JP2003036350A - Repayment management system and repayment management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent repayment from becoming overdue and materialize smooth financing service by a finance provider notifying a customer who has used the financing that a date of repayment is coming up or the like. SOLUTION: The present invention is a repayment managing system which manages repayment of financing in a financing service to a customer and comprises a customer database 22 which accumulates customer information including contacts of each customer, a finance managing database 25 which accumulates a history of financing services for each customer, a maturity date calculating part 24 which obtains a maturity date for each customer based on the finance managing database 25 and a repayment notifying part 26 which obtains information on contacts of each customer from the customer database 22 and notifies the customer of the maturity date based on the information on the contacts.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a repayment management system and a repayment management method for managing loan repayment in a loan service for customers.

[0002]

2. Description of the Related Art Conventionally, there has been an online system of a lending service that can receive a relatively small amount of money.
In the online system of this loan service, after accumulating the name, date of birth, address, repayment date, etc. of each customer in the customer database, the customer can receive a loan online from the loan provider, and If the customer receiving the loan does not pay the repayment by the payment date,
A processing center that provides a loan service performs a process (a dunning process) of sending a reminder letter to customers who have not paid the repayment. By the customer joining the loan service of this online system, the customer who joined the loan service was able to easily obtain a loan online from the loan service provider.

[0003]

However, as described above, in the online system of the financing service,
If the customer who received the loan does not pay the repayment by the repayment date, the loan service provider notified the customer who did not pay the repayment of the reminder after the repayment date. Customers could miss the repayment date.

On the other hand, a customer who wants to receive a loan from a loan service provider, when the scheduled repayment date approaches,
If there is a service that the loan service provider notifies in advance that the scheduled repayment date is approaching, the loan service provider can safely receive the loan. In addition, the loan service provider can operate the service soundly by complying with the repayment date.

Further, if the customer who received the loan has paid back the repayment money by the repayment date, the loan service provider
By increasing the credit quality of the customer who received the loan and raising the loan amount of the customer who received the loan, incentives to comply with the repayment date can be generated. It can be expected that lapses can be prevented.

Therefore, the present invention has been made in view of the above points, and a lending service provider notifies a customer who has made a loan that a repayment scheduled date of repayment is approaching. Accordingly, it is an object of the present invention to provide a repayment management system and a repayment management method capable of preventing a repayment date from being overdue and realizing a smooth loan service.

[0007]

The invention according to the present application has been made to solve the above problems, and the invention according to claim 1 is a repayment management system for managing loan repayment in a loan service to a customer. , A customer database that stores customer information including contact information of each customer, a loan management database that stores a history of loan services for each customer, and a repayment that acquires the repayment date of each customer based on the loan management database A day calculation means, and a repayment notifying means for acquiring information about a contact of each customer from the customer database and notifying the customer of the repayment date based on the information about the contact. To do.

According to the invention of claim 1,
It is possible to obtain information about the contact information of each customer who has already received a loan from the customer database, and notify each customer in advance of the repayment date based on the information about the contact information of each customer. Each customer who receives a loan from the institution can repay the repayment date at a predetermined date without forgetting the repayment date.

Further, as described above, when the customer who has received a loan from the loan service provider is approaching the scheduled repayment date, the loan service provider notifies the customer that the scheduled repayment date is approaching. The loan service provider who provides the service is
By providing this service, many new customers can be acquired.

The invention according to claim 2 is, in the repayment management system according to claim 1, repayment date confirmation means for confirming the payment date when the customer paid the repayment amount, and the payment confirmed by the refund confirmation means. A customer rating means for calculating the difference between the payment date and the repayment date acquired by the repayment date calculating means on the basis of a day, and ranking the creditworthiness of the customer by the calculated difference. It is what

According to the invention of claim 2 as described above,
The loan service provider who provided the loan to the customer uses the customer rating means to set the payment date when the customer paid the repayment,
Based on the difference between the repayment date of each customer acquired by the repayment date calculation means based on the loan management database, the credit rating of the customer who received the loan can be rated. Also,
The loan service provider can make a difference in the service provided to the customer based on the credit rating of the customer calculated by the customer rating means.

The invention according to claim 3 is the repayment management system according to claim 2, wherein the loan amount to the customer is changed based on the ranking of the creditworthiness of the customer calculated by the customer rating means. And a means for changing the loan amount.

