JP2008046995A - Automatic contract system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic contract system for reducing operation costs by improving a service to a customer and improving the operation rate of an automatic contract machine, and for achieving the increase in earnings from earnings from a questionnaire client. <P>SOLUTION: This automatic contract system 100 is provided with: an automatic contract machine 4 equipped with an operation part and a display part for concluding a financing contract with a customer; and a work flow server 1 connected to the automatic contract machine 4 for managing examination relating to the validity/invalidity of financing based on input information by the customer. The server 1 is provided with an examination control part 5 for carrying out examination about the validity/invalidity of financing about the customer; and a questionnaire control part 6 for selecting and transferring prescribed questionnaire information to the automatic contract machine 4 under examination about the customer by the examination control part 5. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic contract system. More specifically, the present invention provides survey information to a customer by utilizing a free time during contract review performed based on a contract application made using an automatic contract machine. The present invention relates to an automatic contract system for obtaining answers to questionnaires.

In the financial industry such as consumer finance, automatic contract machines that can contract with customers in unmanned stores are installed at each base for the purpose of protecting user privacy and reducing labor costs. is doing. Customer reception is carried out at an adjacent store or an operator of a central reception center, and the customer space is a complete private room. While the customer is protected from privacy, they cannot receive face-to-face customer service, so the customer simply has to wait while the operator reviews at the reception. Under these circumstances, financial institutions that have introduced automatic contracting machines are faced with a problem of shortening the reception time including examination in order to improve services.
In addition, as consumer preferences diversify, the need for research on groups with specific attributes in marketing research is increasing. In such a questionnaire survey, not only labor and cost are required to collect survey opportunities and the number of required responses, but it is difficult to ensure the accuracy of the data with the attribute of the declaration. It is.

As a prior art for promoting use, Patent Document 1 discloses that a branch A computer is installed in a branch A where an ATM is installed, and the branch A computer is managed by an information host computer. When executing authentication / settlement processing with a computer, the branch A computer starts displaying a questionnaire for the customer on the ATM, and obtains an answer to the questionnaire from the customer. A questionnaire acquisition method for transmitting the contents of an acquired questionnaire response to an information host computer is disclosed.
JP 2005-11132 A

However, one factor that hinders the promotion of the use of conventional automatic contract machines is that it takes about 40 to 50 minutes from the start of an application using an automatic contract machine to the conclusion of the contract. On the other hand, the time during which the customer is working for input is 20 to 30 minutes, and there is a problem that the customer feels waiting for the time when there is no work. Since the time taken for each customer is not constant, it is not possible to provide the customer with information (waiting time) about how long to wait.
Furthermore, the financial institution operating the automatic contract machine is also wasting time to obtain useful information from the customer who is using the automatic contract machine or to provide useful information to the customer. .
In addition, since the conventional technique disclosed in Patent Document 1 is a method in which a customer answers a questionnaire unilaterally given on an ATM by a branch office A computer, a customer will seriously answer a questionnaire that the customer is not interested in. Otherwise, the credibility of the questionnaire results may be low.

In view of such problems, the present invention is based on the attributes of the contractor and credit information so that a customer who makes a contract using an unattended automatic contract machine effectively uses the waiting time during the contract review. For marketing purposes, the customer information is quickly provided to the contractor who has the desired attributes of the survey client, thereby improving the service to customers and thereby improving the availability of the automatic contractor. It is an object of the present invention to provide an automatic contract system that reduces operating costs and realizes an increase in revenue due to income from a questionnaire client.
Another object is to increase the credibility of questionnaire results by quickly providing optimal questionnaire information by effectively utilizing customer credit information as well as customer attribute information.

In order to solve such a problem, the present invention provides an automatic contract machine provided with an operation display unit for concluding a loan contract with a customer, and the customer connected to the automatic contract machine. An automatic contract system comprising: a server that conducts an examination on whether or not a loan is permitted based on input information, wherein the server performs an examination on whether or not a loan is available for the customer; and the examination control unit And a questionnaire control unit for transferring predetermined questionnaire information to the automatic contract machine during the screening for the customer, and using the time until the screening is completed, the predetermined questionnaire information is transferred to the automatic contract machine. It transfers and displays on the said operation display part.
The automatic contract system of the present invention includes an automatic contract machine and a server that controls the automatic contract machine. The server is composed of an examination control unit that examines the contract and a questionnaire control unit that selects questionnaire information and transfers it to the automatic contract machine. Is to provide. Thereby, the customer can spend waiting time effectively by answering a questionnaire at the time under examination.

