JP2003271890A - Payment guaranteeing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a payment guaranteeing system allowing a customer to conduct a commercial transaction or cash loaning at ease by the use of a credit card and allowing a credit business unit to save the cost of collection work while preventing credit from becoming bad. <P>SOLUTION: This payment guaranteeing system 2 is applied to a case where a customer 3 conducts a commercial transaction with a credit member store 4 by using a credit card issued by a credit loan company 6 and pays a guarantee charge to a guarantee company 8, and the customer 3 becomes unable to make payment to the company 6 within a guarantee period. In this system 2, the amount of monthly payment to be paid by the customer 3 to the load company 6 is paid by the guarantee company 8 as guarantee money during the time between when the payment becomes impossible and when it becomes possible, and the payment is processed by using a computer. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention allows a customer to carry out a commercial transaction using a credit card or a commercial transaction by an installment sale system with peace of mind, and a credit business entity or a loan business entity can reduce the cost of collection business. The present invention relates to a payment guarantee system that can suppress the deterioration of debt (bad debt).

[0002]

2. Description of the Related Art Conventionally, when a customer, who is a general consumer, establishes a commercial transaction with a commercial transaction entity that conducts commercial transactions such as goods transactions and service transactions, in exchange for the price as compensation, He was handed over and provided services.

In recent years, credit companies have become members (customers).
Issue credit cards to guarantee and provide credit to members, members present credit cards to credit merchants, sign a sales voucher and carry out commercial transactions. Credit card transactions are often used in which money is paid in advance by transferring it to the deposit account of a credit member store, and later, the amount is collected from the member's deposit account.

In particular, recently, communication environments via networks such as the Internet have been dramatically improved, and virtual stores (cyber stores) on the Internet.
There have been many cyber transactions that operate or provide various services, but credit cards are often used to pay for the cyber transactions of this type.

In addition, the method of instant payment using a credit card is based on the premise that the money for the above-mentioned commercial transaction exists at the bank or at a financial institution such as a bank. If there is not enough cash at hand, this credit is used. In some cases, immediate payment by card is not available. In contrast,
There is an installment sales system that allows you to pay the transaction price in several installments, such as monthly installments. According to this installment sale method, even if there is no cash at the financial institution such as a bank or a bank, a commercial transaction can be performed under a future financial plan. In comparison, there is an advantage that the convenience of the user is improved.

[0006]

However, a customer who conducts a commercial transaction with a credit member store by using a credit card or a commercial transaction with a loan member store without using a credit card, and then a long-term Payments to credit companies may become impossible due to hospitalization, unemployment or personal bankruptcy. In this case, the customer may receive a credit from a credit company or a debt collection agency and be forced to reduce his or her own property, or sometimes suffer psychological damage. Therefore, there is still a tendency to dislike commercial transactions using credit cards or installment sales methods that do not use credit cards. on the other hand,
Credit companies have a demerit that they may increase costs for collection work and that they cannot control the deterioration of debts.

An object of the present invention is that a customer can safely carry out a commercial transaction using a credit card or borrowing cash, or a commercial transaction based on an installment sales method without using a credit card, and a credit business such as a credit sales company. The body or the loan business is to provide a payment guarantee system that can reduce the cost of collection work and suppress the deterioration of debts.

[0008]

[Means for Solving the Problems] (1) To achieve the above object, according to a first aspect of the present invention, a credit card issued by a credit business entity is used to communicate with a credit member institution. A payment guarantee system which is applied when a customer who conducts a commercial transaction and pays a guarantee fee to a guarantee organization becomes unable to pay the customer's credit entity during the guarantee period. Guaranty agency pays the monthly payments that the customer should make to the credit entity as a deposit, depending on how long it was insolvent. , A payment guarantee system for processing using a computer is provided.

According to a second aspect of the present invention, a customer who borrows cash through an automatic teller machine and pays a guarantee fee to a guarantee agency using a credit card issued by a credit business entity guarantees the guarantee. A payment guarantee system applied when a customer's credit repayment becomes impossible during the period, in which the customer repays the credit repayment after the repayment becomes impossible. There is provided a payment guarantee system that processes, using a computer, a monthly repayment amount to be repaid to a business entity according to a period when the repayment was actually impossible, as a guarantee deposit.

From the first and second perspectives, a third aspect described later is provided.
And as in the fourth aspect, an insurance agency intervenes and a part of the guarantee fee paid by the customer is paid to the insurance agency as the insurance fee. Instead of the guarantee agency paying the guarantee fee, the insurance agency pays the insurance fee. You may choose to pay for it.

According to a third aspect of the present invention, a customer who conducts a commercial transaction with a credit member institution and pays a guarantee fee to a guarantee institution using a credit card issued by a credit business entity guarantees the guarantee. A payment guarantee system applied when a customer's payment of a credit entity becomes impossible during the period, wherein the guarantee agency pays a part of the guarantee fee paid by the customer to the insurance agency. Insured by the insurance agency of the monthly payment amount that the customer should pay to the credit business after the exemption period has passed since the payment was disabled and the payment becomes possible. A payment guarantee system is provided that uses a computer to handle payment as money.

According to a fourth aspect of the present invention, a customer who borrows cash through an automated teller machine and pays a guarantee fee to a guarantee agency using a credit card issued by a credit business entity guarantees the guarantee. A payment guarantee system applied when a customer's loan repayment to a credit entity becomes impossible during the period, wherein the guarantee agency pays a part of the guarantee fee paid by the customer to the insurance agency. , The monthly repayment amount that the customer should repay to the credit business entity after the exemption period has passed since the borrower repayment became impossible and until the repayment becomes possible,
A payment guarantee system is provided that uses a computer to process payment by an insurance agency as insurance money.

From the first to fourth viewpoints, the guarantee period is not particularly limited and may be appropriately determined as necessary, but is preferably 36 months (3 years) after the guarantee fee is paid. .

From the first to fourth aspects, the exemption period is not particularly limited and may be appropriately determined as needed.

For example, when a customer dies, when the customer uses a fake account for someone, when the customer is arrested, when the customer escapes, when a third party intervenes with the customer, the customer has an excessive debt. Or, if it is exceeded, the normal warranty exemption period that would otherwise apply is not provided, ie 0
It is preferably day. In this normal guarantee, it is preferable that a guarantee deposit be immediately paid by the guarantee organization.

The exemption period for unemployment security applied when a person who has a regular job loses the regular job is 2 months (60
Day) is preferred. In this unemployment security, the amount paid as insurance money by the insurance agency is actually paid when the period until the payment or repayment is possible within 6 months after the exemption period has passed. Up to the amount according to the period of inability or repayment,
If it exceeds 6 months, it is preferable to limit the monthly payment or repayment amount to 6 months. In this unemployment security, if there is a remaining amount of monthly payments that the customer should pay to the credit business entity or a remaining amount of monthly payments that should be repaid, the guarantee agency guarantees the full amount of the remaining amount. preferable. The double guarantee between the guarantor and the insurer further enhances the guarantee to the customer. Specifically, if the period until the payment or repayment becomes possible is more than 6 months after the exemption period has passed, the guarantee agency will provide a guarantee to the customer for the 6 months. Preferably by paying.

Further, when a person who has a regular job or a person who does not have a regular job but has a work place (self-employed person, part-time worker, part-time job (housewife or student)) is hospitalized due to illness or injury and cannot work. The exemption period for applicable income compensation is preferably 7 days. In this income compensation, the amount paid as insurance money by the insurance agency is actually paid if the period until the payment or repayment is possible within 12 months after the exemption period has passed. The maximum amount is the amount according to the period during which the payment or repayment was impossible, and when it exceeds 12 months, it is preferable that the payment amount or repayment amount is 12 months (365 days). Even in this income compensation, if there is a balance of the monthly payment amount that the customer should pay to the credit business entity or a balance of the monthly payment amount that should be repaid,
Most preferably, the guarantor guarantees the entire balance. Specifically, if the period until the payment or repayment becomes more than 12 months after the exemption period has passed, the guarantee organization guarantees the customer for the amount exceeding the 12 months. Preferably by paying.

