JP7774016B2 - Information processing method, information processing system, store terminal, and management server - Google Patents

Description

The present invention relates to an information processing method, an information processing system, a store terminal, and a management server.

Technology for applying for a loan over a network such as the Internet is known (for example, see Patent Document 1).

Patent No. 6733797

Different users have different preferred methods for entering loan application information, so it would be convenient to be able to choose from a variety of entry methods to suit their needs. However, particularly when applying for a loan that requires a guarantor, if the applicant and guarantor select an entry method that allows them to enter their loan application information on their own devices without visiting the dealership, the dealer may not be aware that the information required for the applicant's credit review has been entered and that the information required for the guarantor's credit review needs to be entered. In this case, there is a problem that the entry of the information required for the guarantor's credit review is delayed, preventing the credit review of the applicant and guarantor from proceeding smoothly.

The present invention aims to smoothly conduct credit checks on prospective purchasers and guarantors of goods or services, even when the prospective purchaser or guarantor can choose the input method for entering the information required for credit checks on their own terminals.

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

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

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

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

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

In yet another aspect of the present invention, a store terminal is provided that includes a means for specifying an input method for personal information, which is information about a person wishing to purchase a product or service, and guarantor information, which is information about the person's guarantor, and a means for receiving a notification from a management server that the guarantor information is required. The personal information is input into the store terminal itself or the terminal of the person wishing to purchase according to the set input method. Upon receiving the personal information input into the store terminal itself or the terminal of the person wishing to purchase, the management server issues the notification. After the notification, the store terminal allows the guarantor information to be input into the store terminal itself or the terminal of the guarantor according to the set input method.

In yet another aspect, the present invention provides a management server comprising: means for acquiring customer information, which is information about the prospective purchaser, entered into a store terminal managed by a product or service provider or into a terminal of the prospective purchaser of the product or service, according to an input method set in the store terminal; means for notifying the store terminal that guarantor information, which is information about the prospective purchaser's guarantor, is required; means for acquiring the guarantor information entered into the store terminal or the guarantor's terminal after the notification, according to an input method set in the store terminal; and means for associating the product or service information, the customer information, and the guarantor information, and transmitting the information to an examination server that performs a credit examination of the prospective purchaser.

According to the present invention, even if the prospective purchaser of a product or service or their guarantor can choose the input method for entering the information required for credit screening on their own terminal, credit screening of the prospective purchaser and guarantor can be carried out smoothly.

FIG. 1 is a diagram illustrating a configuration of an application system according to an embodiment. FIG. 2 is a diagram illustrating the configuration of a store terminal. FIG. 10 is a diagram illustrating a status DB. FIG. 2 is a diagram illustrating the configuration of a user terminal. FIG. 2 is a diagram illustrating an example of the configuration of a management server. 10 is a sequence chart illustrating a provisional application process for an auto loan. 10 is a sequence chart illustrating a provisional application process for an auto loan (when information is entered at a store terminal). 10 is a sequence chart illustrating a provisional application process for an auto loan (when information is input via a user terminal). 10 is a sequence chart illustrating a provisional application process for an auto loan. FIG. 10 is a diagram illustrating an example of a screen for applying for an auto loan. FIG. 10 is a diagram illustrating an example of a screen for applying for an auto loan. FIG. 10 is a diagram illustrating an example of a screen for applying for an auto loan. 10 is a sequence chart illustrating an example of a main application process for an auto loan. FIG. 10 is a diagram illustrating an example of a screen for applying for an auto loan.

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

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

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

The processor 11 controls and performs calculations for each component of the store terminal 10. An example of the processor 11 is a CPU (Central Processing Unit). The memory 12 is used as a work area when the processor 11 executes the program 131. Examples of the memory 12 include ROM (Read Only Memory) and RAM (Random Access Memory). The storage 13 stores the program 131 for implementing the functions of the store terminal 10 and a status DB (Database) 132 for managing the status of the auto loan application procedure. The program 131 includes a web browser for displaying web screens provided by the web server. Examples of the storage 13 include an HDD (Hard Disk Drive), SSD (Solid State Drive), and flash memory. The communication IF 14 communicates with other devices via the network 2 under the control of the processor 11. The input device 15 is used by the user to operate the store terminal 10. Examples of the input device 15 include a keyboard, mouse, touch panel, and operation buttons. Under the control of processor 11, display device 16 displays various screens for applying for an auto loan. These screens may be web screens, for example. Examples of display device 16 include a liquid crystal display and an organic EL (Electro Luminescence) display.

