JP2003150783A - Method, system, and program for early repayment and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To meet clients' need for repaying debts in advance without going to banking organs when having some money to spare and banking organs' needs for reducing the burden to business for early repayment. SOLUTION: An early repayment system is provided with a means for storing information related to balances, a means for storing information related to an upper limit amount of money being a contract item preliminarily set by a client and information related to a desired balance, a means for comparing the balance with the desired balance in a scheduled date of early repayment preliminarily set by the client, a means for comparing a deducted amount obtained by subtracting the desired balance from the balance with the upper limit amount of money at least in the case of the balance exceeding the desired balance, and a means for taking the upper limit as the early repayment amount at least in the case of the deducted amount being larger than the upper limit amount and taking the deducted amount as the early repayment amount at least in the case of the deducted amount being smaller than the upper limit amount to perform the early repayment.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for so-called partial prepayment (hereinafter simply referred to as "prepayment repayment") in which a part of a loan is advanced and repayed before the repayment deadline after the loan is executed.

[0002]

[Prior Art] Due to anxiety about employment, a decline in asset value, and a long-term low interest rate due to recent deflation, personal loans,
Especially for households that borrow mortgages, there is a strong need to use surplus funds for prepayment of loans rather than savings.

On the other hand, the advance repayment affairs at a financial institution that is a lender of a loan require a considerable amount of time for customer consultation / reception, and the prepayment repayment requests from customers tend to be concentrated in a specific month such as a bonus payment month. In addition, financial institutions are in a situation in which a considerable administrative burden is imposed because processing is required each time a customer requests it.

[0004] For example, in carrying out prepayment, a customer generally fills in a request form issued by a financial institution,
It is necessary to submit this to the person in charge of transaction. At this time, the customer must bother to go to the financial institution, and it usually takes 20 to 30 minutes from the consultation of the prepayment to the completion of the request form, and also the stamp tax of a predetermined amount is required to be paid. Is. On the other hand, at financial institutions, in addition to spending a considerable amount of time dealing with customers, as a subsequent process, the person in charge of transaction issues an advance repayment vote for the prepayment transaction based on the submitted request form. However, the censor will check whether the issued prepayment repayment vote and the contents of the request form are consistent and censored, and the bookkeeping staff will operate the terminal based on the censored prepayment repayment vote. Various treatments are required.

These processes are required every time the customer makes prepayments, and place a considerable burden on both the customer and the financial institution. Therefore, there is a considerable need to simplify these processes. Incidentally, in order to meet the needs of both these customers and financial institutions, the prepayment method by telephone banking has become possible, although only recently.

[0006]

However, it cannot be said that the prepayment method using telephone banking alone has sufficiently met the needs of customers, etc., and further improvement of customer convenience and further reduction of the burden on financial institutions. Is desired.

The present invention has been made in order to solve the above problems in the prior art, and by using a simple system, a loan (especially a mortgage loan) can be provided when there is sufficient funds without visiting a financial institution. ) Is to meet both the customer's need to repay the prepayment as much as possible and the financial institution's need to reduce the prepayment administrative burden. Moreover, it aims at providing the system which took in the various customer needs.

[0008]

In order to achieve the above object, the present invention provides a means for storing information about a deposit balance and information about a desired balance which is a contract item preset by a customer in an prepayment system. Means for storing
A means for comparing the deposit balance with the desired balance on the scheduled prepayment date preset by the customer, and at least if the deposit balance exceeds the desired balance, the prepayment amount is obtained by subtracting the desired balance from the deposit balance. And a means for prepayment as an amount.

Further, the present invention is, in the prepayment system, means for storing information on deposit balance, means for storing information on maximum amount of money and desired balance, which are contract items preset by the customer, and customer. Means for comparing the deposit balance with the desired balance on the preset prepayment date, and at least when the deposit balance exceeds the desired balance, the upper limit is the deduction amount from the desired balance from the deposit balance. A means for comparing with the amount, and if at least the deduction amount exceeds the upper limit amount, the upper limit amount is a prepayment amount, and if at least the deduction amount is less than the upper limit amount, the deduction amount is an prepayment amount. And a means for performing prepayment, the present invention further provides a system for carrying up a prepayment period in prepayment. Means for storing the prepayment method, means for storing the prepayment period, means for confirming the prepayment method, and means for determining the repayment period after the next prepayment method if the prepayment method is a deadline prepayment method, At least the means for issuing an alarm to the customer when the redemption period after the next prepayment is less than the predetermined period is provided.

Furthermore, the present invention is a system for performing loan selection processing in prepayment, and means for storing a loan specifying item for specifying a loan borrowed by the customer, which is a contract item preset by the customer. , A means for determining whether or not there are a plurality of loans, and a means for selecting a loan for which prepayment is to be made by comparing lending conditions of the plurality of loans when there are a plurality of loans It is characterized by

Furthermore, according to the present invention, in a system for changing the prepayment method in prepayment, a means for storing the current interest rate and the conventional interest rate is compared with the current interest rate and the conventional interest rate to examine the trend of the interest rate. Means, a means for storing information about the prepayment method, which is a contract item preset by the customer and should be selected according to the trend of the interest rate, and a means for selecting the prepayment method according to the trend of the interest rate. It is characterized by being provided.

