JP2000113033A - Credit contract system and method - Google Patents

Abstract

(57) [Summary] [Problem] To automate and efficiently process processing such as a credit contract return method, identity verification, and contract creation from online. A payment condition determining unit (40) determines a payment amount when a credit contract is concluded with a credit company based on a payment condition input by a member (2) with respect to the price of a purchased product and a rate notified from the credit company. calculate. The identity verification unit 42 performs identity verification using an IC card held by the member, and acquires personal information necessary for a credit contract from the host system based on the identity verification. Contract application section 44
Transmits to the host system 12 the payment conditions determined by the payment condition determination unit 40 and the personal information confirmed by the identity verification unit 42, and applies for a credit contract. The contract creation unit 46 prints out the contract when the approval of the examination started based on the contract application is obtained.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a system in which a terminal installed in a member store is connected to a host system installed in a credit company through a communication line, and when a member purchases a product from the member store, the member receives an application for a credit contract. The present invention relates to a credit contract system and a method for processing at least a procedure up to the creation of a contract online.

[0002]

2. Description of the Related Art At present, credit contracts for purchasing goods and services are mainly performed by members of consumers, affiliated points, and manual operations of credit companies, and the efficiency and automation of the contract work are issues. ing.

[0003] The procedure from the current application for credit sales to the contract is performed as follows. First, there are many ways to return credit sales. For this reason, the staff of the merchant asks the customer's desired payment method, etc., and based on a quick table as a paper table distributed by the credit company to the merchant,
We manually calculate the installment fee, total payment, etc. for the purchase amount, decide the return method in consultation with the customer, and fill in the required items by hand in the application form based on the result.

[0004] Next, the member store staff sends the application form by FAX or transmits the contract contents to the credit company by telephone to inquire whether approval is possible or not. At this time, a copy of the contractor's driver's license, health insurance card, etc. is faxed to the credit company for identification. If the ID card cannot be heard on the spot, a call is made to the applicant's home or the like again to confirm it.

[0005] The credit company examines the credit status of a customer who applied for a credit contract by facsimile or telephone, while manually checking the credit status of the customer who applied, and judges whether or not to approve the credit by telephone or facsimile. To answer. If the approval of the credit company is obtained, the contract is concluded, the application is stamped,
The customer keeps a copy of the contract and the contract is sent to a credit company for storage. Further, the credit company confirms the credit contract with the credit contract applicant by telephone at night or the like.

[0006]

However, in such a conventional credit contract, the work by a member who is a consumer, a member store, and a credit company is mainly performed, and a lot of work is required until the contract is completed. There is a problem that takes time and effort.

[0007] In particular, since there are a number of methods of return when a credit contract is concluded, the work load of the member store is large when deciding while consulting the method desired by the customer by hand calculation, and utilization of credit sales is large. It is a factor that hinders.

[0008] Further, the customer who makes a credit contract must determine the contents of the contract while consulting with the person in charge of the member store, and must also talk about privacy concerns in order to find the desired return conditions. There is a problem that the privacy of the individual is not sufficiently protected.

Further, in order to confirm whether the customer who has applied for the credit contract is the same as the applicant described in the credit application form (confirmation of the identity of the applicant), the applicant is renewed. The telephone company calls the home or the like to check this, and the credit company has a problem that it takes a lot of trouble and time.

[0010] Furthermore, with the spread of mobile phones, there has been a problem that it is difficult to determine whether or not the other party of the phone is the person in question.

[0011] In addition, the method of collecting an identification card and confirming the identity of the user involves trouble and time, as well as the problem of illegal use of the credit due to forgery.

The present invention has been made in view of such conventional problems, and performs processing operations such as selection of a return method at the time of a credit contract, identification of an individual, and creation of a contract between a member store and a credit company. It is an object of the present invention to provide a credit contract system and a method capable of performing processing efficiently by automating the online processing as much as possible.

[0013]

FIG. 1 is a diagram illustrating the principle of the present invention. According to the present invention, as shown in FIG.
Terminals 16 and 18 installed in the Internet are connected by a communication line such as the Internet 14, and when a member purchases a product from a member store, a contract procedure with a credit company from application for a credit contract to creation of a contract at least. Is a credit contract system that processes online.

With respect to such a credit contract system, the present invention provides a payment condition determining unit 40, an identity verification unit 42,
A contract application unit 44 and a contract creation unit 46 are provided. here,
The payment condition determination unit 40 calculates the payment amount when the credit contract is concluded with the credit company based on the payment condition input by the member for the price of the purchased product and the rate notified from the credit company.

The identity verification unit 42 performs identity verification using the IC card 20 held by the member, and acquires personal information necessary for a credit contract from the host system 12 based on the identity verification. The contract application unit 44 includes a payment condition determination unit 4
The payment condition determined in step 0 and the personal information confirmed by the identity verification unit 42 are transmitted to the host system 12 to apply for a credit contract. Further, the contract creation unit 46 creates a contract based on the application information, and prints out the contract 25 when approval of the examination started based on the contract application is obtained.

In such a credit contract system of the present invention, the member only needs to input desired payment conditions.
The payment amount at the time of contract is automatically presented, and the refund method can be selected and determined more efficiently.

[0017] In addition, identification by using an IC card eliminates the need to send a copy of a driver's license, health insurance, or the like, thereby facilitating reliable identification. Further, when an application is made, the contract data is sent from the credit company and printed out, so that the trouble of handwriting the contract is eliminated, and the automation and efficiency of the contract creation can be made possible.

Further, according to the present invention, the ID issued once after confirming the identity of the applicant once, such as mailing it by registered mail.
For those who have a C card, identity verification is omitted. In addition, since an IC card is used as a medium for verifying identity, counterfeiting is more difficult than other identification cards. Robust, so identity is more assured.

