JP2003168009A - Method for settling fund - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a fund settling method capable of easily identifying the balance of a loan contracted between a financial institution and a customer in each fund purpose of each operation unit and surely collecting the loan by executing a related loan. <P>SOLUTION: A CPU 11 in a fund settlement management device 10 sets up a file 20 for recording a loan range by which a limit amount based on a house load is specified in each construction unit for managing customer's loans and transmits loan execution processing information and loan collection processing information to a host 19 on the basis of loan application information received from a customer's terminal 15 and loan execution information received from the host 19. After depositing a loan in a customer's specified account, the deposited amount is paid out to a specified account of a constructor specified by the loan application information. After the depositing processing, a certain amount is paid out from the builder's specified account and transferred to a specified account of a subcontractor or the like of the constructor specified by the loan application information. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a fund settlement method involving management of loans in transactions of financial institutions.

[0002]

2. Description of the Related Art Generally, a mortgage loan is provided by a bank to the owner after setting up mortgages and other mortgages on the building where the construction work is completed. In some cases, the construction company is obliged to pay the construction price to the subcontractor or material supplier of the construction contractor during the construction work of the construction contracted house. Conventionally, in such a case, the contractor receives payment from the owner as an interim fund to raise funds for payment to the subcontractor before the completion of the construction work of the house, etc. Had to borrow from. In addition, when the owner procured the interim fund, it was necessary to borrow the bridge fund from the bank etc. until the mortgage was borrowed after the construction work was completed. After procuring the funds as described above, the contractor paid the subcontractor or the like by using a means such as a transfer, or expected the fund procurement in advance and paid by using the promissory note or the like. Then, after the construction work is completed and the house is completed, the client pays the construction fee to the construction company with the mortgage loan borrowed from the bank, etc. It was allotted.

[0003]

[Problems to be Solved by the Invention] However, when a construction company borrows funds from a bank, etc. while the construction shop is performing a plurality of construction works in parallel at the same time, the bank, etc. There was a problem that it was not possible to clearly identify the subcontractor for the construction work and how to use the funds. On the other hand, if the contractor raises funds before the completion of the construction work by payment from the owner, the owner must borrow a bridge loan, which is a means of financing until the mortgage loan, Each time the client borrows a bridge loan from a bank or the like, complicated procedures such as application are required, and there is a problem in that the burden of interest such as housing loan must be paid. And management of payment or collection of funds according to the progress status of multiple construction works undertaken by the contractor and subcontractor, etc., and accompanying payment work or collection work of claims and debts by collection etc. Has the problem that it is complicated. On the other hand, banks cannot confirm the use of their loans because they cannot grasp their management status, and even if mortgages that meet the use of loans are provided. , There was a problem that these could not be managed in association with each other. The present invention has been made in view of such circumstances, and an object thereof is to provide a fund settlement method by which a computer of a financial institution can easily identify the balance of a loan to a customer according to the use of funds for each work unit. To provide. Another purpose is that the computer of the financial institution centrally manages the settlement of funds related to the loan, which can reduce the administrative burden on the customer's financing and payment, and the financial institution can easily support the use of the funds. The purpose of the present invention is to provide a method for settlement of funds, which is capable of taking credit and reliably collecting loans.

[0004]

In order to achieve the above object, the invention according to claim 1 of the present application uses a borrowing application information, which is information on borrowing received from a customer, in a computer having communication means. In the storage means provided in the computer, specified for each work unit of the customer,
A file setting step of setting a frame file for recording a credit line for identifying a maximum amount based on a loan associated with the work, and setting a progress file for recording the progress of the work in the frame file; Based on the borrowing application information from the customer, it is determined whether the amount of the loan is within the extreme amount specified in the frame file, and the progress status is recorded in the progress file that has already been set. Execution process step of transmitting loan execution process information to the host for executing the execution process of the loan including information on the amount of the loan and information specifying the designated account into which the loan is to be deposited, and the frame file Received information about the execution of a loan associated with the loan from the host and recorded the loan in the frame file. And summarized in that to execute the steps of the recovery process of transmitting the loan recovery process information to the host that comprises instructions collection of loans with.

The invention according to claim 2 of the present application is, in the fund settlement method according to claim 1, wherein, in the step of executing the processing, the loan is transferred from the designated account after depositing the loan into the designated account. The gist further includes the step of a loan transfer for performing withdrawal processing and transmitting to the host information for deposit processing to a predetermined account designated by the borrowing application information.

