JP2006235805A - Scheduled payment management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a scheduled payment management system capable of exempting periodic payment of a debtor, and providing fulfillment of convenient scheduled payment in a financial deal applying scheduled payment and not setting a payment money expenditure account. <P>SOLUTION: In the scheduled payment management system, when a CPU of a server receives money received sounding information related to payment from a terminal (ATM) side, financial deal information related to a specific financial deal is collected in step S13, and then, an input process of a payment sum is carried out on the basis of reception of payment sum information from the terminal side in step S14. In steps S15 to S17, of the payment sum, a sum less than one scheduled payment sum is processed as a non-periodic payment appropriation sum, and a sum that is the same or more than one scheduled payment sum is processed as a scheduled payment appropriation sum. In step S18, an appropriation scheduled payment period is determined by using a positive integral value determined by discarding fractions below the decimal point in a multiple value obtained by dividing the scheduled payment appropriation sum by one scheduled payment sum. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a loan repayment management system in a financial transaction, and more particularly to a management system for contract repayment in a loan transaction in which a repayment payout account is not set.

  In general, there are two methods of repayment of loans in financial transactions: a repayment method as needed and a contract repayment method. Repayment at any time is a repayment method in which the repayment date and the repayment amount are optional by the debtor. On the other hand, promised repayment is a method of repayment according to the promised conditions (repayment time, repayment amount, etc.) exchanged between creditors and debtors. Recently, contractual repayment, which has the advantage of being able to confirm the debtor's ability to repay by obligating the debtor to make periodic repayments, is also the mainstream.

Here, the contract repayment method includes a method of transferring the contract amount from a designated account at the contract time (see, for example, Patent Document 1) and a method of directly repayment of the contract amount with cash at the contract time. In the case of the former, if there is a balance in the repayment payment account designated by the debtor, one repayment is completed by automatically transferring the contract amount at the contract time. In the latter case, one repayment is completed by repaying the cash equivalent to the contracted amount directly to the creditor without going through the designated account of the debtor at the store counter or ATM (Automatic Teller Machine). To do. Therefore, in the case of financing using only the latter repayment method, there is no repayment payout account. For example, deposits and withdrawals at ATMs using only a debtor recognition medium (card, etc.) issued after the loan agreement. You can make a loan transaction.
JP 2004-199125 A (Claim 6)

  By the way, in a conventional loan transaction in which a repayment account is not set, even if the repayment amount at the contract time is equal to or greater than a predetermined contract amount, it is treated as a combination of one-time contract repayment and repayment as needed. For example, even if you repay the amount equivalent to the contract amount twice, you can not exempt the next repayment by applying the amount corresponding to the remaining one amount other than the current one to the next contract repayment Also, at the next contract time, it is necessary to repay the predetermined contract amount. In addition, when the minimum repayment amount is determined for one repayment amount at the contract date, and the repayment amount is more than the minimum repayment amount (for example, twice the minimum repayment amount), the repayment amount is one time May be treated as a scheduled repayment.

  In any case, in a conventional loan transaction that does not set up a repayment account, it was not possible to complete the scheduled repayment by several times. Therefore, even if you are not in a place where you can repay at the scheduled repayment time, for example, if you go abroad for several months, or if you do not have regular income, the debtor will secure the repayment funds each time at the scheduled repayment time. If you don't pay back, you may become delinquent.

  The present invention has been made in view of the above circumstances, and its purpose is to exempt the debtor from regular repayment in a loan transaction that applies contract repayment and does not set up a repayment payment account. An object is to provide a contract repayment management system that enables execution of a certain contract repayment.

  In order to achieve the above object, the invention according to claim 1 relating to the contract repayment management system uses a computer system in which a server and a terminal are connected so as to be able to communicate information, and the server side and the terminal side are connected. , Based on the receipt of transaction specific information specifying the loan transaction related to loan repayment sent from the terminal side in the contract repayment management system that manages the history of loan repayment by sending and receiving various information An information collecting step in which the server collects loan transaction information related to the loan transaction specified by the transaction specifying information from a customer data file in which the loan transaction information is recorded in an updatable manner, and stores the information in a predetermined storage unit; Based on reception of repayment amount information specifying the repayment amount related to the repayment transmitted from the terminal side, the server records the repayment amount information in a predetermined storage means. A repayment amount confirmation step, and based on the repayment amount information and the loan transaction information stored in the storage means, the server executes a contract repayment in which the repayment amount specified by the repayment amount information is included in the loan transaction information If it is determined whether or not the amount is equal to or more than one time, and the determination result is affirmative determination, a positive value obtained by rounding down the decimal point in the multiple value obtained when the repayment amount is divided by the one amount of the repayment amount A determination step of storing the integer value n in a predetermined storage means, and if the determination result in the determination step is affirmative determination, the server uses the positive integer value n stored in the storage means as the customer data file And the repayment amount specified by the repayment amount information is added to the customer data file. It is subtracted from the loan balance contained in the record information, characterized by comprising an update step of updating the recording information of said customer data files.