By executing a program 131 stored in storage 13 or memory 12, processor 11 functions as setting means 111, receiving means 112, sending means 113, issuing means 114, receiving means 115, updating means 116, and acquiring means 117. These functions are realized by software working in conjunction with hardware resources.

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

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

Applying for an auto loan requires approval of application information and agreement to various terms and conditions. The consent acquisition method involves obtaining various consents, including approval of personal information or guarantor information. There are three consent acquisition methods: a screen viewing method, an SMS (Short Message Service) method, and a phone call method. The screen viewing method involves the applicant or guarantor confirming the application details on a screen displayed on the store terminal 10 and obtaining consent. The SMS method involves sending a short message containing the URL (Uniform Resource Locator) of a consent confirmation screen to the applicant's or guarantor's user terminal 20A or 20B. The applicant or guarantor then confirms at least a portion of the application details on the consent confirmation screen displayed on the user terminal 20A or 20B in accordance with this URL and obtains consent. The SMS method is suitable for protecting personal information and ensuring identity, as it allows short messages to be sent using a telephone number. The phone call method involves the applicant or guarantor confirming the application details listed on the application confirmation form provided by the dealership and calling the applicant or guarantor to obtain consent.

When entering personal information or guarantor information using user terminal 20, a URL for the input screen is issued to display the input screen for the personal information or guarantor information on the user terminal 20. The input URL is issued by issuing the URL of the input screen to the user terminal 20. There are three methods for issuing the input URL: an email transmission method, a guidebook output method, and a manual issuance method. The email transmission method is a method of sending an email containing the URL of the input screen to user terminal 20A or 20B. The guidebook output method is a method of sending guidebook data containing at least either the URL of the input screen or a two-dimensional code indicating this URL to user terminal 20A or 20B. The manual issuance method is a method in which a store clerk creates an email or SNS (Social Networking Service) message containing the URL of the input screen and sends it to user terminal 20A or 20B.

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

The transmission means 113 transmits the application information received by the reception means 112 to the management server 30. More specifically, the transmission means 113 transmits to the management server 30 the purchase information, personal information, and guarantor information received by the reception means 112.

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

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

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

Figure 3 is a diagram illustrating status DB132. Status DB132 stores status information indicating the status of the auto loan application process. The status information includes an application ID that uniquely identifies the application, the application date or last update date, the applicant's name, a status indicating the progress of the application process or screening, purchase information, screening results, URL issuance information for the applicant's input, guarantor registration information, and URL issuance information for guarantor input. These pieces of information contained in the status information are associated with each other using the application ID as a key.

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

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

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

The processor 21 functions as a receiving means 211 and a sending means 212 by executing a program 231 stored in the storage 23 or memory 22. These functions are realized by software working in conjunction with hardware resources.

The reception means 211 accepts input of personal information or guarantor information according to the input method set by the setting means 111 of the store terminal 10. More specifically, the reception means 211 accepts input of personal information or guarantor information when the personal input method using the user terminal 20 is set.

The sending means 212 sends the personal information or guarantor information received by the receiving means 211 to the management server 30.

Figure 5 is a diagram illustrating the configuration of the management server 30. The management server 30 is managed by a credit company that provides auto loans. The management server 30 accepts auto loan applications and transmits auto loan application information to the screening server 40. The management server 30 includes a processor 31, memory 32, storage 33, and a communication IF 34. These components are connected via a bus.

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

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

The first acquisition means 311 acquires personal information entered at the store terminal 10 or the user terminal 20A from the store terminal 10 or the user terminal 20A according to the input method set by the setting means 111 of the store terminal 10.

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

After notification by the notification means 312, the second acquisition means 313 acquires the guarantor information entered at the store terminal 10 or user terminal 20B from the store terminal 10 or user terminal 20B.

The transmission means 314 transmits the auto loan application information to the screening server 40. In the case of a provisional application, the transmission means 314 transmits the purchase information, personal information, and guarantor information separately. On the other hand, in the case of a full application, the transmission means 314 associates the purchase information, personal information, and guarantor information and transmits them all together.

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

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

Figures 8 to 10 show example screens for applying for an auto loan. First, the top screen 610 is displayed on the display device 16 of the store terminal 10. When a dealership clerk presses the "New Application" button 611 included in the top screen 610, the provisional application process begins. Here, we will explain an example in which a guarantor is required for an auto loan contract. In this case, the provisional application process first involves the applicant's application procedure and personal screening, followed by the guarantor's application procedure and guarantor screening.

