JP2007066069A - Immediate processing type financial commodity change system and method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To immediately conclude a change contract, when a user requests change in transaction of a financial commodity through a network, to start the transaction. <P>SOLUTION: A financial commodity change server 110 includes a receiving part 201 receiving customer information, instruction of a desired commodity or the like from a customer terminal 101 through the Internet 102, an authentication part 202 authenticating a customer information transmitted in reference to a customer database 111; a change transaction condition acquisition part 203 acquiring information for the desired commodity transmitted from the receiving part 201 from a commodity information database 113 and calculating a new transaction condition in changed to the desired commodity using the current transaction state of the customer from a transaction database 112; and a condition confirmation part 204 transmitting the acquired change condition to the customer terminal 101 and confirming whether the contract is formally changed or not. By using the above-mentioned modules and databases, an accurate payment condition or payment amount which is usable in an actual contract can be acquired. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an immediate processing type financial product changing system and method, and more specifically, an immediate processing type financial product changing system and method for performing a contract change and execution process by changing a financial product from a customer via a network in real time. About.

  Traditionally, there are many applications that perform certain simulations before purchasing or dealing with financial products such as mortgages, or when making changes, which can be used as reference for actual purchases or to check payment terms. Is provided. Many of these applications are provided directly to the customer's terminal via the network, and the customer connects to a predetermined site of the financial institution from home or on the go, confirms information on the desired financial product, and acquires his / her information. You can enter and simulate.

  In addition, operations in financial institutions are also being automated, and a database of information necessary for most operations is being created. Furthermore, using this database, most tasks can be executed by operating applications.

  On the other hand, in recent years, various preferential services have been provided for financial products according to various points and customer conditions, and many of them have attracted customers. Interest rates on mortgages are based on the usage status of deposit accounts. Has also been proposed (see, for example, Patent Document 1).

JP 2002-15133 A

  However, an application that performs a simulation on a conventional financial product only executes a simulation. Even if a product purchase is decided based on the result, a contract is finally obtained after a procedure such as a review by a financial institution. The transaction was started only after was issued. In other words, in the case of financial products, especially products that continue to be traded for a long period of time such as mortgages, careful application review of customers is required when applying for changes in transaction details during the transaction period, and the conventional simulation software Since payment terms are calculated based only on a certain range of information that the customer can provide at the time, the calculated results are not accurate and cannot be used for actual transactions. .

  In addition, if business applications and databases used in financial institutions are used, results that can actually be used for transactions can be obtained. However, operations of business applications themselves are performed by the person in charge of financial institutions. After all, there is a problem that loans cannot actually be used unless they visit a financial institution.

  The present invention has been made in view of such a problem. When a customer requests a transaction for a financial product via a network, the payment conditions and the like are accurately calculated, and the customer's approval is obtained based on the calculation. It is an object of the present invention to provide an immediate processing type financial product changing system and method for entering into a contract and starting a transaction.

  In order to achieve such an object, the invention described in claim 1 of the present application is an immediate processing type financial product changing system, which includes a customer information database storing customer information including customer identification information and an authentication number; , A transaction database that stores information on transactions of contracted financial products with customers including transaction conditions, a product information database that stores information on various financial products, customer information, and a customer who wants to be changed specified by customer information Customer information input authentication means that receives the desired change desired product, searches the customer information database, and determines whether the received customer information is stored, and the change desired customer from the transaction database Reads the transaction terms of the contracted financial products, and reads the information on the desired product received from the product information database , Change transaction condition acquisition means for obtaining a transaction condition when a customer changes to a change desired product from information on contracted financial product transaction conditions and change desired products, and the transaction conditions obtained by the changed transaction condition acquisition means The condition confirmation means for receiving the customer confirmation, and the condition confirmation means, if the confirmation is received, the contract generation means for generating the contract data with the customer from the transaction conditions and information on the financial product, and the change request depending on the conditions. Transaction start instructing means for instructing to start a product transaction is provided.