In any of the normal guarantee, unemployment security and income compensation, the amount paid by the guarantor as a deposit is the day before the customer's credit business can be paid or borrowed and repayed. If the payment is made within 12 months, the customer's credit entity will be limited to 10% of the total balance, and if the payment is over 12 months and within 24 months, the payment amount up to 12 months will be paid by the customer. 1 of the total balance for the credit company
0% as a limit and payments over 12 months as a maximum of 30% of the total balance of the customer's credit entity 2
If more than 4 months, the payment amount up to 12 months is limited to 10% of the total amount of the customer's credit entity, and the payment amount of over 12 months to 24 months is equal to the total amount of the customer's credit entity. Up to 30%, 2
Payments over 4 months to 36 months are preferably limited to 60% of the customer's total credit balance.

(2) According to a fifth aspect of the present invention, a loan business of a customer who has made a commercial transaction with a loan member institution having a contract relationship with a loan business and who has paid a mutual aid premium to a mutual aid association. Is a payment guarantee system applied when payment for the payment becomes impossible, wherein the mutual aid association pays a part or all of the mutual aid premium to an insurance agency, and during the first period, the customer i) In the case of self-bankruptcy, the remaining payment amount to the loan entity of the customer thereafter is paid to the insurance institution within a preset limit (= guarantee limit; hereinafter the same). Ii) In the case of death, compare the remaining payment amount of the customer's loan entity with a preset limit amount, and as a result, if the limit amount is less than or equal to the remaining payment amount. Pay the limit to the insurance institution Or when the limit exceeds the remaining payment, the insurance institution is made to pay the limit and the difference obtained by subtracting the remaining payment from the limit, and iii) hospitalization or housing In case of a disaster,
A payment guarantee system is provided that uses a computer to handle having the insurance agency pay one month of the monthly payment to the customer's loan business.

In the fifth aspect, the number of insurance institutions which the mutual aid association pays part or all of the mutual aid premiums is not particularly limited, and may be one institution or two or more institution. May be. In the invention according to the fifth aspect, the invention according to the sixth aspect shown below is preferable.

[0021] According to a sixth aspect of the present invention, the payment of the payment to the loan enterprise of the customer who has made a commercial transaction between the loan enterprise and the loan member institution having a contract relationship and paid the mutual aid premium to the mutual aid association. In the first period, the mutual aid association pays part or all of the mutual aid premium to two non-life insurance institutions and one life insurance institution. In the meantime, if the customer: i) went into bankruptcy, then the remaining payment to the loan entity of the customer should be made available to at least one of the insurance institutions within a preset limit. Ii) In the case of death, compare the remaining payment amount of the customer's loan entity with the preset limit amount, and as a result, the limit amount is less than or equal to the remaining payment amount. If the limit is If at least one of the insurance institutions pays at least one of the insurance institutions, or if the limit amount exceeds the remaining payment amount, at least one of the limit amount and the difference obtained by subtracting the remaining payment amount from the limit amount. Iii) In case of hospitalization or housing disaster,
Causing at least one of the insurers to pay a month's worth of monthly payments to the customer's loan business;
A payment guarantee system for processing using a computer is provided.

(3) In the present invention, various reasons may be considered as the "cause of inability to pay the price or repay the loan". For example, when a person with a regular job (salaryman) loses the regular job; If a person with a certain medical condition is hospitalized due to illness or injury and cannot make payment or repayment; if a person with a regular job goes into bankruptcy and as a result becomes unable to make payment or repayment.

In the present invention, "self-bankruptcy" means
It means that the customer himself, who has multiple debts and cannot afford to pay, has filed for bankruptcy with the court and has been declared bankrupt. After the bankruptcy sentence is filed, it is unquestionable to file a claim for exemption and receive the exemption (zero debt). Causes of "death" include:
This includes injuries from third parties and illness. Causes of "hospitalization" include injuries from third parties. "Residential disaster" means the case where the building in which the customer resides suffers total damage, half damage, or flood damage on the floor due to fire, wind and flood damage.

In the present invention, the "injury" includes not only physical injuries such as normal injuries but also physical injuries and mental injuries caused by being harmed by a third party such as stalking.

Among them, from the fifth to sixth viewpoints, it is suitable to be applied when the payment cannot be made due to self-bankruptcy as "the reason why the payment cannot be made". In this case, it is considered that payment will not be possible thereafter.

From the fifth to sixth viewpoints, it is preferable that the first period is a period up to 12 months after the customer pays the mutual aid premium.

In the fifth to sixth aspects, the exemption period is 45 days when the customer goes into bankruptcy, and the customer died.
In case of hospitalization or housing disaster, the exemption period is preferably zero.

(4) When a guarantee organization and an insurance organization are used together as in the third to fourth aspects, these organizations may be constituted by one organization. In addition, a guarantor and an insurance organization are a child guarantor and a child insurance organization,
It may be composed of a plurality of organizations such as a grandchild guarantee organization and a grandchild insurance organization.

Further, the commercial transaction performed by the customer with the credit member institution or the borrowing of cash through the automatic teller machine does not have to be face-to-face, but may be performed through a network such as the Internet.

In the invention according to the fifth aspect, the insurance organization may be composed of a plurality of insurance organizations. In the invention according to the fifth aspect, the “insurance organization” includes a life insurance organization in addition to a non-life insurance organization, and may be a domestic organization or an overseas organization. The sixth aspect of the invention is that the insurance organization is composed of two non-life insurance organizations and one life insurance organization. In the inventions according to the fifth to sixth aspects, the insurance organization may include a child insurance organization, a grandchild insurance organization, and the like.

In the present invention, "customers" include corporations such as companies in addition to ordinary individuals. "Loan business" is used in a broad concept including credit business. "Insurance organization" includes life insurance agency as well as non-life insurance agency.

[0032]

According to the payment guarantee method using the payment guarantee system according to the present invention, the customer uses the credit card without collecting from the credit business entity, the loan business entity, or the debt collection agency. There is a merit that it is possible to carry out a commercial transaction, a borrowing of cash, or a commercial transaction by an installment sale method without using a credit card at ease. On the other hand, a credit or loan business such as a credit sales company has the merit of being able to reduce the cost of collection work and to suppress the deterioration of debt.

[0033]

BEST MODE FOR CARRYING OUT THE INVENTION The present invention will be described below based on the embodiments shown in the drawings. Here, FIG. 1 is a diagram showing an overall configuration of a payment guarantee system according to an embodiment of the present invention, FIG. 2 is a flow chart for explaining an example of a payment guarantee method using the system shown in FIG. 1, and FIG. FIG. 4 is a block diagram showing an example of a payment guarantee method using the system shown in FIG. 1, FIG. 4 is a diagram showing the overall configuration of a payment guarantee system according to another embodiment of the present invention, and FIG. 5 is a diagram showing the system shown in FIG. 6 is a flowchart for explaining an example of the payment guarantee method used, FIG. 6 is a block diagram showing an example of the payment guarantee method using the system shown in FIG. 4, and FIG. 7 is a payment guarantee system according to another embodiment of the present invention. FIG. 8 is a flowchart for explaining an example of a payment guarantee method using the system shown in FIG. 7, and FIG. 9 is a flowchart showing a payment guarantee method using the system shown in FIG. Is a block diagram showing the.

First Embodiment In the present embodiment, a case where a customer makes a face-to-face business transaction of purchasing an article with a credit member store, and furthermore, for example, the payment guarantee system 2 shown in FIG. 1 and FIG. An example of a payment guarantee method using will be described.

First, the overall structure of the payment guarantee system 2 will be described.

As shown in FIG. 1 and FIG. 3, the payment guarantee system 2 according to the present embodiment, a credit member store (credit member institution) 4 as a store that sells an article to a customer 3, and the article are delivered. When the customer 3 pays the payment to the credit member store 4 in advance, the credit company (credit business entity) 6 and the guarantee company (guarantee agency) 8 bill the customer 3 for the payment at a later date. It is a system that is built so that the customer 3 can carry out a commercial transaction using a credit card with peace of mind, and can obtain a guarantee even in the unlikely event.

