JP4833104B2 - Interest status notification program, interest status notification device, and interest status notification method - Google Patents

Description

  The present invention relates to an interest status notification program, an interest status notification device, and an interest status notification method.

  Traditionally, as we enter an aging society, the start of pension payments has been increasingly delayed.For example, in order to compensate for the decrease in income accompanying the extension of the period from retirement to the start of pension receipt, Various financial products are in circulation.

  Financial products that supplement the source of income after retirement include savings-type pension-type insurance that accumulates insurance premiums and receives a fixed-term pension or lifetime annuity when the contract age is reached. ) And pension collateralized loans that receive loans with pensions as collateral. Further, for example, Patent Document 1 discloses an apparatus that allows a lending side to easily make a loan plan using pension receipt as collateral when performing a loan with a pension recipient as a loan destination.

JP 2002-99724 A

  By the way, the above-mentioned conventional pension-type insurance needs to accumulate insurance premiums for a certain period of time in advance, such as child support expenses, life insurance, cancer insurance, voluntary insurance for cars, etc. In addition to the expenses for insurance, there is a problem that it is economically burdensome because the expenses are further spent.

  In addition, the above-mentioned conventional pension-secured loans are accompanied by interest on loans for the loans received every month for a certain period from retirement to receiving pensions. There is a problem that there is an interest and, for example, since the repayment including the interest is made from the beneficiary pension, it is economically burdensome.

  Therefore, as a financial product that overcomes the problems of the above-mentioned conventional financial products, for example, during the period from retirement to the start of pension payment, the funds secured by the bank according to the contract details with the customer are used for a certain period during the contract period. In addition to splitting loans to customers on a case-by-case basis, investing the funds secured by the bank to obtain investment income, and reducing interest paid by customers to return investment income, thereby reducing the customer's economic burden Financial products are also conceivable.

  For example, according to the contents of a contract to receive a monthly loan of 100,000 yen for 10 years from the retirement age to the start of pension payment (loan period: 10 years, monthly loan amount: 100,000 yen, total loan amount: 12 million yen) Secures a total loan amount of 12 million yen by transacting with fund companies. Then, the bank provides a monthly loan of 100,000 yen to the customer from the secured total loan amount of 12 million yen, and obtains investment income by investing part of the total loan amount of 12 million yen However, “pension-type loan loans with fund special contracts” that reduce the financial burden on customers by using interest paid by customers as a return target for investment can be considered.

  However, in the financial products mentioned above, the interest paid by the customers for which the return on investment is paid is the interest accumulated by each of the split loans and the funds secured by the bank after the end of the contract period. There is a repayment interest included in the divided repayment amount when the repayment is made by dividing the repayment by a predetermined number of repayments, and there is a problem that it is difficult for the customer to grasp the interest situation that is consumed by the investment profit.

  Accordingly, the present invention has been made to solve the above-described problems in financial products, and an interest situation notification program and an interest situation that enable a customer to easily grasp the interest situation that is consumed by investment profits. An object is to provide a notification device and an interest status notification method.

In order to solve the above-described problems and achieve the object, the present invention provides a loan to the customer for the funds secured by the finance company according to the contents of the contract with the customer at regular intervals during the contract period. An interest status notification program for causing a computer to execute an interest status notification method for notifying the customer of the status of interest borne by the customer for a financial product for investing and managing the funds secured by the The interest paid by the customer is the target for the return of the investment profit, and the investment profit return interest calculation procedure for calculating the interest that can be returned each time the investment profit is acquired, and the investment profit return interest calculation procedure. Based on the interest that can be returned, the interest status notification that informs the terminal operated by the customer of the interest status to be canceled out of the interest borne by the customer Characterized in that to execute the order, to the computer.

Further, in the present invention according to the above-mentioned invention, the investment profit return interest calculation procedure sets the accumulated interest accumulated until the end of a contract period for each of the split loans as a return object of the investment profit, and the return is possible. The accumulated interest to be cleared is calculated as a non-interest, and the cleared interest status notification procedure is based on the accumulated interest calculated by the investment return interest calculation procedure. Among them, the state of accumulated interest to be erased is notified to the terminal operated by the customer.

Further, according to the present invention, in the above-described invention, the investment profit reduction interest calculation procedure includes a repayment interest when the funds secured by the financial operator are divided and repaid after a predetermined number of repayments. The split repayment amount repaid in the above is used as the return target of the investment profit, and the number of repayments to be canceled is calculated as the interest that can be returned. Based on the number of repayments to be erased, the status of the number of repayments to be erased out of the interest borne by the customer is notified to the terminal operated by the customer.

Further, in the present invention according to the present invention, in the above-mentioned invention, the investment profit reduction interest calculation procedure may be performed when the remaining amount after returning the investment profit to the accumulated interest for one installment loan is greater than the installment repayment amount. The repayment amount is prioritized, and the number of repayments to be erased is further calculated as the interest that can be refunded. Based on the accumulated interest on the split loan and the number of repayments to be erased, out of the interest borne by the customer, the terminal of the customer operates to notify the status of the accumulated interest to be erased and the number of repayments. To do.

In addition, the present invention provides funds that are secured by a financial company in accordance with the contents of a contract with a customer and are split into the customer at regular intervals during the contract period, and the funds secured by the financial company are invested and managed to improve operating profits. An interest status notification device for notifying the customer of the interest status borne by the customer, the interest borne by the customer being the return target of the investment income, and the investment gain being acquired Each of the interests calculated by the return on interest calculated by the return on interest calculated by the return on interest calculated on the return on interest calculated by the return on interest calculated on the return on interest. And a consumption interest state informing means for informing the terminal operated by the customer of the interest state to be received.

In addition, the present invention provides funds that are secured by a financial company in accordance with the contents of a contract with a customer and are split into the customer at regular intervals during the contract period, and the funds secured by the financial company are invested and managed to improve operating profits. An interest status notification method for notifying the customer of the status of interest borne by the customer for the financial product for which the interest paid by the customer is to be returned as the investment income Each of the interests that the customer pays based on the returnable interest calculation step for calculating the returnable interest and the returnable interest calculated by the return on investment interest calculation step. And a consumption interest status notification step of notifying the terminal operated by the customer of the status of interest to be received.

According to the present invention, the interest paid by the customer is set as a return target of the investment profit, and whenever the investment profit is acquired, the returnable interest is calculated, and based on the calculated returnable interest, the customer Of the interest to be paid, the customer will be informed of the status of interest that will be erased. For example, the customer will bear the interest by displaying the interest status that will be erased on the screen of the terminal operated by the customer. It is possible to intuitively recognize the interest reduction status, and it becomes possible for the customer to easily grasp the interest status that is consumed by the investment profit. In addition, the customer can grasp the interest reduction situation that he / she bears and obtain a mental margin.

In addition, according to the present invention, the cumulative interest accumulated until the end of the contract period for each split loan is set as the return on investment income, and the accumulated interest that is eliminated is calculated as interest that can be returned. Based on the accumulated interest that is erased, the customer's operating terminal is notified of the status of accumulated interest that is to be erased, for example, the accumulated interest that is erased on the screen of the terminal operated by the customer By displaying the interest status, the customer can intuitively recognize the interest reduction status borne by the customer, and the customer can easily grasp the interest status that is consumed by the investment profit.

In addition, according to the present invention, when the funds secured by the financial service provider are divided and repaid by a predetermined number of repayments after the end of the contract period, the divided repayment amount including the repayment interest is returned to the operating profit. Calculate the number of repayments that will be canceled as interest that can be refunded, and operate the customer on the status of the number of repayments to be canceled out of the interest paid by the customer based on the calculated number of repayments Since the notification is made to the terminal, for example, by displaying the status of the number of repayments to be erased on the screen of the terminal operated by the customer, the customer can intuitively recognize the interest reduction status borne by the customer, It is possible to easily grasp the interest situation that will be consumed by investment profits. In addition, the finance company that is the loan source can cancel repayment after the end of the contract period by canceling the number of repayments, thereby reducing the risk of uncollected loans. .