Furthermore, the present invention is a system for performing an alarm process relating to wrinkling at the time of final repayment in prepayment, and means for calculating the final repayment amount based on the loan balance and means for storing the repayment amount each time. And a means for comparing the final repayment amount with the repayment amount each time, and a device for giving an alarm to a customer when at least the final repayment amount exceeds a predetermined ratio of the repayment amount each time. And

The present invention can be applied not only as a system but also as a method, a program and a recording medium.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION [1]. Overall Configuration of System FIG. 1 schematically shows the system of the present invention. This system is roughly divided into a calculation center side and a sales office side. These are connected via a transmission medium such as LAN 1, 2 or network 3 and the information input from the terminals of each sales office (only one is shown for simplification of the drawing) are It is stored in a predetermined DB through the transmission medium.

On the computing center side, a host computer 4, a loan record database (hereinafter referred to as "DB") 5, a deposit account DB 6, a prepayment reservation DB 7, an interest rate D
B8 is connected to each other through LAN1. The host computer can freely read and write predetermined data from these DBs to perform predetermined processing. [2]. Setting of contract items [2-1]. Preparation of prepayment contract by customer When making prepayment, the customer must submit "prepayment repayment contract" and set the contract items in advance. I won't. However, in principle, this contract need only be submitted once unless the contract items are changed. It does not have to be submitted each time an prepayment is made as in the past. As a result, the time burden and cost burden on the customer are significantly reduced. The basic entries in the prepayment agreement and specific items are as follows.

[A]. Scheduled prepayment date: Set a desired date for prepayment. As a general rule, prepayment is done monthly, so for example, set it as "○ day". However, it is of course possible to set a desired date such as every day or every year such as ○ month × day.

[B]. Desired balance Set a desired balance to be left in the deposit account after prepayment. By setting the "desired balance", the customer can use only the surplus fund for prepayment.

[C]. Upper limit amount The upper limit amount for prepayment is set. For example, if a large amount of bonuses, real estate / stock sales, etc. is deposited into a repayment deposit account, the client will have all other funds scheduled to be used for prepayment of the loan, even though there are other planned payments. There is a problem that occurs. In order to prevent this, the customer must request the financial institution to cancel the prepayment in advance, and as a result, the financial institution may end up with the work of canceling the prepayment. By setting the “upper limit amount”, it is possible to set the upper limit amount for each prepayment, and it is possible to avoid these disadvantages. However, this "maximum amount of money" is not always required to be set, unlike the above-described items a and b, and can be arbitrarily set like the options described below.

[D]. Option The following items are basically optional items.

[D-1]. Advance period Regarding the period of advance repayment, the necessity of notification from the financial institution is set, in other words, the necessity of the financial institution to issue an alarm to the customer. What to set. Mainly related to the redemption period of special deductions such as housing loans. For example, in order to receive a special deduction for housing loans, the redemption period must be 10 years or longer, but if the redemption period is less than 10 years due to prepayment, the deduction for the current year and thereafter will be taken. There is a risk that you will not be able to. By setting the “advance period”, the financial institution will notify the customer in advance if the redemption period is expected to fall below 10 years due to the early repayment. The “advance period” is basically set based on the contract with the customer, but the financial institution may voluntarily set the period.

[D-2]. Loan selection Whether or not one wishes to select a loan that is advantageous for prepayment when using a plurality of loans, necessary items for specifying those loans, Also, it sets the conditions that should be prioritized when selecting a loan.

For example, a customer who borrows a plurality of housing loans such as employee mortgages and direct loans, and a customer who also uses non-residential loans such as big loans (others) and apartment loans are surplus funds. It is necessary to weigh the loan terms of the loan to determine which loan will be most repayable. According to the system of the present invention, in such a case, the system can automatically determine which loan is most advantageous for repayment.

A customer who wants "loan selection" has his / her own contract such as "loan name", "code representing loan name", and "loan transaction number" in addition to the fact that he / she wants to select a loan. Items necessary to identify "loans" (hereinafter referred to as "loan identification items") and, if desired, prioritized conditions for comparing loan conditions (hereinafter, "loan selection conditions"). “)” Is described in the entry in advance. The loan selection condition is set by designating which of the interest payment rate, the form of interest rate fluctuation, and the borrowing period is given priority. For example, if priority is given in the order of interest payment rate, interest rate fluctuation pattern, and borrowing period, the loan with the highest payment interest rate (paid interest rate of the person) is selected first.・ Floating interest rate loans are selected with priority over floating interest rate (capped) loans.
Compared to the floating rate (with cap) type, the future repayment amount is uncertain and the prepayment fee is high),
Furthermore, if this condition is also the same, a loan with a longer borrowing period will be preferentially selected. Also, for example,
If the priorities are given in the order of the borrowing period, the form of interest rate fluctuations, and the interest payment rate, the borrowing period will be given the highest priority and the borrowing conditions will be compared. The customer does not necessarily have to set the loan selection condition. If the customer does not set the loan selection condition, the loan borrowing conditions are compared based on the loan selection condition set in the system in advance. It will be (described later).

