JP2004086631A - Credit amount calculation method and apparatus - Google Patents

Abstract

A usage limit for overdrafting a deposit account is calculated based on a salary deposited in the deposit account.
SOLUTION: For a deposit account to which a salary is transferred by a salary transfer, a salary amount and a pay receipt date are stored based on salary transfer data for the past N months (N is an integer) of the deposit account, and M months A storage means 122 for calculating an average value of the salary amount for each minute (M is an integer) and storing the average value as a disposable salary amount, and calculating for multiplying the disposable salary amount by a predetermined multiplying factor to calculate a usage limit. Means 121.
[Selection diagram] Fig. 1

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a credit amount calculation method and a device thereof, and more particularly, to a credit amount calculation method for calculating a credit limit for overdrafting a deposit account based on a salary deposited in the deposit account and the credit amount calculation method. Equipment related.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, a general account has been overdrawn to a customer who uses a general account within a limit corresponding to the balance of the time deposit account. This is equivalent to lending of interest-bearing funds with the balance of time deposits as collateral. For example, the balance of an ordinary savings account may be overdrawn, such as when a utility bill is debited before the payroll transfer date. In such a case, the withdrawal is also possible, and the convenience is high for both the withdrawn person and the depositor.
[0003]
In addition, lending is carried out without interest for a certain period of time. For example, during a certain period before the scheduled payout date, the salary is reliably repaid by paying the salary, so that it is used as a method of promoting the lending and borrowing of interest and lending interest-bearing loans.
[0004]
[Problems to be solved by the invention]
However, the above-mentioned overdraft is not performed even for a savings account in which a salary transfer is performed unless a time deposit account is opened. In addition, since it corresponds to lending of interest-bearing, there is a problem that the depositor has little merit due to a difference between paying interest or paying a delinquent person.
[0005]
On the other hand, even if the loan is interest-free for a certain period of time, it is necessary to make a credit decision based on the user's declaration, so both the convenience of the user and the business efficiency of the lender are low. There was a problem. In addition, there was a problem that the management efficiency would be deteriorated unless the number of users who borrowed interest-bearing loans increased.
[0006]
The present invention has been made in view of such a problem, and an object of the present invention is to provide a credit amount calculation method and a credit amount calculation method capable of lending funds by making a credit judgment based on actual deposits. It is to provide a device.
[0007]
[Means for Solving the Problems]
According to the present invention, in order to achieve the above object, according to the first aspect of the present invention, a use limit amount for overdrafting the deposit account is calculated based on a salary deposited in the deposit account. In the credit amount calculation method, based on the deposit / withdrawal data for the past N months (N is an integer) of the deposit account, it is determined whether or not a specific depositor has received more than a predetermined amount on a specific date every month on a specific date. A judging step for judging, a first storing step of storing the paid amount as a salary amount, and storing a specific date as a salary paying date in the storage unit when it is judged that there is a deposit in the judging step; A second storage step of calculating an average value of the salary amount for each minute (M is an integer) and storing the average value in the storage unit as a disposable salary amount; Calculation step of calculating the amount And butterflies.
[0008]
According to a second aspect of the present invention, there is provided a credit amount calculating method for calculating a usage limit for overdrafting a deposit account based on a salary deposited in the deposit account, wherein the deposit is paid by a salary transfer. A first storing step of storing a salary amount and a pay-in date in a storage unit based on salary transfer data for the past N months (N is an integer) of the deposit account, and M months (M is an integer) A) calculating an average value of the salary amount and storing the average value in the storage unit as a disposable salary amount; and calculating a usage limit amount by multiplying the disposable salary amount by a predetermined multiplier. And a step.
[0009]
According to a third aspect of the present invention, in the credit amount calculating method according to the first or second aspect, M months (M is an integer) based on utility bill withdrawal data relating to automatic transfer of utility bills in the deposit account. Calculating the average of the utility bill withdrawal amount, wherein the second storing step subtracts the average of the utility bill withdrawal average from the average of the salary amount to obtain a disposable salary amount. And
[0010]
According to a fourth aspect of the present invention, in the credit amount calculating method according to the first, second or third aspect, M months (M is an integer) based on the loan repayment data relating to the automatic transfer of the loan in the deposit account. Calculating the average value of the loan repayment amount, and wherein the second storing step subtracts the average value of the loan repayment amount from the average value of the salary amount to obtain a disposable salary amount. .
