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JP-2026075614-A - Loan pre-approval application support system

JP2026075614AJP 2026075614 AJP2026075614 AJP 2026075614AJP-2026075614-A

Abstract

[Challenge] To provide a loan pre-application support system that streamlines the application process for pre-approval of various loans. [Solution] The system includes a storage unit that stores application form formats for each financial institution as information about multiple financial institutions that handle loan pre-screening, a detection means that detects the application information necessary for loan pre-screening from image data of a predetermined certificate obtained in response to a first input operation performed on the applicant terminal, an acquisition means that obtains the application form format of the financial institution to which the loan pre-screening application will be submitted, selected in response to a second input operation performed on the applicant terminal, and an entry means that enters the application information detected by the detection means into the application form format obtained by the acquisition means. The image data of the certificate is common regardless of the financial institution, but the application form format differs depending on the financial institution. [Selection Diagram] Figure 4

Inventors

  • 山下 善央
  • クァン フウ ヒェウ

Assignees

  • 株式会社ＡＪテクノロジーズ

Dates

Publication Date
20260508
Application Date
20251020
Priority Date
20241022

Claims (10)

  1. A loan pre-approval application support system that assists in applying for a loan pre-approval, Information relating to multiple financial institutions that handle the pre-approval of the loan using the aforementioned loan pre-approval application support system includes a storage unit that stores the application form format for each financial institution, A detection means for detecting application information necessary for the loan pre-screening application from image data of a predetermined certificate obtained in response to a first input operation performed on the applicant's terminal when applying for the loan pre-screening, An acquisition means that, in response to a second input operation performed on the applicant terminal, acquires the application form format of a financial institution selected from among the multiple financial institutions to be the recipient of the loan pre-screening application, The application form format acquired by the acquisition means includes an entry means for entering the application information detected by the detection means into the application form format acquired by the acquisition means, While the image data of the aforementioned certificate is common regardless of the financial institution handling the pre-screening of the loan, the application form format differs depending on the financial institution handling the pre-screening of the loan. A loan pre-approval application support system characterized by the following features.
  2. A loan pre-approval application support system as described in claim 1, The aforementioned application form format is the same as the application form format used at the counter of the financial institution. A loan pre-approval application support system characterized by the following features.
  3. A loan pre-approval application support system as described in claim 1, The system includes a processing means for cropping specific images necessary to identify the application information included in the predetermined certificate from the image data of the predetermined certificate obtained in response to the first input operation performed on the application terminal, and for highlighting the characters included in the cropped specific images. The detection means detects the application information for examination from the specific required image processed by the processing means. A loan pre-approval application support system characterized by the following features.
  4. A loan pre-approval application support system as described in claim 1, The system includes a correction means for correcting the application information detected by the detection means in response to a third input operation performed on the application terminal, In the entry means, if the application information for review is modified by the modification means, the modified application information for review is entered into the application form format obtained by the acquisition means. A loan pre-approval application support system characterized by the following features.
  5. A loan pre-approval application support system as described in claim 1, The system includes a transmission means that, in response to a fourth input operation performed on the applicant terminal, transmits the submission document data, including the application form data in which the application information has been entered into the application form format by the entry means, to the financial institution to which the application for pre-screening of the loan is to be submitted. A loan pre-approval application support system characterized by the following features.
  6. A loan pre-approval application support system as described in claim 5, The submitted document data transmitted by the transmission means includes document data indicating the documents necessary for the loan pre-screening application, which are obtained in response to the fifth input operation performed on the applicant terminal. A loan pre-approval application support system characterized by the following features.
  7. A loan pre-approval application support system as described in claim 5, The system includes a storage means for saving the submitted document data to the applicant terminal in response to a sixth input operation performed on the applicant terminal. A loan pre-approval application support system characterized by the following features.
  8. A loan pre-approval application support system as described in claim 1, The diagnostic means, in response to a seventh input operation performed on the applicant terminal, causes the applicant terminal to display diagnostic information indicating the likelihood of the loan being approved, based on credit information including at least a portion of the loan application information detected by the detection means and amount data indicating the desired loan amount. A loan pre-approval application support system characterized by the following features.
  9. A loan pre-approval application support system as described in claim 8, The diagnostic means transmits the credit information and the amount data to an investigation system including an external organization, obtains the investigation results from the investigation system indicating whether or not the loan will be approved, and displays the diagnostic information based on the investigation results on the applicant's terminal. A loan pre-approval application support system characterized by the following features.
  10. A loan pre-approval application support system as described in claim 9, The aforementioned survey results include not only approval and rejection, but also specific information indicating that adjustments are necessary for approval, and this specific information comes in several forms. The diagnostic means, if the survey results obtained from the survey system are the specific information, generates corresponding information according to the type of specific information, and includes the generated corresponding information in the diagnostic information. A loan pre-approval application support system characterized by the following features.