[D-3]. Advance prepayment method Regarding repayments after prepayment, at least the prepayment method to be applied at the present time and the prepayment method to be selected according to the trend of interest rates are set, specifically Depending on the trend of interest rates, between the final prepayment prepayment method (hereinafter called the prepayment method) and the repayment amount recalculation method (hereinafter called the "recalculation method") What you can set freely. Furthermore, if desired, it sets the method of judgment when judging trends in interest rates.

As a method for prepayment, the "deadline prepayment method"
And "recalculation method" is known. Here, the term "advancement method" means the total amount of principal and interest even after prepayment, that is,
This is a method of moving up the final repayment deadline without changing the total amount of principal and interest (also called “assessment amount”). In this case, the amount of prepayment from the loan balance (hereinafter referred to as "prepayment amount")
There is no change in the amount of repayment each time after is deducted, but the repayment deadline is advanced. On the other hand, the “recalculation method” is a method of recalculating the total amount of principal and interest for the principal balance after prepayment without changing the final repayment period. In this case,
When the prepayment amount is deducted from the loan balance, the repayment amount is recalculated based on the loan balance after deduction, and as a result, the repayment amount is changed each time, but the repayment period is not changed.

In general, the “advancement method” has a large effect of reducing the interest rate burden, and is therefore advantageous in the interest rate rising phase, while the “recalculation method” is advantageous in the interest rate falling phase since the repayment amount is reviewed. By setting the "prepayment method",
The repayment method can be selected according to such interest rate trends.

The trend of interest rates is as follows:
It is determined based on the “current interest rate”) and the conventional loan interest rate before this current interest rate (hereinafter referred to as “conventional interest rate”). The conventional interest rate here includes not only the loan interest rate immediately before reviewing the current interest rate (hereinafter referred to as “previous interest rate”) but also the conventional interest rate before the previous interest rate. In determining the trend of interest rates, for example, simply compare the current interest rate with the previous interest rate, and if the current interest rate exceeds the previous interest rate, the interest rate rises, if the current interest rate is below the previous interest rate, the interest rate declines. It is also possible to judge whether the interest rate is rising or falling depending on the degree of the slope by calculating the slope when the current interest rate and multiple conventional interest rates including the previous interest rate are displayed in a graph. May be. If the customer desires to set the method for determining the interest rate trend, the customer pre-fills the contract item with the "interest rate trend determination condition" which method is to be used.

By the way, in the "recalculation method", if the deposit balance of the deposit account exceeds the desired balance on the scheduled prepayment date, the prepayment is performed even if the amount is small. On the other hand, in the "advancement method," even if the deposit balance exceeds the desired balance on the scheduled prepayment date, the amount obtained by deducting the desired balance from the deposit balance (hereinafter referred to as "surplus amount"). Prepayment cannot be made until the amount of repayment amount, that is, the amount of prepayment possible (hereinafter referred to as “prepayable amount”) is reached. For this reason, in the "advancement method," a dedicated account is established in addition to the ordinary deposit account, and the surplus amount on each scheduled prepayment date is accumulated here, and the accumulated amount exceeds the prepayable amount on the scheduled prepayment date. Prepayment only if [3]. Hardware configuration of calculation center In FIG. 2, the host computer 4, loan book DB5, deposit account DB6, prepayment reservation DB7 on the calculation center side,
An outline of the hardware configuration of the interest rate DB 8 is shown.

The host computer 4 mainly consists of the CPU 4
1, a RAM 42 used as a working area of the CPU 41, an input / output unit 43 such as a keyboard and a mouse
Further, it is composed of various programs (functional units) 44 executed by the CPU 41. These CPU4
1, the RAM 42, and the input / output unit 43 are connected to each other via a bus 45.

The CPU 41 has various programs (functional units).
To perform various functions such as calculation and comparison.

In the loan book DB 5, a loan balance 51, a repayment amount 52 each time (monthly) based on the loan balance, a loan specific item 53 preset by the customer, and a redemption of special deduction such as housing loan described later. Information regarding the period 54 is stored.

In the deposit account DB 6, in addition to the ordinary deposit account 61 in which the deposit balance is stored, the dedicated account 6 in which the accumulated amount is stored is stored.
2 and information about the special account 63 (details will be described later) are stored.

In the advance prepayment reservation DB 7, the planned prepayment repayment date 7 in the contract items preset by the customer according to the contract.
1, desired balance 72, maximum amount 73, advance period (certificate issuance destination) 74, loan selection conditions 75, advance repayment method 76, as well as temporary deposit advance repayment 77 and alarm processing 78 regarding wrinkling at the time of final repayment Information (details will be described later) and interest rate trend determination conditions 79 are stored.