Further, in the invention according to claim 3 of the present application, in the fund settlement method according to claim 2, the step of executing processing further comprises performing withdrawal processing from the predetermined account, and the borrowing application information. The gist is that a loan transfer step for performing a transfer process to another account designated by is provided.

The invention according to claim 4 of the present application is, in the fund settlement method according to any one of claims 1 to 3, wherein, after the step of the collecting process is completed, the computer causes the file It is a gist to further include a file deletion step of deleting the frame file and the progress file set in the setting step.

[0008]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment in which the present invention is embodied in a fund settlement method for housing construction will be described below with reference to FIGS.

As shown in FIG. 1, the operating device of the fund settlement method according to the present embodiment comprises a fund settlement management device (hereinafter referred to as "server") 10 as a computer for controlling the operation of the entire device. ing. The server 10 corresponds to a computer having the communication means of the present invention. The server 10 is installed in, for example, a bank main office, and is a central processing unit (hereinafter referred to as “CPU”) 11
And read-only memory (ROM) 1 as storage means
2, and a random access memory (RAM) 13 capable of writing and reading various calculation contents and application software in this apparatus. The storage means (not shown) stores a fund settlement program for executing the fund settlement method of the present invention.

An interface 14 for a customer terminal is connected to the CPU 11, and a customer terminal 15 is connected to the interface 14 via a communication line such as a telephone line. The customer terminal 15 includes an input device 16 for data input operation by a customer and an output device 17 for controlling data output by receiving a control signal from the CPU 11.
It has and.

On the other hand, an interface 18 for an execution processing device is connected to the CPU 11, and the interface 18 is a host for executing general bank transaction processing such as loan execution processing, deposit / withdrawal and transfer processing as an execution processing apparatus. A host 19 which is a computer is connected. Also,
A storage means is connected to the CPU 11, and a loan management file 20 for storing information necessary for causing the host 19 to perform various processes related to the loan based on the loan application information 40 transmitted from the customer terminal 15 is stored. Has been done. As shown in FIG. 2, the loan management file 20 has a frame file 21, and the frame file 21 is composed of an index portion 22 and a plurality of progress files 23.

In the index portion 22, for identifying construction work as work, the name 30 of the work shop which performs the work, information 31 about the account designated by this work shop, the work name 32, and the loan related to the frame file 21. The maximum loan amount 33, which is the maximum amount, is recorded. Further, the progress file 23 is a progress number 34 for identifying the progress status of construction work, a loan amount 35 corresponding to the progress status, and payee information for the contractor to pay the subcontractor. The payee name 36, information 37 on the designated account including the name of the financial institution, the subject, and the account number, and the information about the payment amount 38 are recorded as the information regarding the fund settlement process.

Next, a control processing routine for fund settlement executed by the CPU 11 of the server 10 according to the fund settlement method having the above-mentioned configuration will be described with reference to FIGS. In the following description, a "customer P" who is a customer of a bank who has already made arrangements for the maximum loan amount and a designated account for depositing the loan is "A Contractor" An example will be described in which the settlement of funds for "construction" is accompanied by borrowing from a bank. In addition, the owner of “A work” will receive “1,800 from the bank in order to use the money for the work after the work is completed.
It is assumed that an arrangement has been made in advance to borrow a mortgage of 0 "1,000 yen, and the maximum amount of borrowing for this construction by" customer P "is set at" 18,000 "1,000 yen.

The server 10 (CPU 11) is a host 19
It is in a standby state until it receives the loan execution information 50 from the customer or the loan application information 40 from the customer (step (hereinafter abbreviated as “S”) 1). Then, in the standby state of S1, the CPU 11 determines whether or not the loan execution information 50 from the host 19 has been received (S2) and whether or not the loan application information 40 from the customer has been received (S3). ing.

When the CPU 11 in the standby state receives the borrowing application information 40 from the customer in S1, the determination result in S3 becomes affirmative, and the process proceeds to the file setting step. Hereinafter, S4 to S8 correspond to an example of the file setting step in the present invention. As shown in FIG. 5, the borrowing application information 40 includes each information of a construction company name 41, information 42 about a designated account of the construction company, and construction name 43 as information of the construction company that carries out the corresponding construction work. Has been.
The loan amount 44 is included as information on the amount of the mortgage to be executed after the completion of the construction by the owner of the corresponding construction work. In addition, progress number 4 showing the progress of the construction
5, a corresponding loan amount 46 and a payee name 47, which is information about a payee for the construction company to pay the subcontractor or the like the construction fee, and information 4 of the account designated by the payee.
8 and each information of payment amount 49 is included.