  According to a second aspect of the present invention, the examination control unit includes a customer information recording unit that records customer information input from the automatic contract machine, a credit determination unit that performs a credit determination of a customer based on the customer information, A customer information database for storing the customer information, wherein the questionnaire control unit stores a questionnaire database for storing a questionnaire to be displayed on the automatic contract machine, the customer information, a credit determination result by the credit determination means, and others. Questionnaire selection means for selecting the questionnaire information stored in the questionnaire database based on the additional information, questionnaire transfer means for transferring the questionnaire information selected by the questionnaire selection means to the automatic contract machine, and the automatic contract Questionnaire result recording means for recording the questionnaire results answered by the machine, Characterized in that it comprises a questionnaire result database for storing the survey result.

  The examination control unit temporarily stores the customer information input from the automatic contract machine in the customer information recording means, makes a credit decision based on the information, and when that is completed, the customer information is stored in the customer information database. The questionnaire control unit stores the questionnaire information requested by the questionnaire client in the questionnaire database, selects the questionnaire information from the database based on the credit determination result and other additional information, and selects the selected questionnaire. Transfer the information to the automatic contract machine. Thereby, the credit information necessary for the examination can be effectively used as a condition for selecting the questionnaire, and the optimal questionnaire information can be promptly provided to the customer.

According to a third aspect of the present invention, the questionnaire selecting means includes at least one of customer sex, job type, age, address, annual income, family structure, etc. in the customer information.
A method of storing customer attributes as customer information is effective as one method for selecting questionnaire information. Therefore, it is important that the attributes are classified as detailed as possible. Thereby, customer attributes can be accurately reflected in the selection conditions.

According to a fourth aspect of the present invention, the questionnaire selection means includes at least one of season information and time information in the additional information.
In addition to attributes, customer behavior depends on the season and time. Therefore, by storing the season and time conditions as additional information, it is possible to reflect season information and time information that affect customer behavior in addition to attributes.

According to a fifth aspect of the present invention, the questionnaire control unit determines whether the installation location of the automatic contract machine operated by the customer is closer to the customer's home, residence or work place, and the questionnaire located closer to the automatic contract machine The questionnaire information from the client is selected by the questionnaire selection means.
For example, it is important to know whether the installation location of the automatic contract machine used by the customer is close to the place of residence or close to the workplace. That is, when operated from an automatic contracting machine close to the place of residence, there is a high possibility that the customer is not on duty. Therefore, it should be more likely that the customer's interest will be displayed if the questionnaire information of the questionnaire client who is in close contact with the area where he lives is displayed. Thereby, the questionnaire information according to a customer's action can be provided exactly.

According to a sixth aspect of the present invention, the questionnaire control unit narrows down customer attributes included in the customer information and selects optimal questionnaire information by the questionnaire selection unit.
Attributes include, for example, gender, occupation, age, address, annual income, family structure, and the like. Therefore, the customer's attributes are combined and narrowed down, and finally the optimum questionnaire information is selected. At this time, since the result of narrowing down may change by changing the combination, it is necessary to consider a plurality of combinations. Thereby, it is possible to provide a questionnaire that accurately reflects the customer attributes.

According to a seventh aspect of the present invention, the server transfers the questionnaire information selected by the questionnaire selection means to the automatic contract machine by the questionnaire transfer means using the time until the examination is completed, and the automatic contract machine When the examination is completed while answering the questionnaire information displayed on the operation display unit, the completion of the examination is waited until the answer is finished.
Conventionally, since the display of these questionnaire information only uses the time during the examination, when the examination is completed, the questionnaire information is interrupted even during the display of the questionnaire information. In order to eliminate this, the present invention does not interrupt the display of the questionnaire information when the questionnaire information is being answered, and continues until the answer to the questionnaire information is completed. Thereby, it is possible to prevent the answer of the questionnaire information from being interrupted, sufficiently convey the contents of the questionnaire information to the customer, and increase the response collection rate.

  Claim 8 is an automatic selection mode in which the questionnaire selection means automatically selects questionnaire information stored in the questionnaire database based on a credit judgment result by the credit judgment means and other additional information; and Optional selection mode for selecting survey information stored in the survey database based on customer input information, and a requester for selecting survey information stored in the survey database according to selection conditions set by the survey requester Mode selection means for selecting any one of the selection modes, and when the arbitrary selection mode is selected by the mode selection means, the customer inputs the questionnaire desired by inputting the field of the questionnaire desired by the customer Subsequent selection is limited to the field and the automatic selection mode is entrusted. Luke, or, characterized in that whether to continue the optional mode is selectable.