  According to a second aspect of the present invention, in the contracted repayment management system according to the first aspect, if the determination result is a negative determination in the determination step, the server determines the repayment amount specified by the repayment amount information. To update the record information of the customer data file by subtracting the repayment amount from the loan balance included in the record information of the customer data file in the updating step. Features.

  According to a third aspect of the present invention, in the contract repayment management system according to the first or second aspect, the server uses an amount to be allocated to the contract repayment from the repayment amount transmitted from the terminal side. When the designated repayment amount information is received, in the determination step, instead of the repayment amount specified by the repayment amount information, the amount specified by the promised repayment amount information is used for the one amount of the scheduled repayment amount. A positive integer value n obtained by rounding down the decimal point in the multiple value obtained by dividing is stored in the storage means. In the updating step, the positive integer value n is included in the record information of the customer data file. In addition to the value of the number of promised repayments, the repayment amount specified by the repayment amount information is included in the record information of the customer data file And it is subtracted from the loan balance is, and updates the recorded information of the customer data file.

  According to a fourth aspect of the present invention, in the contracted repayment management system according to any one of the first to third aspects, in the determination step, the server includes a year and month to which the procedure date related to the repayment belongs. By adding the number of months corresponding to the value of the positive integer value n−1 to the above, it is possible to determine an appropriate contracted repayment period, which is a contracted repayment period determined to have been executed.

  According to a fifth aspect of the present invention, in the contract repayment management system according to any one of the first to fourth aspects, the server updates the recorded information of the customer data file in the updating step. The information processing device further includes a notification step of outputting the information in a notification mode on the terminal side.

  According to the present invention, it is possible to exempt a debtor from periodic repayment in a loan transaction in which contract repayment is applied and a repayment account is not set up, so that it is possible to perform convenient execution of contract repayment. become.

  Hereinafter, an embodiment in which the present invention is embodied in a contract repayment management system in a loan transaction in which a repayment payout account using a computer system is not set in a bank which is a kind of a loan transaction handling organization will be described with reference to FIGS. explain.

  As shown in FIG. 1, a computer system 100 according to this embodiment includes a server 101 installed in a bank, and a terminal installed inside and outside a bank store, where a bank employee (operator) or customer can input a predetermined bank transaction. 102, and the server 101 and the terminal 102 are connected to each other via a communication line 103 so that information communication is possible. In this embodiment, the case where ATM is used as the terminal 102 will be described below as an example.

  The server 101 includes a central processing unit (CPU) 104 as a control unit that controls the entire computer system 100. The CPU 104 includes a ROM (Read Only Memory) 105 that stores an operation program of the computer system 100, and a RAM (predetermined storage means capable of writing and reading various calculation contents and application software, etc.). Random access memory) 106 is connected.

  On the other hand, the terminal (ATM) 102 includes a CPU 107 as a control means for controlling the operating state of the terminal (ATM) 102. The terminal (ATM) 102 is provided with an operation screen 108 in a touch panel format, and the terminal (ATM) 102 transmits various information transmitted and received through the communication line 103 to and from the server 101 side. The output can be displayed in the notification mode. And when a customer performs transaction operations, such as cash payment and balance confirmation, using the said terminal (ATM) 102, it is performed as follows. That is, the server 101 stores various information (customer identification information, etc.) read from the cash card or passbook inserted into the card or passbook insertion port (not shown) by the customer, or a personal identification number input from the operation screen 108. Is transmitted to the CPU 104 on the side.

  Further, as shown in FIG. 1, a customer data file 109 that stores and records various information relating to all existing loan transactions and customers of the loan transaction is connected to the server 101 of the computer system 100. As shown in FIG. 2, the customer data file 109 includes various information relating to a loan transaction, that is, a customer number 201, a customer name 202, a loan transaction number 203, a loan balance 204, a promised repayment amount of one time 205, and a required promised repayment count. 206, promised repayment execution count 207, and repayment date 208 are separately recorded for each loan transaction. The data content is updated by the CPU 104 whenever there is a change in the loan balance 204 or the like.

  Therefore, next, the control processing routine executed by the CPU 104 of the server 101 and the operation screen 108 of the terminal (ATM) 102 at that time when managing the scheduled repayment of the loan transaction without setting the repayment payout account by the computer system 100. The display contents will be described below with reference to the flowchart shown in FIG. 3 and the screen displays shown in FIGS.