The payment guarantee system 2 includes a credit member store side terminal 40 installed in the credit member store 4,
The credit company side terminal 60 installed in the credit company 6 and the guarantee company side terminal 80 installed in the guarantee company 8 are provided.
These terminals 40, 60, 80 are communicably connected to each other via a communication network N1.

Each of the terminals 40, 60, 80 includes communication interfaces (I / F) 40a, 60a, 80a, computers 40b, 60b, 80b, and memories 40c, 60.
c, 80c and printers 40d, 60d, 80d.

The communication I / Fs 40a, 60a, 80a perform interface processing relating to information communication between the own terminal and other terminals via the communication network N1.

The computers 40b, 60b and 80b are
A process for receiving information transmitted from another terminal via each communication I / F 40a, 60a, 80a, including an operation input unit operable by a user of each terminal 40, 60, 80, and for other terminals It performs a process of transmitting information via the communication I / Fs 40a, 60a, 80a. The computers 40b, 60b, 80b are not limited to the desktop type installed indoors, and may be portable notebook types.

The memories 40c, 60c, 80c pre-store the programs and data necessary for the processing of the computers 40b, 60b, 80b, and the processing contents and processing results of the computers 40b, 60b, 80b (for example, for the customer 3). Various information T, T1, bills, etc.) are stored as necessary.

The printers 40d, 60d, 80d are for printing out the processing contents and processing results of the respective computers 40b, 60b, 80b as needed.

Each terminal 40, 60, 80 stores various information such as ID and password of each company (each terminal 40, 60, 80) in each memory 40c, 60c, 80c, and each computer. 40b, 60b, 80b
Is operated in cooperation with the corresponding communication I / Fs 40a, 60a, 80a.

Note that the configuration shown in FIG. 1 is for the purpose of facilitating the understanding of the present invention, and each terminal 4
The connection form between 0, 60, 80 and the communication network N1 is not limited to that shown in FIG. Further, the communication means between the terminals 40, 60, 80 is not particularly limited, and may be a telephone line, a dedicated line, radio waves, optical communication, or a combination of these.

Next, a payment guarantee method using this payment guarantee system 2 will be described.

As shown in FIGS. 1 to 3, first, the customer 3 requests the credit member store 4 as a store to purchase an article (step S1). At that time, present the credit card and sign the sales voucher.

The credit member store 4 confirms the validity of the credit card presented by the customer 3 and the identity of the signature. Then, if the credit card is still valid and the identity of the signature can be confirmed, the credit member store 4 delivers the article to the customer 3 (step S2). Thereafter, the credit member store 4 sends the credit card information T (registration number, price, payment method, etc.) of the customer 3 to the credit sales company 6 via the computer 40b, for example (step S3).

The credit company 6, which has received the credit card information T via the computer 60b, receives various information T1 of the customer 3 (for example, name, address, contact information, total payment amount, monthly payment amount, etc.). For example, it is sent to the guarantee company 8 via the computer 60b (step S
4).

After purchasing the goods, the customer 3 applies for a guarantee (guarantee consignment) to the guarantee company 8 (step S5). To apply for a guarantee, for example, write certain items in a predetermined document presented by the guarantee company 8 in advance, and with the identification document (for example, driver's license, health insurance card, passport, resident card, etc.), the guarantee company 8 By submitting to.

The guarantee company 8 who has applied for the guarantee is the customer 3 sent from the credit sales company 6 via the communication network N1.
If the information T1 is received through the computer 80b and the customer 3 who actually outsources the guarantee matches, the credit company 6 of the customer 3 is received.
Determine whether at least a part (part or all) of the payment amount to the company can be guaranteed. This judgment can be made, for example, by the work place (for example, whether or not the work place of the customer 3 is listed), the number of years of work at the place of work, the number of years of residence in the current home, the type of residence ( For example, whether the current home of the customer 3 is a home or a rented house, examination by insurance card (general social insurance, national health insurance, etc.), examination by the annual income of the customer 3, examination by the number and amount of borrowed money of the customer 3, It is comprehensively conducted by appropriately combining various examinations such as examinations based on the marital status, sex, age, and family status of the customer 3. As a result, the guarantee company 8
When it is determined that the customer 3 can be guaranteed, the guarantee for the customer 3 is determined, the customer 3 is notified of that fact, and the customer is informed to pay a guarantee fee of a predetermined amount (step S6). . The amount of the guarantee fee is not particularly limited and may be, for example, about 5% of the amount paid by the customer 3 to the credit sales company 6. After that, when the guarantee fee is paid from the customer 3 to the guarantee company 8, the conclusion of the guarantee consignment contract is completed (step S
7).

Then, when the customer 3 cannot pay the price to the credit company 6, the credit company 6 guarantees the guarantee company 8
Is requested to guarantee the payment amount of the customer 3 to the credit company 6 (step S8). This request is made, for example, via the computer 60b. Credit company 6
May charge the customer 3 for payment.

The guarantee company 8 receives the invoice T2 sent from the credit sales company 6 via the communication network N1, for example, via the computer 80b.

Then, in the normal guarantee applied when the customer 3 dies or when the customer 3 uses a fake account, it becomes possible after the customer 3 cannot pay the price. During the period, the guarantee company 8 pays the monthly payment amount that the customer 3 has to pay to the credit sales company 6 as a security deposit in accordance with the period when the customer 3 cannot actually pay (step S9).

In this case, the amount paid by the guarantee company 8 as the deposit is 1 day after the guarantee fee is paid on the day before the payment of the customer 3 to the credit company 6 becomes possible.
If it is within 2 months, 10% of the total balance of the customer 3 to the credit sales company 6 is limited, and if it is over 12 months and within 24 months, the payment amount up to 12 months is paid by the customer 3
10% of the total balance of the credit company 6
The payment amount over a month is limited to 30% of the total balance of the customer 3 to the credit sales company 6, and in the case of over 24 months,
The payment amount up to 12 months is limited to 10% of the total balance of the customer 3 to the credit company 6, and the payment amount exceeding 12 months to 24 months is 3 of the total balance of the customer 3 to the credit company 6.
It is preferable that the amount of payment is 0%, and the amount of payment from 24 months to 36 months is 60% of the total balance of the customer 3 to the credit sales company 6.

The guarantee period is from the customer 3 to the guarantee company 8.
It is preferable that the guarantee fee is paid up to 36 months (3 years). Therefore, even if 36 months (3 years) have passed since the customer 3 paid the guarantee fee to the guarantee company 8, if the payment to the credit sales company 6 still remains, the guarantee of the excess amount is guaranteed. Not done.

When the deposit is paid to the customer 3, it can be done by, for example, bank transfer. When the payment is made to the credit company 6, it can be made by bank transfer or the like, but the deposit may be made by a transfer process via the computer 80b.

When the guarantee company 8 pays the guarantee money to the customer 3, the customer 3 can use the guarantee money for payment to the credit sales company 6 (step S10). On the other hand, when a guarantee money is paid from the guarantee company 8 to the credit sales company 6, the credit sales company 6 may pretend that the customer 3 paid the payment by confirming the deposit on the computer 60b, for example.

A further specific example of the payment guarantee method using the system 2 as described above will be described. For example, Mr. A (customer 3) purchased an item of 400,000 yen from a credit member store 4 using a credit card for 20 payments of 20,000 yen monthly, and at the same time paid a guarantee fee to the guarantee company 8. An example will be described in which a person died in a traffic accident after completing the fifth payment (normal guarantee). In this case, the period from the death (one reason why payment is impossible) to the end of payment is 15 months. as a result,
Mr. A's heirs are limited to the amount equivalent to 10% of the total amount of payment for the 7th month from the 6th time to the 12th time, and the amount of payment for the 8 months from the 13th time to the 20th time The deposit can be received from the guarantee company 8 as a deposit up to the amount equivalent to 30% of the remaining amount. Mr. A's heirs can use the deposit paid by the guarantee company 8 as a part of the payment to the credit company 4.