Here, the host system 12 notifies the payment condition determination unit 40 of the rate on a member store basis, product basis, or individual basis. The terminals installed at the member stores are composed of at least two member terminals 18 used by the members and member terminals 16 used by the member stores.
0 and input / output by the identity verification unit 42 are performed only by the member terminal 18. Therefore, when applying for a credit contract, the member store does not see information on the privacy of the member, and the privacy of the member can be protected.

In this case, the member store terminal 16 can refer to the management information indicating the progress of the examination started based on the contract application.

For data transmission between the terminal 16 and the terminal 18 of the member store and the host system 12 of the credit company,
Encrypt transmitted data to increase security. That is,
The transmitting side converts the source data into the first encrypted data using the transmitting side private key and combines it with the same source data, further converts this combined data into the second encrypted data using the receiving side public key, and 3 is transmitted in combination with the certificate including the sender's public key issued by the third party.

The receiving side decrypts the second encrypted data with the receiving side private key to restore the first encrypted data and the source data, and performs the first encryption with the transmitting side public key obtained from the received certificate. The data is decrypted and compared with the transmission source data, and when the matching check is obtained, the decrypted transmission source data is processed as correct data.

Further, according to the present invention, a terminal installed at a member store is connected to a host system installed at a credit company via a communication line, and when a member purchases a product from the member store, at least a contract from a credit contract application is made. The present invention provides a credit contract method in which a contract procedure with a credit company up to the writing of a document is processed online. The procedure is as follows.

A payment condition determining step of calculating a payment amount when a credit contract is concluded with the credit company based on a payment condition input by the member with respect to the price of the purchased product and a rate notified from the credit company; An identity verification process in which personal identification necessary for a credit contract is obtained from the host system based on the identity verification using the IC card held by the user; the payment conditions determined in the payment condition determination process and the personal information confirmed by the identity verification department Application process for applying for a credit contract by sending a contract to the host system; creating a contract based on the application information, and printing out the contract when the approval of the examination started based on the contract application is obtained Step;

[0025]

DESCRIPTION OF THE PREFERRED EMBODIMENTS <Table of Contents> 1. System configuration 2. Online processing Encrypted transmission System Configuration FIG. 2 shows an embodiment of a system configuration of a credit contract system according to the present invention. 2, the credit contract system of the present invention includes a member store terminal system 10 and a credit company host system 12, both of which are connected by a communication line using the Internet 14 or the like.

In the member store terminal system 10, two member store terminals 16 and member terminals 18 are installed in the member store 1, and are connected to the Internet 14 by the router 15. The member store terminal 16 is a terminal operated and viewed by the person in charge of the member store 1, and cannot be viewed by the member 2 as a customer. On the other hand, the member terminal 18 is a terminal operated and viewed by the member 2 as a customer. When the member 2 operates, the person in charge of the member store 1 cannot see.

More specifically, the member store terminal 16 is arranged at the front of the member store 1 or the like with the screen facing the member store staff member, whereas the member terminal 18 is a customer at the front of the member store. It is arranged with the screen facing the member side. A smart access 2 is connected to a member terminal installed in the member store 1, and an IC card 20 held by the member 2 is provided.
Can be set for I / O access. Also, a printer 24 is connected to the member store terminal 16, and the contract 2 of the credit contract that has been processed online is completed.
5 can be printed out.

The member store terminal 16 has a WWW browser 26 and a server 34 on the credit company host system 12 side.
Is provided with a member store applet 28, which is an application program for processing an online credit contract downloaded by accessing a homepage provided in the store.

The member terminal 18 has a WWW browser 26 and a server 34 on the credit company host system 12 side.
Is provided with a member applet 30 which is an application program for processing an online credit contract downloaded by accessing a homepage provided in.

The member applet 30 has a simulation function for online credit contract and an IC card 2.
0, personal information is acquired from the credit company host system 12 based on the personal identification, and a credit contract is made when the member 2 makes an application by deciding payment conditions by simulation using the member terminal 18. Is transmitted to the credit company host system 12 necessary for the application of the application.

Thereafter, the member store applet 28 creates a contract based on the contract data sent from the credit company host system 12 and further approves the approval sent from the credit company host system 12. Based on the operation of the printer 24, the contract 25 is printed out.

On the other hand, the credit company host system 12
Is a router 3 for ISDN installed in credit company 3
2, a server 34, a host 36, and an examination system 38. The server 34 is the W of the member store terminal system 10.
It has a home page accessible by the WW browser 26, and downloads the member store applet 28 and the member applet 30 to the member store terminal system 10 based on a download request from the WWW browser 26.

The server 34 receives and processes various information associated with the online credit contract from the member applet 30 provided in the WWW browser 26 of the member terminal 18, manages the information and requests the host 36 to search for the requested information. The information obtained by the search request is transferred to the member terminal 18.

More specifically, the server 34 receives two requests from the member terminal 18 for requesting a search for member personal information and a credit contract application. As for the personal information search request, a search request is made to the host 36 to obtain the corresponding personal information, and the acquired personal information is transferred to the member terminal 18.

At the same time as receiving the credit contract application, a request for examination is made to the terminal 38 of the examination system 37, and the examination person 39 conducts examination. Upon receiving the examination result from the examination system 37, the server 34 transfers the contract data to the member store terminal 16 and causes the contract document 25 to be printed out.

FIG. 3 is a functional block diagram of the credit contract system shown in FIG. The member applet 30 provided in the member store terminal system 10 includes a payment condition determination unit 4
0 and an identification unit 42 are provided. The member store applet 28 is provided with a contract application unit 44, a contract creation unit 46, and an encryption transmission / reception unit 48.