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

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

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

The selection screen 630 also includes a selection button 633 for selecting the screen viewing method, a selection button 634 for selecting the SMS method, and a selection button 635 for selecting the call method. When the screen viewing method is selected, the store clerk presses the selection button 633. When the selection button 633 is pressed, the setting means 111 sets the screen viewing method. When the SMS method is selected, the store clerk presses the selection button 634. When the selection button 634 is pressed, the setting means 111 sets the SMS method. When the call method is selected, the store clerk presses the selection button 635. When the selection button 635 is pressed, the setting means 111 sets the call method.

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

When the transition button 642 is pressed, a personal information input screen 650 is displayed on the display device 16. The applicant or a sales clerk enters personal information on the input screen 650 and then presses the transition button 651. Once the personal information has been entered, the reception means 112 adds an application ID to the entered personal information. When the transition button 651 is pressed, a personal information confirmation screen 660 is displayed on the display device 16. The confirmation screen 660 includes the entered personal information and a transition button 661 for proceeding after approving the personal information. When the applicant approves the personal information by viewing the confirmation screen 660 displayed on the display device 16, the applicant or a sales clerk presses the transition button 661 included in the confirmation screen 660. When the transition button 661 is pressed, an application content confirmation screen 670 is displayed on the display device 16. The confirmation screen 670 includes the entered purchase information and personal information, as well as an apply button 671 for applying for an auto loan after final approval of the purchase information and personal information. When the applicant views the confirmation screen 670 displayed on the display device 16 and gives final approval of the purchase information and personal information, the applicant or a dealership clerk presses the apply button 671.

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

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

Returning to FIG. 6, in step S16, the issuing means 114 of the store terminal 10 issues the URL of the personal information input screen 650 to the user terminal 20A in accordance with the input URL issuance method set by the setting means 111. The issuance of this URL serves both as the input of personal information and the transmission of a request for approval of the information entered at the store terminal 10. More specifically, if the email transmission method is set, the issuing means 114 automatically creates an email including the URL of the personal information input screen 650 and sends it to the user terminal 20A. If the guidebook output method is set, the issuing means 114 automatically creates guidebook data including the URL of the personal information input screen 650 and a two-dimensional code indicating this URL, and sends it to the user terminal 20A. When the manual issuance method is set, the issuing means 114 allows the store clerk to copy the URL from the personal information input screen 650 and paste it into an email or SNS message, creating an email or SNS message containing this URL and sending it to the user terminal 20A.

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

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

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

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

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

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

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

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

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

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

Returning to FIG. 7, in step S25, the transmission means 113 of the store terminal 10 transmits the guarantor information entered and consent confirmed in step S24 to the management server 30. When the guarantor information is transmitted from the store terminal 10, the first acquisition means 311 of the management server 30 receives this guarantor information.

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

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

In step S30, the transmission means 314 of the management server 30 transmits the guarantor information received from the store terminal 10 or the user terminal 20B to the screening server 40. In step S31, the screening server 40 conducts a guarantor screening using the guarantor information received from the management server 30. In step S32, the screening server 40 attaches an application ID to the results of the guarantor screening conducted in step S31 and transmits them to the store terminal 10. As described above, the results of the provisional application screening are not the final screening results for the auto loan, and therefore serve as a notification of a provisional decision on the screening. When the results of the guarantor screening are transmitted from the screening server 40, the receiving means 115 of the store terminal 10 receives the results of the guarantor screening. The screening server 40 may also transmit the results of the guarantor screening to the store terminal 10 and the user terminals 20A and 20B.

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

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

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

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

Returning to FIG. 11, in step S43, the setting means 111 of the store terminal 10 sets the method for inputting personal information and the method for obtaining consent for the input purchase information, personal information, and various terms and conditions, similar to the processing in step S12 described above. After correcting and inputting the purchase information on the application details screen 690 shown in FIG. 12, the purchase information input screen 620 shown in FIG. 8 and subsequent screens are displayed. Here, we will explain an example in which a store clerk presses the selection button 622 included in the input screen 620, setting the personal input method using the user terminal 20.

If the personal information input method using the user terminal 20 is set, the process proceeds to step S44 shown in Figure 11. The processing of steps S44 to S47 is the same as the processing of steps S15 to S18 described above. However, since the personal information input screen 650 is already populated with the personal information of the provisional application, the applicant only needs to amend the personal information as necessary. The accepting means 211 of the user terminal 20A accepts the input of the amended personal information in response to the applicant's operation.