The current interest rate 81 and the conventional interest rate (including the previous interest rate) 82 are stored in the interest rate DB 8. The current interest rate is updated at any time by inputting information from the host computer. [4] .Registration of contract items by financial institution to the calculation center The business office which has received the prepayment contract from the customer operates the terminal 9 (FIG. 1) provided at each business office via the LAN1 or the like. , It is possible to enter and set contract items in a predetermined database of the system.

These customer setting items are mainly set in the advance prepayment reservation DB 7 as "advance repayment conditions", but only the loan specific item 53 is input to the loan book DB 5.

In particular, the loan selection condition 75 is entered only when it is preset by the customer. However, if the customer does not set the condition in particular, the system person in charge determines the payment rate, The system is set by determining whether the most favorable prepayment can be made by giving priority to the form of interest rate fluctuations or the borrowing period. Similarly, the interest rate trend judgment condition 79 is entered only when it is preset by the customer. However, if the customer does not set any particular condition, the system person in charge determines the interest rate trend judgment method. Is determined and preset in the system.

Further, particularly regarding the input of the advance period 74, in general, in order to receive the special deduction for housing loans, etc., a "certificate of the year-end balance of loans related to housing acquisition funds (hereinafter, simply It is necessary to submit the certificate (referred to as “certificate”) to the tax office at the time of final tax filing or to submit the certificate to the workplace at year-end adjustment. Therefore, in inputting and setting the advance period set by the customer in the system, each customer is registered as a "certificate issue destination". If this "certificate issue destination" is not registered, it is determined that the processing for the advance period is unnecessary.

It should be noted that, as a general rule, these inputting and setting operations may be carried out only once unless the contract items are changed, and it is not necessary to carry out the prepayment as in the conventional case. Therefore, the response to the customer or the input operation by the person in charge is
As a general rule, it only needs to be done once, and the processing load thereafter is significantly reduced. [5]. Advance repayment process by system [5-1]. Basic process A basic process procedure of prepayment is explained below with reference to the flowchart of FIG. 3 together with FIG.

When the "advanced repayment scheduled date" stored in the prepayment repayment reservation DB comes, in step (ST) 1, the host computer 4 causes the "advanced repayment condition", particularly the desired balance 72.
And the upper limit amount 73 are read from the advance repayment reservation DB 7. Furthermore, in step 2, the deposit balance is read from the deposit account 61 of the deposit account DB 6.

Next, in step 3, the comparison function unit 411
Thus, the read deposit balance is compared with the desired balance 72, and if the deposit balance is less than or equal to the desired balance, the process ends in step 4, that is, the prepayment is not performed. On the other hand, when the deposit balance exceeds the desired balance, the process proceeds to step 5, and the comparison function unit 411 subtracts the desired balance from the deposit balance, that is,
The surplus amount of money is compared with the upper limit amount of money 73. As a result of the comparison, if the surplus amount exceeds the upper limit amount, proceed to step 6,
If the transfer amount determination unit 413 determines the transfer amount upper limit amount as the amount to be transferred as the prepayment (hereinafter, referred to as “transfer amount”), while the surplus amount is less than or equal to the upper limit amount, the process proceeds to step 7. , Set the surplus amount as the transfer amount. By these steps, it is possible to prevent a trouble in which an unexpected amount of money is used for prepayment. Then, in step 8, the calculation function unit 4
The deposit balance after the transfer amount is deducted from the deposit balance is calculated by 14, and then this deposit balance is input from the host computer 4 to the deposit account DB 6.

Then, in step 9, the host computer 4 (RAM 42, etc.) reads information about the prepayment method 76 from the prepayment reservation DB 7 and confirms the prepayment method at the present time by the repayment method confirmation function unit 415. It is to be noted that which repayment method is used among the above-mentioned “deadline advance method” and “recalculation method” depends on the customer's selection as described above.

When the "recalculation method" is selected, the process proceeds to step 10 and the prepayment execution function unit 416 makes the prepayment. In this case, the transfer amount becomes the prepayment amount. After the prepayment is executed, the calculation function unit 414 calculates the loan balance after subtracting the transfer amount from the loan balance and the repayment amount calculated each time based on the loan balance after the deduction, and thereafter, The repayment amount is input to the loan record DB 5 by the host computer 4. still,
This information will be posted on the repayment schedule and notified to the customer.

On the other hand, when the "expiration method" is selected, the process proceeds to step 11, and the dedicated account determination function unit 420 determines whether or not the dedicated account 62 is created in the deposit account DB 6. If there is no dedicated account,
In step 12, the dedicated account creation function unit 422 sets up the dedicated account 62 in the deposit account DB 6. If the dedicated account 62 already exists, no dedicated account is provided, and in step 13, the calculation function unit 414 accumulates the transfer amount in the dedicated account 62.

