is obtained stating that Company A has transactions with F Shinkin Bank under its former name, so it is inferred that there is a possibility that an account under Company A's former name still exists at F Shinkin Bank, and this is stored in the "public information investigation results memory unit 28."

[0057] Next, the process proceeds to ST24, and the possibility that an account under Company A's former name exists at F Shinkin Bank is displayed on display 13.

[0058] In this way, in this embodiment, even if it is not possible to obtain other account information from the B1 account at Bank B declared by Company A, it is possible to obtain financial institution information such as banks where Company A is likely to have accounts, and financial institution account information such as bank accounts, based on public information, and provide this information to loan officers at public financial institution D.

[0059] Furthermore, after going through the above-described process according to this embodiment, the loan officer at public financial institution D, who has obtained information regarding Company A's undeclared bank accounts, etc., displayed on display 13 by device 10, can present this information to Company A, thereby encouraging Company A to self-declare accounts, etc., at financial institutions with which Company A does business.

[0060] In this embodiment, as described above, account information of undeclared financial institutions of Company A was obtained using non-public information and public information, but the present invention is not limited to this, and may also be configured to obtain financial institution account information of financial institutions such as banks with which Company A does business, and bank accounts, by combining investigation results based on non-public information and public information.

[0061] For example, public information generally contains information indicating the general creditworthiness of a company, and information on financial institutions with which the company does business is not essential. On the other hand, non-public information mainly consists of specific credit checks on companies, so financial institution information is essential, and in particular includes information on financial institutions that companies do not want to make public. In this way, by obtaining financial institution information from different perspectives, for example, mutual complementation is achieved, and the entire picture of transaction financial institution information can be grasped more comprehensively.

[0062] In this embodiment, as described above, not only is the deposit and withdrawal data of the "declared financial institution account information" of Company A's B1 account, C1 account, etc., used, but also other "public information" and "non-public information," to investigate Company A's undeclared financial institution account information, etc., for the following reasons.

[0063] The above-mentioned non-public and public information is less reliable than Company A's account information, and there is a request that the results be shown to Company A with caution, if possible. On the other hand, when it is not possible to obtain undeclared account information from the account information of declared financial institutions such as Company A's B1 account or C1 account, there is a strong demand to obtain some kind of account information. Therefore, in this embodiment, the first inclusion information determination unit 20, etc., is configured to meet the needs of both parties by obtaining undeclared account information of Company A from non-public information, public information, etc. only when it determines that the information does not contain first undeclared financial institution account information, etc.

[0064] Furthermore, unlike the above-described embodiment, the present invention may be configured to first obtain information on Company A's undeclared financial institutions, etc. from non-public information or public information about Company A, and when information on Company A's undeclared financial institutions, etc. cannot be obtained from this non-public information or public information, obtain the undeclared account information from Company A's "declared financial institution account information."

[0065] In the present embodiment described above, an example has been given in which the invention is realized as an apparatus, but the invention is not limited to this, and the invention may be distributed as a program that can be executed by a computer, stored on a storage medium such as a magnetic disk, an optical disk (CD-ROM, DVD, etc.), a magneto-optical disk (MO), or a semiconductor memory.

[0066] The storage medium may be any medium that can store the program and is readable by a computer, and the storage format of the storage medium is not particularly limited.

[0067] In addition, an OS (operating system), database management software, network software, or other MW (middleware) running on a computer may execute some of the processes required to realize this embodiment based on instructions from a program installed on the computer from a storage medium.

[0068] Furthermore, the storage medium in the present invention is not limited to a medium independent of a computer, but also includes a storage medium that stores or temporarily stores a program downloaded via a LAN, the Internet, or the like.

[0069] Furthermore, the computer in the present invention only needs to execute each process in this embodiment based on a program stored in a storage medium, and may be a device consisting of a single personal computer, or a system in which multiple devices are connected to a network.

[0070] Furthermore, the term "computer" in this invention is not limited to a personal computer, but also includes an arithmetic processing unit, a microcomputer, etc. included in information processing equipment, and is a general term for equipment or devices that can realize the functions of this invention by a program.

[0071] The above describes the embodiments of the present invention. However, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the scope of the claims. The configurations of the above embodiments can be partially omitted or arbitrarily combined in a different manner from the above. [Explanation of symbols]

[0072] 10 Account information acquisition device, 11 Control unit, 12 Communication device, 13 Display, 14 Various information input device, 15 Reported financial institution account information storage unit, 16 Same-name financial institution account information determination unit, 17 Same-name financial institution account information storage unit, 18 Transfer etc. determination unit, 19 Same financial institution account information storage unit, 20 First inclusion information determination unit, 21 First non-reported financial institution account information storage unit, 22 Different financial institution account information storage unit, 23 Second inclusion information determination unit, 24 Second non-reported financial institution account information storage unit, 25 Non-public information investigation unit, 26 Non-public information investigation result storage unit, 27 Public information investigation unit, 28 Public information investigation result storage unit

Claims

1. a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least the subject of either a loan or a credit investigation; Based on at least publicly available information about the subject, at least one of financial institution information or the financial institution account information of the subject other than the reporting financial institution account information is acquired and displayed on a display unit; When, based on the public information, it is not possible to obtain any information on the financial institution or financial institution account information of the subject other than the reporting financial institution account information, When the same-name financial institution account information determination unit determines that there is another financial institution account information with the same name as the subject in at least one of the remittance source information or the remittance destination information of the reported financial institution account information, The inclusion information determination unit determines whether the same-name financial institution account information is included in the reported financial institution account information; A financial institution account information management device characterized in that, when the same-name financial institution account information is not included in the reported financial institution account information, the same-name financial institution account information is displayed on the display unit as non-reported financial institution account information.

2. A control method for a financial institution account information management device having a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least the subject of either a loan or a credit investigation, comprising: Based on at least publicly available information about the subject, at least one of financial institution information or the financial institution account information of the subject other than the reporting financial institution account information is acquired and displayed on a display unit; When, based on the public information, it is not possible to obtain any information on the financial institution or financial institution account information of the subject other than the reporting financial institution account information, When the same-name financial institution account information determination unit determines that there is another financial institution account information with the same name as the subject in at least one of the remittance source information or the remittance destination information of the reported financial institution account information, The inclusion information determination unit determines whether the same-name financial institution account information is included in the reported financial institution account information; A control method for a financial institution account information management device, characterized in that when the same-name financial institution account information is not included in the reported financial institution account information, the same-name financial institution account information is displayed on the display unit as non-reported financial institution account information.

3. A financial institution account information management device having a reporting financial institution account information storage unit that stores reporting financial institution account information, which is financial institution account information of financial institutions reported by a subject who is at least the subject of either a loan or a credit investigation, A function of acquiring at least one of the financial institution information or the financial institution account information of the subject other than the reporting financial institution account information based on at least public information about the subject, and displaying it on a display unit; When neither the financial institution information nor the financial institution account information of the subject other than the reporting financial institution account information can be obtained based on the public information, and the same-name financial institution account information determination unit determines that there is same-name financial institution account information, which is other financial institution account information with the same name as the subject, in at least one of the remittance source information or the remittance destination information of the reporting financial institution account information, the inclusion information determination unit has the function of determining whether the same-name financial institution account information is included in the reporting financial institution account information, A control program for a financial institution account information management device that realizes the function of displaying the same-name financial institution account information on the display unit as non-declared financial institution account information when the same-name financial institution account information is not included in the declared financial institution account information.

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