In the case of “customer P”, the loan application information 40 includes “α construction shop” in the construction shop name 41. In addition, the information 42 of the designated account of the builder is "Head office, checking account,
0001 ”is included. The construction name 43 includes “A construction”, and the loan amount 44 includes “18,000”. Similarly, the progress number 45 includes “1” and the loan amount 46 includes “10,000”. Further, as information regarding the payee, “B construction company” and “C construction” are set in the payee name 47, and “X bank, M branch, current account, 0002” and “Y” are set in the information 48 of the account designated by the payee.
Shinkin Bank, N Branch, Ordinary Deposit, 0003 ”, and the payment amount 49 includes“ 7,000 ”and“ 3,000 ”, respectively.

When the result of the determination in S3 is affirmative, the CPU 11 causes the construction company name 41 of the loan application information 40, the designated construction company account 42, the construction name 43, and the loan amount 44.
It is determined whether or not each of the above information matches the information of the index portion 22 recorded in the frame file 21 in the loan management file 20 (S4). "Customer P"
In the case of, the loan application information 40 includes “α construction company”, “main store,
Checking account, 0001 ”,“ A construction ”and“ 13,000 ”
It is determined whether each piece of information "0" is recorded in the index portion 22. If the determination result is negative, C
The PU 11 newly sets the frame file 21 and the progress file 23 in the loan management file 20, and the loan application information 4 in the index portion 22 of the frame file 21.
Based on 0, the contractor name 30, its designated account information 31,
Record the construction name 32 and the maximum loan amount 33 (S
5). After that, the determination of S4 is performed again.

If the determination result in S4 is affirmative, then the CPU 11 sends the borrowing application information 40 and the frame file 21 and progress file 23 set in S5 to the customer terminal 1.
No. 5 is displayed on the output device 16, and information is sent to prompt the customer to determine whether or not the borrowing application information 40 is incorrect (S
6). Then, the “customer P” determines whether or not there is an error in the loan application information 40, and the input device 16 of the customer terminal 15 is determined.
The determination result is transmitted to the CPU 11 through. And C
PU11 receives the determination result of whether there is an error in the loan application information 40 (S7). Then, the CPU 11 determines the borrowing application information 40 based on the customer determination result received in S8.
It is determined whether or not there is an error (S8). And S8
4 is negative and there is no error in the loan application information 40, the flow chart of FIG.
And shifts to the step of execution processing. If the determination result of S8 is affirmative, the process returns to the standby state of S1.

Hereinafter, S9 to S12 correspond to an example of the steps of the execution process in the present invention, and S11 to S13 correspond to an example of the step of the loan transfer. Also, S11 to S
Reference numeral 14 corresponds to an example of a loan transfer step.

The CPU 11 adds the total amount of the loan amount 46 in the loan application information 40 and the loan amount 35 included in each progress file 23 of the corresponding frame file 21, and the total loan amount is the index portion of the frame file 21. It is determined whether the maximum loan amount 33 of 22 is exceeded (S9).

If the determination result of S9 is affirmative, the CPU
11 is the progress number 34 of the progress file 23, and the loan amount 3
5, and the corresponding information in the loan application information 40 is recorded in each item (36 to 38) related to the information of the payee (S1).
0). In the case of “customer P”, in the progress file 23, the progress number 34 is “1”, and the loan amount 35 is “10,000”.
0 ”is recorded. Further, as the payee information, the name of the payee name 36 and the name of the branch account, which is the information of the designated account 37, the branch name, the subject, the account number, and the payment amount 38 are “B construction company, X bank, M branch, current account”, respectively. Deposit, 0002,
7,000 "and" C construction, Y credit union, N branch, ordinary deposit, 0003, 3,000 "are recorded respectively.

Next, the CPU 11 transmits the loan execution processing information to the host 19 based on the data of the frame file 21 and the progress file 23 recorded in S5 and S10 (S11). The loan execution processing information includes information for the host 19 to execute the loan execution processing, information for withdrawal processing from the customer's designated account, and deposit processing to the designated account of the construction shop, and the construction work. Withdraw from the designated account of the store,
It contains information about the payment process in the designated account of the payee of the work shop.