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

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

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

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

By receiving a notification from management server 30 and updating status DB 132, the retailer's staff member can understand that the entry of the purchase information and personal information required for personal screening has been completed and that the retailer is now ready to conduct personal screening. In this case, the entry of guarantor information is required, so the retailer's staff member prompts the guarantor to enter the guarantor information.

In step S51, the setting means 111 of the store terminal 10 specifies the method for inputting guarantor information, similar to the processing in step S23 described above. Here, we will explain an example in which the personal input method using the user terminal 20 is set.

If the personal input method using the user terminal 20 is set, proceed to step S52. The processing of steps S52 to S55 is the same as the processing of steps S26 to S29 described above. However, since the guarantor information input screen will be in a state where the guarantor information of the provisional application has been entered, the guarantor only needs to modify the guarantor information as necessary. The reception means 211 of the user terminal 20B will accept the input of the modified guarantor information in response to the applicant's operation.

If the personal input method or input assistance method using the store terminal 10 is set, the same processing as steps S24 and S25 described above is performed instead of steps S52 to S55. In this case, the reception means 112 of the store terminal 10 accepts the input of guarantor information modified in response to the guarantor's operation.

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

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

Note that if a provisional application has not been made prior to the actual application, instead of steps S41 to S47 and S51 to S55 shown in FIG. 11, processing similar to that for a provisional application, i.e., steps S11 to S18 and S23 to S29 shown in FIG. 6, may be performed.

According to the above-described embodiment, once the entry of personal information in this application process is completed, the store terminal 10 is notified that guarantor information is required. In response to this notification, the retailer can prompt the guarantor to enter guarantor information, allowing for smooth personal and guarantor screening. Furthermore, the application system 1 allows for the selection of a method for entering personal and guarantor information. For example, if the personal input method using the user terminal 20 is selected, the applicant or guarantor can enter personal or guarantor information without visiting the retailer. In this case, the applicant does not need to send the documents required for the application to the guarantor.

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

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

In the above-described embodiment, when the issuing means 114 of the store terminal 10 is notified by the management server 30 that guarantor information is required, it may issue a URL for the guarantor information input screen to the user terminal 20B via SMS, without requiring operation by a store clerk. According to this variation, the guarantor can be prompted to enter guarantor information without the store clerk having to operate the store terminal 10.

In the above-described embodiment, if the status of an application contained in status DB 132 is changed to "Information required for personal screening of this application has been entered" and then not changed for a predetermined period of time, it is possible that the guarantor has forgotten to enter their guarantor information. In this case, the store terminal 10 may send information to the user terminal 20B reminding them to enter their guarantor information. This modification can prevent delays in entering guarantor information.

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

Application system 1 is not limited to applications for auto loans, but may also be applied to applications for loans or shopping credits used to purchase products other than cars, or to dealerships' claims for advance payments to arbitration companies. In the case of advance payment claims, the method of claiming advance payments may vary between a paperless web-based system and a contract-based system. According to this variation, even when applying for loans other than auto loans, shopping credits, or advance payment claims, the method of inputting the information required for the procedure can be selected.

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

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

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

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

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

1: Application System, 10: Store Terminal, 11: Processor, 12: Memory, 13: Storage, 14: Communication Interface, 15: Input Device, 16: Display Device, 20: User Terminal, 21: Processor, 22: Memory, 23: Storage, 24: Communication Interface, 25: Input Device, 26: Display Device, 27: Camera, 30: Management Server, 31: Processor, 32: Memory, 33: Storage, 34: Communication Interface, 40: Review Server, 111: Setting Means, 112: Accepting Means, 113: Sending Means, 114: Issuing Means, 115: Receiving Means, 116: Updating Means, 117: Acquisition Means, 131: Program, 132: Status Database, 211: Accepting Means, 212: Sending Means, 231: Program, 311: First Acquisition Means, 312: Notification Means, 313: Second Acquisition Means, 314: Sending Means, 331: Program