Then, in step 14, the comparison function unit 41
Compare the cumulative amount of the dedicated account and the prepayable amount by 1. If the accumulated amount exceeds or is equal to the prepayment possible amount, the process proceeds to step 15 and the prepayment execution function unit 4
The prepayment is made by 16. In this case, the prepayable amount (the maximum value of the total amount of the principal amount in each repayment amount) of the accumulated amount is prepayed. After the prepayment is executed, the calculation function unit 417 calculates the accumulated amount after subtracting the prepayable amount from the accumulated amount, and thereafter, this accumulated amount is input to the dedicated account 62 of the deposit account DB 6 by the host computer 4. It Similarly, the calculation function unit 417 calculates the loan balance after subtracting the prepayable amount from the loan balance, and then the host computer 4 inputs the loan balance into the loan book DB 5. Furthermore,
The redemption period determination function unit 426 determines the redemption period (after the period is advanced by the advanced repayment) by the advanced repayment, and then the host computer 4 inputs the redemption period into the loan book DB 5. It In addition, the information is written on the repayment schedule and the customer is notified.

On the other hand, if the accumulated amount is less than the prepayment possible amount, the prepayment is not performed and the process returns to step 13. Since the processing in this step has already been performed, virtually nothing is performed, and the accumulated amount is simply input from the host computer 4 to the dedicated account of the deposit account DB 6. [5-2]. Processing of carry-up period The processing procedure based on the setting of the carry-up period is shown in FIG.
This will be described below with reference to the flowchart of FIG.

First, in step 21, the host computer 4 reads out the advance period 74, that is, the information regarding the "certificate issue destination". However, this reading can be performed only when the “certificate issue destination” is registered in the advance repayment reservation DB 7.

Next, in step 22, advance prepayment reservation D
Read the information about the prepayment method 76 from B7,
The repayment method confirmation function unit 415 confirms the current repayment method. If the "recalculation method" is selected, there is no change in the carry period, and the process ends in step 23.

On the other hand, if the "expiration date advance method" is selected, the process proceeds to step 24, where the issue destination confirmation function unit 425 confirms whether or not the "certificate issue destination" is registered.
If the "certificate destination" is not registered, step 2
At 5, the process ends. If the “certificate issue destination” is registered, the process proceeds to step 26, the data regarding the redemption period 54 is read from the loan book DB 5, and the redemption period determination function unit 426 indicates the redemption period after the next prepayment. To be judged. More specifically, on the next scheduled prepayment date, it is determined whether or not the total amount of the upper limit amount 73 and the accumulated amount of the dedicated account reaches the prepayable amount. Judge the redemption period when the next prepayment date is prepayed. As a result, if the redemption period is 10 years or more, in step 27, the process ends. If the redemption period is less than 10 years, step 28
Then, the alarm generation function unit 428 issues an alarm to the customer. It should be noted that the alarm will be issued to the person in charge of the financial institution, and the person in charge of receiving the alarm may notify the customer that the redemption period is less than 10 years by an appropriate method such as e-mail or telephone. Good.

By using this system, the customer can take measures such as stopping the prepayment in advance.
On the other hand, financial institutions can avoid complaints from customers that they can no longer receive deductions. [5-3]. Loan Selection Processing The processing procedure for selecting a loan is shown in FIG.
This will be described below with reference to the flowchart of FIG.

First, in step 31, the host computer 4 reads the loan selection condition 75 from the prepayment reservation DB 7. Next, at step 32, the loan identifying item 53 is read from the loan book DB 5, and the multiple lending determination function unit 430 determines whether or not there are multiple loans.
If there is only one loan, the process is terminated in step 33 and the process ends. If there are multiple loans, step 3
In step 4, the lending condition determination function unit 432 compares the lending conditions of the loans. If the lending conditions are all the same, the process ends in step 35. On the other hand, if the lending conditions are different, the process proceeds to step 36, and the loan selection condition 75 is read from the prepayment reservation DB 7. Then
In step 37, a target loan for which prepayment is to be made is selected in accordance with the loan selection condition. Incidentally, not only one target loan but also a plurality of target loans can be selected.

By using this system, the customer can pay a loan interest rate (payment rate by the person)
It is possible to save the trouble of checking and calculating the borrowing conditions such as the borrowing period. [5-4]. Advance repayment method processing A processing procedure for changing the prepayment method will be described below with reference to the flowchart of FIG. 6 together with FIG.

First, in step 41, the prepayment method 76 and the interest rate trend judgment condition 79 are read from the prepayment reservation DB 7 to the host computer 4. Then, step 42
Then, the comparison function unit 411 compares and examines the current interest rate and the conventional interest rate (including the previous interest rate), and determines the interest rate trend based on the interest rate trend determination condition. Next, in step 43, the repayment method deciding function unit 436 decides the repayment method to be adopted based on the information regarding the prepayment method to be selected according to the trend of the interest rate which is preset by the customer. For example, when the current interest rate is higher than the previous interest rate, the deadline advance method is selected. On the contrary, when the current interest rate is lower than the conventional interest rate, the recalculation method is selected.