  The invention according to claim 2 is the immediate processing type financial product change system according to claim 1, further comprising product information providing means for reading the product information from the product information database and transmitting it to the customer terminal. And

  The invention according to claim 3 is the immediate processing type financial product changing system according to claim 1 or 2, wherein the financial product is a loan, the transaction condition includes an interest rate of the loan, and the changed transaction condition acquisition means includes: It is characterized in that at least a new interest rate and a payment condition are obtained as a transaction condition for a customer who wishes to change.

  According to a fourth aspect of the present invention, in the immediate processing type financial product changing system according to the third aspect, the change request customer has a deposit account, and the change transaction condition acquisition means includes customer information of the change request customer. Alternatively, the transaction condition is obtained based on the usage status of the deposit account.

  The invention according to claim 5 is an immediate processing type financial product change terminal, which inputs customer information including customer identification information and an authentication number, and selects and inputs a desired change desired product, and product information The customer information database which stores the customer information including the customer identification information and the authentication number is transmitted by transmitting the input customer information to the immediate processing type financial product change server, and the received customer information. In the customer input transmission means for receiving the result of the authentication by determining whether or not is stored and transmitting the inputted change desired product if authenticated, and the immediate processing type financial product change server Read the transaction conditions of the contracted financial products of the customer who wants to change from the transaction database that stores information on the transactions of the contracted financial products with the customer including the transaction conditions, and various When the information about the desired product to be received is read from the product information database storing the information about the financial product, and the customer obtained from the transaction conditions of the contracted financial product and the information about the desired product changes to the desired product When receiving a transaction condition receiving means for receiving the transaction condition and outputting it to the output means, and a confirmation of changing the contract based on the transaction condition received by the changed transaction condition receiving means from the input means, an immediate processing type financial product Condition confirmation transmission means for transmitting to the change server, and in response to the confirmation, the contract data with the customer generated from the transaction conditions and information on the financial products is received and output to the output means in the immediate processing type financial product change server And a contract reception output means.

  The invention according to claim 6 is a method for instantly changing a financial product in an immediate processing type financial product changing system, wherein customer information and a change request desired by a customer who wants to change specified by the customer information A customer information input authentication step for performing authentication by receiving a product, searching a customer information database storing customer information including customer identification information and an authentication number, and determining whether or not the received customer information is stored. From the product information database that reads the transaction conditions of the contracted financial product of the customer who wants to change from the transaction database that stores information on the contracted financial product transactions with the customer including the transaction conditions, and stores information on various financial products Read the received information about the product you want to change , A change transaction condition acquisition step for obtaining a transaction condition when a customer changes to a change desired product, a condition check step for transmitting the transaction condition obtained in the change transaction condition acquisition step and receiving a customer confirmation, and a condition check In the step, when a confirmation is received, a contract generation step for generating contract data with the customer from the transaction condition and information on the financial product, and a transaction start instruction step for instructing to start the transaction of the desired product according to the condition It is characterized by having.

  The invention according to claim 7 is the immediate processing type financial product changing method according to claim 6, further comprising a product information providing step of reading product information from the product information database and transmitting it to the customer terminal. And

  The invention according to claim 8 is the immediate processing type financial product changing method according to claim 6 or 7, wherein the financial product is a loan, the transaction condition includes an interest rate of the loan, and the changed transaction condition obtaining step includes: It is characterized in that at least a new interest rate and a payment condition are obtained as a transaction condition for a customer who wishes to change.

  The invention according to claim 9 is the immediate processing type financial product changing method according to claim 8, wherein the customer who wants to change has a deposit account, and the change transaction condition acquisition step includes customer information of the customer who wants to change Alternatively, the transaction condition is obtained based on the usage status of the deposit account.