Further, according to the present invention, when the remaining amount after returning the investment profit to the accumulated interest for one installment loan is greater than the installment repayment amount, the installment repayment amount is prioritized and applied as the interest that can be returned. The amount of accumulated interest and repayment of interest paid by the customer based on the calculated accumulated interest on one installment loan to be canceled and the number of repayments to be canceled To the terminal operated by the customer, for example, by displaying the status of the accumulated interest and the number of repayments to be erased on the screen of the terminal operated by the customer, the customer can reduce the interest reduced by himself / herself Can be recognized intuitively, and it becomes possible for the customer to easily grasp the interest situation that is consumed by the investment profit.

  Exemplary embodiments of an interest status notification program, an interest status notification device, and an interest status notification method according to the present invention will be described below in detail with reference to the accompanying drawings. Hereinafter, a case where the present invention is applied to a server provided in a bank will be described as an example. In the following, the configuration and processing procedure of the server device according to the first embodiment and the effects of the first embodiment will be described in order, and then, similarly to the first embodiment, the server device according to the second embodiment and the third embodiment will be described. The server apparatus according to this embodiment and the server apparatus according to the fourth embodiment will be described in this order.

[Explanation of terms]
First, main terms used in the following examples will be described. The “pension-type loan loan with fund special contract” used in the following examples means that funds secured by a financial institution according to the contents of a contract with a customer are given to the customer at regular intervals during the contract period, as shown in FIG. This is a financial product that is split-financed and obtains operating profit by investing and managing the funds secured by the financial company, and corresponds to the “financial product” described in the claims. FIG. 1 is a diagram for explaining a pension type loan with a fund contract.

  In “Pension-type loan loan with fund special contract”, the customer applies to “Bank” (corresponding to “Financial Service Provider” described in the claims) for a loan to compensate for the decrease in income until receiving the pension. The contract details are determined with the “bank” loan officer (see (1) in FIG. 1). For example, a contract is determined that includes “loan period: 10 years from January 2007, monthly loan amount: 100,000 yen, repayment frequency: 240 times (20 years), total loan amount: 12 million yen”. That is, from January 2007 to December 2016, the customer receives “monthly: 100,000 yen” from the bank a total of 120 times, and from January 2017 to December 2036, the bank “ By paying "amount of money" a total of 240 times, the loan received from the bank is repaid.

  Then, the bank sells the “total loan amount” as a fund, and secures the “total loan” amount from the fund company (see (2) in FIG. 1). Specifically, the bank sells “12 million yen” of “pension funds” with a high yield to fund companies to procure “total loan amount: 12 million yen”. Then, the bank secures “fund: 12 million yen” from the fund company that purchased the “pension fund”.

  Then, the bank starts a split loan to the customer from the secured “total loan amount” (see (3) in FIG. 1). For example, the bank starts a split loan of “every month: 100,000 yen” from January 2007 according to “contract contents” from “12 million yen” secured.

  Then, the bank invests and secures the funds for the “total loan amount” secured (see (4) in FIG. 1). Specifically, the bank manages “10.8 million yen” excluding the annual total split loan (1,200,000 yen) as the investment management amount for the first year (2007), and acquires the investment profit. Then, for example, the operating profit is totaled with a monthly closing. In the second year (2008), the investment management amount is “9.6 million yen” obtained by subtracting the total annual lending amount (1.2 million yen) from “10.8 million yen”. In the third year (2009), “8.4 million yen”, which is obtained by subtracting the annual total loan amount (1.2 million yen) from “9.6 million yen”, is the preferred investment management amount in order to secure the funds for the split loan to be paid to customers annually. However, the present invention is not limited to this. In addition, in the “pension type loan loan with fund special contract”, a bank may perform investment management, or a fund company requested by a bank may perform investment management.

[Outline and Features of Server Device in First Embodiment]
Next, the main features of the server device according to the first embodiment will be specifically described with reference to FIGS. 2 and 3. FIG. 2 is a diagram for explaining the outline of the server device in the first embodiment, and FIG. 3 is a diagram for explaining the features of the server device in the first embodiment.

  The server device according to the first embodiment outlines that the above-mentioned “pension-type loan loan with fund special contract” notifies the terminal operated by the customer of the state of interest paid by the customer.

  Here, the “interest paid by the customer” means “cumulative interest” accumulated by the end of the contract period for each split loan, and a predetermined number of repayments of funds secured by the bank after the contract period ends. This is the “repayment interest” included in the installment repayment amount when repayment in installments.

  For example, as shown in FIG. 2, if an interest of "1,000 yen per month" is imposed on "divided loan: 100,000 yen", the " The “cumulative interest” is “120,000 yen”, and the “cumulative interest” in the split loan that the customer received from the bank in January 2008 is “108,000 yen”. The total accumulated interest for each divided loan at the end of the loan period (December 31, 2016) is “7.26 million yen”.

  In addition, as shown in FIG. 2, after the loan period ends, when “financing total amount: 12 million yen” is repaid with “repayment frequency: 240” from January 2017, Of this, “10,000 yen” is “repayment interest”, and the total of “240 times” repayment interest is 2.4 million yen. The amount of “cumulative interest” and “repayment interest” is determined in accordance with the details of the agreement between the customer and the bank when the customer applies for the “pension-type loan loan with fund special agreement”. Is.

  Then, the server device in the first embodiment contracts the “pension-type loan loan with fund special contract”, and shows the status of “cumulative interest” and “repayment interest” borne by the customer who has started receiving split loans. As shown in FIG. 2, the “cumulative interest” is displayed in a “monthly” table format, and an image representing “repayment interest” as “number of repayments” is displayed on the screen of the customer's terminal.

  Here, the present invention is mainly characterized in that it becomes possible for the customer to easily grasp the interest situation that is consumed by the investment profit. The main feature will be briefly described. The server apparatus according to the first embodiment sets the accumulated interest as a return target of the investment profit, and calculates the accumulated interest that is eliminated as the returnable interest every time the investment profit is acquired. .

  Specifically, when the acquired operational profit is input, the server apparatus according to the first embodiment calculates the accumulated interest that is eliminated as the interest that can be returned to the operational profit. For example, if “Periodic operating profit for January 2007: 132,500 Yen”, which is aggregated at the end of the month, is input by the bank manager (see (1) in FIG. 3), the accumulated interest is “ “Monthly: 1 thousand yen”, so “cumulative interest to be erased” is 132,000 yen (“Breakdown” is “Total accumulated interest for split loans in January 2007: 120,000 yen” and “ “Accumulated interest for the split loan in February 2007: 12,000 yen”) (see (2) in FIG. 3). At this time, “5 million yen”, which is the difference between “January 2007 operating profit: 132,500 yen” and “Established accumulated interest: 132,000 yen”, will be carried over to the next time. Calculated as “operating profit” (see (2) in FIG. 3). The “operating profit” input here is an amount obtained by subtracting the interest paid to the fund company that purchased the bank fee or “pension fund”.

  And the server apparatus in Example 1 alert | reports to the terminal which a customer operates the condition of the accumulated interest to be erased among the interest which a customer pays based on the calculated accumulated interest to be erased. Specifically, among the interest paid by customers, "Total accumulated interest for split loans in January 2007: 120,000 yen" and "Accumulated interest for split loans in February 2007: 12,000 yen "Is erased, and it is notified that the" next-run operating profit "is" 5 hundred yen "(see (3) in FIG. 3). For example, as shown in FIG. 3, the accumulated interest that has been applied is blacked out, and “cumulative interest for the split loan in February 2007” is changed from “119 (119,000 yen)” to “107 (10 77,000 yen) ”, and an image displaying“ operating profit for the next carryover: 5 hundred yen ”is displayed on the screen of the customer's terminal. In the present embodiment, a case will be described in which an e-mail attached with an image as shown in FIG. 3 is transmitted to the customer's terminal to notify the interest state to be erased, but the present embodiment is limited to this. It may be a case where a Web mail is not sent.