[0011]
According to a fifth aspect of the present invention, there is provided a credit amount calculating apparatus for calculating a usage limit for overdrafting the deposit account based on a salary deposited in the deposit account, wherein (N is an integer) based on the deposit / withdrawal data of each month, on a specific date each month, a specific depositor determines whether or not there is a deposit of a predetermined amount or more. If it is determined, the paid amount is set as a salary amount, a specific date is stored as a salary payment date, and an average value of the salary amount for M months (M is an integer) is calculated to be disposable salary. Storage means for storing the amount as a sum, and calculating means for calculating a usage limit by multiplying the disposable salary amount by a predetermined multiplier.
[0012]
According to a sixth aspect of the present invention, there is provided a credit amount calculating device for calculating a usage limit for overdrafting the deposit account based on a salary deposited in the deposit account, wherein the deposit is paid by a salary transfer. For the account, based on the salary transfer data for the past N months (N is an integer) of the deposit account, a salary amount and a pay receipt date are stored, and the salary amount for M months (M is an integer) is stored. Storage means for calculating an average value and storing it as a disposable salary amount, and calculating means for calculating a usage limit by multiplying the disposable salary amount by a predetermined multiplier.
[0013]
According to a seventh aspect of the present invention, in the credit amount calculating apparatus according to the fifth or sixth aspect, M months (M is an integer) based on utility bill deduction data relating to automatic transfer of utility bills in the deposit account. Means for calculating an average value of the utility charge deduction amount, and the storage means subtracts the average value of the utility rate deduction amount from the average value of the salary amount to obtain a disposable salary amount. .
[0014]
According to an eighth aspect of the present invention, in the credit amount calculating apparatus according to the fifth, sixth or seventh aspect, M months (M is an integer) based on the loan repayment data relating to the automatic transfer of the loan in the deposit account. Means for calculating an average value of the loan repayment amount, wherein the storage means subtracts the average value of the loan repayment amount from the average value of the salary amount to obtain a disposable salary amount.
[0015]
According to a ninth aspect of the present invention, there is provided a program for causing a computer to execute each of the steps according to any one of the first to fourth aspects.
[0016]
According to a tenth aspect of the present invention, there is provided a computer-readable recording medium storing a program for causing a computer to execute each of the steps according to any one of the first to fourth aspects.
[0017]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. According to the present invention, a customer who has set up a savings account in which a salary transfer is performed by a foreign exchange system can lend funds without interest according to the amount of the salary transfer only for a certain period before the scheduled payout payment, or The following describes an example of a fund management service for lending. The present invention relates to a method and an apparatus for calculating a credit limit, that is, a credit amount in a fund management service.
[0018]
FIG. 1 is a schematic diagram showing a bank system according to an embodiment of the present invention. A bank system 100 includes a general-purpose computer 102 capable of performing EB (Electronic Banking), a teller terminal 103 of a bank, an ATM (Automatic Teller's Machine) 104, and a telephone that performs telephone banking via a network 101. It is connected to the terminal 105. The bank system 100 is connected to the network 101 and has an FEP (Front-End Processor) 111 for performing communication processing and the like, a database 112 for storing customer information, and a deposit system 113 for managing a deposit account. .
[0019]
The deposit system 113 is connected to each of the exchange system 114, the automatic utility bill transfer system 115, and the fund management system 117 according to the present invention, and manages deposits and withdrawals of the deposit account. The exchange system 114 can handle not only deposits and withdrawals related to general exchange transactions but also salary transfer of employees in accordance with contracts with companies and the like. The currency exchange system 114 transmits the salary transfer data to the deposit system 113 on a predetermined salary payment date every month. The automatic utility bill transfer system 115 is a system for automatically transferring utility charges in accordance with a contract with a company or the like, and transmits utility bill withdrawal data to the deposit system 113 on a predetermined monthly withdrawal date.