According to the payment guarantee method using the system 2 according to the present embodiment, the customer 3 does not have to collect money from the credit sales company 6 or the debt collection company, and can carry out a commercial transaction using a credit card at ease. There is a merit that you can do it. On the other hand, the credit sales company 6 has the advantages of being able to reduce the cost of collection work and to prevent the deterioration of debts.

Second Embodiment A payment guarantee system 2a according to this embodiment is a modification of the payment guarantee system 2 shown in FIGS.
As shown in FIG. 6, the only difference is that a non-life insurance company (non-life insurance organization) 5 is further interposed. In the following description, parts common to the first embodiment will be denoted by common reference numerals in the drawings, description of common parts will be omitted, and only different points will be described in detail.

As shown in FIGS. 4 to 6, in the payment guarantee system 2a according to the present embodiment, in addition to the credit member store side terminal 40, the credit company side terminal 60 and the guarantee company side terminal 80, the non-life insurance company 5 is provided. The non-life insurance company side terminal 50 installed in each of these terminals 40, 50, 60,
80 are communicably connected to each other via a communication network N1. The non-life insurance company side terminal 50 includes a communication interface (I / F) 50a and a computer 50.
b, a memory 50c, and a printer 50d.

Next, a payment guarantee method using this payment guarantee system 2a will be described.

As shown in FIGS. 4 to 6, the credit member store 4 who is presented with a credit card by the customer 3 and applied for the purchase of goods can confirm the validity of the credit card itself and the identity of the signature. If the customer has
(Steps S1 and S2), the credit card information T of the customer 3 is sent to the credit sales company 6 via the computer 40b (step S3). Credit company 6
Displays various information T1 of the customer 3 on the computer 60, for example.
It is sent to the guarantee company 8 via b (step S4).

After purchasing the goods, the customer 3 applies for a guarantee to the guarantee company 8 (guarantee consignment) (step S5).

The guarantee company 8 who has applied for the guarantee is the customer 3 sent from the credit company 6 through the communication network N1.
If the information T1 is received through the computer 80b and the customer 3 who actually outsources the guarantee matches, the credit company 6 of the customer 3 is received.
Judge whether the amount paid for is guaranteed.
As a result, when the guarantee company 8 determines that the customer 3 may be guaranteed, the guarantee company 8 determines the guarantee for the customer 3,
The customer 3 is informed of that fact and is informed to pay a guarantee fee of a predetermined amount (step S6). After that, when the guarantee fee is paid from the customer 3 to the guarantee company 8, the conclusion of the guarantee consignment contract is completed (step S7).

Guarantee company 8 who has a guarantee contract with customer 3
In the various information T1 of the customer 3 sent from the credit sales company 6,
Information T2 is obtained by adding necessary processing, and this information T2
For example, the non-life insurance company 5 via the computer 80b
And a part of the guarantee fee paid by the customer 3 (for example, about several thousand yen uniformly) is paid as insurance premium to the non-life insurance company 5 (step S71). Payment of the insurance premium to the non-life insurance company 5 may be made by bank transfer or the like, or may be made by transfer processing via the computer 80b.

The non-life insurance company 5 uses the communication network N1.
The information T2 of the customer 3 sent from the guarantee company 8 via
For example, it is received through the computer 50b, and the insurance premium payment from the guarantee company 8 is received through, for example, the computer 50b.
Check with. In the present embodiment, the guarantee company 8 and the non-life insurance company 5 have a comprehensive contract. Therefore, when the insurance company 5 pays the insurance premium to the non-life insurance company 5, the insurance consignment contract for the customer 3 is concluded. Complete.

When the payment of the customer 3 to the credit company 6 becomes impossible, the credit company 6 makes the guarantee company 8
Is requested to guarantee the payment amount of the customer 3 to the credit company 6 (step S8). This request is made, for example, via the computer 60b. Credit company 6
May charge the customer 3 for payment.

The guarantee company 8 receives the invoice T2 sent from the credit sales company 6 via the communication network N1, for example, via the computer 80b, and notifies the customer 3 of that fact (step S81). Then, the customer 3 requests the non-life insurance company 5 to pay the insurance money to the customer 3 or the credit company 6 (step S82). The claim of the customer 3 to the non-life insurance company 5 is made through, for example, a telephone line. The guarantee company 8 informs the non-life insurance company 5 of the customer 3 without notifying the customer 3 of that fact.
Alternatively, the credit company 6 may be requested to pay the insurance money.

When the customer 3 has a regular job and loses the regular job (unemployment security), the exemption period of two months (60 days) has passed since the customer 3 became unable to pay the price. Later, until payment is possible,
The non-life insurance company 5 pays the monthly payment amount that the customer 3 should pay to the credit sales company 6 as insurance money (step S
83). In this unemployment security, the amount to be paid as insurance money by the non-life insurance company 5 is actually paid if the period until the payment of the price becomes possible within 6 months after the exemption period has passed. It is preferable to limit the amount in accordance with the period when the payment was impossible, and in the case of more than 6 months, it is preferable to limit the amount of monthly payment for 6 months.

On the other hand, when the customer 3 is a person who has a regular job and is hospitalized due to illness or injury and cannot work (income compensation), the payment of the customer 3 to the credit sales company 6 becomes impossible, and the guarantee is guaranteed. Company 8 from credit company 6,
If the customer 3 is requested to guarantee the payment amount to the credit company 6, the non-life insurance company 5 will provide a predetermined amount of insurance after the exemption period of 7 days has passed since the customer 3 became unable to pay the price. You should pay the money. In this income compensation, the amount to be paid as insurance money by the non-life insurance company 5 is actually paid when the period until the payment of the price becomes possible within 12 months after the exemption period has passed. The maximum amount is based on the period when the payment was impossible, and if it exceeds 12 months, the monthly payment is 12 months (365
It is preferable to limit the number of days).

When the insurance money is paid to the customer 3, the insurance money can be paid, for example, by bank transfer. When the payment is made to the credit company 6, the payment can be made by bank transfer or the like, but the insurance money may be paid by a transfer process via the computer 50b.

If the insurance company 5 pays the insurance money to the customer 3, the customer 3 can use the insurance money for payment to the credit sales company 6 (step S84). On the other hand, when the insurance insurance is paid from the non-life insurance company 5 to the credit sales company 6, the credit sales company 6 uses, for example, the computer 60b.
By confirming the deposit, the customer 3 can be assumed to have paid.

When the customer 3 has a balance of the monthly payment amount to be paid to the credit sales company 6, it is most preferable to guarantee the guarantee amount by the guarantee company 8 paying all the remaining amount.

In unemployment security or income compensation, customer 3
When there is a remaining amount of the monthly payment amount to be paid to the credit sales company 6, it is most preferable that the guarantee company 8 guarantees the entire amount of the remaining amount. With such a double guarantee between the guarantee company 8 and the non-life insurance company 5, the guarantee to the customer 3 is perfect. Specifically, in the case of unemployment security, if the period until the payment can be made exceeds 6 months after the exemption period has passed, a guarantee to the customer 3 for the amount exceeding 6 months is guaranteed. It is preferable that the guarantee company 8 pays the deposit (step S9). On the other hand, in the case of income compensation, if the period until the payment is made exceeds 12 months after the exemption period, the guarantee to the customer 3 for the 12 months is guaranteed. It is preferable that the company 8 pay the deposit (step S9).

When the guarantor company 8 guarantees the balance, the guarantor company 8 pays a deposit as a deposit in both unemployment security and income compensation.
If the day before the payment or the repayment of the loan becomes possible within 12 months from the payment of the guarantee fee, up to 10% of the total balance of the customer 3 to the credit company 6, In the case of over 12 months and within 24 months, the payment amount up to 12 months is limited to 10% of the total balance of the customer 3 to the credit company 6, and the payment amount over 12 months is to the customer 3 to the credit company 6. 3 of the total balance
If it exceeds 0% and exceeds 24 months, the payment amount up to 12 months is limited to 10% of the total amount of the customer 3 to the credit company 6, and the payment amount from 12 months to 24 months is set to the customer 3 amount. It is preferable to limit 30% of the total remaining amount to the credit company 6 and the payment amount from 24 months to 36 months to 60% of the total remaining amount of the customer 3 to the credit company 6.