By using this system, it is possible for the customer to register in advance which of the "advance method" and "recalculation method" is to be selected depending on the trend of interest rates when the interest rate rises or falls. It is possible to meet various customer needs. [5-5]. Alarm processing related to wrinkling at the time of final repayment Alarm processing related to wrinkling at the time of final repayment is basically not based on the contract with the customer, and the financial institution voluntarily operates when necessary. This is the process to be performed on. The financial institution can set, as one of the advanced repayment conditions, “alarm processing regarding wrinkling at the time of final repayment” to determine whether or not an alarm is necessary. Although alarm processing is basically set by financial institutions, it is not mentioned in the entry items of the contract submitted by the customer,
This can also be set as a customer setting item. In this case, an item of "alarm processing regarding wrinkling at the time of final repayment" is added as an item to be entered in the contract. By specifying this item, the customer can set whether or not the financial institution should issue an alarm to the customer.

The "wrinkling at the time of final repayment" which is a problem in this process is, in particular, "equal repayment of principal and interest" which is a general repayment method for mortgages (during the loan period, the total amount of repayment of interest and interest is equalized every time. Method of repayment as repayment amount) ”, the problem arises when a variable interest rate loan is applied.

In the variable interest rate loan, the repayment amount is to be reviewed every time the interest rate is changed, and one method of reviewing the repayment amount is called the "five-year rule". The "five-year rule" means that even if the applicable interest rate changes,
Although it is a rule that the repayment amount for each year does not change and remains constant, the repayment amount for the next 5 years should be recalculated based on the applicable interest rate at the time when the previous 5 years have elapsed, the loan balance, and the remaining period. It is supposed to go and be decided. However, even in this case, the amount of each repayment in the next 5 years is not to exceed 1.25 times that in the previous 5 years (called “125% rule”).

The "five-year rule" and the "125% rule" are rules provided for the salaried employee to make it easier for them to make a living plan when the repayment amount is stable as much as possible. However, due to a sharp increase in the applicable interest rate at the time when the previous five years passed,
If the "125% rule" is applied, the interest that should be originally collected in excess of 125% will be accumulated in the repayment amount for the final payment, so the repayment amount for the final payment will be greater than the repayment amount for each payment. It can become excessively large. In other words, the final repayment amount may be wrinkled.

Therefore, when carrying out the prepayment,
When the final repayment amount exceeds 110% of each repayment amount, the prepayment funds are to be applied to the wrinkled portion first. However, as a result of performing such a process, for example, in the case of the “deadline advance method”, there is a problem that the final repayment deadline does not advance and the carry-up period becomes shorter than in the case where there is no wrinkling. Occurs,
On the other hand, in the case of the “recalculation method”, there arises a problem that the repayment amount for each time does not decrease from before, or the repayment amount for each time increases.

Conventionally, whether or not the final repayment amount is wrinkled is determined by the transaction staff of the financial institution when the customer visits the prepayment consultation and inquires about the transaction content of the loan at the terminal. It was necessary to compare and confirm the repayment amount and the repayment amount each time. However, in general, it is not possible for the customer to know whether the final round has been wrinkled, so
If the person in charge of transaction does not take such a procedure, it is likely that the customer will make a complaint after the prepayment.

Therefore, in the system of the present invention, "alarm processing regarding wrinkling at the time of final repayment" can be set in advance prepayment reservation DB7. By setting this, it is possible to give an alarm to the person in charge of the financial institution so as to notify the customer when there is a possibility of wrinkling at the time of the final repayment. The alarm may be notified directly to the customer.

Next, a processing procedure for generating an alarm regarding wrinkling at the time of final repayment will be described below with reference to the flowchart of FIG. 7 together with FIG.

First, in step 51, the prepayment reservation DB
7, the necessity of the "alarm processing regarding wrinkling at the time of final repayment", that is, the alarm processing set by the financial institution is read out to the host computer 4. Step 52
Then, based on the loan balance of the loan balance DB by the calculation function unit 414, the amount to be paid back immediately before the completion of the repayment (hereinafter,
Call the "final repayment amount"). The “final repayment amount” can be held in the loan record DB 5 from the beginning and read out. In step 53, loan book DB
The current repayment amount is read from 5. Next, in step 54, the comparison function unit 411 compares the final repayment amount with the repayment amount each time. As a result of the comparison, when the final repayment amount is less than or equal to 110% of the repayment amount each time, the process proceeds to step 55, and the process is unnecessary. On the other hand, when the final repayment amount exceeds 110% of the repayment amount each time, the process proceeds to step 56 and an alarm is issued to the person in charge of the financial institution so that the alarm generation function unit 428 notifies the customer accordingly. Raise alarms directly to customers.

By using this system, it is possible to prevent disadvantages from being given to the customer and to avoid complaints from the customer. [6]. As another modification, it is possible to make early repayment by temporarily depositing money into a dedicated account. That is, when the customer can afford the funds due to extraordinary income such as bonus, it is provided separately from the ordinary deposit account 61 (FIG. 1) such as a "dedicated account" used in the term advance system. By making a deposit in the special account 63 (FIG. 1), the prepayment may be automatically made on the scheduled prepayment date or immediately. In this case, an item of "temporary deposit prepayment" (not shown) is added as an entry in the contract and an entry in the prepayment reservation DB.