  The questionnaire selection means includes mode selection means for selecting three modes: an automatic selection mode, an arbitrary selection mode, and a requester selection mode. Here, when the arbitrary selection mode is selected, the customer inputs the field of the questionnaire that he / she wants to see (for example, a car or the like), and starts the selection limited to that field. At this time, if it is bothersome to input information such as attributes thereafter, it can be left to the automatic selection mode. Thereby, since the field of a questionnaire is limited, the selection range can be narrowed and the selection speed can be increased.

According to a ninth aspect of the present invention, when the client selection mode is selected by the mode selection unit, questionnaire information is selected unconditionally based on a selection condition set by the client.
The requester of the questionnaire hopes that the requested questionnaire is selected by the customer group that wants to answer most. Accordingly, since the selection conditions are set only for the customer segment, it is not preferable to change the setting conditions. Therefore, in the present invention, when the client selection mode is selected, the questionnaire information is selected based on the selection condition set by the client unconditionally. Thereby, questionnaire information that sufficiently reflects the request of the questionnaire client can be provided.

According to a tenth aspect of the present invention, when the server determines that the contract is acceptable, the server issues a copy of the application form and a card to the customer, and displays more detailed questionnaire information on the operation display unit. Detailed display selection means for selecting whether to perform or not is provided.
For customers who are determined to be able to sign a contract and have reached a contract, they can increase their interest in the goods and services by answering a more detailed questionnaire.

In the eleventh aspect of the present invention, when the more detailed questionnaire information is displayed by the detailed display selection unit, the server gives points to the customer, or purchased goods and services related to the questionnaire information. A customer service means for providing a predetermined discount from the price is provided.
When a customer answers a more detailed questionnaire, as a next step, as a thank to the customer, a point discount is given or a predetermined discount is given from the price of purchased goods or services. Thereby, a customer can be secured as a repeater customer.

12. The server according to claim 12, wherein the server includes answer selection means that allows the customer to select whether or not to answer the questionnaire, and when the answer selection is selected by the answer selection means, an application form is sent to the customer. It is characterized by issuing a memorandum and issuing a card.
Since not all customers reply to the questionnaire, the present invention enables selection of whether or not to answer the questionnaire. Thereby, it is possible to carry out the questionnaire only for customers who are willing to answer the questionnaire, and the credibility of the questionnaire answer can be further enhanced.

  According to the present invention, an automatic contract machine provided with an operation unit and a display unit for concluding a loan contract with a customer, and the automatic contract machine connected to the automatic contract machine and based on input information by the new customer An automatic contract system comprising: a server that controls examination regarding admissibility; an examination control unit that examines whether or not a customer can be loaned; and an automatic check during the examination of the customer by the examination control unit. A questionnaire control unit for transferring predetermined questionnaire information to the contract machine, and using the time until the examination is completed, the predetermined questionnaire information is transferred to the automatic contract machine and displayed on the operation display unit. By answering the questionnaire at the time under review, the waiting time can be effectively spent and a predetermined service can be obtained. It can also be implemented in the same way when reviewing contract changes for existing customers.

Hereinafter, the present invention will be described in detail with reference to embodiments shown in the drawings. However, the components, types, combinations, shapes, relative arrangements, and the like described in this embodiment are merely illustrative examples and not intended to limit the scope of the present invention only unless otherwise specified. .
FIG. 1 is a schematic configuration diagram of an automatic contract system according to an embodiment of the present invention. This automatic contract system 100 is connected to an automatic contract machine 4 (details will be described later) having an operation display unit for concluding a loan contract with a customer, and input by the new customer by connecting to the automatic contract machine 4 A workflow server (hereinafter simply referred to as a server) 1 that performs examination on whether or not a loan is permitted based on the information, and the server 1 examines whether or not the loan is acceptable for the customer, and examination control. The questionnaire control unit 6 is configured to select and transfer predetermined questionnaire information to the automatic contract machine 4 during the examination of the customer by the unit 5.