  The invention according to claim 10 is a method for instantaneously changing a financial product in an immediate processing type financial product changing terminal, wherein customer information including customer identification information and an authentication number is input and a desired change is made. An input step for selecting and inputting a desired product, an output step for outputting product information, and the like, and sending the input customer information to the immediate processing type financial product change server to store customer information including customer identification information and an authentication number Search the customer information database to be received, receive the result of authentication by determining whether the received customer information is stored, if it is authenticated, customer input to send the input desired change product From the transaction database that stores information about the transaction of the contracted financial product with the customer including the transaction condition in the sending step and the immediate processing type financial product change server Read the transaction conditions of the contracted financial product of the desired customer, read the information about the desired product received from the product information database that stores information about various financial products, and the transaction conditions of the contracted financial product and the desired product Receives the transaction conditions when the customer obtained from the information changes to the desired product to be changed and outputs it to the output step, and changes the contract based on the transaction conditions received in the changed transaction condition reception step When the confirmation is received from the input step, a condition confirmation transmission step is transmitted to the immediate processing type financial product change server, and in response to the confirmation, the immediate processing type financial product change server generates the transaction condition and information on the financial product. Receive contract output to receive the contract data with the customer and output to the output step Characterized in that a step.

  As described above, according to the present invention, the transaction condition of the contracted financial product of the customer who wants to change is read from the transaction database, the information regarding the desired product to be changed is read from the product information database, From the information about the conditions and desired change product, change transaction condition acquisition means for obtaining the transaction conditions when the customer changes to the change desired product, and the transaction conditions obtained in the change transaction condition acquisition means are transmitted, and customer confirmation is received If the confirmation is received by the condition confirmation means and the condition confirmation means, the contract generation means for generating the contract data with the customer from the transaction conditions and information on the financial product, and the transaction of the desired product to be changed according to the conditions. A transaction start instruction means for instructing, so that a customer requests a transaction for a financial product via a network. When, precisely calculated and payment terms on the basis of it entered into an immediate contract by obtaining the customer's approval, it is possible to start trading.

(Embodiment)
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a block diagram showing an entire system according to an embodiment of the present invention. In this embodiment, the system inputs information necessary for the customer, the customer terminal 101 for confirming the transaction result, etc., the Internet 102 for connecting the customer terminal and various servers, the payment conditions in response to a request from the customer. It consists of a financial product change server 110 that performs everything from presentation to transaction execution instructions, and an account processing system 120 that executes actual loan processing in response to instructions from the financial product change server 110. Various data is used in such a system and server, and such data is stored in many databases. However, in this embodiment, the customer database 111, the transaction database 112, and the product information database 113 are particularly important. In particular, FIG. In this embodiment, the Internet 102 is used as a network. However, the present invention is not limited to this, and various networks such as an intranet and a dedicated line can be used to achieve the object of the present invention. Further, the customer terminal 101 is used not only when connecting to the Internet from the customer's home but also when connecting to various locations and times such as the customer's office, outing, or in the store of a financial institution.

  In this embodiment, it is a condition that the customer has already made some kind of transaction. That is, a customer who uses the system of the present embodiment, for example, has already contracted a mortgage loan with a changed interest rate, and has changed the system to another product such as changing to a fixed interest rate when receiving a loan. use. In this way, by targeting contracted customers rather than new customers, the customers who have been subject to this system have already undergone screening by financial institutions, and will be reviewed again for a certain range of product changes. Since there is no need to complete the transaction, the system can complete the transaction immediately. Furthermore, in principle, the target customers have their own account with the financial institution, and can receive various preferential treatments related to the account. For this reason, the customer database 111 stores account information, customer information necessary for concluding a transaction contract, customer identification information, authentication number, etc., and the transaction database 112 stores transaction information that the customer has already contracted. Stored with transaction conditions. In addition, in the product information database 113, various product information provided by the financial institution is stored together with the transaction conditions. In this embodiment, mortgages are mainly handled as financial products. However, the present invention is not limited to this, and there are a plurality of similar products that can be applied to the present invention as long as they can be changed to each other or in the middle of a transaction. it can.