  For this reason, the server device according to the first embodiment intuitively recognizes the interest reduction status borne by the customer, for example, by displaying the interest status that is erased on the screen of the terminal operated by the customer. This makes it possible to easily grasp the interest situation that is consumed by the client's investment profit. In addition, the customer can grasp the interest reduction situation that he / she bears and obtain a mental margin.

[Configuration of Server Device in First Embodiment]
Next, the server apparatus in Example 1 is demonstrated using FIGS. FIG. 4 is a block diagram illustrating a configuration of the server device according to the first embodiment, FIG. 5 is a diagram for explaining an operational profit storage unit according to the first embodiment, and FIG. 6 illustrates an interest situation according to the first embodiment. FIG. 7 is a diagram for explaining a storage unit, FIG. 7 is a diagram for explaining an operating profit reduction interest calculation unit in the first embodiment, and FIG. 8 is a diagram for explaining a consumption interest status notification unit in the first embodiment. It is a figure for doing.

  As illustrated in FIG. 4, the server device 10 according to the first embodiment includes an input unit 11, an output unit 12, an input / output control I / F unit 13, a storage unit 14, a processing unit 15, and a communication control unit 16. And is connected to the terminal 20 via a network.

  The input unit 11 inputs various information. For example, a keyboard, a touch panel, and the like correspond to this, and particularly those closely related to the present invention, the operating profit used for processing by the processing unit 15 is input from a keyboard operated by a bank asset manager. .

  The output unit 12 outputs various information. For example, a display, a speaker, or the like corresponds to this, and particularly as closely related to the present invention, a processing result by the erased interest status notification unit 15b described later is displayed on the screen of the display.

  The communication control unit 16 controls communication with other devices. For example, it controls the transfer of data sent and received over the network, and in particular closely related to the present invention, controls the transmission of data representing the consumption interest status to the customer's terminal.

  The input / output control I / F unit 13 controls data transfer between the input unit 11, the output unit 12, the communication control unit 16, the storage unit 14, and the processing unit 15.

  The storage unit 14 stores data used for various types of processing by the processing unit 15 and various types of processing results by the processing unit 15, and as particularly closely related to the present invention, as shown in FIG. 14a and an interest status storage unit 14b.

  The operational profit storage unit 14 a stores the operational profit input from the input unit 11. Specifically, the operational profits that are aggregated and input by the monthly closing are stored in association with each customer. For example, as shown in FIG. 5A, the operational profit “132 million yen” for “January 2007” can be identified by “customer ID: A001” and “customer mail” that can uniquely identify the customer. Address: A001@xxx.com ”is stored.

  In addition, the investment benefit storage unit 14a stores “carry-over operation gain” calculated by the investment benefit return interest calculation unit 15a described later. This will be described in detail in the description of the investment benefit reduced interest calculation unit 15a.

  The interest status storage unit 14b stores “accumulated interest” among the interests borne by the customer in association with each customer. For example, if the interest of “Monthly: ¥ 1,000 per month” is imposed on “Split loan: ¥ 100,000”, as shown in FIG. 6A, at the end of the loan period (December 31, 2016) ) “Accumulated interest” in the split loan received in “January 2007” is “120,000 yen” and “Accumulated interest” in the split loan received in “September 2016” is “4,000 yen” This is stored in association with “customer ID: A001” and “customer mail address: A001@xxx.com” that can uniquely identify the customer.

  In addition, the interest status storage unit 14b stores a result of “applied accumulated interest” calculated by an investment benefit return interest calculation unit 15a described later. This will be described in detail in the description of the investment benefit reduced interest calculation unit 15a.

  The processing unit 15 executes various processes based on the operational profit transferred from the input / output control I / F unit 13, and particularly as closely related to the present invention, as shown in FIG. A calculation unit 15a and a consumption interest status notification unit 15b are provided. Here, the investment profit reduction interest calculation unit 15a corresponds to the “operational profit reduction interest calculation procedure” described in the claims, and the application interest status notification unit 15b similarly applies to the “application interest status notification procedure”. Correspond.

  The investment profit return interest calculation unit 15a sets the accumulated interest as a return object of the investment profit, calculates the accumulated interest to be eliminated as the returnable interest every time the investment profit is acquired, and stores the result as the investment profit storage Stored in the unit 14a and the interest status storage unit 14b. For example, the person in charge of the bank inputs the operating profits totaled at the closing date to the input unit 11, and the operating profit storage unit 14a stores "Operating profit for January 2007: 1325,000 yen". Then (see (A) in FIG. 5), as shown in FIG. 7, as “cumulative interest to be erased”, 132,000 yen (“breakdown” is “cumulative interest for split loans in January 2007” "Total amount: 120,000 yen" and "Accumulated interest for split loans in February 2007: 12,000 yen"), and the result ("Accumulated interest for split loans in January 2007: 0 yen") And “cumulative interest for split loans in February 2007: 107,000 yen” are stored again in the interest status storage unit 14b (see FIG. 6B).

  In addition, as shown in FIG. 7, the investment gain reduction interest calculation unit 15 a calculates “operating profit for January 2007: 132,500 yen” and “accumulated interest: 132,000 yen”. The difference between the two is calculated as “operating income for the next carry-over” and the result (“operating income for the carry-over: ¥ 500” in “February 2007”) is renewed. 14a (see FIG. 5B). When "February 2007 operating profit" is entered and stored, the "February 2007 operating profit" and "February 2007: Carrying forward operating profit: 5 hundred yen" are added up. The interest paid by the customer shall be returned using the amount.

  Based on the calculated accumulated accumulated interest, the consumed interest status notification unit 15b notifies the terminal 20 operated by the customer of the accumulated interest status of the interest paid by the customer. Specifically, among the interest paid by customers, "Total accumulated interest for split loans in January 2007: 120,000 yen" and "Accumulated interest for split loans in February 2007: 12,000 yen ”Is erased, and the accumulated interest that has been eliminated is blacked out, for example, as shown in FIG. “Accumulated interest for split loans in February 2007” was changed from “119 (119,000 yen)” to “107 (107,000 yen)”. Is displayed on the screen of the customer's terminal 20 for notification. At that time, an e-mail attached with an image as shown in FIG. 8 may be notified to the terminal 20 operated by the customer (customer e-mail address: A001@xxx.com).

[Processing procedure by server device in embodiment 1]
Next, processing performed by the server device 10 according to the first embodiment will be described with reference to FIG. FIG. 9 is a diagram illustrating a processing procedure of the server apparatus according to the first embodiment.

  First, when the operating profit is input to the server device 10 according to the first embodiment (Yes in step S901), the operating profit return interest calculation unit 15a calculates the accumulated interest that is eliminated as the interest that can be returned to the operating profit ( Step S902). For example, as shown in FIG. 5A, when “operating profit for January 2007: 132,500 yen” is stored in the operating profit storage unit 14a, as shown in FIG. "Accumulated interest to be eliminated" is 132,000 yen ("Breakdown" is "Total accumulated interest for split loans in January 2007: 120,000 yen") and "Accumulated interest for split loans in February 2007" "12,000 yen"), and the difference between "January 2007 operating profit: 132,500 yen" and "Accumulated interest: 132,000 yen" Calculate “5 hundred yen” as “operating income for the next carry-over”.