Then, the host 19 performs a loan execution process and a fund settlement process based on the loan execution process information transmitted in S11. In the case of "customer P", first, host 1
9 performs a process of lending "10,000" thousand yen to "customer P", and performs a process of depositing money to the designated account of "customer P" (S12). Next, a process of withdrawing “10,000” thousand yen from the designated account of “Customer P” is performed, and the “current account” of the “main store”, which is the designated account of the “α construction company”, and the account number “0001”. A transfer process of depositing “10,000” thousand yen into the deposit account is performed (S13). Then, the processing of withdrawing “10,000” thousand yen from the designated account of the “α construction company” is performed. Here, "X Bank, M Branch, Checking Account," which is the designated account for "B Construction Company" and "C Construction", respectively.
0002 "and" Y Shinkin Bank, N Branch, Ordinary Deposit, 00
03 "for" 7,000 "and" 3,000 "respectively
A transfer process for transferring “0” thousand yen is performed (S14).

As described above, the steps of execution processing (S9-
S12) and loan transfer steps (S11-S13)
Further, when the loan transfer steps (S11 to S14) are completed, the CPU 11 returns to the standby state of S1.

Note that each processing of S1 to S14 is repeated for a plurality of times of borrowing relating to the payment of intermediate funds until the "A construction" completed by the "customer P""α construction shop" is completed. Will be done. In other words, "A
S10 is added to the progress file 23 in the frame file 21 set in S5 until the "construction" is completed.
Is recorded, and the loan execution processing information in S11 is transmitted to the host 19. Then, the host 19 executes the loan execution process for the payment of the intermediate fund according to the progress status, the payment process by the transfer to the relevant contractor, and the payment process by the transfer to the payee who is a subcontractor of the contractor. It will be performed every time the loan execution processing information is received.

On the other hand, when the "A construction" to be carried out by the "α Practitioner" of "Customer P", which is the construction work, is completed,
Carry out a mortgage with the owner of "construction" as the borrower. When a mortgage is executed by operating a terminal (not shown) installed in a bank store, for example, as shown in FIG. 7, loan execution information 50 is transmitted to the host 19 via a communication line. To be done. In this loan execution information 50, the name of the builder who carries out the construction work corresponding to the mortgage, 51
Information on the construction name 52 and the loan execution amount 53 is included. In the case of “Customer P”, the name of the construction shop 51 is “α construction shop”
However, the construction name 52 “A construction” and the loan execution amount 53 include “18,000” in the loan execution information 50.

When the CPU 11 in the standby state receives the loan execution information 50 from the customer in S1, the determination result of whether or not the loan execution information in S2 is received becomes affirmative. Then, when the determination result of S2 is affirmative, the process moves from the flowchart of FIG. 3 to FIG. 5 via the connector 2 and moves to the step of the collection process. Hereinafter, S15 to S17 correspond to an example of the steps of the recovery process in the present invention.

In the execution process step, first, the CPU 1
1 is a construction company name 51, a construction name 52 of the loan execution information 50,
Then, it is determined whether or not each information of the loan execution amount 53 and the information of the index portion 22 recorded in the frame file 21 in the loan management file 20 (S15).

In the case of "customer P", it is determined whether or not the respective information of "α construction company", "A construction" and "18,000" of the loan execution information 50 is recorded in the index portion 22. When the determination result of S15 is affirmative, the CPU 11 transmits the loan collection processing information to the host 19 based on the information recorded in the corresponding frame file 21 and progress file 23 (S16). If the determination result in S15 is negative, the process returns to the standby state in S1. The loan collection process information is information necessary for the host 19 to perform a loan collection process, and is information recorded in the loan amount 35 of the progress file 23 in the frame file 21 and a frame in the host 19. The command information for causing the loan collection process relating to the file 21 is included.

Then, the host 19 performs a loan collection process based on the information transmitted in S16. In the case of "customer P", the loan "18,00" to "customer P"
0 "1,000 yen for mortgage fund (amount" 18,000
A process of collecting (0 "thousand yen) is performed (S17).