  In addition, the examination control unit 5 includes customer information recording means 7 for recording customer information input from the automatic contract machine 4, credit determination means 8 for making a credit judgment of the customer based on the customer information, and a plurality of customer information. Customer information database (hereinafter referred to as DB) 9, and the questionnaire control unit 6 performs a credit determination by a questionnaire DB 16 for storing a questionnaire to be displayed on the automatic contract machine 4, and customer information and credit determination means 8. A questionnaire selection means 13 for selecting the questionnaire information stored in the questionnaire DB 16 based on the result and other additional information, and a questionnaire transfer means 14 for transferring the questionnaire information selected by the questionnaire selection means 13 to the automatic contracting device 4. And questionnaire result recording means 15 for recording the questionnaire results answered by the automatic contracting machine 4 and the answered questionnaire The survey results DB17 to store the door a result, has a. The server 1 is connected to the terminal 3 through the network 2 since the questionnaire.

  The automatic contract system 100 according to this embodiment includes an automatic contract machine 4 and a server 1 that controls the automatic contract machine 4. The server 1 includes an examination control unit 5 that examines a contract, and a questionnaire control unit 6 that selects questionnaire information and transfers the questionnaire information to the automatic contract machine 4. It provides optimal questionnaire information to customers. Then, the examination control unit 5 temporarily stores the customer information input from the automatic contract machine 4 in the customer information recording means 7, makes a credit judgment based on the information, and when that is completed, the customer information is stored in the customer information DB 9. Stored. Further, the questionnaire control unit 6 stores the questionnaire information requested by the questionnaire client in the questionnaire DB 16, and the questionnaire selection means 13 obtains the questionnaire information from the questionnaire DB 16 based on the credit determination result and other additional information. The selected questionnaire information is transferred to the automatic contract machine 4 by the questionnaire transfer means 14.

  FIG. 2 is a schematic diagram for explaining an operation in which the questionnaire selection means of the present invention selects a questionnaire from customer attributes. Here, an example of what kind of questionnaire is displayed by each term will be described. The work place 20 is an attribute (job type) of the customer's work place. For example, when the job type is sales, a sales-related book or a business shoe questionnaire is displayed. Display magazines and questionnaires on high fuel consumption sales vehicles. The gender 21 represents a gender distinction. In the case of a male, a questionnaire regarding products for men is displayed. In the case of a female, a questionnaire regarding products for women (for example, cosmetics and commercials for new products) is displayed. . The address 22 is an address of the home where the customer lives, and displays a questionnaire regarding each local special product. In addition, a questionnaire regarding products handled at nearby stores is displayed. The age 23 represents the age of the customer, and displays a questionnaire corresponding to each generation. Credit 24 is credit information of the customer. If the credit rating is relatively high, a questionnaire regarding high value-added products, such as consideration for the environment, is displayed. Display a questionnaire about. The family structure 25 is a member of the family including the customer. When the person is single, the customer's personal interest questionnaire is displayed. When the couple is two, the spouse's interested questionnaire is displayed. If there are children, a questionnaire tailored to the child's age and gender is displayed. In addition, if the customer's annual income is relatively high, a questionnaire regarding high value-added products, such as consideration for the environment, is displayed. If the annual income is relatively low, a questionnaire regarding products with reasonable prices is displayed. Is displayed.

FIG. 2A is a diagram illustrating a process of selecting a questionnaire based on the customer attributes described above. For example, the customer attributes are assumed as follows. The occupation type 20 is manager, the gender 21 is male, the address 22 is near the city, the age is 50 years old, the creditworthiness is relatively high, and the family composition is spouse and two children.
As a first stage, a candidate is selected from a business-related magazine or a questionnaire of a high fuel consumption sales vehicle based on the work place (job type) 20 and gender 21. As a second stage, a dealer near the address 22 is selected from the candidates selected in the first stage. As a third stage, the dealer selected by the second stage handles high fuel consumption sales. Select a vehicle questionnaire. In addition, a questionnaire related to the magazine is selected. In this way, the questionnaire 26 most suitable for this customer is finally narrowed down and displayed on the operation display unit of the automatic contract machine 4.

  FIG. 2B is a diagram for explaining the provision of community-based questionnaire information based on the automatic contract machine. For example, as Step 1, it is determined which of the address (home) 29 and the work location 30 is closer to the installation location of the automatic contract machine, and the closer one is selected. In this example, it is assumed that the address 29 is close. As step 2, the season and time are determined from the date and time of visit (date and time when the automatic contractor is operated) and time. For example, if the customer visits the store on July 2 at 10:00 am, it is determined that the season 27 is summer and the time 28 is morning. As step 3, questionnaire information with high priority for the customer is provided from season 27 (summer), time 28 (morning), and address 29 (home). Here, taking time 28 as an example, if the time is in the evening and the distance from the automatic contract machine is closer to the address 29 than the work place 30, a questionnaire of supermarkets near the home is displayed. When the time is evening and the distance from the automatic contract machine is closer to the work place 30 than the address 29, a questionnaire of restaurants near the work place is displayed. When the time is night and the distance from the automatic contract machine is closer to the work place 30 than the address 29, a questionnaire of taxi companies near the work place is displayed.