According to the invention of claim 3 as described above,
The loan service provider can change the loan amount to the customer based on the credit rating of the customer calculated by the customer rating means. In addition, the loan service provider can lower the upper limit of the loan amount for customers who do not have creditworthiness by rating the creditworthiness of the above-mentioned customers. By setting a lower limit on the loan amount, it is possible to reduce the risk that the loan service provider is expected to receive.

The present invention according to claim 4 is a repayment management method for managing loan repayment in a loan service for a customer, comprising the step of accumulating customer information including information on contact information of each customer in a customer database; Accumulating the history of the loan service for the loan management database in the loan management database, acquiring the repayment date of each customer based on the loan management database, acquiring information about the contact information of each customer from the customer database, And notifying the customer of the repayment date based on information regarding the destination.

According to the invention of claim 4 as described above,
By obtaining information about the contact information of each customer who has already received a loan from the customer database and notifying each customer of the repayment date based on the information about the contact information of each customer, The customer can repay the loaned amount without forgetting the repayment date.

Further, as described above, a customer who receives a loan from a loan service provider informs the loan service provider that the scheduled repayment date is approaching when the loan repayment date is approaching. Since the service of being notified can be received, the financing service provider performing the service can obtain many new customers by performing the service.

According to a fifth aspect of the invention, in the repayment management method according to the fourth aspect, the step of confirming the payment date when the customer has paid the repayment, and the payment date based on the confirmed payment date. And a step of calculating a difference between the repayment date and ranking the creditworthiness of the customer by the calculated difference.

According to the invention of claim 5 as described above,
The difference between the payment date the customer paid the repayment and the original payment repayment date calculated based on the customer database allows the loan service provider to rank the creditworthiness of the customer who received the loan. . Further, the loan service provider can change the service content to be provided to the customer according to the creditworthiness of the customer.

The invention according to claim 6 is the repayment management method according to claim 5, characterized by having a step of determining the range of the loan amount of the customer by ranking the creditworthiness of the customer. It is a thing.

According to the invention of claim 6 as described above,
Since the loan service provider can set the upper limit of the loan amount of the customer by ranking the customers, the loan amount can be set low for the customer with low creditworthiness. Further, the lending service provider can lower the upper limit of the customer's loan amount to the customer with low creditworthiness, so that even if the customer with low creditworthiness cannot pay the loan amount. , It is possible to reduce the risk that the financing service provider receives.

[0021]

BEST MODE FOR CARRYING OUT THE INVENTION (Structure of Reply Management System) An embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing a reply management system according to this embodiment. FIG. 2 shows the contents of customer data stored in the customer database 22. FIG. 3 shows that the loan limit varies depending on the creditworthiness of the customer. FIG. 4 shows the contents of the history information accumulated in the loan management database 25.

As shown in FIG. 1, the reply management system according to this embodiment is a terminal 10 for a customer to receive various services online from a loan service provider.
And a repayment management unit 20 in which a loan service provider manages information on a customer's loan repayment, and an ATM 30 that automatically makes a loan / repayment to the customer.

The terminal 10 is used by a customer to receive various services online from a financing service provider, and is, for example, a mobile phone, a personal computer, a PDA or the like. Specifically, as shown in FIG. 1, the terminal 10 allows a customer to input customer data via an operation unit in the terminal 10 and transmits the input customer data to the customer information unit 21 via a communication network. To do.

The ATM 30 is a device for automatically lending and repayment to a customer, and examples thereof include an automatic payment device installed in a financial institution, a convenience store or the like. Specifically, when the customer receives a loan by operating the ATM 30, the ATM 30 outputs the loan to the loan completion signal financial processing unit 23 indicating that the customer has received the loan. Further, when the customer repays the loan amount, the ATM 30 causes the financial processing unit 23 to output a repayment signal indicating that the customer has repayed the loan amount.

The repayment management unit 20 is used by a loan service provider to manage information about a customer's loan repayment, and examples thereof include an information processing center provided in a financial institution. In the present embodiment, the repayment management unit 20
Customer information section 21, customer database 22, financial processing section 23, repayment date calculation section 24, loan management database 25, repayment notification section 26, repayment date confirmation section 27, customer rating section 28, and loan It has a forehead fluctuation part 29.

The customer information section 21 receives the customer data input by the customer from the terminal 10 via the communication network,
The received customer data is stored in the customer database 22. Specifically, the customer information unit 21 receives a request signal requesting an input form (displaying an input screen as shown in FIG. 5) for performing a reply service from the terminal 10 via the communication network. Then, the customer information unit 21 that has received the request signal from the terminal 10 acquires an input form for inputting customer information from the customer database, and transmits the input form to the terminal 10.