(Server configuration)
Next, details of the financial product change server 110 will be described with reference to FIG. FIG. 2 is a block diagram showing a financial product change server according to an embodiment of the present invention. The financial product change server 110 includes a receiving unit 201 that receives customer information and an instruction of a desired product to be changed from the customer terminal 101 via the Internet 102, and an authentication unit 202 that authenticates a customer sent with reference to the customer database 111. The information on the desired product to be sent sent from the receiving unit 201 is obtained from the product information database 113, and the customer's new information when the customer changes to the desired product using the current transaction status of the customer from the transaction database 112. A change transaction condition acquisition unit 203 for calculating a correct transaction condition, and a condition confirmation unit 204 for transmitting the acquired change condition to the customer terminal 101 and confirming whether or not to officially change the contract. By using the above modules and databases, it is possible to obtain accurate payment conditions and payment amounts that can be used when actually contracting.

  Furthermore, the financial product change server 110 according to the present embodiment executes a transaction by changing the contract data generation unit 205 and the account processing system 120 that generate contract data under the conditions acquired and approved by the customer to a new contract. A change contract instructing unit 206 is provided. As described above, the customer can immediately change the transaction through the customer terminal 101 and the network without being restricted by the place and time. Although not described in detail in this specification, any method known in the art can be used as the instruction method, instruction path, and the like of the change contract instruction unit 206. Here, the financial product change server 110 of the present embodiment has been described by dividing it into functions as shown in FIG. 2, but the present invention is not limited to this, and it goes without saying that modules can be further divided or integrated. Nor.

(Server-side processing)
Next, the overall operation of this embodiment will be described with reference to FIG. FIG. 3 is a diagram for explaining the overall flow of the present embodiment. FIG. 3 shows a point management server 301 that performs point management and the like in addition to the server and database described above, and a loan standard interest rate table 302 that manages standard interest rates of various loans. Further, the transaction database 112 includes a type-specific preferential information table 311, a mileage preferential information table 312, and other preferential information tables 313 that include preferential service information set for each customer. The merchandise information database 113 also includes a partner preferential registration information table 314 that stores preferential information when using a partner loan.

  The processing in FIG. 3 is executed when the customer who has contracted the mortgage makes a change to the new fixed interest rate and period using the system of this embodiment. 6 to 10 are screen examples displayed on the customer terminal 101 by the following processing.

  Process (1): First, a customer logs in to a website provided by the financial product change server 110 via the customer terminal 101, and whether or not the customer can access the financial product change server 110 is determined by the customer. It is checked with reference to the information database 111 and the transaction database 112. Specifically, the customer sends instructions via a website provided by a financial institution, but in general, the customer identification information and authentication number etc. are used for authentication for customers who have an account or do business. In this embodiment, the customer is authenticated in advance based on the information and inputs a loan change. However, it is not limited to such a method, and any authentication method known in this technical field can be used.

  Process (2): With reference to the product information database 113, when a changeable product is displayed on the customer terminal 101, the customer instructs the user to select a desired product and inputs a loan change (for example, FIG. 6) A loan change instruction is transmitted to the financial product change server 110 from the customer terminal 101 to which the loan change input has been made.

  Process (3): The financial product change server 110 acquires transaction conditions for the desired product for change based on the received change instruction. Specifically, the transaction status of the instructed customer is acquired from the transaction database 112, and based on the information, the condition of the desired product to be changed is obtained from the product information database 113, and whether or not the additional condition can be changed. As a result, first, a new standard interest rate is acquired from the loan standard interest rate table 302. Next, in the point management server 301, it is determined whether or not points can be used, and if possible, the accumulated points are subtracted. Corresponding to this, the financial product change server 110 calculates the interest rate preferential treatment range which is preferentially treated thereby. Further, the interest rate preferential width applicable when the product is changed from the preferential information table 311 for each type, the mileage preferential information table 312, and the other preferential information table 313 to the desired product is calculated. In addition, the preferential width is calculated for the preferential treatment of the partner. Here, the preferential width can be limited or added depending on the customer's wishes and the like.