  Now, on the operation screen 108 of the terminal (ATM) 102 operated by the customer, as shown in FIG. 4, a deposit button 21, a passbook entry button 22, a withdrawal button 23, a transfer button 24, a balance inquiry button A plurality of types of transaction-specific operation buttons such as 25 are set and displayed to allow touch operation input. The terminal (ATM) 102 having the operation screen 108 is always connected to the server 101 via the communication line 103. Therefore, the CPU 104 on the server 101 side always determines whether or not there is a touch operation input of the transaction-specific operation button on the terminal (ATM) 102 side based on reception of various information transmitted from the terminal (ATM) 102. is doing. Accordingly, when the customer desires to repay the loan transaction, if the deposit button 21 is touch-operated, screens necessary for the repayment of the loan transaction are sequentially displayed on the operation screen 108 according to the display contents. The customer can easily complete the repayment of the loan transaction.

  That is, when a customer touch-inputs the deposit button 21 on the operation screen 108 on the terminal (ATM) 102 side, information indicating that the terminal (ATM) 102 has received a cash deposit (hereinafter, referred to as cash deposit). Deposit payment consultation information) is transmitted from the terminal (ATM) 102 to the CPU 104 on the server 101 side. Then, the CPU 104 proceeds to the next step S12 because the determination result in step S11 shown in FIG.

  In step S12, the CPU 104 identifies the terminal 102 that is the transmission source of the deposit consultation information. Specifically, it is determined whether the terminal 102 is a terminal operated by a customer or a terminal operated by a bank clerk (operator) installed in a bank store. This identification determination is made based on the terminal identification information attached when the payment consultation information is transmitted from the terminal 102 side to the server 101 side.

  As a result of the identification determination, if the terminal 102 that is the transmission source of the payment consultation information is a terminal (ATM) operated by a customer, the CPU 104 of the server 101 then uses a customer recognition medium (such as a card). An insertion guide message (not shown) to the reading insertion slot is displayed on the operation screen 108. Here, when a customer inserts a debtor recognition medium (such as a card) issued after a loan contract in a specific loan transaction, a transaction related to the specific loan transaction read from the inserted debtor recognition medium The specific information is transmitted from the terminal (ATM) 102 side to the CPU 104 of the server 101. Then, the CPU 104 of the server 101 determines that the payment consultation information is repayment consultation information related to a specific loan transaction. Thereafter, the receipt of repayment consultation information indicates that the payment consultation information has been received in step S11. Various processes are executed assuming that there is a problem.

  Then, in step S13 which is an information collecting step, the CPU 104 specifies a specific data from the customer data file 109 based on the repayment consultation information (payment consultation information) and the transaction identification information transmitted from the terminal (ATM) 102 side. Various information relating to the loan transaction (hereinafter referred to as loan transaction information) is collected and temporarily stored in the RAM 106. That is, first, the repayment target loan transaction related to the current repayment performance is specified based on the transaction specifying information from all the loan transaction information stored in the customer data file 109. Collect and store record information on the loan balance in the loan transaction, the promised repayment amount for the loan transaction, the required number of promised repayments and the number of promised repayments at the time of receipt of the repayment consultation information, etc. To process.

  For example, if the customer who executes the repayment related to the specific loan transaction at the terminal (ATM) 102 is the customer with the customer name 202 “Hanako Ogaki” recorded in the customer data file 109 shown in FIG. The CPU 104 of 101 collects and stores the following loan transaction information in step S13. That is, the record information that the loan transaction number 203 of the repayment target loan transaction specified by the transaction specifying information is “54310” and the loan balance 204 is “300,000 yen” is collected, and the RAM 106 is stored as the loan transaction information. Memorize temporarily. Similarly, the CPU 104 indicates that the amount of the scheduled repayment 205 is “10,000 yen”, the required number of repayments 206 of the loan transaction at the time of receiving the repayment consultation information is “5”, and Record information or the like indicating that the number of promised repayment executions 207 is “5” is collected and temporarily stored in the RAM 106 as loan transaction information.

  In addition, the CPU 104 of the server 101 outputs and displays a cash receipt prompt message (not shown) on the operation screen 108 to the terminal (ATM) 102 based on the receipt of the repayment consultation information and the transaction specifying information. Send display information. Then, on the terminal (ATM) 102 side, based on the control of the CPU 107 of the terminal 102, a cash insertion slot (not shown) is opened so that cash can be inserted. Then, after the payment of the repayment money to the cash insertion slot by the customer, the repayment amount information corresponding to the payment amount is transmitted from the terminal (ATM) 102 side to the CPU 104 of the server 101, which is a repayment amount confirmation step. In the next step S <b> 14, the CPU 104 of the server 101 temporarily stores the repayment amount information in the RAM 106.