On the other hand, the credit company host system 12
Is provided with an encryption transmitting / receiving unit 50 and an application processing unit 52. The encryption transmitting / receiving unit 50 and the application processing unit 52 are realized as functions of the server 34 in FIG. For the application processing unit 52, a customer master file 54, a member store master file 56, a rate master file 58, a contract master file 60, and an application master file 62 are provided.
These master files are provided as file systems on the host 36 side in the credit company host system 12 in FIG.

The payment condition determining unit 40 provided in the member applet 30 of the member store terminal system 10 determines whether or not the member has entered into the credit company based on the payment conditions entered by the member and the rate notified from the credit company with respect to the price of the purchased product. It simulates the payment amount when a credit agreement is concluded with a member and assists the member in determining payment terms based on the simulated result.

Here, the rate for determining the payment amount of the credit contract used for the processing of the payment condition determination unit 40 is determined by the credit company host system 1 for each simulation.
Transferring from two sides takes a long time to process,
When the member store terminal 16 is installed, it is set in advance in terms of hardware.

If there is a change in the rate, it is desirable that the person in charge of the credit company visits and changes the setting of the member store conditions including the rate. Also, changes in merchant conditions,
Real-time online processing for downloading conditions in real time may be used. Further, not only member store conditions but also personal conditions can be set as the rate conditions.

Of course, the rate may be changed, for example, on a monthly basis. Therefore, the time schedule is managed and the member store terminal 1 on the first business day of the month or the like is managed.
For the start-up of 6, the credit company host system 12 may transfer member store conditions including the rate online.

The identity verification unit 4 provided in the member applet 30
2 confirms the identity by the IC card 20 held by the member, requests the credit company host system 12 to transfer personal information based on the identity confirmation, and acquires the personal information necessary for the credit contract. The personal information obtained from the credit company host system 12 is displayed on the member terminal 18 in FIG. 2, and if there is a change in the displayed content, it can be corrected.

As shown in FIG. 4, the IC card 20 used for identification by accessing the identification unit 42 includes identification data 64, a secret key 66, a certificate 68, and a public key 7 as shown in FIG.
0 is stored. The personal identification data 64 is data used to confirm that the person holding the IC card 20 is the owner, and stores a personal identification code or the like designated by the individual when the IC card 20 is issued. Have been.

The secret key 66 is a key for encrypting data output from the IC card 20 to the outside in the card.
The certificate 68 is certificate information issued by the credit company, and a public key or the like for further encrypting data that has been encrypted by the secret key 66 and output to the outside is registered.
The public key 70 is a key used to further encrypt data encrypted by the secret key 66 in the card externally.

Referring again to FIG. 3, a contract application unit 44 provided in the member store applet 28 of the member store terminal system 10.
Transmits the payment condition determined by the member using the payment condition determination unit 40 and the personal information confirmed by the identity verification unit 42 to the credit company host system 12 as application data for a credit contract, and applies for a credit contract.

The contract creation unit 46 edits and creates a contract based on the contract data transmitted from the credit company host system 12 in response to the transmission of the application data from the contract application unit 44, Upon receiving the result of the approval / disapproval of the examination started by the credit company host system 12, if the approval is accepted, the contract 25 is printed out together with the approval number (contract number) sent at the same time.

The encryption transmitting / receiving unit 48 encrypts data transmitted to the credit company host system 12 and decrypts received data. The transmission data in the credit contract system of the present invention is double-encrypted by encrypting the transmission data with a secret key and then using a public key. In the member store terminal system 10,
There is a request for personal information by the identity verification unit 42 of the member applet 30 and transmission of contract application data by the contract application unit 44.

For both the personal information request and the contract application, each transmission data is transferred from the personal identification unit 42 to the IC card 20 and the transmission data is encrypted and encrypted by the secret key 66 in the IC card 20 of FIG. Output to the transmission / reception unit 48. The encryption transmission / reception unit 48 adds the original transmission data of FIG. 4 obtained from the IC card 20 to the transmission data encrypted with the secret key 66, and adds the entire combination data to the reception side public key 7
The data is encrypted with 0, and a certificate 68 obtained from an IC card is added and transmitted.

Similarly, the transmission / reception data transmitted from the credit company host system 12 to the member store terminal system 10 is also double-encrypted using the secret key and the public key by the encryption transmission / reception unit 50. That is, personal information is transmitted from the credit company host system 1 in response to a request from the member store terminal system 10, and contract data is transmitted in response to a credit contract application.

The transmission / reception unit 50 encrypts the transmission data of the personal information and the contract, encrypts the transmission data with the secret key, and then combines the transmission data encrypted with the secret key with the original transmission data. It encrypts with the receiving side public key, adds a certificate, and sends it.

For this reason, upon receiving the data from the credit company host system 12, the encryption transmitting / receiving unit 48 first decrypts the received data with the receiving side private key, and further decrypts with the transmitting side public key to obtain the transmitted data. If a match between the transmitted data directly transmitted and the transmitted data decrypted with the public key and the secret key is obtained, the decrypted data is processed as correct data.

The application processing unit 52 of the credit company host system 12 refers to the customer master file 54 in response to the personal information search request from the member store terminal system 10,
The corresponding personal information is obtained and transferred to the member store terminal system 10. Also, when receiving an application by transferring the credit contract application data from the member store terminal system 10,
After storing the contract data in the application master file 62, the contract data is created and transferred to the member store terminal system 10. at the same time,
As shown in FIG. 2, the examination system 37 is requested to start examination.

Here, the credit company host system 12
Each master file provided on the side will be described as follows. FIG. 5 shows a customer master file 54, which contains No. necessary for creating a credit sales contract. Contents corresponding to the item names 1 to 21 are registered for each customer.