  FIG. 3 is a diagram illustrating the work of the customer and the work of the financial institution when the customer operates the automatic contract machine in time series. The upper side represents customer work, and the lower side represents financial institution work. First, a new customer inputs necessary items from the operation display unit according to the instruction (reception 35). At this time, it is checked whether there are any mistakes or deficiencies in the various data input as financial institution work (reception 39). When the customer input is completed, an explanation about the contract is displayed on the operation display section (contract description 36). From that point on, the customer review starts as a financial institution work (screen 40). The contract explanation 36 generally ends in 20 to 30 minutes, but the examination 40 may take 40 minutes or more. Therefore, the questionnaire 37 is displayed on the operation display unit in the meantime. At this time, what kind of questionnaire is to be displayed is selected and displayed based on the customer information obtained from the reception 35 as described with reference to FIG. Moreover, since the time for displaying the questionnaire differs depending on the time when the customer answers the questionnaire, it does not necessarily match the end point a of the examination. For example, if the survey end time (point a) is longer than the survey end time (point a), the survey will be displayed up to point b without interrupting the survey. A copy and a card are issued (reference numeral 38), and the process ends.

  FIG. 4 is a schematic diagram for explaining an operation procedure according to another embodiment of the present invention. In this embodiment, after receiving a review 40 from the receptions 35 and 39, a contract explanation 36 is given to the customer. When the review is completed and a contract is reached, a copy of the application form and a card issuance 38 are performed. However, while the contract explanation 36 is finished and the examination 40 is continuing, as shown in FIG. 3, not only a questionnaire is displayed, but also commercials and information (products and services) are automatically selected and guided. . For example, since the guidance products vary depending on the customer and the season, the microwave oven 41 is displayed for the customer A, and the jeans 42 are displayed for the customer B. In addition to guidance, it is also possible to accept product orders. Further, since the number of customers is limited, it is possible to record the preference of the customer based on the customer information input by the customer and utilize it for the subsequent customer service.

  FIG. 5 is a diagram showing an external configuration of an automatic contract machine constituting the automatic contract system of the present invention. The automatic contract machine 4 includes a customer sensor 121 that detects that a customer has approached the automatic contract machine 4, a card removal / take-in port 122 that is taken out to return the card after the card is inserted and the information is read. , A face camera window 123 that captures the customer's face with a camera when the customer sits in front of the automatic contract machine, a handset 124 that calls and talks to an attendant during operation, and presses documents on the screen for reading by the scanner A holding plate 125, a reading button 126 for giving an instruction to read a document by a scanner, a license reading unit 127 for reading a license proving that the customer is the person, and guidance information when a questionnaire is displayed. A speaker 129 for streaming, a camera window 131 for photographing a customer's hand, an operation display unit 132 for displaying a contract explanation and a questionnaire, and a report And it is configured to include a document discharge port 133 and outputs, a. Note that the detailed description of the automatic contract machine 4 is omitted here because it is not the gist of the present invention.

  FIG. 6 is a flowchart for explaining the most basic operation of the automatic contract system of the present invention. First, when the customer approaches the automatic contract machine, it is detected by the customer sensor 121, and an initial screen for application is displayed on the operation display unit 132. For example, when an application button is displayed and the button is touched, the application is accepted. (S1). Next, to identify whether the customer is a new customer or a contracted customer, a selection button is displayed. S11). The information is sent to the server 1, and the examination control unit 5 checks whether it is stored in the customer information DB 9, and if it is stored, examination is started (S4). On the other hand, if it is a new customer in step S2, necessary items necessary for the contract are input from the operation display unit 132 (S3). The information is recorded in the customer information recording means 7 in the examination control unit 5. When all necessary items are prepared, the examination is started (S4). When the examination is started, a contract explanation such as precautions for the contract is displayed on the operation display unit 132. When the contract explanation ends (YES in S5), if the questionnaire is not answered (NO in S11), step S10 Proceed to, issue a copy of the application form and a card and finish (S10). When answering a questionnaire in step S11 (YES in S11), a questionnaire is selected from the questionnaire DB 16 by the questionnaire selection means 13 in the questionnaire control unit 6 based on the credit information stored in the customer information DB 9 ( S6), the questionnaire is displayed on the operation display unit 132 (S7). The customer answers this questionnaire until the review is complete. When the examination is completed (YES in S8), it is checked whether the questionnaire response has been completed at that time (S9). If not completed, the process returns to step S7 to continue displaying the questionnaire, and the questionnaire response is completed. If so, issue a copy of the application form and a card and finish (S10). In addition, when examination is completed while answering a questionnaire, the display of the questionnaire may be interrupted immediately.