  Then, based on the calculated accumulated accumulated interest, the consumed interest status notification unit 15b notifies the terminal 20 operated by the customer of the status of accumulated interest to be consumed among the interests borne by the customer ( Step S903), the process is terminated. For example, as shown in FIG. 8, the accumulated interest that has been applied is blacked out, and the “cumulative interest for the split loan in February 2007” is changed from “119 (119,000 yen)” to “107 (10 77,000 yen) ”, and an image displaying“ operating profit for the next carryover: 5 hundred yen ”is displayed on the screen of the customer's terminal 20 for notification. At that time, an e-mail attached with an image as shown in FIG. 8 may be notified to the terminal 20 operated by the customer (customer e-mail address: A001@xxx.com).

[Effect of Example 1]
As described above, according to the first embodiment, the interest paid by the customer is set as the return target of the investment profit, and the returnable interest is calculated every time the investment profit is input, and the calculated returnable interest is calculated. Of the interest paid by the customer is notified to the terminal 20 operated by the customer, for example, the interest status to be erased is displayed on the screen of the terminal 20 operated by the customer. Thus, the customer can intuitively recognize the interest reduction status borne by the customer, and the customer can easily grasp the interest status that is consumed by the investment profit. In addition, the customer can grasp the interest reduction situation that he / she bears and obtain a mental margin.

  In addition, according to the first embodiment, the accumulated interest is set as a return target of the investment profit, the accumulated interest that is eliminated as the interest that can be reduced is calculated, and the customer pays based on the calculated accumulated interest that is eliminated. Of the interest, the terminal 20 operated by the customer notifies the terminal 20 of the accumulated interest to be erased. For example, by displaying the situation of the accumulated interest to be erased on the screen of the terminal 20 operated by the customer, the customer himself It is possible to intuitively recognize the state of interest reduction to be borne, and it becomes possible to easily grasp the interest state that is consumed by the investment profit by the customer.

  In the first embodiment described above, the case where the accumulated interest is set as the return target of the investment profit has been described. In the second embodiment, the case where the divided repayment amount is set as the return target of the investment profit will be described.

[Outline and Features of Server Device in Second Embodiment]
First, the main features of the server apparatus according to the second embodiment will be specifically described with reference to FIG. FIG. 10 is a diagram for explaining the outline and features of the server device according to the second embodiment.

  The server device according to the second embodiment uses the divided repayment amount including the repayment interest when the funds secured by the bank are divided and repaid after the contract period ends. , Calculate the number of repayments to be canceled as interest that can be reduced. Specifically, when the acquired operational profit is input, the server device according to the second embodiment calculates the number of repayments to be erased as an interest that can be returned to the operational profit. For example, when “Monthly operating profit for January 2007: 132,500 Yen” aggregated at the end of the month is input from a bank representative (see (1) in FIG. 10), “Pension type loan loan” (“payment interest: 10,000 yen” including “split repayment amount: 60,000 yen” is paid over “240 repayments”), “the number of repayments to be erased” "2 times" ("split amount for split repayment: 60,000 yen" x "2 times" = "120,000 yen") is calculated (see (2) in FIG. 10). Also, at this time, “125,000 yen, which is the difference between“ January gain for January 2007: 132.5 million yen ”and“ Amount corresponding to the number of repayments to be erased: 120,000 yen ”. “Yen” is calculated as “operating profit for the next carry-over” (see (2) in FIG. 10).

  And the server apparatus in Example 2 alert | reports the condition of the frequency | count of repayment erased to the terminal which a customer operates among the interest paid by a customer based on the calculated repayment frequency | count calculated. Specifically, it is notified that the “repayment count for two times” out of the interest paid by the customer has been erased (see (3) in FIG. 10). For example, as shown in FIG. 10, the repayment count is changed from “240” to “238”, and an image that displays “operating profit for the next carryover: 125,000 yen” is displayed on the screen of the customer terminal. Notify by displaying.

  For this reason, the server device according to the second embodiment displays, for example, the status of the number of repayments to be erased on the screen of the terminal operated by the customer, so that the customer can intuitively understand the interest reduction status borne by the customer. This makes it possible to easily grasp the interest situation that the customer will be consumed by the investment profit. In addition, the finance company that is the loan source can cancel repayment after the end of the contract period by canceling the number of repayments, thereby reducing the risk of uncollected loans. .

[Configuration of Server Device in Second Embodiment]
Next, the configuration of the server device according to the second embodiment will be described with reference to FIGS. 4 and 11 to 14. FIG. 4 is a block diagram illustrating a configuration of the server device according to the first embodiment, FIG. 11 is a diagram for explaining an operational profit storage unit according to the second embodiment, and FIG. 12 illustrates an interest situation according to the second embodiment. FIGS. 13A and 13B are diagrams for explaining a storage unit, FIG. 13 is a diagram for explaining an operating profit reduction interest calculation unit according to the second embodiment, and FIG. 14 is a diagram illustrating a consumption interest status notification unit according to the second embodiment. It is a figure for doing.

  The server device 10 according to the second embodiment has the same configuration as that of the server device 10 according to the first embodiment illustrated in FIG. 4, but the contents stored in the interest status storage unit 14 b, the operating profit reduction interest calculation unit 15 a, and the application interest. The processing contents of the situation notification unit 15b are different. Hereinafter, these will be mainly described.

  The interest status storage unit 14b stores “interest payment amount” out of interest paid by the customer in association with each customer. For example, as shown in FIG. 12 (A), “split repayment amount: 60,000 yen” including “repayment interest: 10,000 yen” is changed from “repayment frequency: 1, repayment month: January 2017” to “repayment”. Stores the payment of the customer of “customer ID: A001, customer mail address: A001@xxx.com” over “240 times” until “number of times: 240, repayment month: December 2036”.

  In addition, the interest status storage unit 14b stores a result of “number of repayments to be erased” calculated by an operating profit return interest calculation unit 15a described later. This will be described in detail in the description of the investment benefit reduced interest calculation unit 15a.

  The return-on-interest calculation unit 15a uses the installment repayment amount as the return target of the return on investment, calculates the number of repayments to be applied as returnable interest, and uses the result as the return on investment return 14a and the interest status storage 14b. To store. For example, the person in charge of the bank inputs the operating profits totaled at the closing date to the input unit 11, and the operating profit storage unit 14a stores "Operating profit for January 2007: 1325,000 yen". Then (see (A) of FIG. 11), as shown in FIG. 13, the “number of repayments to be erased” is “2 times” (“split amount for split: 60,000 yen” × “2 times” = “120,000 Yen ”), and as a result, the repayment count for two times,“ repayment count: 239, repayment month: November 2036 ”and“ repayment count: 240, repayment month: December 2036 ”, was erased This is again stored in the interest status storage unit 14b (see FIG. 12B).

  In addition, as shown in FIG. 13, the return on investment interest calculation unit 15a calculates the difference between “Operating profit for January 2007: 132,500 yen” and “Accumulated interest: 120,000 yen”. "125,000 yen" is calculated as the "next-run carry-on profit" and the result ("February 2007" carry-on profit: 125,000 yen ") The data is stored again in the operational benefit storage unit 14a (see FIG. 11B). When “February 2007 operating profit” is entered and stored, the “February 2007 operating profit” and “February 2007: Carrying forward operating profit: 125,000 yen” The interest paid by the customer shall be returned using the total amount of.

  The consumption interest status notification unit 15b notifies the terminal operated by the customer of the status of the number of repayments to be erased out of the interest paid by the customer based on the calculated number of repayments to be erased. Specifically, in order to notify that the “repayment count for two times” of the interest paid by the customer has been erased, for example, as shown in FIG. 14, the repayment count is changed from “240” to “238”. And an image for displaying “operating profit for the next carry-over: 125,000 yen” is displayed on the screen of the customer's terminal 20 for notification. At that time, an e-mail attached with an image as shown in FIG. 14 may be notified by transmitting it to the terminal 20 operated by the customer (customer e-mail address: A001@xxx.com).