Here, the input form means that the customer uses the terminal 1
0 is an input screen display for inputting information about a customer via 0, and for example, as shown in FIG. 5, repayment email registration, cancellation of repayment email, registration / change of financial institution account, etc. are entered. There is an input screen display for doing.

The customer database 22 is for accumulating customer information including contact information of each customer, and is, for example, a dedicated machine. Specifically, in the present embodiment, the customer database 22 includes a card number indicating the customer's ID code, the customer's personal identification number, and the terminal name of the customer (for example, a personal computer, as shown in FIG. 2).
A mobile phone or the like and an ownership category in which the terminal 10 is owned (for example, when the terminal 10 is managed at home,
Enter "home"), the customer's email address, and
The address and the creditworthiness of the customer are accumulated.

Here, the "customer creditworthiness" stored in the customer database 22 indicates the degree of trust of the customer. The degree of credit is determined according to past repayment results, annual income of customers, and the like. In other words, in the present embodiment, as shown in FIG. 3, the creditworthiness of the customer is evaluated on the basis of the creditworthiness of the customer based on the past repayment record and the like in ten levels. Then, the customer database 22 limits the loan amount for lending to the customer on the basis of the customer creditworthiness evaluated on a scale of 10 (for example, when the customer creditworthiness is "5", the loan amount limit is " 5 million yen ").

When the loan completion signal indicating that the customer has received the loan is input from the ATM 30, the financial processing unit 23 stores the loan date and the like of the customer's loan in the loan management database 25 and also Is output to the repayment date calculation unit 24, which indicates that there is a loan from the repayment date calculation unit 24. Further, when the repayment signal indicating that the customer has repayed the loan amount is input from the ATM 30, the financial processing unit 23 causes the loan management database 25 to store the payment date when the customer paid the loan amount, and also from the ATM 30. The input repayment signal is output to the repayment date confirmation unit 27.

The repayment date calculation unit 24 is a repayment date calculation means for acquiring the repayment date of each customer based on the loan management database 25. Specifically, when the repayment date calculation unit 24 receives a loan completion signal indicating that the customer has received a loan from the financial processing unit 23, the repayment date calculation unit 24 is based on the loan date of the customer accumulated in the loan management database 25. Calculates the repayment date for the customer to repay the repayment amount, outputs the calculated repayment date to the reply notifying unit 26 as a repayment date calculation signal, and further accumulates the calculated repayment date in the loan management database 25. To do.

The loan management database 25 stores the history of loan services for each customer, and may be, for example, a dedicated machine. Specifically, in the loan management database 25, in the present embodiment, as shown in FIG. 4, a card number indicating a customer ID code, a loan date, a record number indicating a serial number of history, a repayment date, and the like are accumulated. It has been done.

The repayment notification section 26 is provided in the customer database 25.
Is a repayment notifying means that obtains information regarding the contact information of each customer from the customer and notifies the customer of the repayment date based on the information regarding the contact information. Specifically, the repayment notification unit 26
When the repayment date calculation signal is input from the repayment date calculation unit 24, the contact information of the customer who makes the repayment is stored in the customer database 2
The information about the repayment date is notified to the terminal 10 based on the acquired contact information after the repayment date is obtained immediately before (2 days before, for example, 3 days).

The means for the repayment notifying section 26 to notify the customer of the information regarding the repayment date may be, for example, communication by the Internet, telephone, or mail.

The repayment date confirmation unit 27 is a repayment date confirmation means for confirming the payment date when the customer paid the repayment amount. Specifically, when a repayment signal indicating that the customer has repayed the loan amount is input from the financial processing unit 23, the repayment date confirmation unit 27 uses the history information accumulated in the loan management database 25 to provide the loan to the customer. The payment date when the amount is paid is confirmed, and the confirmed payment date is used as a payment date confirmation signal by the customer rating unit 28.
Output to.

The customer rating unit 28 calculates the difference between the payment date confirmed by the repayment date confirmation unit 27 and the repayment date confirmed by the repayment date calculation unit 24, and calculates the difference. It is a customer rating means for ranking the creditworthiness of customers by the difference. Specifically, when the payment date confirmation signal is input from the repayment date confirmation unit 27, the customer rating unit 28 determines from the history information accumulated in the loan management database 25:
The repayment date information calculated by the repayment date calculation unit 24 and the payment date information for which the customer has already paid the repayment amount are acquired, and the difference between the acquired repayment date and the payment date is calculated, and the difference is calculated. Based on the customer's creditworthiness, the ranking is calculated, and the result of the creditability ranking is output to the loan amount changing unit 29.