As described above, the recovery process step (S15)
~ S17) is completed, the CPU 11 deletes the frame file 21 and the progress file 23 for "A construction" to be performed by the "customer P""α construction shop" (S1).
8). Note that S23 corresponds to an example of the file deleting step in the present invention.

As described above, the file deleting step (S
When step 18) ends, this routine ends and the CPU 11 returns to the standby state of S1.

According to the fund settlement method of the present embodiment, since it has the above-mentioned actions, it has the following effects.

(1) According to the fund settlement method of the present embodiment, the CPU 11 is specified for each construction unit for managing the customer's loan, and the extreme amount based on the mortgage related to the construction is specified. Borrowing application information 40 received from the customer terminal 15 by setting a file for recording the loan frame
And the loan execution processing information and the loan collection processing information are transmitted to the host 19 based on the loan execution information 50 received from the host 19. Therefore, the bank can easily identify the balance of the loan to the customer for each use of the fund, and can reliably collect the loan for each use of the fund.

(2) Further, the CPU 11 deposits the loan into the designated account of the customer, then performs the withdrawal process from the designated account of the customer, and deposits it into the designated account of the work shop designated by the loan application information 40. Information for processing is transmitted to the host 19.
Therefore, there is an effect that the customer can reduce the work load related to the settlement of funds such as the payment related to the loan.

(3) Moreover, the CPU 11 deposits the loan into the designated account of the construction company and then performs the withdrawal process from the designated account of the construction company, and the subcontractor of the construction company designated by the loan application information 40. The information for performing the transfer process to the designated account such as is transmitted to the host 19. Therefore, the bank can easily confirm the usage of the loan, and the subcontractor of the builder can surely collect the debt such as the construction cost. In addition, there is also an effect that the contractor can further reduce the administrative burden related to the settlement of funds for the payment of the construction cost.

(4) In the present embodiment, CP
After the loan collection processing is completed, U11 automatically deletes the file in which the information of the corresponding loan is recorded. Therefore, it is possible to prevent the file in which the information of the loan is recorded from being enlarged, and it is possible for the bank to easily identify the loan to the customer for each use of the fund.

(Other Example) The present invention is not limited to the above-described embodiment, but may be implemented as follows, for example.

The flowcharts shown in the above embodiments are examples and the order of processing is not limited. Further, one step may be performed as two or more procedures, or two or more steps may be performed as one procedure. Further, it goes without saying that the information stored in the storage means can also be a divided file or an integrated file.

In the above embodiment, if the determination in S4 is negative, the CPU 11 automatically sets the frame file 21 and the progress file 23 in the loan file in S5. However, an operator such as a head office where a computer is installed may operate the server 10 to set the frame file 21 and the progress file 23.

In the above embodiment, the CPU 11 causes the CPU 11 to execute S10.
In each item of the progress file 23, the loan application information 40
Had recorded the corresponding information in. However, an operator such as a head office where a computer is installed may operate the server 10 to record the corresponding information in the loan application information 40 in each item of the progress file 23.

In the above embodiment, the CPU 11 causes the S11
The loan execution information is transmitted to the host 19 based on the data of the frame file 21 and the progress file 23 recorded in S9. However, the loan execution information may be transmitted to the host 19 by operating the server 10 by an operator such as a head office where a computer is installed.

In the above-described embodiment, the host 19 executes S12-based on the loan execution information transmitted from the CPU 11.
In S14, the loan execution process and the fund settlement process relating to the payment to the work shop and the payee were automatically performed. However, the operator at the head office or each sales office is the host 1
By operating a terminal device or the like (not shown) connected to 9, loan execution processing based on loan execution information and fund settlement processing relating to payment to a contractor and its payee may be performed.

In the above embodiment, the CPU 11 executes S16.
In the frame file 21 and the progress file 2
The loan collection information was transmitted to the host 19 based on the information recorded in 3. However, an operator such as a head office where a computer is installed may operate the server 10 to transmit the loan repayment information to the host 19.

In the above-described embodiment, the host 19 automatically performs the loan collection process in S17 based on the loan collection information transmitted from the CPU 11. However, the operator of the head office or each sales office operates a terminal device (not shown) connected to the host 19
A loan collection process may be performed based on the loan collection information.

In the above embodiment, the CPU 11 causes the S17
After the processing of (1) is completed, the frame file 21 and the progress file 23 are deleted in S18. However, an operator such as a head office in which a computer is installed operates the server 10 so that the frame file 21
The progress file 23 may be deleted.