  FIG. 7 is a flowchart for explaining the operation of the questionnaire display after examination is started in the automatic contract system of the present invention. In this embodiment, as the questionnaire selection means, an automatic selection mode for automatically selecting the questionnaire information stored in the questionnaire DB 16 based on the credit judgment result by the credit judgment means 8 and other additional information, and customer input An optional selection mode for selecting the questionnaire information stored in the questionnaire DB 16 based on the information and a client selection mode for selecting the questionnaire information stored in the questionnaire DB 16 according to the selection conditions set by the questionnaire requester will be described.

  First, if the customer does not answer the questionnaire (NO in S20), the application is issued and a card is issued (S42) and the process ends. If the customer answers the questionnaire (YES in S20), the mode selection means 18 automatically When the selection mode is selected (YES in S21), a questionnaire is selected from the questionnaire DB 16 by the questionnaire selection means 13 in the questionnaire control unit 6 based on the credit information and additional information stored in the customer information DB 9. (S22), the questionnaire is displayed on the operation display unit 132 (S23). The customer answers this questionnaire until the review is complete. When the examination is completed (YES in S24), it is checked whether or not the questionnaire display has been completed at that time (S25). If not completed, the process returns to step S23 to continue the questionnaire display, and the questionnaire response is completed. If so (YES in S25), the result is stored in the questionnaire result DB 17, and the examination control unit 5 verifies whether or not the contract is possible (S26). (S39) is finished, and if it is determined that the contract is acceptable in step S26, a copy of the application form and a card are issued (S27), and whether or not to answer a more detailed questionnaire to the customer is displayed. If it is not answered, the process ends there. If a more detailed questionnaire is answered, a detailed questionnaire is displayed on the operation display unit 132 (S29). . Then, when answering a detailed questionnaire, points are added or the amount of the product is discounted by a predetermined amount (S30).

When the arbitrary selection mode is selected by the mode selection means 13 (YES in S34), the customer inputs the field of the questionnaire to be answered from the operation display unit 132 (S35). Next, it is determined whether the subsequent selection operation is automatically performed or whether the arbitrary selection is continued as it is (S36), and if it is performed automatically, the process proceeds to step S22. When continuing the arbitrary selection, necessary information is input according to the instruction on the screen of the operation display unit 132 (S37), and a questionnaire is selected from the questionnaire DB 16 by the questionnaire selection means 13 in the questionnaire control unit 6 based on the information. (S38), the process proceeds to step S23.
When the client selection mode is selected by the mode selection unit 13 (S40), a questionnaire is selected from the questionnaire DB 16 by the questionnaire selection unit 13 in the questionnaire control unit 6 based on the selection condition set by the client. (S41), the process proceeds to step S23.

  As described above, the questionnaire selection unit 13 includes the mode selection unit 18 that selects three modes of the automatic selection mode, the arbitrary selection mode, and the client selection mode. Here, when the arbitrary selection mode is selected, the customer inputs the field of the questionnaire that he / she wants to see (for example, a car or the like), and starts the selection limited to that field. At this time, if it is bothersome to input information such as attributes thereafter, it can be left to the automatic selection mode. In addition, the requester of the questionnaire hopes that the requested questionnaire is selected by the customer group that wants to answer most. Accordingly, since the selection conditions are set only for the customer segment, it is not preferable to change the setting conditions. In addition, if the customer wishes to answer a detailed questionnaire, a more detailed questionnaire is displayed, and if the customer purchases goods or services related to the questionnaire, points are given or discounts on goods or services are given. Make it possible to do.

  As described above, according to the present invention, the automatic contract machine 4 having an operation display unit for concluding a loan contract with a new customer, and the new customer connected to the automatic contract machine 4 An automatic contract system 100 including a server 1 that performs examination on whether or not a loan is allowed based on input information, the server 1 having a screening control unit 5 that examines whether or not a loan is available for a new customer, and a screening And a questionnaire control unit 6 that selects and transmits predetermined questionnaire information to the automatic contracting machine 4 during the examination of the new customer by the control unit 5, and uses the time until the examination is completed to perform the predetermined questionnaire Since the information is transferred to the automatic contract machine 4 and displayed on the operation display unit, the customer can spend a waiting time effectively by answering the questionnaire during the examination.