  Here, methods for setting standard interest rates, generating new repayment amounts and repayment conditions, and calculating fees based on the customer-specified repayment years and other conditions are known in the art. Any method can be used. Details of the system such as mileage preferential treatment and point reduction are not described here, but various methods known in the art can be used as well. Furthermore, the preferential width can be changed for each period, that is, the preferential width can be increased for a certain period. Further, when calculating the repayment amount, it is possible to add a premium for group credit insurance (unity insurance) according to the above-mentioned various conditions, or to apply conditions according to the type of union insurance.

  The new applicable interest rate is calculated by adding the interest rate preferential ranges calculated above and subtracting from the new standard interest rate. Further, based on this, a new repayment amount and a fee when the contract is changed are calculated and transmitted to the customer terminal 101. As a result, the customer can confirm the payment conditions and contract conditions when changing to the desired product for change, and determine whether or not to change (for example, see the screen example shown in FIG. 7).

  Process (4): The contract (contents of contract) when changed to the desired product is transmitted to the customer terminal 101 to obtain the final confirmation of the customer (for example, see the screen example shown in FIG. 8).

  Process (5): If the customer confirms the final confirmation, the account processing system 120 is instructed to execute a transaction based on the change contract. Here, the account processing system 120 can use any of the systems that execute loan processing that can be used in this technical field.

  Through the above processing, the financial product change server 110 can immediately change the contract.

(Terminal processing)
Next, the process of the customer terminal 101 of this embodiment is demonstrated. FIG. 4 is a block diagram illustrating a configuration of the customer terminal according to the present embodiment. The customer terminal 101 inputs a control unit 401 that controls the whole, a transmission / reception unit 402 that transmits / receives to / from various servers via the Internet 102, a display unit 403 that outputs information obtained from the server, and a customer selection instruction, confirmation, or customer information An input unit 404 is provided.

  With reference to FIG. 5, operation | movement of the customer terminal 101 of this embodiment is demonstrated. FIG. 5 is a flowchart showing the processing of the customer terminal according to the embodiment of the present invention. First, when a customer inputs customer identification information and an authentication number from the input unit 404, the information is transmitted to the financial product change server 110 (S501). Thereafter, the result of the authentication process is received (S502), and if the authentication is not successful, it can be returned to the beginning and input again. However, the processing can be ended depending on the system. When the authentication is made (S503), the changeable product is displayed on the display unit 403, receives a selection instruction from the customer, and transmits the content to the financial product change server 110 (S504). FIG. 6 is a diagram illustrating an example of a screen that allows a customer to make a selection instruction. In this example, the repayment period can be changed, and the changeable period is displayed, and the customer designates the period from this and issues a selection instruction. In this embodiment, when a period is further specified, the screen shown in FIG. 7 is displayed and it can be confirmed whether there is an error in the specification. In the example shown in FIGS. 6 and 7, the number of years is shown as the period, but the method of displaying the period is not limited to the number of years.

  When new payment conditions, new applicable interest rates, and the like are acquired, the information is received and displayed on the display unit 403 (S505). In the screen example shown in FIG. 8, the main contract items such as the repayment amount and the change fee are confirmed once, and when confirmed, the final contract contents (contract) are shown as in the screen shown in FIG. . When the customer confirms the displayed content and approves it (when approval is input to the input unit 404) (S506), the confirmation is transmitted to the financial product change server 110 (S507). As shown in FIG. 9, when the customer accepts the contract contents and approves the contract change, a button for accepting the change contract is displayed so that the user can enter the consent. By clicking this button, the customer accepts the contract change. A message is sent to the server via the customer terminal 101.