FIG. 6 shows a member store master file.
o. Contents corresponding to the item names 1 to 10 are registered for each member store. FIG. 7 shows the contract master file 60, which contains the No. in the credit sales contract. Contents corresponding to item names 1 to 16 are registered for each contract.

FIG. 8 shows the rate master file 58. As shown in FIG. 8A, the rate master file 58 includes a rate file 58A for each member store and a rate file 58 for each product category.
B and customer-specific rate file 58C.

FIG. 8 (B) shows the member store fee rate file 58A.
The rate is stored in correspondence with the member store number. FIG. 8 shows the product genre rate file 58B.
As shown in (C), a rate is registered for each product category divided according to the product number. Further, as shown in FIG. 8 (D), in the customer-specific rate file 58C, a rate is registered for each customer corresponding to the customer number.

These rates are important parameters used by the member who uses the payment condition determination unit 40 of FIG. 3 to calculate the payment amount when deciding the payment conditions of the credit contract. Alternatively, an optimal simulation can be performed by providing each customer. 2. Online Processing FIG. 9 is an explanatory diagram showing a time series of a series of processing procedures in the credit contract system of the present invention shown in FIG. 2 and FIG. As shown in the right column of FIGS. 9 and 10, the credit contract processing procedure using the present invention is divided into a division request processing, a payment condition determination processing, an identity verification processing, a purchase application processing, an examination contract processing, a product delivery sales processing, and the like. Of these, online processing is from payment term determination processing to examination contract processing.

In the division request processing of FIG.
Applies to the person in charge of the member store front 1A for a division request 72 based on a credit contract for the purchased product. In response to the division request 72, the person in charge of the member store front 1A gives a legally defined usage rule explanation 74. Explanation of Terms of Use 7
4 may be performed in writing or may display the terms of use agreement on the display of the member terminal 18 in FIG.

In the next payment condition determination processing, the member 2
A simulation request 76 is performed using the member terminal 18 of the member, and a simulation execution 78 is performed based on the simulation request, and a simulation result such as a payment amount for a payment condition desired by the member is displayed on the member terminal 18.

The member terminal 18 for this simulation
On the side, a pre-process 75 for preliminarily setting necessary conditions such as a rate is performed with the server 34 of the host system 12. According to the simulation request 76 by the member and the result of the simulation 78 accompanying the member, the member decides on the payment condition for the credit contract 8
Perform 0.

The next identity confirmation process is performed in the member terminal 1 shown in FIG.
Smart access 22 connected to IC card 2
By setting 0, the IC card presentation 82 is performed. In this state, the member 2 enters the personal identification number 84 to confirm the identity.
I do. The personal identification is performed by collating the personal identification number input 84 with the personal identification data 64 registered in the IC card.

Upon successful completion of the personal identification, a personal information extraction request 86 is made via the member terminal 18 via the Internet connection 90 to the host system 12 based on the personal identification result. The host system 12 having received the personal information extraction request 86 provides the corresponding personal information by searching the personal information master file, and the personal information is displayed to the member 2 as the personal information extraction result display 88 at the member terminal 18.

In the next contract application process, if there is a correction in the contents of the personal information displayed in the identity verification process, the personal information correction 92 is performed, and if the correction is completed, a contract application 94 is performed. Along with the contract application 92, the decision condition 80 in the payment condition decision process and the corrected personal information are transmitted to the server 34 of the host system 12.

Host system 12 receiving contract application 94
Server 34 makes an examination request 97. At this time Member 2
On the side, take out the IC card 95 and wait for the application result.

Next, in the examination contract processing of FIG.
The host system 12 receives the approval / rejection registration 100, which is the examination result of the examination, and makes a permission / rejection confirmation 102 to the host system 12. In this case, the member 2 is notified 104 that the contract cannot be made if the approval is rejected. On the other hand, if approval is approved, contract creation 110 is performed by outputting to the member store terminal 16 by a printer.

The member 2 signs and seals 112 the approved contract written in this way, and a series of credit sales contract processing is completed. in this case,
The contract to be created is one for each of the member 2 and the credit company 3. Here, the handover to the member 2 is merely a copy of the contract, not the original.

Subsequently, in the merchandise delivery, an account request form is handed over 114 from the member store side in some cases, and a merchandise transfer 118 is performed from the member store to the member 2.

Finally, as a sales process, sending a contract from the member store to the credit company host system 12
2 and then a sales registration 120 is performed.

FIG. 11 is a flowchart of the credit contract processing according to the present invention corresponding to the online credit contract processing from the payment condition determination processing to the examination processing of FIGS. 9 and 10.

First, in step S1, a member inputs desired payment conditions, and a simulation for knowing the payment amount at the time of contract is performed. Based on the simulation result, the member determines payment conditions in step S2. When the payment conditions are determined, the member can perform an identity verification process by setting an IC card and inputting a personal identification number or the like in step S3.

As a result of the personal identification processing, if it is confirmed in step S4 that the user is the principal, the process proceeds to step S5 and subsequent steps. If the identity confirmation processing is not established, step S1
An error notification is made in step 2, and no further processing is performed. If the identity verification processing is passed in step S4, step S5
In step S6, the personal information acquisition process is performed on the credit company host system. If necessary, the member performs the personal information correction process in step S6.

Next, a contract application transmission process is performed in step S7. This transmission process is performed by transferring the payment conditions determined in step S2 and the personal information corrected in step S6 to the credit company host system.

Subsequently, in step S8, contract data from the credit company host system is received, and in step S9
To receive notification of the submission of the review. Examination result is Step S
If the approval is obtained in step 10, the process proceeds to step S11, where the approval number is set as the contract number, and the contract data already received is printed out by the printer. If the approval is rejected in step S10, a notice of refusal to the contract application is given in step S13.

Next, the input / output processing for a credit contract at each of the member terminal 18 and the member store terminal 16 provided in the member store terminal system 10 of FIG. 2 will be specifically described.