The ranking of the creditworthiness of the customer is based on the payment date already paid by the customer, for example, if the payment date is before the repayment date and there is a large difference between the two. The customer rating unit 28 judges that the customer's repayment performance is good, and promotes the ranking of the creditworthiness of the customer (for example, "5" to "8" for "customer creditworthiness" shown in FIG. 3). To ").

On the other hand, if the payment date is after the repayment date and there is a large difference between the repayment dates, the customer rating section 28 judges that the repayment record of the customer is bad, and the customer credit Demote the power ranking (eg, reduce the "customer creditworthiness" shown in FIG. 3 from "5" to "3").

The loan amount changing unit 29 is a loan amount changing means for changing the loan amount to the customer based on the ranking of the creditworthiness of the customer calculated by the customer rating unit 28. Specifically, the loan amount fluctuating unit 29 determines the loan limit amount for lending to the customer based on the calculation result of the creditworthiness of the customer input from the customer rating unit 28, and indicates the loan limit amount after the determination. The limit signal is output to the repayment notification unit 26.

For example, as shown in FIG. 3, the loan amount fluctuating section 29 indicates that the credit rating of the customer is "5" from the customer rating section 28.
When the calculation result indicating that the change from "8" to "8" is input, the loan limit amount is increased from "5 million yen" to "8 million yen". On the other hand, as shown in FIG. 3, the loan amount fluctuating unit 29 indicates that the credit rating of the customer is “5” from the customer rating unit 28.
When a calculation result indicating that the loan amount has changed from “3” to “3” is input, the loan limit amount is reduced from “5 million yen” to “3 million yen”.

The repayment notifying unit 26 to which the loan limit signal is input from the loan amount changing unit 29 notifies the customer's terminal 10 via a communication network or the like in order to notify that the customer's loan amount has changed. .

(Reply Management Method Using Reply Management System) In the present embodiment, the reply management method by the reply management system having the above configuration can be implemented by the following procedure.

(1) Service application method for the customer to receive the repayment notice of the repayment from the financial institution before the repayment date. FIG. 5 is a service application method for the customer to receive the repayment notice of the repayment from the financial institution before the repayment date. It is the flowchart which showed. As shown in the figure, first, the terminal 10 owned by the customer.
Perform the step of displaying the TOP screen on the display section of (S
101). Specifically, the terminal 10 causes the customer to operate the terminal 10 to send a request signal requesting an input form (an input screen as shown in FIG. 5) for performing the service via the communication network to the customer information. It is transmitted to the section 21.

The customer information unit 21 to which the request signal is input from the terminal 10 acquires the input form for performing this service from the customer database 22, and transmits the acquired input form to the terminal 10. After that, the customer information section 21
The terminal 10 that receives the input form from, for example, FIG.
The TOP screen (initial screen) as shown in is displayed.

Here, the contents displayed on the TOP screen are, for example, registration of repayment mail, cancellation of repayment mail,
The selection display contents that can be selected to change the e-mail, the display contents for inputting the membership number, the display contents for inputting the personal identification number, and the like are included. In order to register this service, it is necessary to first select “Register repayment mail” on the TOP screen shown in FIG. 5 and enter the customer's membership number and PIN.

Next, the customer performs a step of inputting necessary items on the registration screen (S102). Specifically, TOP
Select "Register repayment mail" on the screen, enter the customer's membership number and PIN, and select the "Next" button displayed on the TPO screen to move to the registration screen. Then, the customer inputs the model of the terminal 10, the category in which the terminal 10 is owned, the customer's mail address, the customer's address, etc. according to the instruction displayed on the registration screen.

After that, the customer performs a registration procedure (S103). Specifically, if necessary items are entered in the registration screen shown in FIG. 5 and the "Next" button displayed on the screen is selected, the screen shifts to the screen for performing the registration procedure.
Then, the customer presses the button for selecting whether or not to perform the registration on the screen for performing the registration procedure.

When the customer selects the "register" button, the terminal 10 sends the predetermined information entered by the customer as customer data to the customer information section 21. Then, the customer information unit 21 having received the customer data from the terminal 10 stores the received customer data in the customer database 22. If the customer information unit 21 stores the customer data transmitted from the terminal 10 in the customer database 22,
It is also possible to notify the terminal 10 that the registration has been completed.

On the other hand, in the terminal 10, the customer "does not register".
When the button is selected, the customer data input by the customer until now is deleted, and the customer data is not transmitted to the customer information section 21.