  When the financial product change server 110 generates and transmits contract data, and the customer terminal 101 receives the contract data, the contract data is displayed on the display unit 404 or output by other methods, and the process is terminated (S508). As shown in FIG. 10, when the contract change process is completed, a message to that effect is displayed, and the contents of the contract are displayed for confirmation, so it can be printed out and used as a customer copy, after which the customer logs off. Will do. Alternatively, the final approval can be made on the screen of FIG.

  As explained above, when a customer requests a transaction for a financial product via the network, the payment terms are accurately calculated, and based on the customer's approval, the contract is immediately concluded and the transaction is started. It becomes possible to make it. At this time, customer satisfaction can be improved by adding preferential services such as points and mileage.

1 is a block diagram showing an entire system according to an embodiment of the present invention. It is a block diagram which shows the financial product change server of one Embodiment concerning this invention. It is a figure for demonstrating the whole flow of this embodiment. It is a block diagram which shows the structure of the customer terminal of this embodiment. It is a flowchart which shows the process of the customer terminal of one Embodiment of this invention. It is a figure which shows the example of the screen which performs the selection instruction | indication to the customer of one Embodiment of this invention. It is a figure which shows the example of the screen which makes the customer confirm the selection instruction | indication of one Embodiment of this invention. It is a figure which shows the example of the screen which makes the customer of one Embodiment of this invention confirm the main matter of contract change. It is a figure which shows the example of the screen which makes the customer of one Embodiment of this invention confirm a change contract, and inputs consent. It is a figure which shows the example of the completion | finish screen of one Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 101 Customer terminal 102 Internet 110 Financial product change server 111 Customer database 112 Transaction database 113 Product information database 120 Account processing system 201 Receiving part 202 Authentication part 203 Change transaction condition acquisition part 204 Condition confirmation part 205 Contract generation part 206 Change contract instruction part 301 Point management server 302 Loan standard interest rate table 311 Preferential information table by type 312 Mileage preferential information table 313 Other preferential information table 314 Partner preferential registration information table 401 Control unit 402 Transmission / reception unit 403 Display unit 404 Input unit

Claims (10)