FIG. 12 shows the initial screen 124 of the member terminal 18 shown in FIG.
The screen is switched to the simulation input screen 128 of FIG. The member inputs each item displayed on the simulation input screen 128. That is, the user inputs the cash price on Sunday, and then inputs the down payment, the balance, the payment start date, the installment payment method, the number of payments, and the bonus monthly addition payment content as the payment conditions desired by the member.

FIG. 14 shows a simulation input screen 12.
This is an example of a case where a member has made an input for No. 8. If the purchase amount and the payment conditions can be input on the simulation input screen 128, the next screen key 130
By clicking, the simulation for obtaining the payment amount accompanying the credit contract is executed, and the screen is switched to the simulation confirmation screen 132 in FIG.

On the simulation confirmation screen 13, the payment conditions such as cash price, down payment, balance, payment start month, number of payments, and bonus month addition payment are set as confirmation information when a credit contract is concluded. The last month, the installment fee, the installment total, the first installment, the second and subsequent installments are displayed. For example, for the condition input on the simulation input screen 128 as shown in FIG.
The simulation result on the fourth simulation confirmation screen 132 is displayed.

Looking at the result of the simulation confirmation screen 132, if the member does not meet the desired conditions, the member clicks the redo key 134 to return to the simulation input screen 128 of FIG. Is changed and the simulation is performed again.

The simulation confirmation screen 132 shown in FIG.
If the result of (1) matches the payment condition desired by the member, the next screen key 136 is clicked. By this click, the screen is switched to the personal identification screen 138 in FIG.

The identity confirmation screen 138 has a message "Please insert your IC card and enter your personal identification number". Therefore, the member sets the IC card in the smart access 22 as shown in FIG. Use 22 to enter your PIN. If the identity of the user can be confirmed in response to the insertion of the IC card and the input of the personal identification number, a request for obtaining personal information is made to the credit company online system, and the personal information sent from the credit company host system as shown in FIG. Based on the customer information screen 1
40 is displayed.

[0098] Therefore, the member selects the customer information screen 140
, Each item is checked, and if there is a correction, the corresponding item is selected and the correction key 142 is clicked. Modify key 142
When, is clicked, the correction items are reversed in black and white in order from the right column, for example, and a correction value is specified, for example, as the product name at the top of the right column, and the item can be corrected using a keyboard or the like.

If all the items on the customer information screen are correct, the next screen key 144 is clicked. In this case, since “fund transfer” is selected as the payment method, FIG.
The screen switches to the customer account information screen 146 of FIG. Fill in the necessary items on this customer account information screen 146, and if there are no mistakes, click the confirmation / approval key 148, and then click the request form issue key 150 to apply for a credit contract to the credit company host system. .

With this application, the screen is switched to an application end screen 152 in FIG. 20, and the member removes the IC card according to the message “Thank you for the application. Please remove the IC card and wait for a while.” Press to end the series of application operations.

FIG. 21 is a member store menu screen of the member store terminal 16 of FIG.
B, 160C allows selection of any of the approval / disapproval confirmation screen, application list, and simulation screen. When the simulation screen is selected, the operation screens shown in FIGS. 13 to 16 are displayed, and the simulation can be performed on the member store side.

On the member store side, management processing relating to contracts based on the application and approval of credit sales by members is mainly performed, and the screen selection button 160A or 160
B allows the user to view the approval / disapproval confirmation screen or the application list screen. When the member store staff clicks the screen selection key 160A, the screen is switched to a permission / rejection confirmation screen 162 in FIG.

[0086] In the approval / disapproval confirmation screen 162, for each item of the member's name, purchased merchandise, amount, and transmission time,
There are provided confirmation keys 162A, 162B, 162C,... For checking the result of the examination by the credit company. Then, for example, when the confirmation key 162A is clicked, if the approval / rejection is notified at this time, the screen is switched to the approval / rejection screen 168 of FIG. In this case, the member store staff notifies the customer, the member, that the credit contract cannot be made.

In FIG. 22, the confirmation key 162B is clicked. In this case, if the approval result has not been notified for this customer, the screen is switched to the approval town screen 172 in FIG. For this reason, the salesperson in charge informs the customer that the examination is currently underway.

Further, if the confirmation key 162C is clicked in FIG. 22 and the approval approval notice is obtained in this case,
The screen is switched to the approval approval screen 176 of FIG. Then, when the print key 178 is clicked according to the screen message, the contract is printed out by the printer based on the sent contract data.

On the other hand, when the member store staff wants to know the current credit contract application status, the screen changes to the application list screen 164 in FIG. 26 by clicking the screen selection key 160B in FIG.

On the application list screen 164, the customer list 164-1 shows the approval result for the name, product, amount, and transmission time. Also, the customer list 164-1
, A total list 164-2 is displayed, the total amount and number of approvals and rejections at the present time, and the total amount and number of cases are displayed, so that the status of the credit contract in the member store can be grasped reliably and easily. 3. Encrypted Transmission Next, identity confirmation and encrypted transmission in each process accompanying an application for a credit contract between the member store terminal system 10 and the credit company host system 12 in FIG. 3 will be described.

FIG. 27 is an explanatory diagram of the identity confirmation and encryption processing when the credit contract application data is transmitted from the member store terminal system 10 to the credit company host system 12. First, the application data 180 created by the member store terminal system 10 is sent to the IC card 20 and the IC card 2
The encryption 182 is performed using the secret key 66 of 0, and the first encrypted data 184 is created.

[0092] The first encrypted data 184 is data obtained by encrypting the application data 180A with the secret key 66. I
The first encrypted data 184 created in the C card 20 is transferred to the member store terminal system 10, and at the same time, the application data 180A is transferred to the first encrypted data 184 by the public key 70 transferred from the credit company host system 12. The combined data is encrypted 186 with the public key 70
Is performed.