Further, the examination control unit 5 temporarily stores the customer information input from the automatic contract machine 4 in the customer information recording means 7 and makes a credit judgment based on the information. When the credit information is finished, the customer information is stored in the customer information DB 9. The questionnaire control unit 6 stores the questionnaire information requested by the questionnaire client in the questionnaire DB 16, selects the questionnaire information based on the credit determination result and other additional information from the questionnaire DB 16, Since the selected questionnaire information is transferred to the automatic contract machine 4, the credit information necessary for the examination can be effectively used as a condition for selecting the questionnaire, and the optimum questionnaire information for the customer can be selected quickly and optimally. Can do.
Moreover, since the questionnaire selection means 13 includes at least one of the customer's sex, job type, age, address, annual income, family structure, etc. in the customer information, the customer attribute should be accurately reflected in the selection conditions. Can do.

In addition, since the questionnaire selection unit 13 includes at least one of the season information and the time information in the other additional information, it can reflect the season and time that affect the behavior of the customer in addition to the attribute. .
In addition, the questionnaire control unit 6 determines whether the installation location of the automatic contract machine operated by the customer is close to the customer's home address or work address, and from the questionnaire requester located near the automatic contract machine. Since the questionnaire selection means 13 selects the questionnaire information, it is possible to accurately provide a questionnaire according to the behavior of the customer.
In addition, since the questionnaire control unit 6 narrows down the customer attributes included in the customer information and selects the optimal questionnaire information by the questionnaire selection means 13, it is possible to provide the questionnaire information accurately reflected on the customer attributes.

Further, the server 1 uses the time until the examination is completed to transfer the questionnaire information selected by the questionnaire selection unit 13 to the automatic contract machine 4 by the questionnaire transfer unit 14, and the operation display unit of the automatic contract machine 4. If the examination is completed while answering the questionnaire information, the examination completion is waited until the answer to the questionnaire information is completed, so that the questionnaire information can be prevented from being interrupted, and the contents of the questionnaire are sent to the customer. I can tell you enough.
In addition, the questionnaire selection means 10 includes an automatic selection mode for automatically selecting the questionnaire information stored in the questionnaire DB 16 based on the credit judgment result by the credit judgment means 8 and other additional information, and customer input information. One of an arbitrary selection mode for selecting the questionnaire information stored in the questionnaire DB 16 and a client selection mode for selecting the questionnaire information stored in the questionnaire DB 16 according to the selection conditions set by the questionnaire requester. When the mode selection means 18 is selected and the arbitrary selection mode is selected by the mode selection means 18, the customer inputs the field of the questionnaire that the customer wants to answer, thereby limiting the inputted questionnaire field and the subsequent Whether to leave the selection in automatic selection mode or continue in optional mode Since the possible-option, since the field of survey is limited, it is possible to increase the speed selected narrower range of selection.

When the client selection mode is selected by the mode selection means 18, the questionnaire information is selected unconditionally based on the selection conditions set by the client, so that the questionnaire information that sufficiently reflects the request of the client of the questionnaire Can be provided to customers.
If the examination control unit 5 determines that the contract is acceptable, the server 1 issues a copy of the application form and a card to the customer, and whether or not to display more detailed questionnaire information on the operation display unit. Since the detailed display selection means for selecting is provided, it is possible to capture customers who are highly motivated to purchase.
In addition, when the more detailed questionnaire information is displayed by the detailed display selection unit, the server gives points to the customer or from the price of purchased goods or services related to the questionnaire information Since customer service means for performing a predetermined discount is provided, it is possible to secure a customer as a repeater customer.

It is a schematic block diagram of the automatic contract system of one Embodiment of this invention. It is a schematic diagram explaining the operation | movement which the questionnaire selection means of this invention selects a questionnaire from a customer's attribute. It is a figure explaining the work of a customer when a customer operates an automatic contract machine, and the work of a financial institution in time series. It is a schematic diagram explaining the operation procedure which concerns on other embodiment of this invention. It is a figure which shows the external appearance structure of the automatic contract machine which comprises the automatic contract system of this invention. It is a flowchart explaining the most basic operation | movement of the automatic contract system of this invention. It is a flowchart explaining operation | movement of the questionnaire display after examination starts in the automatic contract system of this invention.