  Then, the CPU 104 of the server 101 transmits screen display information for outputting and displaying a screen display as shown in FIG. 5 on the operation screen 108 to the terminal (ATM) 102 based on the reception of the repayment amount information. . On the operation screen 108 of the terminal (ATM) 102, a deposit amount confirmation display 26 is displayed for requesting the customer to confirm the repayment amount deposited into the cash insertion slot. In this embodiment, the case where the payment amount of the repayment to the cash insertion slot by the customer is 25,000 yen is illustrated. When the customer who sees the deposit amount confirmation display 26 performs a touch operation input of the procedure cancel button 27 displayed on the upper right of the operation screen 108 for the reason of changing the repayment amount, for example, from the terminal (ATM) 102 side. Procedure cancellation information is transmitted to the CPU 104 on the server 101 side.

  Then, the CPU 104 of the server 101 erases the repayment amount information and the loan transaction information temporarily stored in the RAM 106 based on the reception of the procedure cancellation information from the terminal (ATM) 102 side. The control processing routine shown in FIG. Then, screen display information for returning the operation screen 108 of the terminal (ATM) 102 to the screen display shown in FIG. 4 is transmitted to the terminal (ATM) 102 side.

  On the terminal (ATM) 102 side, the CPU 107 of the terminal (ATM) 102 functions based on the touch operation input of the procedure cancel button 27 to discharge the repayment money from the cash insertion slot, and further to the customer recognition The medium for recognizing the debtor is discharged from the reading slot for the medium (such as a card). In this way, when the procedure cancel button 27 displayed on the operation screen 108 of the terminal (ATM) 102 is touch-input by the customer, the server 101 side and the terminal (ATM) 102 side as described above. Procedure cancellation related processing (temporary deletion of stored contents, termination of control processing routine, deposit amount, discharge for returning card, etc.) is executed. On the other hand, when the customer who sees the payment amount confirmation display 26 confirms the display contents and touches and inputs the confirmation button 28 displayed at the lower right of the operation screen 108, the terminal (ATM) 102 side Procedure continuation information suggesting further continuation of the control processing routine shown in FIG. 3 is transmitted to the CPU 104 of the server 101.

  Then, in step S15 which is the first processing in the determination step, the CPU 104 of the server 101 performs the current repayment performance based on the repayment amount information and the loan transaction information temporarily stored in the RAM 106. It is determined whether or not the repayment amount that the customer intends to repay is equal to or more than the amount of the contractual repayment amount 205 for one payment. If the repayment amount is, for example, 5,000 yen and is less than the amount of the contractual repayment amount 205 for each transaction (that is, the determination result in step S15 is negative), in step S16, the CPU 104 of the server 101 The repayment amount is determined as the repayment amount appropriated for repayment as needed. Then, the process proceeds to step S18, and the CPU 104 of the server 101 transmits screen display information for displaying a screen display as shown in FIG. Then, on the operation screen 108 of the terminal (ATM) 102, an appropriation breakdown confirmation display 29 for requesting confirmation of appropriation of the repayment amount as needed is displayed. "Optional repayment" is displayed.)

  On the terminal (ATM) 102 side, when the customer who sees the appropriation breakdown confirmation display 29 performs a touch operation input of the procedure cancel button 30 displayed on the upper right of the operation screen 108, for example, for the reason of changing the repayment amount, etc. The procedure cancellation information is transmitted from the terminal (ATM) 102 side to the CPU 104 on the server 101 side. Then, as the procedure cancel button 27 is touch-input by the customer, on the server 101 side and the terminal (ATM) 102 side, the procedure cancel-related processing as described above is executed, respectively. The operation screen 108 is returned to the screen display shown in FIG.

  On the other hand, when the customer who sees the appropriation breakdown confirmation display 29 confirms the display contents and touches the confirmation button 31 displayed on the lower right of the operation screen 108, the confirmation is performed from the terminal (ATM) 102 side. The allocation breakdown amount confirmation information corresponding to the repayment amount displayed on the allocation breakdown confirmation display 29 at the time of the touch operation input of the button 31 is transmitted to the CPU 104 of the server 101. Then, the CPU 104 of the server 101 stores the loan balance 204 in the repayment target loan transaction related to the current repayment fulfillment in the customer data file 109 (in this embodiment, the loan transaction in which the customer number 201 shown in FIG. 2 is “1234567”). The record is updated by reducing the repayment amount specified by the repayment amount information (in this case, 5,000 yen).