The second encrypted data 188 created by the encryption 186 is entirely encrypted with the public key 70 by combining the first encrypted data 184 with the application data 180B. The second encrypted data 188 contains the IC card 2
0 is combined with the certificate 68 read out from the credit company host system 1 as the transmission data 190.
2 is transmitted 192.

FIG. 28 is a member store terminal system 1 of FIG.
This is the decryption of the credit company host system 12 to which the transmission data 190 has been transmitted from 0 and the transmission processing of the encrypted data created based on the application data.

The transmission data from the member store terminal system 10 is transmitted to the credit company host system 12 by the reception data 1.
Received as 94. The received second decrypted data 188 is decrypted 196 using the secret key to restore the first decrypted data 184 and the application data 180B.

Next, the certificate 6 included in the received data 194
8, the public key is extracted, the first encrypted data 184 is restored by decryption 198, and application data 180A is obtained. The application data 180A obtained through the two-step decryption using the public key and the secret key and the application data 180B decrypted with the public key 70 are compared and collated 200. If the collation matches, a two-stage decryption is performed. Application data 1 obtained by conversion
80A is set as the restoration application data 180C, and in this case, a request for contract creation and examination is made.

Next, the contract data 202 created based on the credit contract application is encrypted and transmitted to the member store terminal system 10. First, the encrypted data 202 is encrypted 206 with the credit company secret key 204. The first encrypted data 208 is created by the encryption 206.
The first encrypted data 208 is data obtained by encrypting the contract data 202A with the secret key 204.

Next, the contract data 202 is combined with the first encrypted data 208, and this is encrypted 212 with the member store public key 210. By this encryption 212, second encrypted data 214 is obtained. Further, a credit company certificate 216 is combined with the second encrypted data 214,
The whole is transmitted 220 to the member store terminal system 10 as transmission data 218.

FIG. 29 shows a reception process when contract data is transmitted from the credit company host system 12 of FIG. The transmission data from the credit company host system 12 is received by the member store terminal system 10 as reception data 222. In the member store terminal system 10, the second encrypted data 214 is decrypted 212 using the member store private key. By this decryption 212, first encrypted data 208 and contract data 202B are obtained.

Next, with respect to the first encrypted data 218, the public key is extracted from the credit company public key certificate included in the received data 222 and decrypted 215 to restore the contract data 202A. The contract data 202A restored with the public key is compared with the contract data 202B already restored with the private key, and the comparison data 216 is compared. If a match is obtained, the contract data restored with the public key 210 and the secret key 204 is obtained. 202A Restore contract data 202C
And then use it to print the contract when approval is received.

FIGS. 27 to 29 show an example of the identity confirmation and the encryption transmission / reception in the credit contract application from the member store to the credit company. However, the identity confirmation and the personal information performed before the credit contract application are performed. In the acquisition process, the identity verification and the encrypted transmission / reception are performed in the same manner.

FIG. 30 shows the IC card 20 in FIG.
Is a flow chart of encrypted transmission of personal conviction and application data using the method shown in FIG. First, in step S1, when the IC card receives an identification request from the member store terminal, in step S2 the personal identification data, for example, a personal identification number input from the member store terminal is collated with the identification data in the IC card. If the verification match is obtained in step S4, the identity confirmation is notified to the member store terminal in step S4.

In response to the notification of the identity confirmation, the application data for the credit contract is transferred from the member store terminal side, so in step S5 the application data is encrypted with the secret key of the IC card, and the member data is joined as the first encrypted data. Output to the store terminal. Further, in step S6, the certificate and the public key stored in the IC card are output to the member store terminal, and a series of identity verification processing is terminated. On the other hand, if no collation match is obtained for the personal identification data in step S3, step S7
And an error notification is made, and the processing of steps S3 to S6 is skipped.

By such identity verification using an IC card, the fax transmission of a copy of a driver's license or a health / health card for identity verification to a credit company, which was performed under a conventional credit contract, becomes unnecessary. All data sent from the member store to the host system has been verified by an IC card. For this reason, it is possible to prevent an accident of applying for a credit due to lending other than the principal.

FIG. 31 is a flowchart of data transmission processing based on personal identification using an IC card and data reception processing from a credit company host system in the member store terminal system 10 in FIGS. 27 and 28.

First, in step S1, personal identification data is stored in an IC
When the personal identification notification is received from the IC card in step S2, the application data of the credit contract is transferred to the IC card in step S3. Then, step S4
First, the application data is encrypted with the secret key in the IC card
It waits for reception of the encrypted data, and if it receives the first encrypted data, it waits for a certificate and a public key from the IC card in step S5.

Upon receiving the certificate and the public key, step S
In step 6, the first encrypted data is combined with the application data and encrypted with the public key to generate second encrypted data, and further combined with the certificate and transmitted to the host.

Subsequently, in step S7, reception from the host system is checked.
The second encrypted data received in step 8 is decrypted with the secret key, and the contract data and the first encrypted data are restored. Next, in step S9, the first encrypted data is decrypted with the public key extracted from the received certificate to restore the contract data, and is compared with the contract data already restored with the public key.

If a match is obtained in step S1 for the comparison and collation, the contract data restored in step S11 is processed. If the collation does not match, step S12
Is an error notification.

FIG. 32 is a flowchart of a host process involving decryption of received data and encryption of transmitted data in the credit company host system 12 of FIG.

First, if there is a rate transfer request from the member store in step S1, a rate master file is searched in step S2, and the corresponding rate is returned. If there is a transfer request for personal information from the member store terminal in step S3, step S3
In step 4, the customer master file is searched and corresponding personal information is returned.