Explanation of symbols

  1 server, 2 network, 3 questionnaire request terminal, 4 automatic contract machine, 5 examination control unit, 6 questionnaire control unit, 7 customer information recording means, 8 credit judgment means, 9 customer information DB, 13 questionnaire selection means, 14 questionnaire transfer Means, 15 questionnaire result recording means, 16 questionnaire DB, 17 questionnaire result DB, 18 mode selection means, 100 automatic contract system

Claims (12)

An automatic contract machine having an operation display unit for concluding a loan contract with a customer, and a server that is connected to the automatic contract machine and is responsible for examining loan availability based on information input by the customer; An automatic contract system with
The server includes an examination control unit that examines whether or not the customer can be financed, and a questionnaire control unit that transfers predetermined questionnaire information to the automatic contract machine during the examination about the customer by the examination control unit; With
An automatic contract system, wherein predetermined questionnaire information is transferred to the automatic contract machine using the time until the examination is completed and displayed on the operation display unit. The examination control unit stores customer information recording means for recording customer information input from the automatic contract machine, credit judgment means for making a credit judgment of a customer based on the customer information, and storing a plurality of the customer information And a customer information database
The questionnaire control unit is stored in the questionnaire database based on a questionnaire database that stores a questionnaire to be displayed on the automatic contract machine, the customer information, a credit determination result by the credit determination means, and other additional information. Questionnaire selection means for selecting questionnaire information, questionnaire transfer means for transferring the questionnaire information selected by the questionnaire selection means to the automatic contract machine, and questionnaire result recording means for recording the questionnaire result answered by the automatic contract machine The automatic contract system according to claim 1, further comprising: a questionnaire result database for storing the answered questionnaire results.   3. The automatic contract according to claim 1, wherein the questionnaire selection unit includes at least one information of a customer's sex, job type, age, address, annual income, family structure, and the like in the customer information. system.   The automatic contract system according to claim 1 or 2, wherein the questionnaire selection means includes at least one of season information and time information in the additional information.   The questionnaire control unit determines whether the installation location of the automatic contract machine operated by the customer is closer to the customer's home, residence or work place, and a questionnaire from a survey requester located closer to the automatic contract machine 5. The automatic contract system according to any one of claims 1 to 4, wherein information is selected by the questionnaire selection means.   5. The automatic contract according to claim 1, wherein the questionnaire control unit narrows down customer attributes included in the customer information and selects optimal questionnaire information by the questionnaire selection unit. 6. system.   The server uses the time until the examination is completed to transfer the questionnaire information selected by the questionnaire selection unit to the automatic contract machine by the questionnaire transfer unit, and the operation display unit of the automatic contract machine The automatic contract according to any one of claims 1 to 6, wherein when the examination is completed while replying to the questionnaire information displayed on the screen, the examination completion is waited until the answer is finished. system. The questionnaire selection means includes an automatic selection mode for automatically selecting questionnaire information stored in the questionnaire database based on a credit judgment result by the credit judgment means and other additional information, and input information of the customer An optional selection mode for selecting the questionnaire information stored in the questionnaire database based on the requester selection mode for selecting the questionnaire information stored in the questionnaire database according to the selection conditions set by the questionnaire requester. Comprising mode selection means for selecting one of them,
When the arbitrary selection mode is selected by the mode selection means, by inputting the field of the questionnaire desired by the customer, the subsequent selection is left to the automatic selection mode limited to the input questionnaire field. The automatic contract system according to any one of claims 1 to 7, wherein it is possible to select whether to continue the arbitrary selection mode.   8. The questionnaire information is selected unconditionally based on a selection condition set by the requester when the requester selection mode is selected by the mode selection means. The automatic contract system according to one item.   The server issues a copy of the application form and a card to the customer when the examination control unit determines that the contract is acceptable, and whether or not to display more detailed questionnaire information on the operation display unit. The automatic contract system according to any one of claims 1 to 9, further comprising a detailed display selection unit for selecting.   When the further detailed questionnaire information is displayed by the detailed display selection means, the server gives a point to the customer or determines a predetermined price based on the price of purchased goods or services related to the questionnaire information. 11. The automatic contract system according to claim 1, further comprising customer service means for performing a discount.   The server includes answer selection means that allows a customer to select whether or not to answer a questionnaire. When answer answer is selected by the answer selection means, a copy of an application form and a card are given to the customer. The automatic contract system according to any one of claims 1 to 11, wherein the automatic contract system is issued and terminated.

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