  Returning to the step S15, if the repayment amount is 25,000 yen, for example, and is equal to or more than the amount of the contractual repayment amount 205 (that is, the determination result in step S15 is affirmative determination) The CPU 104 of 101 transmits screen display information for displaying a screen display as shown in FIG. 7 on the operation screen 108. Then, according to this screen display information, an explanation display 32 of the type of repayment method in the specific loan transaction is displayed on the operation screen 108 of the terminal (ATM) 102. When the customer who sees the explanation display 32 confirms the repayment method and inputs a touch operation on the confirmation button 33 displayed on the lower right of the operation screen 108, the terminal (ATM) 102 confirms the type of repayment method. The information is transmitted to the CPU 104 of the server 101, and the CPU 104 of the server 101 proceeds to the next step S17.

  Then, in step S <b> 17, the CPU 104 of the server 101 executes a contract repayment appropriate amount input process. That is, based on the reception of the repayment method type explanation confirmation information, first, the CPU 104 of the server 101 displays screen display information for causing the terminal (ATM) 102 side to output and display a screen display as shown in FIG. Send. Then, on the operation screen 108 of the terminal (ATM) 102, a breakdown of the amount to be paid for the scheduled repayment (the amount to be paid for the scheduled repayment) and the amount to be paid for the repayment at any time (the amount to be paid for the repayment at any time). A repayment breakdown designation display 34 and a numerical value input button 35 are displayed. In FIG. 8, the contract repayment appropriate amount column is displayed as “monthly repayment amount”, and the repayment appropriate amount column is displayed as “optional repayment amount” as needed. Also, in the display area of the repayment breakdown designation display 34, there is an appropriate repayment count designation frame 34a for inputting a numerical value of the repayment count to be multiplied by the amount of the promised repayment amount 205 ("10,000 yen" in FIG. 8). It is displayed superimposed.

  When the customer who sees this screen display specifies the desired repayment count by touch operation input of the numerical value input button 35 on the terminal (ATM) 102 side, the input repayment count is displayed on the repayment breakdown designation display 34. It is displayed in the allocation repayment count designation frame 34a. Figure 8 shows that if the repayment amount this time the customer wants to repay is 25,000 yen (see Figure 5), 20,000 yen will be paid twice for the repayment amount (25,000 yen). An example of inputting the number of repayments in the case where a designation input for appropriating the contract repayment is performed is shown. Then, the promised repayment amount information for designating the amount (10,000 yen × 2 times = 20,000 yen) to be paid for the promised repayment determined based on the designation input of the number of repayments in the appropriated repayment number designation frame 34a. ) Is transmitted from the 102 side to the CPU 104 of the server 101.

  Then, the CPU 104 of the server 101 temporarily stores the amount designated by the information (that is, the agreed repayment appropriation amount of 20,000 yen) in the RAM 106 in step S14 based on the reception of the appropriation repayment appropriation amount information. It is determined whether or not the amount is less than or equal to the amount specified by the repayment amount information (that is, 25,000 yen as the repayment amount). When the determination result is negative (for example, when the input value of the number of repayments is “3”), the screen display shown in FIG. 8 is input to the terminal (ATM) 102 side. The screen display information for redisplaying the previous state is transmitted, and the customer is prompted to re-enter the repayment count. Then, the promised repayment amount information associated with the re-input is retransmitted from the terminal (ATM) 102 side to the CPU 104 of the server 101, and a similar determination process is performed.

  On the other hand, as in the case of the present embodiment, when the promised repayment amount (20,000 yen) specified by the promised repayment amount information is less than the amount (25,000 yen) specified by the repayment amount information. The determination result is affirmative. Then, the CPU 104 of the server 101 divides the contract repayment amount (20,000 yen) by the amount of the contract repayment amount 205 (10,000 yen) (in this case, “2. 0 ”), a positive integer value n (in this case,“ 2 ”) obtained by rounding down the decimal point is temporarily stored in the RAM 106. Further, the CPU 104 of the server 101 repays the difference (5,000 yen in this case) between the repayment amount (25,000 yen) specified by the repayment amount information and the promised repayment amount (20,000 yen) as needed. The appropriate amount is obtained and temporarily stored in the RAM 106.

  Then, the CPU 104 of the server 101 causes the terminal (ATM) 102 side to output and display the repayment appropriate amount (5,000 yen) in the repayment appropriate amount column of the repayment breakdown designation display 34 on the operation screen 108. Send display information. Then, a screen display as shown in FIG. 8 is made on the operation screen 108 of the terminal (ATM) 102. When the customer who sees the screen display inputs a touch operation on the procedure cancel button 36, the procedure cancel-related processing described above is performed on the server 101 side and the terminal 102 side, respectively. On the other hand, when the confirmation button 37 displayed on the lower right of the operation screen 108 is touch-input, repayment breakdown designation completion information is transmitted from the terminal (ATM) 102 side to the CPU 104 of the server 101.