[0020]
The fund management system 117 includes an authorized frame calculation system 121 for calculating a loan usage limit, a storage unit 122 for storing a multiplication table and the like as a basis for the calculation, and a file necessary for providing a fund management service. And an accounting system 123 that creates
[0021]
FIG. 2 is a flowchart illustrating a method of calculating a usage limit in a fund management service according to an embodiment of the present invention. Upon receiving an application for the fund management service from the applicant via the general-purpose computer 102 or the like (S21), the FEP 111 updates the customer information in the database 112 (S22). The fund management system 117 acquires, from the deposit system 113, salary transfer data relating to salary transferred from the exchange system 114 and utility bill withdrawal data transferred to the utility utility automatic transfer system 115 based on the customer information.
[0022]
The fund management system 117 additionally obtains loan repayment data from the loan system 118. From the average salary calculated from the salary transfer data, the disposable salary is calculated by subtracting the utility deduction calculated from the utility debit data and the average loan repayment calculated from the loan repayment data (S23). The usage limit is calculated based on the disposable salary amount and the multiplication table in the storage unit 122 (S24).
[0023]
Since the fund management service lends funds or lends over a deposit account using the monthly salary transfer as a repayment source, it is possible to calculate the use limit amount, that is, the credit amount, as described above. If you lend the funds at no interest, the depositor can regard it as advance borrowing or advance payment based on salary transfer. Note that a service in which the period before the scheduled payout date is changed and the funds are loaned with interest according to the amount of the payroll transfer is also conceivable.
[0024]
FIG. 3 is a flowchart showing a method of calculating a disposable salary amount based on salary transfer data from the exchange system. 3 shows details of step S23 shown in FIG. The fund management system 117 acquires salary transfer data, utility charge debit data, and loan repayment data (S31). It is determined whether or not the acquired payroll transfer data has been collected for N consecutive months. If the data has not been collected (S32), the use of the fund management service is disabled.
[0025]
If the payment is completed for N consecutive months (S32), it is confirmed that there is a payout for N consecutive months before or after the pay day specified by the applicant. In this way, from the salary transfer data for N months, the salary amount, which is the amount of the salary transferred, and the salary payment date including the handling when the salary payment date is a holiday are set in the storage unit 122 ( S33).
[0026]
Further, it is confirmed whether or not the acquired salary transfer data has been prepared for M months, and whether the salary transfer has been made (S34). When confirmation is made for M months or more, the average of the salaries for M months is set as an average salary in the storage unit 122 (S35). If only less than M months can be confirmed, the minimum salary for the period is set as an average salary in the storage unit 122 (S36). The disposable salary is obtained by subtracting the utility bill deduction amount and the loan average repayment amount from the set average salary amount (S37).
[0027]
In the present embodiment, the disposable salary amount is calculated based on the salary transfer data from the exchange system 114, but, for example, from the deposit and withdrawal data of the deposit system 113, on a specific date every month, When there is a payment equal to or greater than a predetermined amount, the amount of payment may be regarded as a salary amount, and a specific date may be used as a salary payment date to calculate a disposable salary amount. If there is a remittance on a specific date every month, the remittant is specified as a depositor. In the case of cash deposit, for example, a service code of a fund management service, a customer ID, or the like is presented to make a deposit, and the depositor is specified.
[0028]
Further, when an application is received through the accounting department of the company that performs the payroll transfer, steps S31 and S32 are omitted, and the pay-in payment date is set based on the contents of the application and the like, and steps S34, S35, and S37 are performed. Processing may be performed.
[0029]
Further, the utility bill deduction amount and the loan repayment amount are subtracted from the average salary amount. However, other account items in which a fixed amount is withdrawn every month from the deposit account may be subtracted from the average salary amount.
[0030]
FIG. 4 is a flowchart illustrating a method of calculating a usage limit based on salary transfer data from the exchange system. 3 shows details of step S24 shown in FIG. The fund management system 117 calculates the usage limit A1 from the disposable salary calculated by the method shown in FIG. 3 based on the multiplication table stored in the storage unit 122 (S41). The usage limit A2 designated by the applicant is acquired (S42), and both are compared (S43). If A1 ≧ A2, A2 is set as the usage limit (S44), and if A1 <A2, A1 is set as the usage limit (S45). If A1 ≧ A2, an inquiry may be made to the applicant, and the application may be accepted again within the amount of A1 or less.