[Processing procedure by server device in embodiment 2]
Next, processing performed by the server device 10 according to the second embodiment will be described with reference to FIG. FIG. 15 is a diagram illustrating a processing procedure of the server apparatus according to the second embodiment.

  First, when the operating profit is input to the server device 10 according to the first embodiment (Yes in step S1501), the operating profit return interest calculation unit 15a calculates the number of repayments to be canceled as the interest that can be returned to the operating profit ( Step S1502). For example, as shown in FIG. 11A, when “operating profit for January 2007: 1325,000 yen” is stored in the operating profit storage unit 14a, as shown in FIG. As “number of repayments to be erased”, “2 times” (“split amount for split: 60,000 yen” × “2 times” = “120,000 yen”) is calculated, and “operating profit for January 2007: 13” “125,000 yen”, which is the difference between “25,500 yen” and “applied accumulated interest: 120,000 yen”, is calculated as “next-run carry-on gain”.

  Then, based on the calculated number of repayments to be erased, the erased interest status notification unit 15b informs the terminal operated by the customer of the status of the number of repayments to be erased out of the interest borne by the customer (step) S1503), the process is terminated. Specifically, in order to notify that the “repayment count for two times” has been erased, for example, as shown in FIG. 14, the repayment count is changed from “240” to “238”. An image displaying “12,500 yen” is displayed on the screen of the customer's terminal 20 for notification. At that time, an e-mail attached with an image as shown in FIG. 14 may be notified by transmitting it to the terminal 20 operated by the customer (customer e-mail address: A001@xxx.com).

[Effect of Example 2]
As described above, according to the second embodiment, the installment repayment amount is set as the return target of the investment profit, the repayment count to be erased is calculated as the interest that can be returned, and the calculated repayment count is calculated based on the calculated repayment count. Of the interest borne by the customer, the customer's terminal is informed of the status of the repayment to be erased. For example, by displaying the status of the repayment to be erased on the screen of the terminal operated by the customer, the customer It is possible to intuitively recognize the interest reduction status borne by itself, and it becomes possible for the customer to easily grasp the interest status that is consumed by the investment profit. In addition, the finance company that is the loan source can cancel repayment after the end of the contract period by canceling the number of repayments, thereby reducing the risk of uncollected loans. .

  In the above-described first embodiment, the case where the accumulated interest is set as the return target of the investment profit has been described. In the above-described second embodiment, the case where the divided repayment amount is set as the return target of the investment profit has been described. Then, after the accumulated interest for one installment loan is targeted for reduction, when the remaining amount of investment profit is larger than the installment repayment amount, a case will be described in which the installment repayment amount is prioritized and the return is made.

[Outline and Features of Server Device in Embodiment 3]
First, the main features of the server device according to the third embodiment will be specifically described with reference to FIG. FIG. 16 is a diagram for explaining the outline and features of the server device according to the third embodiment.

  The server device according to the third embodiment returns the operating profit to the accumulated interest for one installment loan and calculates the remaining amount. For example, in the server device of the third embodiment, when the operation charge for January 2007, which is tabulated at the closing date of the month, is 192,000 yen, is input from the person in charge of the bank ((1 in FIG. 16). )), From the contract details of “Pension-type loan loan with fund special agreement”, the accumulated interest “120,000 yen” for the split loan in “January 2007” will be returned from the investment profit as accumulated interest, “Remaining amount: 72,500 yen” is calculated (see (2) in FIG. 16).

  Then, when the remaining amount after the return is larger than the divided repayment amount, the server apparatus according to the third embodiment gives priority to the divided repayment amount, and further calculates the number of repayments to be erased as interest that can be returned. For example, “Remaining amount: 72,500 yen” is compared with “Split amount: 60,000 yen”, and “Remaining amount” is larger than “Split amount” (see (3) in FIG. 16). Priority is given to the split repayment amount, and the “repayment count to be erased” as the interest that can be redeemed is “1 time” (“split amount: 60,000 yen” x “1 time” = “60,000 yen”) Calculate (see (4) in FIG. 16). At this time, “January 2007 investment gain: 1925 million yen” to “cumulative interest for one installment loan: 120,000 yen” and “amount corresponding to the number of repayments to be cancelled: 6 “125,000 yen”, which is an amount obtained by subtracting “10,000 yen”, is calculated as “next-run carry-on gain” (see (4) in FIG. 16).

  And the server apparatus in Example 3 is based on the calculated interest accumulated for the one-time split loan to be erased and the number of repayments to be erased. Of the interest paid by the customer, the accumulated interest and the number of repayments to be erased. To the terminal operated by the customer. Specifically, out of the interest paid by the customer, “cumulative interest for the split loan in January 2007: 120,000 yen” is cleared, “the number of repayments for one time” is cleared, In order to notify that the “operating profit for carry-over” is “12,500 yen”, for example, as shown in FIG. 16, the accumulated interest that has been applied is blacked out, and the repayment count is “240”. To “239”, and an image displaying “operating profit for the next carryover: 125,000 yen” is displayed on the screen of the customer's terminal.

  For this reason, the server device according to the third embodiment displays, for example, the status of the accumulated interest and the number of repayments that are erased on the screen of the terminal operated by the customer, so that the customer can bear the interest he / she bears. It is possible to intuitively recognize the reduction status of the customer, and it becomes possible to easily grasp the interest status that is consumed by the investment profit by the customer.

[Configuration of Server Device in Embodiment 3]
Next, the configuration of the server device according to the third embodiment will be described with reference to FIGS. FIG. 17 is a block diagram illustrating the configuration of the server device according to the third embodiment, FIG. 18 is a diagram for explaining the operational profit storage unit according to the third embodiment, and FIG. 19 illustrates the cumulative interest status storage unit. FIG. 20 is a diagram for explaining the repayment count state storage unit, and FIG. 21 is a diagram for explaining the operating profit return interest calculation unit in the third embodiment. 22 is a diagram for explaining a consumption interest status notification unit according to the third embodiment.

  As illustrated in FIG. 17, the server device 10 in the third embodiment is basically the same as the server device 10 in the first embodiment illustrated in FIG. 4, and the accumulated interest status storage unit 14 c is used instead of the interest status storage unit 14 b. And a repayment number status storage unit 14d, and the processing contents of the operating profit return interest calculation unit 15a and the application interest status notification unit 15b are different. Hereinafter, these will be mainly described.

  The accumulated interest status storage unit 14c stores “accumulated interest” of interest paid by the customer in association with each customer. For example, if interest of “1,000 yen per month” is imposed on “split loan: 100,000 yen”, as shown in FIG. 19A, at the end of the loan period (December 31, 2016) ) “Accumulated interest” in the split loan received in “January 2007” is “120,000 yen” and “Accumulated interest” in the split loan received in “September 2016” is “4,000 yen” This is stored in association with “customer ID: A001” and “customer mail address: A001@xxx.com” that can uniquely identify the customer.

  The accumulated interest status storage unit 14c stores a result of “applied accumulated interest” calculated by the investment benefit reduced interest calculation unit 15a. This will be described in detail in the description of the investment benefit reduced interest calculation unit 15a.

  The repayment count state storage unit 14d stores “split repayment amount” in the interest paid by the customer in association with each customer. For example, as shown in FIG. 20 (A), “split payment amount: 60,000 yen” including “repayment interest: 10,000 yen” is changed from “repayment frequency: 1, repayment month: January 2017” to “repayment”. Stores the payment of the customer of “customer ID: A001, customer mail address: A001@xxx.com” over “240 times” until “number of times: 240, repayment month: December 2036”.

  In addition, the repayment number status storage unit 14d stores a result of “the number of repayments to be erased” calculated by the investment benefit return interest calculation unit 15a described later. This will be described in detail in the description of the investment benefit reduced interest calculation unit 15a.