The guarantee period is from customer 3 to guarantee company 6.
It is preferable that the guarantee fee is paid up to 36 months (3 years). Therefore, even if 36 months (3 years) have passed since the customer 3 paid the guarantee fee to the guarantee company 6, if the payment to the credit company 6 still remains, the guarantee of the excess amount is guaranteed. Not done.

When the deposit money is paid to the customer 3, it can be done by bank transfer, for example. When the payment is made to the credit company 6, it can be made by bank transfer or the like, but the deposit may be made by a transfer process via the computer 80b.

When the guarantee company 8 pays the guarantee money to the customer 3, the customer 3 can use the guarantee money for payment to the credit sales company 6 (step S10). On the other hand, when a guarantee money is paid from the guarantee company 8 to the credit sales company 6, the credit sales company 6 may pretend that the customer 3 paid the payment by confirming the deposit on the computer 60b, for example.

A further specific example of the payment guarantee method using the system 2a as described above will be described.

First, Mr. B (customer 3) uses a credit card to purchase an article of 400,000 yen from a credit member store 4 at a monthly payment of 20,000 yen, and at the same time pays a guarantee fee to the guarantee company 8. However, an example will be described in which a traffic accident occurs after the fifth payment is completed and the patient is hospitalized for five months and then returns to work (income compensation). In this case, the entire 5 months of hospitalization cannot be guaranteed, and 7 days from the occurrence of the accident (one reason why payment could not be made) is the exemption period and the guarantee by the guarantee company 8 is applied. Absent. After the exemption period of 7 days has passed since the payment was disabled, the period until the payment of payment becomes 5 months is 4 months and 23 days, which is 12 months (365
Within days). As a result, Mr. A was (4 months +23
The entire payment amount (total remaining amount) for the day can be received from the guarantee company 8 as a deposit. Mr. A can use the deposit from the guarantee company 8 for payment to the credit sales company 4.

Next, Mr. C (customer 3) purchased an item of 400,000 yen from the credit member store 4 with a credit card for 20 times of 20,000 yen monthly payment, but the fifth payment was completed. After that, I will explain by exemplifying the case where I am unemployed and I can not re-employment even after 2 years (unemployment security). In this case, 15 months from the 6th time to the 20th time, which had to be paid until now, cannot be guaranteed in full, but 2 months after the unemployment (one reason why payment was impossible). (60 days) is an exemption period, and the guarantee by the guarantee company 8 cannot be applied. After the exemption period of two months has passed since the payment was disabled, the period until the end of payment of the payment will be thirteen months. As a result, Mr. C can receive the entire amount of the 8th to 13th payments for 6 months from the non-life insurance company 5, and the 14th to 20th payments for 7 months. Can be received as a guarantee money from the guarantee company 8 up to the amount equivalent to 30% of the total balance. Mr. C can use the insurance money from the non-life insurance company 5 and the money from the guarantee company 8 for payment to the credit sales company 4.

The payment guarantee method using the system 2a according to the present embodiment can also achieve the same effects as those of the first embodiment described above, and the guarantee company 8
In the case of a double guarantee between the non-life insurance company 5 and the non-life insurance company 5, the guarantee to the customer 3 is further enhanced.

Third Embodiment In the present embodiment, a case where a customer makes a face-to-face business transaction with a loan member store by purchasing an article by an installment sale system is illustrated and shown in, for example, FIGS. 7 to 9. A payment guarantee method using the payment guarantee system 2b will be described as an example. In the following description, parts common to the first and second embodiments will be denoted by common reference numerals in the drawings, description of common parts will be omitted, and only different points will be described in detail.

As shown in FIGS. 7 to 9, the payment guarantee system 2b includes a loan member store (loan member institution) 4a as a store for selling goods to the customer 3 and the customer 3 when the goods are delivered. Pays the payment to the loan member store 4a in advance and pays the payment later to the customer 3
Constructed by a credit company (loan business) 6a, which bills several times (monthly installment), a mutual aid association 7, two non-life insurance companies (non-life insurance institutions) 5a and 5b, and a life insurance company 9. This is a system in which the customer 3 can safely carry out commercial transactions by the installment sale system, and a guarantee can be obtained even in case of emergency.

The payment guarantee system 2b includes a loan member store side terminal 41 installed in the loan member store 4a, and
The first non-life insurance company side terminal 51 installed in the non-life insurance company 5a, the second non-life insurance company side terminal 52 installed in the second non-life insurance company 5b, and the credit sales company side terminal 61 installed in the credit sales company 6a. And the mutual aid association side terminal 7 installed in the mutual aid association 7.
1 and a life insurance company side terminal 90 installed in the life insurance company 9, and each of these terminals 41, 51, 5
2, 61, 71 and 90 are communicably connected to each other via a communication network N1.

Each terminal 41, 51, 52, 61, 71, 9
0 is a communication interface (I / F) 41a, 51
a, 52a, 61a, 71a, 90a and computers 41b, 51b, 52b, 61b, 71b, 90b,
Memories 41c, 51c, 52c, 61c, 71c, 90
c and the printers 41d, 51d, 52d, 61d, 71
d and 90d. These communication I / F 41a,
51a, 52a, 61a, 71a, 90a and computers 41b, 51b, 52b, 61b, 71b, 90b
And the memories 41c, 51c, 52c, 61c, 71c,
90c and printers 41d, 51d, 52d, 61d,
As 71d and 90d, the same ones as in the above-described first embodiment are used.

Next, a payment guarantee method using the payment guarantee system 2b will be described.

As shown in FIGS. 7 to 9, first, the customer 3 requests the loan member store 4a as a store to purchase an article by the installment sale system (step S12).

The loan member store 4a that received this application
Informs the credit sales company 6a that the customer 3 has applied for the purchase of the goods by the installment sale system. At this time, the loan member store 4a sends various information T1 of the customer 3 (for example, name, address, contact information, total payment amount, monthly payment amount, etc.) to the credit sales company 6a via the computer 41b (step S13).

The credit sales company 6a receives the information T1 of the customer 3 sent from the loan member store 4a via the communication network N1 and the computer 61b, and then examines the loan setting (credit judgment based on the information T1). ) And sends the information T1 to the mutual aid association 7 via the computer 61b, for example (step S14).

The examination of credit judgment is not particularly limited,
Depending on the attribute of the customer 3 who is the loan applicant, it is possible to judge whether or not the loan can be set within the limit amount. Customer 3
Attribute determination is not particularly limited, for example, the accident history and usage history of this person, or the usage status of services other than loans (for example, a financial institution such as a bank has a deposit balance of a certain amount or more). It should be decided in consideration of comprehensively. As a result, when the credit company 6a determines that a loan can be set up for the customer 3, the loan member store 4
Notify a to that effect. This notification can be made, for example, by sending it to the loan member store 4a via the computer 61b (step S15).

Upon receipt of this notification, the loan member store 4a shows that the customer 3 has been permitted to set up a loan by the credit sales company 6a, and hands over the article (step S2).
2).

After purchasing the goods, the customer 3 applies for a guarantee to the mutual aid association 7 (guarantee consignment) (step S52). To apply for a guarantee, for example, write certain items on a certain document presented in advance by the Mutual Aid Association 7, and along with the ID card (eg driver's license, health insurance card, passport, resident card, etc.) You can do this by submitting to.

The mutual aid association 7 who has applied for the guarantee receives the customer 3 sent from the credit sales company 6a via the communication network N1.
If the information T1 is received through the computer 61b and the customer 3 who actually outsources the guarantee matches, the credit company 6 of the customer 3 is received.
At least a part (part or all) of the payment amount for a
To determine whether or not to guarantee. As a result, when the mutual aid association 7 determines that the customer 3 may be guaranteed, it determines the guarantee for the customer 3, notifies the customer 3 of that fact, and pays a predetermined amount of mutual aid premium. Is notified (step S62). After that, when the mutual aid premium is paid from the customer 3 to the mutual aid association 7, the conclusion of the guarantee consignment contract is completed (step S72).