(2) Method of canceling service for customer to receive repayment notice of repayment date from financial institution FIG. 6 shows a service for customer to receive repayment notice of repayment deposit from financial institution before repayment date. It is a flow chart showing a method of canceling. As shown in the figure, first, the step of displaying the "TOP screen" on the display unit of the terminal 10 of the customer is performed (S201). Specifically, the terminal 10 causes the customer to operate the terminal 10 to transmit a request signal requesting an input form for performing the service to the customer information unit 21 via the communication network.

The customer information unit 21 to which the request signal is input from the terminal 10 acquires the input form for performing this service from the customer database 22 and transmits the acquired input form to the terminal 10. After that, the customer information section 21
The terminal 10 that has received the input form from
A TOP screen (initial screen) is displayed as shown in FIG.

Then, in order to cancel this service, the customer selects "Cancel repayment mail" from the options displayed on the TOP screen, inputs the customer's membership number and personal identification number, and displays it on the screen. Select the displayed "Next" button.

Next, the customer performs a step for canceling the service (S202). Specifically, a cancellation screen as shown in FIG. 6 is displayed, and the customer presses the “cancel” button. When this "cancel" button is pressed, the terminal 10 transmits a cancel command signal for canceling this service to the customer information section 21. After that, the customer information unit 21 to which the cancellation command signal is input from the terminal 10 erases the customer data accumulated in the customer database and notifies the terminal 10 that this service has been canceled.

(3) Method of Changing E-mail Registered by Customer FIG. 7 is a flow chart showing a method of changing the e-mail registered by the customer. As shown in the figure, first, the step of displaying the "TOP screen" on the display unit of the terminal 10 of the customer is performed (S301). Specifically, the terminal 10
However, by operating the terminal 10 by the customer, a request signal requesting an input form for performing this service is transmitted to the customer information unit 21 via the communication network.

The customer information unit 21 to which the request signal is input from the terminal 10 acquires the input form for performing this service from the customer database 22 and transmits the acquired input form to the terminal 10. After that, the customer information section 21
The terminal 10 that has received the input form from
A TOP screen (initial screen) is displayed as shown in FIG.

Then, the customer selects one of the options displayed on the TOP screen to change the registered e-mail.
Select "Change E-mail", enter the customer's membership number and PIN, and select the "Next" button displayed on the screen.

Next, the customer performs a step of changing the electronic mail (S302). Specifically, as shown in FIG. 7, the customer inputs the model name of the terminal 10 to be changed, the ownership category of the terminal 10 to be changed, the changed e-mail address, etc., and the “change” button on the screen. push.

When this "change" button is pressed, the terminal 10
A change command signal for changing the content of the electronic mail is transmitted to the customer information unit 21. Then, the customer information unit 21 that has received the change command signal from the terminal 10 is
The contents of the electronic mail stored in 2 are changed, and the terminal 10 is notified that the contents of the electronic mail have been changed.

(4) Procedure until the customer receives the repayment notice of the repayment from the financial institution before the repayment date FIG. 8 is a flow chart showing the procedure until the customer receives the repayment notice of the repayment from the financial institution before the repayment date. It is a figure. As shown in the figure, first, the customer performs a step of receiving a loan from the ATM 30 (S401). Next, the financial processing unit 2
3 performs a step of accumulating loan history information in the loan management database 25 (S402). Next, the financial processing unit 23 performs a step of informing the repayment date calculation unit 24 that there is a loan (S403).

Specifically, when the customer receives a loan from the ATM 30, the ATM 30 outputs a loan completion signal indicating that the customer has received the loan to the financial processing unit 23. Then, the financial processing unit 23, which has received the loan signal from the ATM 30, accumulates history information such as the loan date and the loan amount of the loan of the customer in the loan management database 25 based on the loan signal, and the loan. The payment completion signal is output to the repayment date calculation unit 24.

Next, the repayment date calculation unit 24 calculates the repayment date of the customer based on the loan history information accumulated in the loan management database 25 (S40).
4). Specifically, the repayment date calculation unit 2 in which a loan completion signal indicating that the customer has received a loan is input from the financial processing unit 23
4 acquires the loan date of the customer accumulated in the loan management database 25, and calculates the repayment date when the customer repays the repayment amount.

Further, the repayment date calculation unit 24 uses the signal indicating the calculated repayment date as a repayment date calculation signal, and the reply notification unit 26.
And the calculated repayment date is accumulated in the loan management database 25. The repayment date can be calculated for each customer based on the loan amount, customer creditworthiness, and the like.