If a credit contract is applied from the member store terminal in step S5, the credit contract is stored in the application master file in step S6, then an examination is requested in step S7, a contract is created in step S8, and the member store terminal is created. Send to Subsequently, the result of the examination is checked in step S9, and if there is a result, the examination result is transmitted to the member store terminal in step S10. Further, if necessary, other processing is performed in step S11, and the processing from step S1 is repeated until there is a processing end instruction in step S12.

The decryption of the data received from the member store terminal and the encryption of the data transmitted to the member store terminal in the host process are the same as the encrypted transmission and reception of the member store terminal shown in FIG. 31 using the secret key and the public key. It is.

If it is determined from the contents of the customer information screen 140 in FIG. 18 that a joint guarantor is required for the credit contract, the screen is switched to the application end screen 152 in FIG. For example, a message such as "A joint guarantor is required. Please contact the member store's representative." Is displayed as the end screen message, and the online contract processing is ended.

Further, in the above embodiment, the processes from the payment condition determination process to the contract creation 106 of the examination process in FIGS. 9 and 10 are performed online, but the signature and seal of the contract can be omitted. in case of,
It is unnecessary to send a copy 122 of the contracted contract. As a result, the credit sales contract between the member at the member store and the credit company host system 12 can be completely online.

Further, the present invention includes appropriate modifications within a range that does not impair the objects and advantages thereof, and is not limited by the numerical values shown in the above embodiments.

[0117]

As described above, according to the present invention, it is possible to process online a contract procedure with a credit company from application of a credit contract of a member as a customer at a member store to at least creation of a contract. This eliminates the need for exchanges between the merchant and the credit company, which used to be done by facsimile or telephone, so that the credit contract procedure can be performed efficiently, and the purchase of products and services provided by the credit contract becomes smoother, and a wide range of credits can be obtained. Sales by contract can be realized.

The member who intends to make a credit contract inputs the desired payment conditions using a member-dedicated terminal, whereby the payment amount at the time of the contract is automatically presented, and the member's return method is determined. Choices and decisions can be made quickly and appropriately. Furthermore, identity verification in a credit contract is automatically performed by using an IC card, and it is not necessary to send a copy of a driver's license or a health insurance card to a credit company, so that a secure identity verification can be easily performed. Accidents due to lending can be prevented beforehand.

In addition, the contract data is sent from the credit company in response to the member's online application for the credit contract, and the contract is printed out based on the approval of the examination. This eliminates the trouble of handwriting the contract. Achieve automation and efficiency in contract creation.

[0120] In addition, since a member can apply for a credit contract at a member store using a terminal provided exclusively for the member at the member store, when applying for a credit contract, the member sends all information regarding his / her privacy to the member store. There is no need to show it, and you can proceed with the credit contract without worrying about losing the privacy of members.

Further, for data transfer between the member store terminal and the credit company host system, double encryption using a secret key and a public key is performed, and the security of transmission data is enhanced by this encryption. Can be. In addition, about the data transmitted from the member store, once IC
The data is transferred to the card, encrypted with the private key in the IC card, and then sent to the member store terminal and encrypted with the public key. Because the secret key is used for encryption, even if the application data and personal information are sent to the credit company online system via the member store terminal, the contents cannot be known at the member store terminal. Privacy can be more reliably protected.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating the principle of the present invention.

FIG. 2 is a system configuration diagram of the present invention.

FIG. 3 is a block diagram of the system function of the present invention.

FIG. 4 is an explanatory diagram of an IC card used in the present invention.

FIG. 5 is an explanatory diagram of a customer master file of FIG. 3;

FIG. 6 is an explanatory diagram of a member store master file of FIG. 3;

FIG. 7 is an explanatory diagram of a contract master file of FIG. 3;

FIG. 8 is an explanatory diagram of the rate master file of FIG. 3;

FIG. 9 is an explanatory diagram showing the processing procedure of the credit contract according to the present invention in chronological order.

FIG. 10 is an explanatory diagram of a processing procedure following FIG. 9;

FIG. 11 is a flowchart of an online credit contract process according to the present invention.

FIG. 12 is an explanatory diagram of an initial screen in the member terminal of FIG. 2;

FIG. 13 is an explanatory diagram of a simulation input screen in the member terminal of FIG. 2;

14 is an explanatory diagram of an input example on the simulation input screen of FIG.

FIG. 15 is an explanatory diagram of a simulation confirmation screen in the member terminal of FIG. 2;

FIG. 16 is an explanatory diagram of a simulation confirmation screen for an input example of the simulation input screen of FIG. 13;

FIG. 17 is an explanatory diagram of an identification screen on the member terminal of FIG. 2;

FIG. 18 is an explanatory diagram of a customer information screen obtained along with the identity verification of FIG. 17;

FIG. 19 is an explanatory diagram of a customer account information screen following the customer information screen of FIG. 18;

FIG. 20 is an explanatory diagram of an application end screen on the member terminal of FIG. 2;

FIG. 21 is an explanatory diagram of a member store menu screen in the member store terminal of FIG. 2;

FIG. 22 is an explanatory diagram of an approval / disapproval confirmation screen selected in FIG. 21;

FIG. 23 is an explanatory diagram of an approval rejection screen when a specific confirmation key is selected on the screen of FIG. 22;

FIG. 24 is an explanatory diagram of an approval waiting screen when a specific confirmation key is selected on the screen of FIG. 22;

FIG. 25 is an explanatory diagram of an approval approval screen when a specific confirmation key is selected on the screen of FIG. 22;

FIG. 26 is an explanatory diagram of an application list screen selected in FIG. 21.

FIG. 27 is an explanatory diagram of identity verification using an IC card and encrypted transmission of application data from a member store terminal.