Mutual Aid Association 7 that has a guarantee contract with customer 3
Is various information T of the customer 3 sent from the credit sales company 6a.
1 is processed as necessary to obtain information T2. This information T2 is sent to the first non-life insurance company 5a, the second non-life insurance company 5b and the life insurance company 9 via the computer 71b, for example, and the customer 3 Part or all of the mutual aid premium paid from the first non-life insurance company 5a is paid as an insurance premium, the second non-life insurance company 5b is paid as a reinsurance premium, and the life insurance company 9 is paid as an insurance premium (step S712).
In the present embodiment, some or all of the mutual aid premiums paid by the customer 3 to the mutual aid society 7 are transferred to the two non-life insurance companies 5a and 5a.
payment to b as insurance and reinsurance, and 1
It is used for payment to one life insurance company 9 as an insurance premium. As a result, even if the customer 3 goes into bankruptcy, dies, is hospitalized, or suffers a housing disaster, he / she can receive a complete guarantee. First non-life insurance company 5a,
Payment of the insurance premium and the reinsurance premium to the second non-life insurance company 5b and the life insurance company 9 may be performed by bank transfer or the like, or may be performed by a transfer process via the computer 71b.

The first non-life insurance company 5a, the second non-life insurance company 5b and the life insurance company 9 use the information T2 of the customer 3 sent from the mutual aid association 7 through the communication network N1 for example, the computers 51b, 52b, 90b. Check the deposit of insurance premium and reinsurance premium from Kyosaikai 7.

Then, during the first period (in the present embodiment, the period from the payment of the mutual aid premium to the mutual aid society 7 by the customer 3 to 12 months),

(1) If the customer 3 goes into bankruptcy or dies due to an injury, or (2) if the customer 3 dies due to illness, the credit company 6a
Requests the mutual aid association 7 to guarantee the payment amount of the customer 3 to the credit company 6a (step S82).
This request is made, for example, via the computer 61b. The credit company 6a may charge the customer 3 for payment.

Upon receiving this request, the mutual aid association 7 receives the invoice T3 sent from the credit sales company 6a via the communication network N1 via, for example, the computer 61b. The reason why the customer 3 is unable to pay the credit company 6a is that the customer 3 has (1-1) self-bankruptcy or (1-2) death due to injury. Check the other. As a result, in the case of self-bankruptcy, (1-1) if the reason why the customer 3 cannot pay the credit company 6a is due to the self-bankruptcy of the customer 3,
The property / casualty insurance company (overseas reinsurance company in this embodiment) 5a is notified, and the insurance company 6a is requested to pay the insurance money (step S201a). The first non-life insurance company 5a receiving this request conducts an investigation as necessary,
Alternatively, promptly, a predetermined amount of insurance money for the credit sales company 6a is paid to the mutual aid association 7 (step S202a). In this case, the insurance amount paid by the first non-life insurance company 5a is the customer 3
Is the remaining payment amount to the credit sales company 6a of the customer 3 after self-bankruptcy. However, the amount of insurance paid may be within a preset limit. For example, if the remaining payment amount is 200,000 yen and the limit amount is 300,000 yen, 200,000 yen may be paid. The remaining payment is 500,000 yen and the limit is 30
In the case of 10,000 yen, 300,000 yen should be paid. It should be noted that the calculation of the amount of insurance to be paid shall be considered from the day after the exemption period of 45 days has passed since the customer 3 paid the mutual aid premium to the mutual aid association 7. In the case of death due to injury, (1-2) The reason why the customer 3 is unable to pay the credit company 6a is death due to the customer 3 being injured, and the above request is received from the credit company 6a. Mutual aid society 7
Compares the remaining payment amount of the customer 3 to the credit sales company 6a after the death of the customer 3 with a preset limit amount, and (1
2-1) When the limit amount is less than or equal to the remaining payment amount (limit amount <remaining payment amount) and (1-2-2) when the limit amount exceeds the remaining payment amount (limit amount> remaining payment amount) Amount).

(1-2-1) When the limit amount is less than or equal to the remaining payment amount (limit amount <remaining payment amount), the mutual aid association 7 notifies the first non-life insurance company 5a, and the credit sales Make a request to pay the insurance money for the company 6a (step S201).
b). The first non-life insurance company 5a, which has received this request, conducts an investigation if necessary or promptly sends the credit company 6a.
A predetermined amount of insurance money is paid to the mutual aid association 7 (step S202b). In this case, the insurance amount paid by the first non-life insurance company 5a is the above-mentioned limit amount. For example, if the remaining payment amount is 500,000 yen and the limit amount is 300,000 yen, 300,000 yen may be paid. It should be noted that the calculation of the amount of insurance paid will be considered from the day after the customer 3 paid the mutual aid premium to the mutual aid association 7 (that is, the exemption period is zero).

(1-2-2) When the limit amount exceeds the remaining payment amount (limit amount> remaining payment amount), the mutual aid association 7
The first non-life insurance company 5a is notified and a claim is made to pay the insurance money for the credit sales company 6a and the sympathy money for the surviving family of the customer 3 (step S201c). The first non-life insurance company 5a, which has received this request, conducts an investigation as needed, or promptly pays a predetermined amount of insurance money and sympathy money to the credit sales company 6a to the mutual aid association 7 (step S202).
c). The insurance amount paid by the first non-life insurance company 5a in this case is the remaining payment amount to the credit company 6a of the customer 3 after the death of the customer 3. The amount of insurance paid by the first non-life insurance company 5a is calculated from the day after the customer 3 paid the mutual aid premium to the mutual aid society 7 (that is, the exemption period is zero). The amount of scholarship paid by the first non-life insurance company 5a is
It is the difference between the limit amount and the remaining payment amount. For example, when the remaining payment amount is 300,000 yen and the limit amount is 500,000 yen, the first non-life insurance company 5a pays 300,000 yen as insurance money,
Pay 200,000 yen as a souvenir. In the case of death due to illness, (2) If the reason why the customer 3 is unable to pay the credit company 6a is death due to the illness of the customer 3, the mutual aid association 7 requested by the credit company 6a The remaining payment amount of the customer 3 after the death of 3 to the credit sales company 6a is compared with a preset limit amount, and (2-1) When the limit amount is less than or equal to the remaining payment amount (limit amount <remaining amount <remaining amount Payment amount),
(2-2) A case where the limit amount exceeds the remaining payment amount (limit amount> remaining payment amount) is distinguished.

(2-1) When the limit amount is less than or equal to the remaining payment amount (limit amount <remaining payment amount), the mutual aid association 7 informs the life insurance company (in this embodiment, domestic life insurance company) 9 Notifying the credit sales company 6a to request payment of insurance money (step S203a). Upon receipt of this request, the life insurance company 9 conducts an investigation as needed, or promptly pays a prescribed amount of insurance money to the credit sales company 6a.
(Step S204a). The insurance amount paid by the life insurance company 9 in this case is the above-mentioned limit amount. For example, if the remaining payment amount is 500,000 yen and the limit amount is 300,000 yen, 300,000 yen may be paid. The calculation of the amount of insurance paid may be calculated, for example, from the day after the customer 3 paid the mutual aid premium to the mutual aid society 7 (that is, the exemption period is zero), or the customer 3 paid the mutual aid premium to the mutual aid society 7. You may start counting after one year has passed (that is, the exemption period is one year). In any case, the exemption period is not particularly limited in the present invention.