  The investment profit reduction interest calculation unit 15a returns the investment profit to the accumulated interest for one installment loan and calculates the remaining amount. For example, the person in charge of the bank inputs the operating profits totaled at the closing date to the input unit 11, and the operating profit storage unit 14a stores "Operating profit for January 2007: 192,500 yen". Then (see (A) of FIG. 18), as shown in FIG. 21, the accumulated interest of “120,000 yen” for the split loan in “January 2007” is reduced from the investment profit as the accumulated interest that is eliminated, Calculate “Remaining amount: 72,500 yen”. At this time, the investment return interest calculation unit 15a again stores the result of “cumulative interest for the split loan in January 2007: 0 yen” in the accumulated interest status storage unit 14c ((B in FIG. 19). )reference).

  Then, when the remaining amount after the return is larger than the divided repayment amount, the investment benefit return interest calculation unit 15a gives priority to the divided repayment amount and further calculates the number of repayments to be applied as a returnable interest. For example, as shown in FIG. 21, the “remaining amount: 72,500 yen” is compared with the “split payment amount: 60,000 yen”, and the “remaining amount” is larger than the “split payment amount”. Priority is given to the repayment amount, and the number of repayments that can be canceled is calculated as “one payment” (“split payment amount: 60,000 yen” × “one payment” = “60,000 yen”) as a refundable interest. . At this time, “January 2007 investment gain: 1925 million yen” to “cumulative interest for one installment loan: 120,000 yen” and “amount corresponding to the number of repayments to be cancelled: 6 “125,000 Yen”, which is the amount after subtracting “10,000 Yen”, is calculated as “Operating income for the next carry-over”.

  At this time, the investment profit return interest calculation unit 15a stores again in the repayment count state storage unit 14d that the repayment count of “repayment count: 240, repayment month: December 2036” has been erased. (Refer to FIG. 20B). In addition, the return on investment interest calculation unit 15a stores the result of “February carry-on investment profit: 125,000 yen” in “February 2007” in the investment gain storage unit 14a (FIG. 18). (See (B)). When “February 2007 operating profit” is entered and stored, the “February 2007 operating profit” and “February 2007: Carrying forward operating profit: 125,000 yen” The interest paid by the customer shall be returned using the total amount of.

  Based on the calculated accumulated interest for one installment loan to be erased and the number of repayments to be erased, the application interest status notification unit 15b calculates the accumulated interest and the number of repayments to be paid by the customer. The situation is notified to the terminal operated by the customer. Specifically, out of the interest paid by the customer, “cumulative interest for the split loan in January 2007: 120,000 yen” is cleared, “the number of repayments for one time” is cleared, In order to notify that “operating profit for carry-over” is “12,500 yen”, for example, as shown in FIG. 22, the accumulated interest that has been applied is blacked out, and the number of repayments is “240”. ”To“ 239 ”, and an image displaying“ operating profit for the next carry-over: 125,000 yen ”is displayed on the screen of the customer's terminal. At that time, an e-mail attached with an image as shown in FIG. 22 may be notified to the customer (customer e-mail address: A001@xxx.com) by transmitting it to the terminal 20.

[Processing procedure by server device in embodiment 3]
Next, processing performed by the server device 10 according to the third embodiment will be described with reference to FIG. FIG. 23 is a diagram illustrating a processing procedure of the server apparatus according to the third embodiment.

  First, when the operating profit is input to the server device 10 in the third embodiment (Yes in step S2301), the operating profit reduction interest calculation unit 15a returns the operating profit to the accumulated interest for one installment loan, and the remaining amount Is calculated (step S2302). For example, as shown in FIG. 18A, when “operating profit for January 2007: 192,000 yen” is stored in the operating profit storage unit 14a, as shown in FIG. “120,000 yen”, which is the accumulated interest on the split loan of “January 2007”, is returned from the investment profit as the accumulated interest to be eliminated, and “remaining amount: 72,500 yen” is calculated. If the investment profit is less than “cumulative interest for one installment loan”, as in Example 1, the basic unit is interest of “1,000 yen per month” for “split loan: 100,000 yen”. The accumulated interest may be eliminated, or the investment profit may be set as the “next-balance carry-on investment profit”.

  Then, the investment profit return interest calculation unit 15a compares the calculated remaining amount with the divided repayment amount (step S2303), and when the remaining amount after the return is smaller than the divided repayment amount (No in step S2304), the applied interest status The alerting | reporting part 15b alert | reports the condition of the interest to be erased to the customer's terminal 20 (step S2306), and complete | finishes a process. Specifically, for example, the fact that “accumulated interest for one installment loan” has been erased is displayed on the screen of the terminal 20 operated by the customer, for example.

  On the other hand, if the remaining amount after the return is greater than the split repayment amount (Yes in step S2304), the split repayment amount is prioritized and the number of repayments to be canceled is further calculated as the interest that can be returned (step S2305). ). For example, as shown in FIG. 21, the “remaining amount: 72,500 yen” is compared with the “split payment amount: 60,000 yen”, and the “remaining amount” is larger than the “split payment amount”. Priority is given to the repayment amount, and the number of repayments that can be canceled is calculated as “one payment” (“split payment amount: 60,000 yen” × “one payment” = “60,000 yen”) as a refundable interest. . At this time, “January 2007 investment gain: 1925 million yen” to “cumulative interest for one installment loan: 120,000 yen” and “amount corresponding to the number of repayments to be cancelled: 6 “125,000 Yen”, which is the amount after subtracting “10,000 Yen”, is calculated as “Operating income for the next carry-over”.

  Then, based on the calculated accumulated interest for one installment loan to be erased and the number of repayments to be erased, the erased interest status notifying unit 15b includes the accumulated interest and repayment to be erased out of the interest borne by the customer. The situation of the number of times is notified to the terminal operated by the customer (step S2306), and the process ends. Specifically, out of the interest paid by the customer, “cumulative interest for the split loan in January 2007: 120,000 yen” is cleared, “the number of repayments for one time” is cleared, In order to notify that “operating profit for carry-over” is “12,500 yen”, for example, as shown in FIG. 22, the accumulated interest that has been applied is blacked out, and the number of repayments is “240”. ”To“ 239 ”, and an image displaying“ operating profit for the next carry-over: 125,000 yen ”is displayed on the screen of the customer's terminal. At that time, an e-mail attached with an image as shown in FIG. 22 may be notified by transmitting it to the terminal 20 operated by the customer (customer e-mail address: A001@xxx.com).

[Effect of Example 3]
As described above, according to the third embodiment, when the remaining amount after returning the investment profit to the accumulated interest for one installment loan is greater than the installment repayment amount, the installment repayment amount is prioritized and the interest that can be returned As a further calculation of the number of repayments to be canceled, and the accumulated interest on the customer's interest based on the calculated accumulated interest on the single installment loan and the number of repayments to be canceled and Since the terminal 20 operated by the customer is informed of the status of the repayment, for example, the customer pays himself / herself by displaying the status of the accumulated interest and the number of repayments to be erased on the screen of the terminal operated by the customer. It is possible to intuitively recognize the interest reduction status, and it becomes possible for the customer to easily grasp the interest status that is consumed by the investment profit.

  Now, although the server apparatus in Examples 1-3 was demonstrated so far, this invention may be implemented with a various different form other than the Example mentioned above. Therefore, in the following, various different embodiments will be described as (1) to (5) as server devices in the fifth embodiment.

(1) Aggregation of investment profits In the above-described Examples 1 to 3, the case where the investment profits are aggregated by month-end has been described. However, the present invention is not limited to this. The interval for summing up according to the contract details may be arbitrarily changed. For example, it may be a case where the operating profit is totaled every quarter or every half year.