Description

This invention relates to a system in which a company acts as an intermediary between financial institutions handling various types of loans, such as housing loans, and customers applying for pre-approval for such loans, and assists with the application process. Currently, banks and other financial institutions allow customers to apply for pre-approval for various loans, such as home loans, not only through their branches but also via networks such as websites. Customers wishing to apply for pre-approval for various loans access the financial institution's website and enter the necessary information in the required fields on the pre-approval application screen (see Patent Document 1). Japanese Patent Publication No. 2023-69694 This is a schematic diagram showing the overall configuration of a loan pre-approval application support system according to the first embodiment of the present invention.This is a block diagram showing the electrical configuration of the management server.This is a block diagram showing the main functional configuration of the control unit of the management server according to the first embodiment.This is a sequence diagram showing an example of the application form creation and submission procedure for the pre-screening application support system.This is an explanatory diagram showing a specific example of the first screen.This is an explanatory diagram showing a specific example of the second screen.This is an explanatory diagram showing a specific example of the third screen.This is an explanatory diagram showing a specific example of the fourth screen.This is an explanatory diagram showing a specific example of the fifth screen.This is an explanatory diagram showing a specific example of the sixth screen.This is an explanatory diagram showing a specific example of the seventh screen.This is a schematic diagram showing the overall configuration of a loan pre-approval application support system according to a second embodiment of the present invention.This is a block diagram showing the main functional configuration of the control unit of the management server according to the second embodiment.This is an explanatory diagram showing a specific example of the eighth screen.This is a sequence diagram showing an example of the procedure for outputting the approval forecast from the pre-approval application support system.This is an explanatory diagram showing a specific example of the ninth screen when the result is "Approved".This is an explanatory diagram showing a specific example of the ninth screen when "adjustment required" is indicated.This is an explanatory diagram showing a specific example of the ninth screen when the response is "rejected". (First Embodiment) A first embodiment of the loan pre-approval application support system according to this embodiment (hereinafter simply referred to as the "application support system") will be described in detail below with reference to the drawings. Figure 1 is an explanatory diagram schematically showing the application support system. As shown in Figure 1, the application support system 1 of this embodiment is a system provided by a financial institution that offers housing loans as an example of various loans, and an intermediary company that acts as an intermediary between the financial institution and a customer (hereinafter referred to as "applicant") who applies for a preliminary screening of a housing loan. The application support system 1 can create an application form specifically for the financial institution based on image data provided by the applicant, and submit this application form and necessary documents to the financial institution. The application support system 1 comprises a management server 10 managed by the intermediary company and terminals (applicant terminals) 20A, 20B, 20C, etc., owned by each applicant. Applicants A, B, C, ... for the pre-approval process can use the application support system 1 to create a pre-approval application form for a housing loan provided by financial institutions A, B, C, ... from their own terminals 20A, 20B, 20C, ... and submit the application form and necessary documents to financial institutions A, B, C, .... The applicant terminals 20A, 20B, 20C, etc., consist of smartphones owned by each applicant, but may also consist of tablets or personal computers. Furthermore, the applicant terminals 20A, 20B, 20C store the applicant applications 21A, 21B, 21C, etc., provided to the applicants by the intermediary company. In the following explanation, when describing the common configuration and functions of the application terminals 20A, 20B, 20C, etc., they will all be collectively referred to as "application terminal 20" without distinction. Similarly, when describing the common configuration and functions of the application applications 21A, 21B, 21C, etc., they will all be collectively referred to as "application application 21" without distinction. The applicant application 21 h