28 is an explanatory diagram of decryption reception of encrypted transmission data of FIG. 27 on the host side and encryption transmission of contract data.

29 is an explanatory diagram of decryption of the encrypted data of FIG. 28 at the member store terminal side.

FIG. 30 is a flowchart of the IC card processing in FIG. 27;

FIG. 31 is a flowchart of an encryption transmission / reception process of the member store terminal in FIGS. 27 and 29;

FIG. 32 is a flowchart of an encryption transmission / reception process on the host side in FIG. 28;

[Explanation of symbols]

 1: Member store 2: Member (consumer) 3: Credit company 10: Member store terminal system 12: Credit company host system 14: Internet (communication line) 15, 32: Router 16: Member store terminal 18: Member terminal 20: IC card 22: Smart access 24: Printer 25: Contract 26: WWW browser 28: Merchant applet 30: Member applet 34: Server 36: Host machine 38: Examination system 40: Payment condition determination unit 42: Identity verification unit 44: Contract application section 46: Contract creation section 48, 50: Encryption transmission / reception section 52: Application processing section 54: Customer master file 56: Member store master file 58: Rate master file 60: Contract master file 62: Application master file 64: Principal Confirmation data 66: Private key 68: Certificate 70: Public 124: Initial screen 126: Execution key 128: Simulation input screen 130, 134, 144: Next screen key 132: Simulation confirmation screen 134: Redo key 138: Identity confirmation screen 140: Customer information screen 142: Correction key 146: Customer account information Screens 148, 154: Approval key 150: Request form issuance key 152: Application end screen 160: Membership menu screen 160A to 160C: Screen selection key 162: Acceptance decision screen 162A to 162A: Confirmation key 164: Application list screen 164 1: customer list 164-2: example list 166: return key 168: approval rejection screen 170, 174: end key 172: approval waiting screen 176: approval approval screen 178: print key 184, 208: first encrypted data 188, 214: Second darkness Data 190,218: Transmit data 194,222: Receive data

Continued on the front page (72) Inventor Yoshiki Kurosawa 4-1-1 Kamikadanaka, Nakahara-ku, Kawasaki City, Kanagawa Prefecture Inside Fujitsu Limited (72) Inventor Hikaru Wakabayashi 4-1-1 Kamikadanaka, Nakahara-ku, Kawasaki City, Kanagawa Prefecture No. Within Fujitsu Limited (72) Inventor Takayuki Ohara 3-1-1 Higashiikebukuro, Toshima-ku, Tokyo Inside Orient Corporation (72) Inventor Daisuke Ishii 3-1-1 Higashiikebukuro, Toshima-ku, Tokyo Orient Co., Ltd. Within the Corporation (72) Inventor Koji Oketani 3-1-1, Higashiikebukuro, Toshima-ku, Tokyo F-term within the Orient Corporation 5B049 AA05 AA06 BB11 CC39 DD04 EE23 EE41 FF02 GG02 GG04 GG07 GG10

Claims (6)

[Claims] [Claim 1] A terminal installed in a member store is connected to a host system installed in a credit company via a communication line, and when a member purchases a product from the member store, from application for a credit contract to creation of a contract at least. In a credit contract system for processing a contract procedure with a credit company online, the credit company based on the payment terms entered by the member for the price of the purchased product and the rate notified from the credit company. A payment condition determining unit for calculating a payment amount when a credit contract is concluded with the member, and performing identity verification using an IC card held by the member,
An identity confirmation unit for acquiring personal information necessary for a credit contract from the host system based on the identity confirmation; and a payment condition determined by the payment condition determination unit and personal information confirmed by the identity confirmation unit to the host system. A contract application unit for applying for a credit contract by transmitting the contract, creating a contract based on the application information, and printing the contract when the approval of the examination started based on the contract application is obtained; And a credit agreement system. 2. A credit contract system according to claim 1, wherein said host system notifies said payment condition determination unit of a charge rate for each member store, each product, or each individual. system. 3. The credit contract system according to claim 1, wherein the terminals installed at the member store are at least two members: a member terminal used by the member and a member terminal used by the member store. A credit contract system, wherein input and output by the payment condition determination unit and the identity verification unit are performed only by the member terminal. 4. The credit contract system according to claim 3, wherein the member store terminal and the member terminal can refer to management information indicating the progress of the examination started based on the contract application. And credit contract system. 5. The credit contract system according to claim 1, wherein, for data transmission between the terminal of the member store and the host system of the credit company, the transmitting side uses the transmitting side private key to transmit the source data. 1 is converted into encrypted data and combined with the transmission source data, and the combined data is further converted into second encrypted data with a receiving side public key and combined with a certificate including the public key issued by the credit company. The receiving side decrypts the second encrypted data with the receiving side private key to restore the first encrypted data and the source data, and uses the public key obtained from the received certificate to perform the first encryption. A credit contract system for decoding data, comparing the data with the transmission source data, and processing the decoded transmission source combination data as correct data when a matching check is obtained. . 6. A terminal installed at a member store is connected to a host system installed at a credit company via a communication line, and when a member purchases a product from the member store, from application for a credit contract to creation of a contract at least. In a credit contract method of processing a contract procedure with a credit company online, the credit company based on the payment terms entered by the member for the price of the purchased product and the rate notified from the credit company. A payment condition determining process of calculating a payment amount when a credit contract is concluded with the member, and performing identity verification using an IC card held by the member,
An identity confirmation step of acquiring personal information necessary for a credit contract from the host system based on the identity confirmation; and the payment condition determined in the payment condition determination step and the personal information confirmed by the identity confirmation unit to the host system. A contract application process of transmitting and applying for a credit contract, and a contract creation for creating a contract based on the application information and printing out the contract when approval of the examination started based on the contract application is obtained. And a credit contract method.