(2) Notification of interest status In the first to third embodiments described above, the case where the server device provided in the bank notifies the interest status that is erased to the terminal operated by the customer every time the person in charge of the bank inputs operational profit. Although described above, the present invention is not limited to this, and when the notification request is received from the customer, the server device may notify the interest status to be erased by the terminal operated by the customer. . For example, the customer accesses the server device from a terminal operated by the customer, the server device accepts a password from the terminal operated by the customer, authenticates the customer, and the terminal from which the customer operates the interest status to be erased. It may be displayed on the screen.

(3) Display of interest status to be erased In the above first to third embodiments, the case where the interest status to be erased is displayed in a tabular format and notified to the customer has been described, but the present invention is limited to this. Instead, for example, the interest status to be erased may be displayed in the form of a pie chart or a bar graph to notify the customer.

(4) System configuration etc. In addition, among the processes described in the above embodiments, all or a part of the processes described as being automatically performed can also be performed manually (for example, an operating profit is input). Notifying the interest situation that is erased by the notification, but notifying the interest situation that is automatically erased at regular intervals, etc.) or all or part of the processing described as being performed manually You can also do this automatically. In addition, the processing procedures, specific names, information including various data and parameters (for example, information shown in FIG. 6) shown in the above text and drawings may be arbitrarily changed unless otherwise specified. it can.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. That is, the specific form (for example, the form of FIG. 17) of dispersion | distribution / integration of each processing part and each memory | storage part is not restricted to what is illustrated, for example, accumulated interest status memory | storage part 14c, repayment frequency status memory | storage part 14d, The whole or a part thereof can be configured to be functionally or physically distributed / integrated in an arbitrary unit according to various loads or usage conditions. Further, all or any part of each processing function performed in each device may be realized by a CPU and a program analyzed and executed by the CPU, or may be realized as hardware by wired logic.

(5) Interest status notification program In the above first to third embodiments, the case where various processes are realized by hardware logic has been described. However, the present invention is not limited to this, and a program prepared in advance. May be executed on a computer. Therefore, in the following, an example of a computer that executes an interest status notification program having the same function as that of the server device 10 described in the first embodiment will be described with reference to FIG. FIG. 24 is a diagram illustrating the computer that executes the interest status notification program according to the first embodiment.

  As shown in FIG. 24, a computer 240 as an information processing apparatus is configured by connecting a keyboard 241, a display 242, a CPU 243, a ROM 244, an HDD 245, a RAM 246, and a communication control unit 16 via a bus 247 or the like, and further via a network. Connected to the terminal 20.

  In the ROM 244, an interest status notification program that performs the same function as the server device 10 described in the first embodiment, that is, as shown in FIG. 24, an operating profit return interest calculation program 244a, an application interest status notification program. 244b is stored in advance. Note that these programs 244a and 244b may be appropriately integrated or distributed in the same manner as each component of the server apparatus 10 shown in FIG.

  Then, the CPU 243 reads out these programs 244a and 244b from the ROM 244 and executes them, so that the programs 244a and 244b are operated profit return interest calculation process 243a, application interest status notification process, as shown in FIG. It comes to function as 243b. Each of the processes 243a and 243b corresponds to the operating profit return interest calculation unit 15a and the application interest status notification unit 15b shown in FIG.

  Further, as shown in FIG. 24, the HDD 245 is provided with operational profit storage data 245a and interest status storage data 245b. This operational profit storage data 245a corresponds to the operational profit storage section 14a used in FIG. 4, and the interest status storage data 245b corresponds to the interest status storage section 14b. Then, the CPU 243 registers the operational profit storage data 246a with respect to the operational profit storage data 245a, registers the interest status storage data 246b with respect to the interest status storage data 245b, and the operational profit storage data 246a and the interest status storage data. The interest status notification process is executed based on H.246b.

  The above programs 244a and 244b are not necessarily stored in the ROM 244 from the beginning. For example, a flexible disk (FD), a CD-ROM, an MO disk, a DVD disk, a magneto-optical disk inserted into the computer 240, and the like. A “portable physical medium” such as a disk or an IC card, or a “fixed physical medium” such as an HDD provided inside or outside the computer 240, and further via a public line, the Internet, a LAN, a WAN, etc. Each program may be stored in “another computer (or server)” connected to the computer, and the computer 240 may read and execute each program from these programs.

(Appendix 1) Funds secured by a financial institution in accordance with the details of the contract with the customer are split into the customer at regular intervals during the contract period, and investment profit is obtained by investing and operating the funds secured by the financial institution An interest status notification program for causing a computer to execute an interest status notification method for notifying the customer of the status of interest borne by the customer for the financial product,
The interest paid by the customer is the target for the return of the investment profit, and each time the investment profit is acquired, the investment profit return interest calculation procedure for calculating the interest that can be returned;
Based on the returnable interest calculated by the operating profit return interest calculation procedure, out of the interest borne by the customer, the interest status notification to be notified to the terminal operated by the customer Procedure and
An interest situation notification program for causing a computer to execute

(Supplementary Note 2) The procedure for calculating the return on investment profit is set as the return on the investment profit, which is accumulated by the end of the contract period for each of the split loans, and is applied as the returnable interest. Calculate cumulative interest,
The cleared interest status notification procedure is configured to determine the status of accumulated interest to be cleared out of the interest borne by the customer based on the accumulated interest to be erased calculated by the investment interest return interest calculating procedure. The interest status notification program according to appendix 1, which is notified to an operating terminal.

(Supplementary note 3) The above-mentioned procedure for calculating the return on investment profit is the installment repayment amount including the repayment interest when the funds secured by the financial operator are divided and repaid after a predetermined number of repayments. To calculate the number of repayments to be eliminated as the returnable interest,
The cleared interest status notification procedure is configured to determine the status of the number of repayments to be erased out of the interest borne by the customer based on the number of repayments to be erased calculated by the investment profit reduction interest calculation procedure. The interest status notification program according to appendix 1, which is notified to an operating terminal.

(Additional remark 4) When the remaining amount after returning the investment profit to the accumulated interest for one installment loan is greater than the installment repayment amount, the installment return interest calculation procedure gives priority to the installment repayment amount, Further calculating the number of repayments to be erased as the returnable interest,
The applied interest status notification procedure includes the interest paid by the customer based on the accumulated interest for the one installment loan to be applied and the number of repayments to be applied, calculated by the operating profit return interest calculation procedure. The interest status notification program according to appendix 1, wherein the terminal that is operated by the customer is notified of the accumulated interest and the number of repayments.

(Appendix 5) Funds secured by financial firms in accordance with the details of the contract with the customer are split into the customers at regular intervals during the contract period, and investment profits are obtained by investing and operating the funds secured by the financial firm An interest status notification device that notifies the customer of the status of interest borne by the customer for the financial product,
The interest paid by the customer is the target for the return of the investment profit, and the investment profit reduction interest calculating means for calculating the returnable interest each time the investment profit is acquired;
Based on the returnable interest calculated by the investment profit reduction interest calculation means, out of the interest borne by the customer, the interest interest status notification that informs the terminal operated by the customer of the status of the interest to be erased Means,
An interest status notification device comprising:

(Appendix 6) Funds secured by financial firms in accordance with the details of the contract with the customer are split into the customers at regular intervals during the contract period, and investment profits are obtained by investing and operating the funds secured by the financial firm An interest status notification method for notifying the customer of the status of interest borne by the customer,
The interest paid by the customer is set as the return target of the investment profit, and the investment profit reduction interest calculating step of calculating the interest that can be returned each time the investment profit is acquired;
Based on the returnable interest calculated by the investment profit return interest calculation step, out of the interest borne by the customer, the interest status notification to be notified to the terminal operated by the customer Process,
An interest status notification method characterized by comprising:

  As described above, the interest status notification program, the interest status notification device, and the interest status notification method according to the present invention provide the customer with funds secured by a financial operator in accordance with the contents of the contract with the customer at regular intervals during the contract period. This is useful for notifying the customer of the interest situation incurred by the customer regarding the financial products that are financed by the split financing and investing and managing the funds secured by the financial institution to obtain investment gains. It is suitable for easily grasping the interest situation that is eliminated by investment profit.