Next, the repayment notifying section 26 notifies the customer of information about the repayment date based on the repayment date calculated by the repayment date calculating section 24 and the contact information of the customer accumulated in the customer database 22. Perform (S405). After that, the repayment notifying unit 27 performs a step of accumulating the information of the repayment date transmitted to the customer's terminal 10 in the loan management database 25 (S406).

Specifically, the repayment notification section 27, to which the repayment date calculation signal is input from the repayment date calculation section 24, obtains the contact information of the customer making the repayment from the customer database 22, and immediately before the repayment date (for example, 3 days before), the terminal 10 corresponding to the acquired contact information of the customer is notified of the information regarding the repayment date, and the loan management database 25 is made to store the fact that the customer is notified of the information regarding the repayment date.

(5) A method of ranking the creditworthiness of the customer based on the repayment record of the customer and varying the loan limit amount for lending to the customer according to the ranking of the creditworthiness. It is a flow chart showing the procedure which ranks the creditworthiness of a customer based on a track record, and changes the loan amount of a loan to a customer according to the ranking of the creditworthiness.

As shown in the figure, first, the ATM 30 performs a step of receiving the repayment amount from the customer (S50).
1). Next, the financial processing unit 23 performs a step of accumulating the payment date when the repayment amount is received in the loan management database 25 (S502). Next, the financial processing unit 23 performs a step of informing the repayment date confirmation unit 27 that the customer has made a repayment (S503).

Specifically, when the ATM 30 receives the repayment amount from the customer, the ATM 30 outputs a repayment signal indicating that the repayment amount has been received from the customer to the financial processing unit 23. Then, the financial processing unit 23 to which the repayment signal is input from the ATM 30 stores the payment date when the customer paid the repayment amount in the loan management database 25 and outputs the repayment signal to the repayment date confirmation unit 27.

Next, the repayment date confirmation unit 27 confirms the payment date from the history information accumulated in the loan management database 25, and notifies the customer rating unit 28 of the confirmed payment date (S504). Specifically, the repayment date confirmation unit 27, to which the repayment signal is input from the financial processing unit 23,
Based on the history information accumulated in the loan management database 25, the payment date at which the customer paid the loan amount is confirmed, and the confirmed payment date is output to the customer rating unit 28 as a payment date confirmation signal.

Then, the customer rating unit 28 calculates the difference between the payment date confirmed by the repayment date confirmation unit 27 and the repayment date calculated by the repayment date calculation unit 24, and the customer difference is calculated based on the calculated difference. Creditworthiness is ranked and a step of notifying the loan amount varying unit 29 of the ranking result is performed (S505).

Specifically, the customer rating unit 28, to which the payment date confirmation signal is input from the repayment date confirmation unit 27, determines from the history information accumulated in the loan management database 25 that the customer will repay the repayment amount. Information and the payment date information that the customer has already paid the repayment amount, calculate the difference between the acquired repayment date and the payment date, and rank the customer's creditworthiness based on the difference. The loan amount fluctuation unit 2 which calculates and credits the credit rating result as a credit rating signal.
Output to 9.

After that, the loan amount changing unit 29 ranks the creditworthiness of the customers calculated by the customer rating unit 28,
The step of varying the loan limit for lending to the customer is performed (S506). Finally, the loan amount changing unit 29 stores the changed loan limit amount in the customer database (S50
7) Then, the repayment notifying unit 26 performs a step of notifying the terminal 10 of the customer of the changed loan limit amount (S508).

Specifically, the loan amount varying unit 29, to which the credit rating signal is input from the customer rating unit 28, determines the loan limit amount for lending to the customer based on the calculation result of the customer creditworthiness. A loan limit signal indicating the determined loan limit amount is output to the repayment notifying unit 26, and information indicating the changed loan limit is stored in the loan management database 22. Then, the repayment notifying unit 26 to which the loan limit signal is input from the loan amount changing unit 29 notifies the customer's terminal 10 via a communication network or the like in order to notify the information that the customer's loan amount has changed.

(Operation and Effect of Reply Management System and Reply Management Method) According to the reply management system and reply management method of this embodiment, the contact information of each customer who has already received a loan from the customer database 22 is related. Since the information can be obtained and the information regarding the repayment date can be notified to the respective customer before the repayment date based on the information regarding the contact information of each customer, each customer who receives the loan,
You can repay the loan amount without forgetting the repayment date.