Further, as is apparent, the present invention can be applied not only to personal loans but also to loans in general. Also, the designation of "desired balance" and "upper limit amount" is usually based on the amount setting, but for example, the ratio of the desired balance to the deposit balance,
It may be set based on the ratio of the upper limit amount in the deposit balance. Further, if the customer wants to temporarily change the repayment amount at the time of bonus or the like, it may be possible to deal with it by contacting the direct viking center via telephone or the Internet. Also, by allowing access to the prepayment reservation DB7 via the communication network, the prepayment scheduled date, desired balance, maximum amount, prepayment period, loan specific items, loan selection conditions, prepayment method, and final repayment For items such as alarm processing regarding wrinkling, interest rate trend judgment conditions, etc., setting, changing, suspending, and canceling may be directly input from a customer terminal such as a mobile phone or a personal computer. In addition, each DB
The information stored in may be stored in one DB.

Further, the system of the present invention may be incorporated into a computer as a program for program processing, or a computer-readable recording medium recording such a program may be used.

[0065]

According to the present invention, there is provided a system for improving customer convenience and reducing the burden on a financial institution when carrying out prepayment.

[Brief description of drawings]

FIG. 1 is a schematic diagram of the system of the present invention.

FIG. 2 is a schematic diagram of a hardware configuration on the calculation center side.

FIG. 3 is a flowchart showing a basic processing procedure for prepayment.

FIG. 4 is a flowchart showing a processing procedure based on setting of a carry period.

FIG. 5 is a flowchart showing a processing procedure for performing loan selection.

FIG. 6 is a flowchart showing a processing procedure for changing the prepayment method.

FIG. 7 is a flowchart showing a processing procedure for generating an alarm regarding wrinkling at the time of final repayment.

Claims (28)