It is a figure for demonstrating the pension type loan with a fund special provision. It is a figure for demonstrating the outline | summary of the server apparatus in Example 1. FIG. It is a figure for demonstrating the characteristic of the server apparatus in Example 1. FIG. It is a block diagram which shows the structure of the server apparatus in Example 1. FIG. FIG. 3 is a diagram for explaining an operation benefit storage unit in the first embodiment. It is a figure for demonstrating the interest condition memory | storage part in Example 1. FIG. It is a figure for demonstrating the investment profit reduction interest calculation part in Example 1. FIG. It is a figure for demonstrating the consumption interest status alerting | reporting part in Example 1. FIG. It is a figure for demonstrating the procedure of the process of the server apparatus in Example 1. FIG. It is a figure for demonstrating the outline | summary and characteristic of the server apparatus in Example 2. FIG. FIG. 10 is a diagram for explaining an operational benefit storage unit in the second embodiment. FIG. 10 is a diagram for explaining an interest status storage unit according to the second embodiment. It is a figure for demonstrating the investment profit reduction interest calculation part in Example 2. FIG. It is a figure for demonstrating the consumption interest status alerting | reporting part in Example 2. FIG. FIG. 10 is a diagram for explaining a processing procedure of a server device according to the second embodiment. It is a figure for demonstrating the outline | summary and characteristic of the server apparatus in Example 3. FIG. It is a block diagram which shows the structure of the server apparatus in Example 3. FIG. FIG. 10 is a diagram for explaining an operation benefit storage unit according to the third embodiment. It is a figure for demonstrating a cumulative interest condition memory | storage part. It is a figure for demonstrating a repayment frequency status memory | storage part. It is a figure for demonstrating the investment profit reduction interest calculation part in Example 3. FIG. It is a figure for demonstrating the consumption interest status alerting | reporting part in Example 3. FIG. FIG. 10 is a diagram for explaining a processing procedure of a server device according to a third embodiment. It is a figure which shows the computer which performs the interest condition alerting | reporting program of Example 1. FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Server apparatus 11 Input part 12 Output part 13 Input / output control I / F part 14 Storage part 14a Operational profit storage part 14b Interest status storage part 15 Processing part 15a Operational profit return interest calculation part 15b Consumption interest state notification part 16 Communication control Part 20 terminal

Claims (6)

Financial products that are financed by a financial institution according to the details of the contract with the customer and split into the customer at regular intervals during the contract period, and the funds secured by the financial institution are invested to obtain operating income An interest status notification program for causing a computer to execute an interest status notification method for notifying the customer of the interest status borne by the customer,
The accumulated interest accumulated by the end of the contract period for each of the split loans that are the interest borne by the customer is subject to the return of the investment profit, and each time the investment profit is acquired, the accumulated interest and the A procedure for calculating the return interest on investment gains to calculate the accumulated interest to be extinguished as returnable interest based on the return on investment;
A terminal on which the customer operates the status of accumulated interest out of interest paid by the customer, based on the accumulated interest to be eliminated as the interest that can be refunded, calculated by the procedure for calculating the return on investment profit. A procedure for notifying interest consumption status to notify
An interest situation notification program for causing a computer to execute Financial products that are financed by a financial institution according to the details of the contract with the customer and split into the customer at regular intervals during the contract period, and the funds secured by the financial institution are invested to obtain operating income An interest status notification program for causing a computer to execute an interest status notification method for notifying the customer of the interest status borne by the customer,
When the funds secured by the financial service provider are divided and repaid after the contract period, which is the interest borne by the customer, is repayd by dividing the funds by the predetermined number of repayments, A return calculation procedure for return on investment profit, which calculates the number of repayments to be refunded as interest that can be returned based on the split repayment amount and the return on investment each time the investment profit is acquired,
A terminal on which the customer operates the status of the number of repayments to be erased out of the interest borne by the customer, based on the number of repayments to be erased as the interest that can be refunded calculated by the procedure for calculating the return on investment profit A procedure for notifying interest consumption status to notify
An interest situation notification program for causing a computer to execute Financial products that are financed by a financial institution according to the details of the contract with the customer and split into the customer at regular intervals during the contract period, and the funds secured by the financial institution are invested to obtain operating income An interest status notification program for causing a computer to execute an interest status notification method for notifying the customer of the interest status borne by the customer,
The accumulated interest accumulated by the end of the contract period for each of the split loans that are the interest borne by the customer is subject to the return of the investment profit, and each time the investment profit is acquired, the accumulated interest and the Based on the investment profit, calculate the accumulated interest that will be canceled as interest that can be returned, and the remaining amount after returning the investment profit to the accumulated interest for one installment loan will be calculated by the financial operator after the end of the contract period. When the secured funds are more than the installment repayment amount including interest for repayment when it is divided and repaid by a predetermined number of repayments, priority is given to the installment repayment amount, based on the installment repayment amount and the remaining amount A procedure for calculating the interest return on investment profit, which further calculates the number of repayments to be applied as returnable interest,
Of the interest borne by the customer based on the accumulated interest for one installment loan to be canceled and the number of repayments to be canceled, calculated as the returnable interest calculated by the procedure for calculating the return on investment profit, An interest interest status notification procedure for notifying the terminal operated by the customer of the status of accumulated interest and the number of repayments to be inserted;
An interest situation notification program for causing a computer to execute Financial products that are financed by a financial institution according to the details of the contract with the customer and split into the customer at regular intervals during the contract period, and the funds secured by the financial institution are invested to obtain operating income , An interest status notification device for notifying the customer of the status of interest borne by the customer,
The accumulated interest accumulated by the end of the contract period for each of the split loans that are the interest borne by the customer is subject to the return of the investment profit, and each time the investment profit is acquired, the accumulated interest and the A means for calculating the return on investment interest that calculates the accumulated interest that will be eliminated based on the return on interest;
A terminal on which the customer operates the status of accumulated interest to be erased out of the interest borne by the customer based on the accumulated interest to be eliminated as the interest that can be refunded calculated by the investment interest reduced interest calculating means. A consumption interest status notifying means for notifying to,
An interest status notification device comprising: Financial products that are financed by a financial institution according to the details of the contract with the customer and split into the customer at regular intervals during the contract period, and the funds secured by the financial institution are invested to obtain operating income , An interest status notification device for notifying the customer of the status of interest borne by the customer,
When the funds secured by the financial service provider are divided and repaid after the contract period, which is the interest borne by the customer, is repayd by dividing the funds by the predetermined number of repayments , Investment interest reduction interest calculation means for calculating the number of repayments to be redeemed as interest that can be reduced , based on the split repayment amount and the investment income, each time the investment income is acquired.
A terminal on which the customer operates the status of the number of repayments to be erased out of the interest borne by the customer based on the number of repayments to be erased as the returnable interest calculated by the operating profit reduced interest calculation means A consumption interest status notifying means for notifying to,
An interest status notification device comprising: Financial products that are financed by a financial institution according to the details of the contract with the customer and split into the customer at regular intervals during the contract period, and the funds secured by the financial institution are invested to obtain operating income , An interest status notification method for notifying the customer of the status of interest borne by the customer,
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The accumulated interest accumulated by the end of the contract period for each of the split loans that are the interest borne by the customer is subject to the return of the investment profit, and each time the investment profit is acquired, the accumulated interest and the Investment interest return interest calculation process for calculating accumulated interest to be eliminated as returnable interest based on investment income;
A terminal on which the customer operates the status of accumulated interest to be eliminated out of interest paid by the customer based on the accumulated interest to be eliminated as the interest that can be refunded calculated by the investment benefit interest calculation step A consumption interest status notification process to notify to,
An interest status notification method characterized by comprising:

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