[0031]
FIG. 5 is a flowchart showing a method of updating the usage limit. First, the current usage limit B1 is acquired (S51). The fund management system 117 calculates the usage limit B2 from the disposable salary amount of the latest M months obtained by the method shown in FIG. 3 based on the multiplication table stored in the storage unit 122 (S52). . The two are compared (S53), and if B2 ≧ B1, B1 is set as the usage limit (S54), and if B2 <B1, B2 is set as the usage limit (S55). If B2 ≧ B1, an inquiry may be made to the applicant and the designation of the usage limit may be accepted again in the range of the amount of money equal to or less than B2.
[0032]
In this way, the authorized frame calculation system 121 of the fund management system 117 calculates necessary parameters such as the payday, the payable date, the disposable salary, and the usage limit, and sets them in the storage unit 122. The account system 123 creates a file necessary for the deposit system 113 to provide the fund management service based on the parameters set in the storage unit 122, and adds the file to the deposit system 113.
[0033]
FIG. 6 shows an example of the multiplication factor table. The multiplying factor table stored in the storage unit 122 defines a multiplying factor in accordance with, for example, the amount of disposable salary and the period of use of the fund management service. The fund management system 117 calculates the usage limit = disposable salary × multiplication factor. The multiplying factor table may set the multiplying factor in consideration of, for example, the period of use of the ordinary savings account, the presence or absence of a time deposit account, and the like.
[0034]
FIG. 7 is a flowchart illustrating a method of using the fund management service according to an embodiment of the present invention. When the applicant of the fund management service withdraws funds from the ordinary deposit account, the deposit system 113 checks the withdrawal amount and the account balance (S71). If account balance ≧ withdrawal amount, normal withdrawal is performed without using the fund management service (S72). If the account balance is smaller than the withdrawal amount, the file including the usage limit is checked by referring to the file acquired from the account system 123 of the fund management system 117 (S73).
[0035]
If the account balance + the usage limit <the withdrawal amount, the fund is not withdrawn, and the applicant is notified to that effect (S74). If account balance + use limit ≧ withdrawal amount, the applicant is inquired of the necessity of use of the fund management service (S75), and if used, funds are withdrawn (S76). If not used, no fund is withdrawn (S77) and the process ends.
[0036]
According to the present embodiment, lending of funds is performed to a customer who has opened a savings account in which payroll transfer is performed by calculating a usage limit from payroll transfer data. Therefore, the depositor can easily obtain the credit from the actual payroll transfer, and does not need to submit documents such as an annual income certificate and a seal certificate, which were conventionally required for the credit business. In addition, even if a specific depositor receives a deposit equal to or greater than a predetermined amount on a specific date every month, the amount of the deposit is regarded as a salary and the loan limit is calculated by calculating the usage limit. It can be carried out.
[0037]
On the other hand, the bank does not need to examine the above-mentioned documents, and can improve the efficiency of the credit business. In addition, if the withdrawal of funds before the scheduled payment date is promoted, the window business concentrated at the end of the month can be dispersed. In addition, lending and borrowing of funds can be facilitated, and a new customer group can be developed.
[0038]
【The invention's effect】
As described above, according to the present invention, a salary amount and a salary payment date are set based on salary transfer data for the past N months of a deposit account, and an average value of salaries for M months is calculated. The amount of disposable salary is calculated by multiplying the amount of disposable salary by a predetermined multiplication factor to calculate the usage limit, so it is possible to lend funds by making credit judgments based on actual salary transfers It becomes.
[Brief description of the drawings]
FIG. 1 is a schematic diagram showing a bank system according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating a method of calculating a usage limit in a fund management service according to an embodiment of the present invention.
FIG. 3 is a flowchart showing a method of calculating a disposable salary amount based on salary transfer data from an exchange system.
FIG. 4 is a flowchart showing a method of calculating a usage limit based on salary transfer data from an exchange system.
FIG. 5 is a flowchart showing a method of updating a usage limit.
FIG. 6 is a diagram showing an example of a multiplication factor table.