Then, based on the receipt of the repayment breakdown designation completion information, the CPU 104 of the server 101 uses the contract repayment period in which it is determined in step S18 that the contract repayment has been fulfilled by being applied with the contract repayment appropriation amount (20,000 yen). Determine a certain due date. Specifically, the value of “the positive integer value n (in this case,“ 2 ”) − 1” (in this case “ 1 ”) is added to determine the due date for repayment, and the determination result is temporarily stored in the RAM. Next, in the next step S19, the CPU 104 of the server 101 transmits screen display information for outputting a screen display as shown in FIG. 9 on the operation screen 108 to the terminal (ATM) 102 side. (In FIG. 9, the contracted repayment amount is displayed as “monthly repayment”, and the repayment amount is displayed as “optional repayment”.)
Then, on the operation screen 108 of the terminal (ATM) 102, an appropriation breakdown confirmation display 38 for requesting confirmation of the repayment breakdown designated in step S17 and the appropriation repayment term determined in step S18 is displayed. . That is, a notification step is executed. In the case of the present embodiment in which the repayment amount is twice for the monthly repayment, a display indicating that the repayment up to the next month is appropriated in the screen display of FIG. When the customer who sees the appropriation breakdown confirmation display 38 performs a touch operation input of the procedure cancel button 39 displayed on the upper right of the operation screen 108 for the reason of changing the repayment amount, for example, the procedure cancellation related processing described above is performed. Are respectively performed on the server 101 side and the terminal 102 side. On the other hand, when the customer who sees the appropriation breakdown confirmation display 38 confirms the display contents and touches the confirmation button 40 displayed at the lower right of the operation screen 108, the confirmation is performed from the terminal (ATM) 102 side. The appropriation breakdown amount confirmation information by the touch operation input of the button 40 is transmitted to the CPU 104 of the server 101.

  Then, based on the receipt of the appropriation breakdown amount confirmation information, the CPU 104 of the server 101, in the next step S20, stores various information (payment amount information, positive integer value n, appropriation promise repayment period) temporarily stored in the RAM 106. The update step is executed based on the information on the determination result. That is, the positive integer value n is added to the frequency value of the promised repayment fulfillment count 207 recorded in the customer data file 109 shown in FIG. In other words, the promised repayment performance count 207 is increased by the number of promised repayments including the current month that can be used with the promised repayment amount. Further, the repayment amount (20,000 yen) corresponding to the repayment amount information is subtracted from the loan balance 204 recorded in the customer data file 109. In addition, “1” is added to the count value of the required contracted repayment count 206 recorded in the customer data file 109, and the repayment date 208 is rewritten with the procedure date related to the current repayment.

  On the other hand, the CPU 104 of the server 101 receives control information for discharging the customer recognition medium (card or the like) already inserted based on the touch operation input of the confirmation button 40 in step 19 by the customer (terminal ( ATM) 102 side. At the same time, the terminal (ATM) 102 is transmitted to the terminal (ATM) 102 side information for outputting a transaction statement that describes the loan balance, the repayment amount, the promised repayment amount, and the appropriatement repayment period (also notification here) Step is executed). Then, the CPU 104 of the server 101 terminates a series of control processing routines for managing the scheduled repayment in the loan transaction in which no repayment payout account is set by the output of the transaction statement.

  Next, in the contracted repayment management system of the present embodiment configured as described above, how to determine whether or not there is arrears will be described below with reference to FIGS.

  As described above, the CPU 104 of the server 101 receives the repayment consultation information (payment consultation information) to the appropriation breakdown amount confirmation information in the repayment procedure processing of the loan transaction in which no repayment payment account is set. Through various steps, the various loan transaction information recorded in the customer data file 109 shown in FIG. 2 is updated. Here, the record information of the customer data file 109 includes the promised repayment fulfillment count 207, and the necessary promised repayment count 206 of the loan transaction at the time of receiving the repayment consultation information is also recorded. Therefore, based on the recorded information content of the customer data file 109, if the number of promised repayments 207 is greater than or equal to the required number of promised repayments 206, the loan transaction can be determined not to be overdue, and the promised repayment has been completed. If the number of times 207 is less than the required number of scheduled repayments 206, it can be determined that the loan transaction is in arrears.

  Now, for example, when a customer with a customer name 202 of “Gifu Ichiro” contracts for a loan transaction in which a loan amount is 500,000 yen and a repayment account for payment of 10,000 yen per month is not set, the customer data file 109 In FIG. 10, the loan transaction information of the initial setting contents shown in FIG. 10 is recorded. When the repayment amount of 20,000 yen is designated as the full commitment repayment amount in the first contract repayment period after the contract, the CPU 104 of the server 101 executes the promised repayment times of the customer data file 109 as shown in FIG. 207 is updated twice. On the other hand, the required contract repayment count 206 in the first contract repayment period after the contract is updated to one.