A customer information database for storing customer information including customer identification information and an authentication number;
A transaction database that stores information about transactions of contracted financial products with customers, including transaction terms;
A product information database that stores information about various financial products;
By receiving customer information and a change desired product desired by the change desired customer specified by the customer information, searching the customer information database to determine whether or not the received customer information is stored A customer information input authentication means for performing authentication;
The transaction condition of the contracted financial product of the customer who wants to change is read from the transaction database, the information about the received change desired product is read from the product information database, and the transaction condition of the contracted financial product and the change desired product From the information, a change transaction condition acquisition means for obtaining a transaction condition when the customer changes to the change desired product,
A condition confirmation means for transmitting the transaction condition obtained in the changed transaction condition acquisition means and receiving the confirmation of the customer;
In the condition confirmation unit, when the confirmation is received, a contract generation unit that generates contract data with the customer from the transaction conditions and information on the financial product;
An immediate processing type financial product changing system comprising: a transaction start instructing unit for instructing to start a transaction of the change desired product according to the condition.   The immediate processing type financial product change system according to claim 1, further comprising product information providing means for reading product information from the product information database and transmitting the product information to a customer terminal. The financial product is a loan, and the transaction terms include interest on the loan;
3. The immediate processing type financial product changing system according to claim 1 or 2, wherein the changed transaction condition acquisition means obtains at least an interest rate newly applied to the customer who desires to change and a payment condition as a transaction condition. . The change request customer has a deposit account,
4. The immediate processing type financial product changing system according to claim 3, wherein the changed transaction condition obtaining unit obtains the transaction condition based on customer information of the customer who wants to change or a usage status of the deposit account. Input means for inputting customer information including customer identification information and an authentication number, and selecting and inputting a desired change desired product;
Output means for outputting product information, etc.
Whether or not the received customer information is stored by transmitting the inputted customer information to the immediate processing financial product change server, searching a customer information database storing customer information including customer identification information and an authentication number A customer input transmission means for receiving the result of performing the authentication by determining whether or not and transmitting the input desired change product when the authentication is performed;
The transaction condition of the contracted financial product of the customer who wants to change is read from a transaction database that stores information related to the transaction of the contracted financial product with the customer including the transaction condition in the immediate processing type financial product change server, and various financial products When the information about the received change desired product is read from the product information database storing the information, and the customer obtained from the transaction conditions of the contracted financial product and the information about the change desired product is changed to the change desired product Change transaction condition receiving means for receiving the transaction condition and outputting to the output means,
Condition confirmation transmission means for transmitting to the immediate processing type financial product change server upon receiving confirmation from the input means that the contract is to be changed based on the transaction conditions received in the changed transaction condition reception means;
In response to the confirmation, a contract reception output unit that receives contract data with the customer generated from the transaction conditions and information on the financial product in the immediate processing type financial product change server and outputs the contract data to the output unit; An instant processing type financial product change terminal characterized by comprising: In an immediate processing type financial product change system, a method for immediately changing a financial product,
Receiving customer information and a desired change desired product of the desired change customer specified by the customer information, searching a customer information database storing customer information including customer identification information and an authentication number, and receiving the received customer information Customer information input authentication step for performing authentication by determining whether or not is stored,
The transaction condition of the contracted financial product of the customer who wants to change is read from a transaction database that stores information related to the transaction of the contracted financial product with the customer including the transaction condition, and A change transaction condition acquisition step for reading out information on the received change desired product and obtaining a transaction condition when the customer changes to the change desired product from the transaction condition of the contracted financial product and the information on the change request product; ,
A condition confirmation step of transmitting the transaction condition obtained in the changed transaction condition acquisition step and receiving the confirmation of the customer;
In the condition confirmation step, when receiving the confirmation, a contract generation step of generating contract data with the customer from the transaction conditions and information on the financial product;
A transaction start instruction step for instructing to start a transaction of the change desired product according to the condition.   7. The immediate processing type financial product changing method according to claim 6, further comprising a product information providing step of reading product information from the product information database and transmitting the product information to a customer terminal. The financial product is a loan, and the transaction terms include interest on the loan;
8. The immediate processing type financial product changing method according to claim 6, wherein the changed transaction condition obtaining step obtains at least a newly applied interest rate and a payment condition as a transaction condition for the customer who desires to change. . The change request customer has a deposit account,
9. The immediate processing type financial product changing method according to claim 8, wherein the changed transaction condition obtaining step obtains the transaction condition based on customer information of the customer who wants to change or usage status of the deposit account. A method of instantly changing a financial product on an immediate processing type financial product changing terminal,
An input step for inputting customer information including customer identification information and an authentication number, and selecting and inputting a desired change desired product;
An output step for outputting product information and the like;
Whether or not the received customer information is stored by transmitting the inputted customer information to the immediate processing financial product change server, searching a customer information database storing customer information including customer identification information and an authentication number A customer input transmission step of receiving the result of performing the authentication by determining whether or not and transmitting the input desired change product when the authentication is performed;
The transaction condition of the contracted financial product of the customer who wants to change is read from a transaction database that stores information related to the transaction of the contracted financial product with the customer including the transaction condition in the immediate processing type financial product change server, and various financial products When the information about the received change desired product is read from the product information database storing the information, and the customer obtained from the transaction conditions of the contracted financial product and the information about the change desired product is changed to the change desired product A change transaction condition receiving step for receiving the transaction condition and outputting to the output step;
A condition confirmation sending step for sending to the immediate processing type financial product change server upon receiving confirmation from the input step that the contract is to be changed based on the transaction conditions received in the changed transaction condition receiving step;
In response to the confirmation, a contract reception output step of receiving contract data with the customer generated from the transaction conditions and information on the financial product in the immediate processing type financial product change server and outputting the contract data to the output step; An immediate processing type financial product changing method characterized by comprising:

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