[Claims] 1. In the prepayment system, a means for storing information about a deposit balance, a means for storing information about a desired balance which is a contract item preset by the customer, and a scheduled prepayment date preset by the customer, A means for comparing the deposit balance with the desired balance; and a means for prepaying at least the deposit balance less the desired balance as the prepayment amount when the deposit balance exceeds the desired balance. A system characterized by that. 2. In the prepayment system, a means for storing information on a deposit balance, a means for storing information on an upper limit amount and a desired balance, which are contract items preset by the customer, and preset by the customer. Means for comparing the deposit balance with the desired balance on the scheduled prepayment date, and if at least the deposit balance exceeds the desired balance, compare the difference amount subtracted from the desired balance from the deposit balance with the upper limit amount. Means, and at least when the deduction amount exceeds the upper limit amount, the upper limit amount is the prepayment amount, and at least when the deduction amount is less than the upper limit amount, the deduction amount is the prepayment amount, and the prepayment is And a means for performing the system. 3. The system according to claim 1 or 2, further comprising: a means for storing a prepayment method which is a contract item preset by the customer, a means for confirming the prepayment method, and a prepayment method for prepayment. In the case of the method, at least when the accumulated amount of the deduction amount exceeds the amount for which early prepayment is possible, means for making prepayment with the accumulated amount as the prepayment amount. 4. The system according to claim 1 or 2, wherein the desired balance and / or the upper limit amount is set based on a ratio of those to the deposit balance. 5. The system according to claim 1, wherein the temporary deposit is credited to an account provided separately from an ordinary deposit account, and the prepayment amount is prepayed from this account. 6. A system for carrying up a prepayment period in prepayment, wherein the prepayment method is stored, the redemption period is stored, the prepayment method is confirmed, and the prepayment method is a deadline prepayment method. In this case, the system is provided with means for determining a redemption period after the next prepayment, and means for issuing an alarm to the customer at least when the redemption period after the next prepayment is less than a predetermined period. 7. In a system for performing loan selection processing in prepayment, a means for storing a loan specification item for specifying a loan borrowed by the customer, which is a contract item preset by the customer, and a plurality of loans are provided. It is characterized by further comprising: a means for judging whether or not there is a loan; and a means for selecting a loan for which prepayment is to be made by comparing lending conditions of the plurality of loans when there are a plurality of loans. system. 8. The system according to claim 7, further comprising means for storing a loan selection condition which is a contract item preset by the customer, wherein the selecting means selects the loan for which prepayment is to be made. A system that selects based on conditions. 9. In a system for performing prepayment method change processing in prepayment, a means for storing the current interest rate and the conventional interest rate, a means for comparing and examining the current interest rate and the conventional interest rate, and determining the trend of interest rates, It is characterized in that it comprises means for storing information about the prepayment method that should be selected according to the trend of interest rates, which is a preset contract item, and means for selecting the prepayment method according to the trend of interest rates. System to do. 10. The system according to claim 9, further comprising means for storing an interest rate trend judgment condition which is a contract item preset by the customer, wherein the means for judging the interest rate trend is the interest rate trend judgment condition. A system that determines interest rate trends based on. 11. The system according to claim 9, wherein the selecting means, when the current interest rate exceeds the conventional interest rate,
A system that selects the deadline advance method and selects the recalculation method when the current interest rate is lower than the conventional interest rate. 12. A system for alarming wrinkling at the time of final repayment in prepayment, means for calculating the final repayment amount based on the loan balance, means for storing the repayment amount for each time, and the final repayment. A system comprising: means for comparing an amount with each repayment amount; and means for issuing an alarm to a customer when at least the final repayment amount exceeds a predetermined ratio of the each repayment amount. 13. The system according to claim 6 or 12, further comprising means for storing information on whether or not to issue an alarm to the customer, which is a contract item preset by the customer. 14. Claims 1-3, 7-10, and 13
2. The system according to any one of 1 above, wherein the contract item to be preset by the customer is directly input to the system by a customer terminal connected to the system through a transmission medium. 15. In the prepayment method, a step of storing information about a desired balance, which is a contract item preset by a customer, in a database controlled by a computer, and a computer controlled by a preset prepayment date set by the customer. Reading the deposit balance and the desired balance from the database to the computer, comparing the deposit balance and the desired balance by a comparison function unit, and at least when the deposit balance exceeds the desired balance. And a step of carrying out prepayment by the prepayment executor as an prepayment amount which is an amount obtained by subtracting the desired balance from the deposit balance. 16. In the prepayment method, a step of storing information about a maximum amount of money, which is a contract item preset by the customer, and information about a desired balance in a database controlled by a computer, and a scheduled prepayment date set by the customer. A step of reading the deposit balance, the desired balance and the upper limit amount into the computer from the database controlled by a computer; and a step of comparing the deposit balance and the desired balance with a comparison function unit. When the deposit balance exceeds the desired balance, a step of comparing a deduction amount obtained by subtracting the desired balance from the deposit balance with the upper limit amount by the comparison function unit, and at least when the deduction amount exceeds the upper limit amount, the upper limit is set. The amount will be prepayment amount and at least the deduction amount will be the upper limit amount. When it is less than the above, the step of carrying out the prepayment by the prepayment executor with the deduction amount as the prepayment amount is provided. 17. The method according to claim 15 or 16, further comprising the step of confirming an prepayment method, which is a contract item preset by the customer, by a repayment method confirmation function unit.
If the prepayment method is a deadline prepayment method, at least if the cumulative amount of the deduction amount exceeds the prepayment possible amount, the cumulative prepayment amount is used as the prepayment amount, and the prepayment execution unit carries out the prepayment. Method. 18. The method according to claim 15 or 16, wherein the desired balance and / or the upper limit amount is set based on their ratio in the deposit balance. 19. The method according to claim 15 or 16, wherein the temporary deposit is credited to an account provided separately from an ordinary deposit account, and the prepayment amount is prepayed from this account. 20. A method of performing an prepayment period process in prepayment, wherein the prepayment method is read out to a computer, the prepayment method confirmation function unit confirms the prepayment method, and the prepayment method is a deadline advancement. In the case of the method, the redemption period determination function unit determines the redemption period after the next prepayment, and at least when the redemption period after the next prepayment is less than the predetermined period, the alarm generation function unit alarms the customer. Emitting step. 21. A contract item preset by a customer in a method for performing loan selection processing in prepayment,
Storing a loan identification item for identifying a loan borrowed by a customer in a database controlled by a computer; reading the loan identification item from the database to the computer; A step of determining whether or not a loan exists, and a step of selecting a loan for which prepayment is to be made by comparing loan conditions of the plurality of loans by a loan condition determination function unit when a plurality of loans exist And a method comprising: 22. The method according to claim 21, further comprising: storing a loan selection condition, which is a contract item preset by a customer, in the database controlled by the computer, and the loan selection condition from the database. Reading out to the computer, wherein the selecting step selects a loan for prepayment based on the loan selection condition. 23. In a method of performing prepayment method change processing in prepayment, a step of reading out the current interest rate and the conventional interest rate to a computer, and comparing and comparing the present interest rate and the conventional interest rate by a comparison function unit to examine interest rate trends. A step of judging, a step of storing information about a prepayment method, which is a contract item preset by the customer and should be selected according to the trend of interest rates, in a database controlled by the computer; and a step of storing the information from the database. A method comprising the steps of: reading out to the computer; and selecting an prepayment method according to interest rate trends. 24. The method according to claim 23, further comprising the step of storing an interest rate trend judgment condition, which is a contract item preset by a customer, in a database controlled by a computer, and the interest rate trend judgment condition from the database. A step of determining the trend of the interest rate, the step of determining the trend of the interest rate, the step of determining the trend of the interest rate based on the interest rate trend determination condition. 25. The method according to claim 23, wherein the repayment method deciding function section selects a prepayment method when the current interest rate exceeds the conventional interest rate and the current interest rate falls below the conventional interest rate. How to choose the recalculation method. 26. In a method of performing an alarm process for wrinkling at the time of final repayment in prepayment, a step of calculating a final repayment amount based on a loan balance by a calculation function unit and a final repayment amount by a comparison function unit. A method comprising: comparing repayments each time; and issuing an alarm to a customer by an alarm function unit when at least the final repayments exceed a predetermined ratio of the repayments. 27. A program causing a computer to function as the system according to any one of claims 1 to 14. 28. A computer-readable storage medium storing the program according to claim 27.