  If the next (second time) contract repayment period after the contract has arrived and repayment has not been performed this time, as shown in FIG. On the other hand, the required contracted repayment count 206 in the next (second) contracted repayment period is added once to be 2 times. In this case, the promised repayment fulfillment count 207 in the next (second) promised repayment period is the same value as the required promised repayment count 206 and is equal to or greater than the required promised repayment count 206. "Ichiro" is determined not to be overdue.

  On the other hand, for example, when the repayment amount in the first contract repayment period after the contract is 10,000 yen and the appropriation repayment amount is 10,000 yen, as shown in FIG. The repayment fulfillment count 207 is updated to 1 time. Then, if the repayment is not performed this time in the next (second time) contract repayment period, the contract repayment execution count 207 of the customer data file 109 remains one as shown in FIG. The required contracted repayment count 206 in the next (second) contracted repayment period is two. In this case, the “Gifu Ichiro” is in arrears state because the number 207 of fulfilled repayments in the next scheduled repayment period is less than the required number of scheduled repayments 206 in the next (second) scheduled repayment period. It is judged.

Therefore, according to the above embodiment, the following effects can be obtained.
(1) In a loan transaction that does not set up a repayment payment account, regardless of whether the scheduled repayment date has arrived, the repayment amount appropriated for several scheduled repayments is determined to be fulfilled promised repayment. It is possible to determine whether the bank is in arrears based on the size of the repayment count 206 and the promised repayment execution count 207. As a result, the obligor will complete several scheduled repayments in advance and will not be treated as delinquent even if the repayment is not performed. For example, if a customer repays two contracted amounts at a time and designates it as an amount appropriated for the two contracted repayments, the customer is not required to perform repayment in the next scheduled repayment period. As a result, for example, if you are not in a place where repayment is possible at the scheduled repayment time due to going overseas for several months, or if there is no regular income, the debtor will prepay for several scheduled repayments at the scheduled repayment time. By doing so, the regular repayment for that number of times will be exempted, and overdue can be avoided. Therefore, it is possible to exempt the debtor from periodic repayment in a loan transaction that applies contract repayment and does not set up a repayment payout account, thereby making it possible to perform convenient contract repayment.

  (2) If the amount is less than the promised repayment amount 205 for one time, it is determined that the amount is appropriated for repayment as needed, and the appropriated repayment amount is subtracted from the loan balance 204 to obtain the customer data file 109 Update processing of loan transaction information in As a result, the customer can use the retained funds for repayment regardless of the promised repayment amount, and the interest on the loan can be reduced.

  (3) By specifying the repayment count in the appropriate repayment count designation frame 34a of the repayment breakdown designation display 34, the customer can specify the funds prepared as the repayment amount to be distributed between the promised repayment amount and the repayment amount as needed. The repayment content can be changed arbitrarily.

  (4) If the commitment repayment amount is more than twice the amount of the promised repayment amount 205, the positive value obtained by rounding down the fractional value obtained by dividing the commitment repayment amount by the amount of the promised repayment amount 205 After obtaining the integer value n, the number of months corresponding to the value obtained by subtracting 1 from the positive integer value n is added to the year and month to which the procedure date pertaining to the current repayment belongs, so as to determine the appropriate commitment repayment period I made it. For this reason, when an amount to be used for the scheduled repayment is specified from among the repayment amounts, an appropriated scheduled repayment period to be processed as the fulfilled promised repayment period can be automatically obtained.

  (5) By outputting the information related to the appropriated scheduled repayment period on the operation screen 108 on the terminal 102 or on the transaction statement in a notification form, the customer confirms the fulfilled scheduled repayment period, and the next scheduled repayment period Can tell the time accurately.

The present embodiment may be changed to another embodiment (another example) as follows.
In the above-described embodiment, the case where the terminal 102 operated by the customer is an ATM is exemplified. However, the terminal 102 may be embodied in a CD (Cash Dispenser).

  In the above-described embodiment, the information transmitted based on the touch operation input of the deposit button 21 displayed on the operation screen 108 of the terminal 102 is the repayment consultation information (payment consultation information). A button with a name suggesting repayment or the like may be displayed, and information transmitted based on a touch operation input of the button may be used as repayment consultation information.

  In the above embodiment, instead of inputting the repayment count in the repayment count designation frame 34a on the repayment breakdown designation display 34 of the operation screen 108 shown in FIG. You may make it carry out designation input by input. In this case, the CPU 104 of the server 101 or the CPU 107 of the terminal 102 divides the designated and paid contract repayment appropriate amount by the amount of the contract repayment amount 205 once, so that the number of repayments may be obtained.