Further, when the loan repayment date is approaching, the customer who receives the loan from the loan service provider etc. receives the service notified by the loan service provider etc. that the repayment date is approaching. Therefore, the loan service provider who provides the service can obtain many new customers by performing the service.

Further, the customer rating unit 28 is based on the difference between the payment date when the customer paid the repayment amount and the repayment date of each customer acquired by the repayment date calculation unit 24 based on the loan management database 25. Thus, the creditworthiness of the loaned customer can be rated. Therefore, the loan amount changing unit 29
Depending on the credit rating of the customer calculated by the customer rating unit 28, it is possible to make a difference in the services provided to the customer.

Further, the loan amount fluctuating section 29 can lower the upper limit of the loan amount for a customer who does not have creditworthiness by the credit rating of the above-mentioned customer. If the upper limit of the loan amount is set to be low for a customer who does not have the loan, even if the customer who receives the loan cannot pay the repayment, the risk that the loan service provider receives can be reduced.

Further, the customer information section 28 acquires an input form for inputting customer information from the customer database 22 in response to a request signal from the terminal 10, transmits the input form to the terminal 10, and the customer information section 28 The terminal 10 that has received the input form from displays the received input form on the display unit (not shown) in the terminal 10, so that the customer can obtain the input form based on the input form displayed on the display unit of the terminal 10. It is possible to easily apply for a loan service from the terminal 10.

(Modification) The present invention is not limited to the above embodiment, and the repayment processing section 20 stores a transfer destination database for accumulating information for a loan service provider to transfer a loan to a customer. Department, and a transfer unit for transferring a loan based on the transfer destination information accumulated in the transfer destination database unit.

The transfer destination database unit stores information for the loan service provider to transfer the loan money to the customer, and for example, a dedicated machine or the like can be used. Specifically, the customer information unit 21 receives the transfer destination information transmitted from the terminal 10 and accumulates the received transfer destination information in the transfer destination database. Here, examples of the transfer destination information include information such as a financial institution name, a branch name, an account number, a deposit type, an account holder, and the name of the transfer person.

The transfer section is for transferring the loan money based on the transfer information accumulated in the transfer destination database section. Specifically, when a loan application signal indicating that the customer has applied for a loan is input from the ATM 30, the transfer unit acquires transfer destination information corresponding to the customer who made the loan from the transfer destination database, The loan money is transferred to the financial institution account corresponding to the transfer destination information.

Next, a procedure for the customer to transfer the loan amount received from the loan provider to the financial institution account designated by the customer will be described below (not shown).

First, T is displayed on the display of the terminal 10 owned by the customer.
Perform the step of displaying the OP screen. Specifically, the terminal 10 sends a request signal requesting an input form (an input screen as shown in FIG. 5) for registering / changing the customer's financial institution account by operating the terminal 10 by the customer. It is transmitted to the customer information unit 21 via the communication network.

The customer information unit 21 to which the request signal is input from the terminal 10 acquires the input form for registering / changing the financial institution account from the customer database 22, and transmits the acquired input form to the terminal 10. To do. afterwards,
The terminal 10 that has received the input form from the customer information section 21.
Displays a selection screen for registering / changing a financial institution account on the TOP screen (initial screen).

When the customer selects "register / change financial institution account" displayed on the display unit of the terminal 10,
The terminal 10 transmits a selection signal indicating that the selection has been made to the customer information section 21. Then, the customer information unit 21 receiving the selection signal from the terminal 10 confirms whether or not the information of the customer's financial institution account is stored in the transfer destination database, and if the customer's financial institution account is not stored, For example, an input form such as “Currently, a financial institution account is not registered. Please enter the following contents” is acquired from the transfer destination database, and the acquired input form is transmitted to the terminal 10.

On the other hand, when the customer information section 21 confirms that the information of the financial institution account of the customer is stored in the transfer destination database, the customer information section 21 is, for example,
The currently registered account is as follows. If you wish to change it, please enter the following contents from the transfer destination database and input form obtained. Is transmitted to the terminal 10.

Next, the customer performs the step of inputting necessary items on the registration screen. Specifically, the terminal 10 that has received the input form for registering (or changing) the financial institution account from the customer information unit 10 registers (or changes) the financial institution account on the display unit of the terminal 10. To display the screen for. The screen display contents for inputting the registration (or change) of the financial institution account include, for example, the financial institution name,
Branch name etc. are mentioned.

Then, the customer inputs the necessary information for registering (or changing) the financial institution account through the operation unit of the terminal 10 according to the input screen displayed on the terminal 10, and the terminal 10 The input registration (or change) information is transmitted to the customer information section 21. After that, the customer information unit 21 that receives the registration / change information from the terminal 10 stores the registration / change information in the transfer destination database.