Claims (9)

a step of setting, at the time of applying for credit screening, a method for inputting personal information, which is information about a person who wishes to purchase the product or service , and guarantor information, which is information about a guarantor of the person who wishes to purchase the product or service , at a store terminal managed by the provider of the product or service ;
a step in which a management server acquires the personal information inputted at the store terminal or the terminal of the intending purchaser in accordance with the set input method;
When the management server determines that the provider of the product or service needs to input guarantor information, the management server sends a notification to the store terminal that the guarantor information is required;
after the notification, the management server acquires the guarantor information inputted at the store terminal or the guarantor's terminal in accordance with the set input method;
and a step of associating the product or service information with the customer information and the guarantor information and transmitting the information from the management server to an examination server that performs credit examination of the prospective purchaser and the guarantor. The store terminal refers to a database that stores information indicating the progress of the credit examination, and if there is no change in the examination status even after a predetermined period has passed since the time when the input of the guarantor information became necessary, it notifies the guarantor's terminal.
The information processing method according to claim 1 . the input method includes, for each of the personal information and the guarantor information, any one of a method of inputting the information at the store terminal and a method of inputting the information or approving the input information at a user terminal;
The information processing method according to claim 1 . the input method is a method in which at least a part of the information is input or approved at a terminal of the intending purchaser and a terminal of the guarantor, respectively, for the principal information and the guarantor information;
The method further includes a step in which the store terminal transmits a request for input of at least a part of the personal information or an approval request for the information input at the store terminal to the terminal of the intending purchaser, and a step in which the store terminal transmits a request for input of at least a part of the guarantor information or an approval request for the information input at the store terminal to the terminal of the guarantor.
The information processing method according to claim 1 . The store terminal receives from the examination server a result of the examination on the ability to pay for the product or service;
The information processing method according to claim 1 , further comprising a step of displaying, by the store terminal, information indicating the progress of the examination of the principal information and the progress of the examination of the guarantor information. a step of receiving, by the store terminal, a notification of a provisional decision on the ability to pay for the product or service from the examination server;
a step in which the store terminal stores information on the product or service, the customer information, and the guarantor information related to the notification of the provisional decision;
a step of accepting, at the store terminal, after receiving the notification of the provisional decision, a correction of the information of the product or service related to the notification of the provisional decision;
a step in which the management server acquires the corrected customer information or corrected guarantor information inputted at the store terminal, the terminal of the intending purchaser, or the terminal of the guarantor in accordance with the set input method;
5. The information processing method according to claim 1, further comprising a step in which the management server associates the revised product or service information, the revised personal information, and the revised guarantor information and transmits them to the review server. The system includes at least one of a store terminal managed by a provider of a product or service, a terminal of a person who wishes to purchase the product or service, and a terminal of a guarantor of the person who wishes to purchase the product or service, and a management server;
The store terminal has a means for setting a method for inputting personal information, which is information about the purchaser, and guarantor information, which is information about the guarantor, at the time of applying for credit screening ,
The management server
a means for acquiring the personal information inputted into the store terminal or the terminal of the intended purchaser in accordance with the set input method;
a means for notifying the store terminal that guarantor information is required when the provider of the product or service determines that the guarantor information is required;
after the notification, a means for acquiring the guarantor information inputted into the store terminal or the guarantor's terminal in accordance with the set input method;
means for associating the information on the product or service with the customer information and the guarantor information and transmitting the information to an examination server that performs a credit examination on the prospective purchaser;
the store terminal or the terminal of the intending purchaser has a means for transmitting the personal information inputted in accordance with the set input method to the management server;
the store terminal or the guarantor terminal has means for transmitting the guarantor information entered in accordance with the set input method to the management server after the notification. controlled by the provider of the product or service,
a means for setting a method for inputting personal information, which is information about the person who wishes to purchase the product or service, and guarantor information, which is information about the guarantor of the person who wishes to purchase the product or service, at the time of applying for credit screening ;
means for receiving , when the management server determines that the provider of the goods or services needs to input guarantor information, a notification from the management server that the guarantor information is required ;
means for receiving the results of a credit check from an examination server that performs a credit check on the prospective purchaser and the guarantor;
a storage means for storing information indicating the progress of the credit examination;
A store terminal having the above. A means for acquiring personal information, which is information about the prospective purchaser, inputted into a store terminal managed by a product or service provider or into a terminal of the prospective purchaser of the product or service according to an input method set at the time of application for credit screening;
a means for notifying the store terminal that guarantor information, which is information on the guarantor of the prospective purchaser, is required when the provider of the product or service determines that it is necessary to input guarantor information;
After receiving the notification, a means for acquiring the guarantor information inputted into the store terminal or the guarantor's terminal in accordance with the input method set at the time of application at the store terminal;
and a means for associating the product or service information with the customer information and the guarantor information and transmitting the information to an examination server that performs a credit examination of the prospective purchaser.