(2-2) When the limit amount exceeds the remaining payment amount (limit amount> remaining payment amount), the mutual aid association 7 notifies the life insurance company 9 of insurance against the credit sales company 6a. A request is made to pay money and sympathy money for the surviving family of the customer 3 (step S203b). Receiving this request, the life insurance company 9 conducts an investigation as needed, or promptly pays a predetermined amount of insurance money and sympathy money to the credit sales company 6a to the mutual aid association 7 (step S204b). The insurance amount paid by the life insurance company 9 in this case is the remaining amount paid to the credit company 6a of the customer 3 after the death of the customer 3. The insurance amount paid by the life insurance company 9 is calculated from the day after the customer 3 paid the mutual aid premium to the mutual aid association 7 (that is, the exemption period is zero). The amount of scholarship paid by the life insurance company 9 is the difference between the limit amount and the remaining payment amount.
For example, when the remaining payment amount is 300,000 yen and the limit amount is 500,000 yen, the life insurance company 9 pays 300,000 yen as insurance money and 200,000 yen as sympathy money.

On the other hand, during the first period, in the case of hospitalization or housing disaster, (3) When the customer 3 is hospitalized or has a housing disaster, the customer 3 requests the mutual aid association 7 for a stipend. Upon receiving this request, the mutual aid association 7 informs the second non-life insurance company 5b of the customer 3
To pay sympathy money to the customer (step S3)
00). This request is made, for example, via the computer 61b. The second non-life insurance company (domestic non-life insurance company in the present embodiment) 8b that has received this request conducts an investigation as needed, or promptly pays sympathy money to the mutual aid association 7 (step S301). In this case, the amount of the stipend money paid by the second non-life insurance company 5b may be, for example, one month of the monthly payment amount of the customer 3 to the credit sales company 6a. In addition, the calculation of the payment amount of payment is to be considered from the day after the customer 3 paid the mutual aid premium to the mutual aid society 7 (that is, the exemption period is zero).

The payment of the insurance money and / or sympathy money to the mutual aid association 7 of the first non-life insurance company 5a, the second non-life insurance company 5b and the life insurance company 9 is performed by the transfer processing through the computers 81b, 82b, 90b. Alternatively, the payment may be made by bank transfer or the like. Note that payment of the sympathy money may be made directly to the surviving family of the customer 3. In this case, the payment of the sympathy money can be made by bank transfer.

Upon receiving the insurance money from the first non-life insurance company 5a and the life insurance company 9, the mutual aid association 7 promptly pays the credit company 6a (step S400). This insurance payment can be made by a transfer process via the computer 61b, but may be made by a bank transfer or the like.

On the other hand, the mutual aid association 7 which received the sympathy money from the first non-life insurance company 5a and the second non-life insurance company 5b promptly pays to the customer 3 or the surviving family of the customer 3 (step S401). Payment of this sympathy money can be made by bank transfer or the like.

The limit amount of insurance money paid by the first non-life insurance company 5a and the life insurance company 9 is not particularly limited, but may be determined according to the premium rate, for example. For example, if the limit is 100,000 yen, the premium rate is 12.9%.
(12900 yen), when the limit amount is 300,000 yen, the premium rate is 7.96% (23900 yen), and when the limit amount is 500,000 yen, the premium rate is 6.98% (3490).
0 yen), and if the limit amount is 700,000 yen, the premium rate is 6.62% (46400 yen). If the limit amount is 1 million yen, the premium rate is 6.29% (62900 yen). do it.

Further specific details of the payment guarantee method using the system 2b as described above will be described. First, Mr. A (customer 3) purchased an article of 300,000 yen from the loan member store 4a licensed by the credit sales company 6a for 15 payments of 20,000 yen monthly, but after the fifth payment was completed, A case of self-bankruptcy will be described as an example. The limit is 500,000 yen. In this case, since it has been over 45 days (the exemption period) since the payment of the mutual aid premium, the remaining payment amount of 200,000 yen can be received from the first non-life insurance company 5a as insurance money through the mutual aid society 7, and the credit company It can be used for payment to 6a.

Next, Mr. B (customer 3) purchased an article of 300,000 yen from the loan member store 4a licensed by the credit sales company 6a for 15 payments of 20,000 yen per month, but paid a mutual aid premium. 2 days later, the case of death due to injury is illustrated.
The limit is 500,000 yen. In this case, the survivor of Mr. B is covered by the insurance by the first non-life insurance company 5a without any exemption period, and the remaining payment amount of 300,000 yen is received from the first non-life insurance company 5a as insurance money through the mutual aid association 7. And can be used for payment to the credit sales company 6a. In addition, Mr. B's survivor can also receive a 200,000 yen difference between the maximum amount and the remaining payment as stipends.

Next, Mr. C (customer 3) purchased an article of 300,000 yen from the loan member store 4a licensed by the credit sales company 6a for 15 payments of 20,000 yen monthly, but paid a mutual aid premium. The case of dying from a disease 10 days after is exemplified. The limit is 500,000 yen. In this case, the survivor of Mr. C can receive the insurance by the life insurance company 9 without any exemption period, and receive the remaining payment of 300,000 yen from the life insurance company 9 as insurance money through the mutual aid association 7. It can be used for payment to the credit company 6a. In addition, Mr. C's bereaved family can also receive a 200,000 yen difference, which is the difference between the maximum amount and the remaining payment.

Next, Mr. D (customer 3) purchased an article of 300,000 yen from the loan member store 4a licensed by the credit sales company 6a at a monthly payment of 20,000 yen for 15 payments. An example of a case where the patient is hospitalized due to an injury after the completion is shown. In this case, Mr. D is the second non-life insurance company 5 without exemption period.
As a result of the application of the reward money by b, the monthly payment amount of 20,000 yen can be received as a reward money, which can be used for payment to the credit company 6a.

The system 2 according to this embodiment as described above
Also by the payment guarantee method using b, it is possible to obtain the same operational effect as the above-described second embodiment, and to receive complete guarantee against self-bankruptcy.

Other Embodiments The embodiments of the present invention have been described above, but the present invention is not limited to these embodiments.
Needless to say, the present invention can be implemented in various modes without departing from the scope of the present invention.

For example, in the above-mentioned second embodiment, the case where the guarantee company 8 and the non-life insurance company 5 are composed of different companies and each has no subsidiary or grandchild company is illustrated. Guarantee company 8 and non-life insurance company 5
One or both of them may be configured to have a subsidiary and a subsidiary company. Further, the guarantee company 8 and the non-life insurance company 5 may be composed of one company.

In the third embodiment, the insurance organization is composed of a plurality of non-life insurance companies (first non-life insurance company 5a and second non-life insurance company 5b) and a single life insurance company 9. The insurance company 9 may be composed of only a plurality of non-life insurance companies, and the life insurance company 9 may be shared by the mutual aid association 7. Each non-life insurance company 5a, 5b may have a child non-life insurance company, a grand non-life insurance company, and the like.

[Brief description of drawings]

FIG. 1 is a diagram showing an overall configuration of a payment guarantee system according to an embodiment of the present invention.

2 is a flowchart for explaining an example of a payment guarantee method using the system shown in FIG.

FIG. 3 is a block diagram showing an example of a payment guarantee method using the system shown in FIG.

FIG. 4 is a diagram showing an overall configuration of a payment guarantee system according to another embodiment of the present invention.

FIG. 5 is a flow chart for explaining an example of a payment guarantee method using the system shown in FIG.

6 is a block diagram showing an example of a payment guarantee method using the system shown in FIG.

FIG. 7 is a diagram showing an overall configuration of a payment guarantee system according to another embodiment of the present invention.

FIG. 8 is a flow chart for explaining an example of a payment guarantee method using the system shown in FIG.

9 is a block diagram showing an example of a payment guarantee method using the system shown in FIG.