Then, when the transfer unit receives a loan application signal indicating that the customer has applied for a loan from the ATM 30, the transfer unit acquires the transfer destination information of the customer who made the loan from the transfer destination database. Acquire and transfer the loan to the customer's financial institution account corresponding to the transfer destination information.

As a result, the input form displayed on the terminal 10 can also display a screen for registering a financial institution account, so that the customer can register his or her financial institution account from the terminal 10 in real time. (The same applies to change / cancel).

Further, since the repayment management unit 20 is provided with a transfer unit and a transfer destination database, the transfer unit acquires the transfer destination information of the customer who has applied for the loan from the transfer destination database and acquires it. Based on the transfer destination information, the loan money can be transferred online to the financial institution account of the customer who applied for the loan.

[0091]

As described above, according to the repayment management system and the repayment management method of the present invention, the loan service provider is approaching the scheduled repayment date for the repayment with respect to the customer who made the loan. By letting us know
It is possible to prevent the repayment date from being overdue and realize a smooth loan service.

[Brief description of drawings]

FIG. 1 is a block diagram of a reply management system according to this embodiment.

FIG. 2 shows the contents of customer data stored in a customer database 22 according to this embodiment.

FIG. 3 shows a loan limit amount corresponding to a customer's creditworthiness accumulated in a customer database 22 in the present embodiment.

FIG. 4 is a loan management database 25 in this embodiment.
It is a figure showing the contents of the history information accumulated in.

FIG. 5 is a flowchart showing a procedure in which a customer applies for a service for receiving a repayment notice of a repayment payment date from a financial institution in the present embodiment.

FIG. 6 is a flowchart showing a procedure for a customer to cancel a service for receiving a repayment notice of repayment money from a financial institution before the repayment date in the present embodiment.

FIG. 7 is a flowchart showing a procedure for changing an electronic mail registered by a customer according to the present embodiment.

FIG. 8 is a flowchart showing a procedure until a customer receives a repayment notice of repayment money from a financial institution before a repayment date in the present embodiment.

FIG. 9 shows a procedure for ranking the creditworthiness of the customer based on the repayment record of the customer in the embodiment of the present invention, and changing the loan limit amount for lending to the customer according to the ranking of the creditworthiness. It is a flowchart.

[Explanation of symbols]

10 ... Terminal, 20 ... Repayment processing section, 21 ... Customer information section, 2
2 ... Customer database, 23 ... Financial processing section, 24 ... Repayment date calculation section, 25 ... Loan management database, 26 ... Repayment notification section, 27 ... Repayment date confirmation section, 28 ... Customer rating section, 29
... Loan amount change department, 30 ... ATM

Claims (6)

[Claims] 1. A repayment management system for managing loan repayment in a loan service for a customer, comprising a customer database for accumulating customer information including contact information of each customer, and a history of loan service for each customer. A loan management database, a repayment date calculation means for acquiring a repayment date of each customer based on the loan management database, and information about the contact information of each customer from the customer database, based on the information about the contact information, A repayment management system, comprising repayment notifying means for notifying the customer of the repayment date. 2. The repayment management system according to claim 1, wherein the repayment date confirmation means for confirming the payment date when the customer paid the repayment payment, and the payment date confirmed by the repayment date confirmation means,
A repayment management system comprising: a customer rating means for calculating a difference between the payment date and the repayment date acquired by the repayment date calculating means, and ranking the creditworthiness of the customer by the calculated difference. . 3. The repayment management system according to claim 2, further comprising a loan amount changing means for changing a loan amount to the customer based on a ranking of creditworthiness of the customer calculated by the customer rating means. A repayment management system having: 4. A repayment management method for managing loan repayment in a loan service for a customer, comprising the steps of accumulating customer information including information about contact information of each customer in a customer database, and a history of loan service for each customer. Accumulating in the loan management database, acquiring the repayment date of each customer based on the loan management database, acquiring information regarding the contact information of each customer from the customer database, and based on the information regarding the contact information And a step of notifying the customer of the repayment date, the repayment management method. 5. The repayment management method according to claim 4, wherein the step of confirming the payment date when the customer paid the repayment, and the payment date and the repayment date based on the confirmed payment date. Calculating a difference, and ranking the creditworthiness of the customer according to the calculated difference. 6. The repayment management method according to claim 5, further comprising a step of determining a loan amount range of the customer by ranking creditworthiness of the customer.