  In the above-described embodiment, the customer determines the amount to be used for the scheduled repayment out of the entire repayment amount this time by designating and inputting the number of repayments on the operation screen 108 of the terminal 102. May be. That is, based on the repayment amount information, the CPU 104 of the server 101 or the CPU 107 of the terminal 102 may be configured such that the total amount of contract repayments for the number of repayments that can be made with the repayment amount can be determined as the contract repayment amount. In this case, the CPU 104 of the server 101 obtains a positive integer value n obtained by dividing the repayment amount by the promised repayment amount of one portion 205 and rounded off the decimal point, and the obtained positive integer value n Thus, the update step is executed by adding the promised repayment fulfillment count 207 recorded in the customer data file 109.

  In the above-described embodiment, the repayment amount is determined from the repayment amount, and then the difference between the repayment amount and the repayment amount is determined as the repayment amount as needed. However, conversely, after an appropriate repayment amount is designated and determined on the operation screen 108 of the terminal 102, the contract repayment amount (and the number of repayments) is calculated based on the difference between the repayment amount and the repayment amount. May be determined.

  In the embodiment, the notification step (step S19) is not necessarily required.

The schematic block diagram of the computer system of this embodiment. The block diagram of a customer data file. The control processing flowchart which CPU of a server performs. The display content explanatory drawing of the operation screen on the terminal side. The display content explanatory drawing of the operation screen on the terminal side. The display content explanatory drawing of the operation screen on the terminal side. The display content explanatory drawing of the operation screen on the terminal side. The display content explanatory drawing of the operation screen on the terminal side. The display content explanatory drawing of the operation screen on the terminal side. The block diagram of a customer data file. The block diagram of a customer data file. The block diagram of a customer data file. The block diagram of a customer data file. The block diagram of a customer data file.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 100 ... Computer system, 101 ... Server, 102 ... Terminal, 106 ... RAM (memory | storage means), 109 ... Customer data file, 204 ... Loan balance, 205 ... One contracted repayment amount, 207 ... The number of promised repayment completion.

Claims (5)

A promised repayment management system that manages the history of promised repayments of loan transactions by sending and receiving various types of information between the server and the terminal using a computer system in which the server and the terminal are connected so that information communication is possible. In
Based on the reception of transaction specifying information specifying a loan transaction related to loan repayment transmitted from the terminal side, the server updates the loan transaction information related to the loan transaction specified by the transaction specifying information. An information collecting step of collecting from a customer data file recorded as possible and storing it in a predetermined storage means;
Based on the receipt of the repayment amount information specifying the repayment amount related to the repayment transmitted from the terminal side, the server stores the repayment amount information in a predetermined storage means,
Based on the repayment amount information and the loan transaction information stored in the storage means, the server determines whether the repayment amount specified by the repayment amount information is equal to or more than one contracted repayment amount included in the loan transaction information If the result of the determination is affirmative, a positive integer value n obtained by rounding off the decimal point in the multiple value obtained when the repayment amount is divided by the contracted repayment amount once is stored in a predetermined manner. A determination step for storing in the means;
When the determination result in the determination step is affirmative determination, the server uses the positive integer value n stored in the storage means as the number of times of execution of the promised repayment included in the record information of the customer data file. An update step of adding the numerical value and subtracting the repayment amount specified by the repayment amount information from the loan balance included in the recording information of the customer data file to update the recording information of the customer data file; Provided repayment management system. When the determination result is a negative determination in the determination step, the server determines that the repayment amount specified by the repayment amount information is an amount appropriated for repayment as needed, and in the update step, the repayment amount is The contract repayment management system according to claim 1, wherein the record information of the customer data file is updated by subtracting from the loan balance included in the record information of the customer data file. When the server receives contract repayment amount information specifying the amount to be allocated to the contract repayment from the repayment amount transmitted from the terminal side, the server is designated by the repayment amount information in the determination step. Instead of the repayment amount to be paid, a positive integer value n obtained by rounding down the decimal point in the multiple value obtained by dividing the amount specified by the promised repayment amount information by one payment amount is stored in the storage means. In the update step, the positive integer value n is added to the value of the number of fulfillment times of promised repayment included in the record information of the customer data file, and the repayment specified by the repayment amount information 2. The record information in the customer data file is updated by subtracting the amount from the loan balance included in the record information in the customer data file. Repayment management system according to claim 2. In the determination step, the server adds a number of months corresponding to the value of the positive integer value n-1 to the year and month to which the procedure date related to the repayment belongs, thereby determining that the contract repayment has been executed. The promised repayment management system according to any one of claims 1 to 3, wherein an appropriate promised repayment term that is a repayment term is determined. The contract according to any one of claims 1 to 4, further comprising a notifying step in which the server outputs the updated content of the record information of the customer data file in the updating step to the terminal side in a notifying manner. Repayment management system.

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