[Explanation of symbols]

2, 2a, 2b ... payment guarantee system 3 ... customer 4 ... credit member store (credit member institution) 5 ... non-life insurance company (insurance institution) 5a ... first non-life insurance company (insurance institution) 5b ... second non-life insurance company ( Insurance organization 6 ... Credit company (credit entity) 6a ... Credit company (loan entity) 7 ... Mutual aid association 8 ... Guarantee company (guarantor) 9 ... Life insurance company (insurance agency) 40 ... Credit member terminal 50 ... Non-life insurance company side terminal 51 ... First non-life insurance company side terminal 52 ... Second non-life insurance company side terminal 60 ... Credit sales company (credit business entity) side terminal 61 ... Credit sales company (loan business entity) side terminal 71 ... Mutual Aid Association Side terminal 80 ... Guarantee company side terminal 90 ... Life insurance company side terminal N1 ... Communication networks 40a, 41a, 50a to 52a, 60a, 61a, 7
1a, 80a, 90a ... Communication interfaces 40b, 41b, 50b to 52b, 60b, 61b, 7
1b, 80b, 90b ... Computers 40c, 41c, 50c to 52c, 60c, 61c, 7
1c, 80c, 90c ... Memories 40d, 41d, 50d to 52d, 60d, 61d, 7
1d, 80d, 90d ... Printer

Continued front page    (72) Inventor Hideyuki Kazumi             2nd Takibi, 2-4 Kandatacho, Chiyoda-ku, Tokyo             Le 5th floor Hikari Assurance Co., Ltd. (72) Inventor Tatsuya Ogishi             2nd Takibi, 2-4 Kandatacho, Chiyoda-ku, Tokyo             Le 5th floor Hikari Assurance Co., Ltd.

Claims (16)

[Claims] 1. A customer who conducts a commercial transaction with a credit member institution using a credit card issued by a credit business entity and pays a guarantee fee to a guarantee agency during the guarantee period. A payment guarantee system that is applied when payment for the body becomes impossible, which is the monthly payment that the customer must pay to the credit business from the time when the payment becomes impossible until the payment becomes possible. Depending on how long you were actually unable to pay,
A payment guarantee system that uses a computer to process payments made by a guarantee agency as a deposit. 2. A customer who borrows cash through an automatic teller machine and uses a credit card issued by a credit business entity and pays a guarantee fee to a guarantee agency during a guarantee period. A payment guarantee system applied when the borrower repayment to the body becomes impossible, wherein the customer has to repay to the credit business from the time when the borrower repayment becomes impossible to the time when it becomes possible. A payment guarantee system that uses a computer to process payments made by a guarantee agency as guarantee deposits according to the period during which payment was actually impossible. 3. A credit card issued by a credit business entity is used by a customer who conducts a commercial transaction with a credit member organization and pays a guarantee fee to a guarantee organization during the guarantee period. A payment guarantee system that is applied when payment for the body becomes impossible, wherein the guarantee agency pays a part of the guarantee fee paid by the customer as an insurance premium to the insurance agency, and the payment is impossible. After the exemption period has passed, until the payment becomes possible, the computer is required to have the insurance agency pay the monthly payment amount that the customer should pay to the credit business as insurance money. Payment guarantee system to process using. 4. A credit card issued by a credit business entity is used by a customer who borrows cash through an automatic teller machine and pays a guarantee fee to a guarantee agency during a guarantee period. A payment guarantee system applied when a loan repayment for the body becomes impossible, wherein the guarantor pays a part of the guarantee fee paid by the customer as an insurance premium to the insurance agency, and the loan repayment becomes impossible. After the exemption period has expired and before the repayment is possible, the computer is required to have the institution pay the monthly repayment amount to be paid to the credit business as insurance money. Payment guarantee system to process using. 5. The guarantee period is 3 after the guarantee fee is paid.
The payment guarantee system according to any one of claims 1 to 4, which is up to 6 months (3 years). 6. The payment guarantee system according to claim 3, wherein the exemption period of unemployment security applied when a person who has a regular job loses the regular job is 2 months (60 days). 7. The exemption period for income compensation applied when a person who has a regular job or a person who does not have a regular job but who has a work place is hospitalized due to illness or injury and is unable to work, is 7 days. The payment guarantee system described in 3 or 4. 8. The amount to be paid by the insurance agency as insurance money is the period until the payment or repayment is possible,
If it is within 6 months after the exemption period, the maximum amount is the amount according to the period during which payment or repayment was not possible. If it exceeds 6 months, the monthly payment or The payment guarantee system according to claim 3, 4 or 6, wherein the repayment amount is limited to 6 months. 9. The amount to be paid by the insurance organization as insurance money is the period until the payment or repayment is possible.
If it is within 12 months after the exemption period, the amount will be limited according to the period of actual insolvency or repayment, and if it exceeds 12 months, monthly payment amount or Claims 3 and 4 within 12 months (365 days) of the repayment amount
Or the payment guarantee system described in 7. 10. If the period until the payment or repayment becomes possible is more than 6 months after the exemption period has passed, the guarantee agency guarantees the customer for the amount exceeding the 6 months. Claim 8 which is performed by paying
Payment guarantee system described in. 11. When the period until the payment or repayment becomes possible exceeds 12 months after the exemption period, the guarantee organization guarantees the customer for the amount exceeding the 12 months, the guarantee money. The payment guarantee system according to claim 9, wherein the payment guarantee system is performed by paying. 12. The amount paid as a deposit by the guarantee agency is within 12 months after the guarantee fee is paid on the day before the payment or borrowing repayment to the credit entity of the customer becomes possible. Is limited to 10% of the total balance of the customer's credit business, and if it is over 12 months and within 24 months, the payment amount up to 12 months is 10% of the total balance of the customer's credit business. For payments over 12 months, the limit is 30% of the total balance of the customer's credit business, and if over 24 months, payments up to 12 months are 10% of the total balance of the customer's credit business. %, The payment amount from 12 months to 24 months is limited to 30% of the total balance of the customer's credit business,
The payment guarantee system according to claim 1, 2, 10 or 11, wherein the payment amount from more than 24 months to 36 months is limited to 60% of the total balance of the customer's credit business. 13. It is applied when a customer has a commercial transaction between a loan entity and a loan member institution having a contractual relationship, and the customer who paid the mutual aid premium to the mutual aid association becomes unable to pay the loan entity. The payment guarantee system according to claim 1, wherein a part or all of the mutual aid premium is paid to the insurance organization by the mutual aid association, and during the first period, the customer: The remaining payment amount to the loan entity of the above, within the limit set in advance, to the insurance institution, ii) In case of death, the remaining payment amount to the loan entity of the customer and , Comparing with a preset limit amount, and as a result, when the limit amount is less than or equal to the remaining payment amount, the insurance organization is made to pay the limit amount, or the limit amount is equal to the remaining payment amount. If the amount exceeds The insurance agency pays the amount of difference and the difference obtained by subtracting the remaining payment amount from the limit amount, and iii) in the case of hospitalization or in the case of a housing disaster,
A payment guarantee system that uses a computer to process the payment of one month of the monthly payment amount of a customer's loan business to the insurance institution. 14. It is applied when a customer has a commercial transaction between a loan business and a loan member institution having a contractual relationship and the customer who paid the mutual aid premium to the mutual aid association is unable to pay the loan business. The payment guarantee system according to claim 1, wherein the mutual aid association pays a part or all of the mutual aid premium to two non-life insurance organizations and one life insurance agency, and during the first period, the customer: i) In the case of self-bankruptcy, let the customer's remaining payment amount to the loan entity be paid to at least one of the insurance institutions within a preset limit amount, and ii) in the case of death Compares the remaining payment amount to the loan entity of the customer thereafter with the preset limit amount, and as a result, when the limit amount is less than or equal to the remaining payment amount, the limit amount is At least one of the insurance institutions Or at least one of the insurance institutions pays the limit and a difference obtained by subtracting the remaining payment from the limit when the limit exceeds the remaining payment, iii. ) If you are hospitalized or have a housing disaster,
A payment guarantee system that uses a computer to process at least one of the insurance institutions to pay one month's monthly payment to a customer's loan business. 15. The payment guarantee system according to claim 13, wherein the first period is a period from the customer paying a mutual aid premium to 12 months. 16. The payment guarantee system according to claim 15, wherein the exemption period is 45 days when the customer is in bankruptcy, and the exemption period is zero when the customer is dead, hospitalized, or suffers a housing disaster. .