FIG. 7 is a flowchart illustrating a method of using a fund management service according to an embodiment of the present invention.
[Explanation of symbols]
100 Bank system 101 Network 102 General-purpose computer 103 Counter terminal 104 ATM
105 telephone terminal 111 FEP
112 Database 113 Deposit system 114 Currency exchange system 115 Automatic utility bill transfer system 117 Fund management system 118 Loan system 121 Authorized quota calculation system 122 Storage unit 123 Account system

Claims (10)

A credit amount calculation method for calculating a usage limit for overdrafting the deposit account based on a salary deposited in the deposit account,
A determination step of determining whether or not a specific depositor has received more than a predetermined amount on a specific date every month based on deposit and withdrawal data for the past N months (N is an integer) of the deposit account;
When it is determined in the determination step that there is a payment, a first storage step of storing the received amount as a salary amount and storing a specific date as a payment date in the storage unit,
A second storing step of calculating an average value of the salary amount for M months (M is an integer) and storing the average value in the storage unit as a disposable salary amount;
Calculating a credit limit by multiplying the disposable salary by a predetermined multiplier. A credit amount calculation method for calculating a usage limit for overdrafting the deposit account based on a salary deposited in the deposit account,
A first storing step of storing, in a storage unit, a salary amount and a salary payment date for a deposit account to which a salary is to be transferred by salary transfer, based on salary transfer data for the past N months (N is an integer) of the deposit account; ,
A second storing step of calculating an average value of the salary amount for M months (M is an integer) and storing the average value in the storage unit as a disposable salary amount;
Calculating a credit limit by multiplying the disposable salary by a predetermined multiplier. Calculating a mean of the utility bill deduction amount for M months (M is an integer) based on utility bill debit data relating to automatic transfer of the utility bill of the deposit account; and the second storing step includes: The credit amount calculation method according to claim 1 or 2, wherein the average value of the utility charge deduction amount is subtracted from the average value of the salary amount to obtain a disposable salary amount. Calculating a mean value of the loan repayment amount for M months (M is an integer) based on the loan repayment data relating to the automatic transfer of the loan in the deposit account, and the second storing step includes: The credit amount calculation method according to claim 1, wherein the average value of the loan repayment is subtracted from the average value of the loan to obtain a disposable salary amount. In a credit amount calculation device that calculates a usage limit for overdrafting the deposit account based on a salary deposited in the deposit account,
Determining means for determining whether or not a specific depositor has received more than a predetermined amount on a specific date every month based on deposit and withdrawal data for the past N months (N is an integer) of the deposit account;
When it is determined by the determination means that there is a payment, the paid amount is regarded as a salary amount, a specific date is stored as a salary payment date, and an average of the salary amount for M months (M is an integer) is stored. Storage means for calculating a value and storing it as a disposable salary amount;
A credit calculating device for calculating a credit limit by multiplying the disposable salary by a predetermined multiplier. In a credit amount calculation device that calculates a usage limit for overdrafting the deposit account based on a salary deposited in the deposit account,
For a deposit account to which a salary is transferred by payroll transfer, based on payroll transfer data for the past N months (N is an integer) of the deposit account, a pay amount and a pay day are stored, and M months (M Storage means for calculating an average value of the salary amounts of the integers and storing the average value as a disposable salary amount;
A credit calculating device for calculating a credit limit by multiplying the disposable salary by a predetermined multiplier. A means for calculating an average value of the utility bill withdrawal for M months (M is an integer) based on utility bill debit data relating to automatic transfer of utility bills in the deposit account; The credit amount calculating device according to claim 5, wherein the average value of the deduction amount of the utility charge is subtracted from the average value of the amount to obtain a disposable salary amount. A means for calculating an average value of the loan repayment amount for M months (M is an integer) based on loan repayment data relating to automatic transfer of the loan in the deposit account; and the storage means comprises an average of the salary amount. 8. The credit amount calculating device according to claim 5, wherein the average value of the loan repayment amount is subtracted from the value to obtain a disposable salary amount. A program for causing a computer to execute the steps according to any one of claims 1 to 4. A computer-readable recording medium on which a program for causing a computer to execute the steps according to claim 1 is recorded.

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