In addition, it goes without saying that the present invention is not limited to the above-described embodiments or other examples, and can be implemented by those skilled in the art with various modifications and improvements without departing from the scope of the claims.

(Additional Notes) Next, the technical ideas that can be understood from the above-described embodiments and other examples will be added below.

(1) A computer having communication means,
Based on the borrowing application information which is information on borrowing received from the customer, the storage means provided in the computer identifies for each work unit of the customer, and the extreme amount based on the loan associated with the work is identified. Based on the file setting means that sets a frame file that records the loan frame that records the progress of work in the frame file and the loan application information from the customer, the amount of the loan is Determine whether it is within the extreme amount specified in the frame file, record the progress in the already set progress file, information on the amount of the loan to the customer, and the designated account to deposit the loan Execution processing means for transmitting loan execution processing information for executing a loan execution processing including information for identifying A collection process for receiving information on execution of a loan associated with a frame file from the host, and transmitting loan collection processing information including a loan amount recorded in the frame file and a loan collection command to the host. A fund settlement device characterized by causing it to function as a means.

(2) The computer executes the execution processing means to deposit the loan into the designated account, and then performs the withdrawal process from the designated account to the predetermined account designated by the borrowing application information. The fund settlement apparatus according to the above-mentioned technical idea (1), which functions as a loan transfer means for transmitting information on deposit processing to a host.

In this embodiment, the loan settlement management device 1
0, the file setting step in the loan settlement management device 10 by the fund settlement program stored in the storage means,
The execution processing step, the collection processing step, the loan transfer step, the loan transfer step, and the file deletion step are executed, and the loan settlement management device 10 is set to a file setting means, an execution processing means, a collection processing means, and a loan. It functions as a transfer means, a loan transfer means, and a file deletion means.

[0052]

According to the present invention, a plurality of loans can be easily identified for each use of funds, and can be easily confirmed by confirming the use of the funds. Further, it becomes possible to reliably collect the loan by executing the associated loan.

[Brief description of drawings]

FIG. 1 is an overall schematic diagram of an operation device of a fund settlement method.

FIG. 2 is an explanatory diagram of the contents of a loan management file.

FIG. 3 is a control processing routine flow of a fund settlement procedure.

FIG. 4 is likewise a control processing routine flow of a fund settlement procedure.

FIG. 5 is likewise a control processing routine flow of a fund settlement procedure.

FIG. 6 is an explanatory diagram of the contents of loan application information.

FIG. 7 is an explanatory diagram of contents of loan execution information.

[Explanation of symbols]

10 ... Fund settlement management device as computer having communication means, 11 ... CPU, 15 ... Customer terminal, 19 ... Host as bank transaction processing device, 21 ... Storage means for recording loan frame for each work unit of customer. Frame files,
23 ... A progress file that is a file that records the progress of work.

Claims (4)

[Claims] 1. A computer having a communication means, based on borrowing application information which is information on borrowing received from a customer, is specified in a storage means provided in the computer for each work unit of the customer, and the work is performed. A step of file setting for setting a frame file for recording a credit line for identifying the extreme amount based on the loan associated with, and setting a progress file for recording the progress of work in the frame file; Based on the loan application information of, the loan amount is determined whether it is within the range of the extreme amount specified in the frame file, the progress status is recorded in the already set progress file, and the loan to the customer A loan for performing a loan execution process that includes information about the amount of money and information that identifies the designated account into which the loan is to be deposited. A step of an execution process of transmitting money execution process information to a host, receiving information on execution of a loan associated with the frame file from the host, collecting the amount of the loan recorded in the frame file, and collecting the loan. And a step of collection processing for transmitting loan collection processing information including a command to the host. 2. The step of the execution process, after depositing a loan into the designated account, performs a withdrawal process from the designated account, and deposits a predetermined account designated by the loan application information. 2. The fund settlement method according to claim 1, further comprising a step of transferring a loan to the host to transfer the information to the host. 3. The step of executing processing further comprises a step of transferring a loan to perform withdrawal processing from the predetermined account and transfer processing to another account designated by the loan application information. The fund settlement method according to claim 2. 4. The method according to claim 1, further comprising a file deleting step of deleting the frame file and the progress file set by the file setting step after the collection processing step is completed. The fund settlement method according to any one of items.