JP2009294884A - Financing system for settlement and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve the convenience of a customer by further additional financing regardless of a predetermined lending upper limit sum by examining the latest halfway credit of a customer when a balance insufficiency is generated. <P>SOLUTION: This financing system for settlement includes: a first insufficient sum comparison means 14 for receiving the balance insufficiency information of an account for settlement from a bank server 20, and for comparing the available sum of the customer with an insufficient sum; a halfway credit examination means 15 for, when it is decided that the available sum is less than an insufficient sum by the first insufficient sum comparison means 14, examining the halfway credit using the latest customer information at the current point of time of the customer, and for searching an additional financing sum; and a second insufficient sum comparison means 16 for comparing the latest available sum including the additional financing sum to be obtained by the halfway credit examination means 15 with the insufficient sum. Thus, it is possible to achieve further additional financing by the halfway crediting, and to more reduce such circumstances that settlement becomes impossible due to the insufficiency of a balance than a conventional manner, and to improve the convenience of the customer. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a settlement financing system and a computer program for performing financing of a customer settlement account as needed when the amount withdrawn from the customer settlement account is less than the account balance.

When credit cards are used when purchasing products, etc., financial institutions such as banks, based on requests from storage agencies such as credit sales companies, for repayment of various loans such as mortgages and payment of utility charges, Payments are made by deducting those expenses from the customer's account. In such a case, it is sufficient if the customer's account balance is equal to or greater than the amount necessary for withdrawal, but if the balance is insufficient, the necessary expenses cannot be withdrawn. If payment is not possible due to a shortage of balance, the customer is notified of this. In order to avoid such inconveniences, Patent Document 1 and Patent Document 2 propose a mechanism for receiving a loan at a necessary cost from a money lender when the balance is insufficient.
JP 2003-157363 A JP 2004-78474 A

  Patent Document 1 simply describes that a loan is received from a money lender in the case of a shortage of balance and the settlement is performed, and the specific contents regarding under what conditions the loan is executed from the money lender Is not mentioned. On the other hand, Patent Document 2 describes that when a balance is insufficient, a loan is provided within a predetermined loan upper limit between a money lender and a customer to solve the shortage. However, after reaching the lending limit, lending is impossible, and in that case, the shortage of balance cannot be resolved.

  The present invention has been made in view of the above, and by examining the customer's latest credit at the time of a shortage of balance, it is possible to make further additional loans regardless of a predetermined loan upper limit. It is an object of the present invention to provide a settlement financing system and a computer program for customer convenience. In addition, an object of the present invention is to provide a settlement financing system and a computer program that can prevent an unnecessarily increase in a loan amount while preventing a delay in settlement processing due to a shortage of balance.

In order to solve the above problems, the present invention according to claim 1 is a settlement financing system connected via a communication line to a management computer of a financial institution that manages a settlement account of a customer,
Information transmitting / receiving means for receiving balance shortage information of the settlement account from a management computer of the financial institution;
When the information transmission / reception means receives balance shortage information, the customer information reference means for accessing the customer database and inquiring customer information including at least a loan upper limit and an available amount;
A first deficient amount comparing means for comparing the available amount obtained by the customer information inquiry means with a deficient amount included in the balance shortage information received by the information transmitting / receiving means;
In the case where the first shortage amount comparison unit determines that the available amount is less than the shortage amount, the halfway credit using the latest customer information of the customer at the present time is examined to obtain an additional loanable amount. Screening means,
A second shortage amount comparing means for comparing the shortage amount with the latest available amount including the additional loan possible amount obtained by the developing credit examination means;
At least when the first available amount comparison means determines that the available amount is equal to or greater than the insufficient amount, or when the second available amount comparison means determines that the latest available amount is equal to or greater than the insufficient amount, at least There is provided a settlement loan system comprising a deficiency appropriation processing means for performing a process of appropriating an amount corresponding to the deficit amount to the customer's account.
In the present invention according to claim 2, a loan history is recorded as customer information in the customer database,
The payment credit system according to claim 1, wherein the halfway credit examination unit is configured to perform halfway credit examination with reference to customer information including the loan history.
In the present invention according to claim 3, when the customer is a specific member, an available limit determined by an amount less than the loan upper limit is set as customer information recorded in the customer database. The settlement financing system according to claim 1 or 2, wherein the settlement financing system is provided.
In the present invention according to claim 4, the first shortage amount comparison means is short as the available amount when the customer is a normal member other than the specific member as a difference between the loan upper limit and the existing loan amount. Compared to the forehead,
When the customer is the specific member, the difference between the available limit amount and the existing loan amount is a means for comparing the shortage amount as the available amount with the shortage amount. Provide the settlement financing system described.
In the present invention as set forth in claim 5, when the customer who is subject to the screening of the developing credit is a normal member other than the specific member, the developing credit reviewing means A first developing credit screening means for obtaining a difference from a loan upper limit before developing credit as the additional lending possible amount;
If the customer subject to review of the above credit is the specific member, the latest available limit determined by the amount less than the latest loan limit newly set by the mid credit and the availability before the mid credit 5. The settlement financing system according to claim 1, further comprising: a second credit examination unit that calculates a difference from a limit amount as the additional loanable amount.
6. The invention according to claim 6, wherein the second credit review means changes the calculation criteria for the additional loan possible amount depending on whether the item to be settled is a public fee or not. Provide the settlement financing system described.
According to the seventh aspect of the present invention, when the item to be settled is a public bill, the customer database includes the latest available limit obtained by the second credit review means as the next available limit. If the customer's information is updated and the payment target item is other than the utility bill, either the latest available limit amount obtained by the second in-progress credit review means or the previous available limit amount 7. A settlement financing system according to claim 5 or 6, further comprising customer information updating means for updating customer information in the customer database with the lower one as the next available limit.
In the present invention described in claim 8, a computer program installed in a settlement financing system connected via a communication line with a management computer of a financial institution having a customer settlement account,
Information transmitting / receiving means for receiving balance shortage information of the settlement account from a management computer of the financial institution;
When the information transmission / reception means receives balance shortage information, the customer information reference means for accessing the customer database and inquiring customer information including at least a loan upper limit and an available amount;
A first deficient amount comparing means for comparing the available amount obtained by the customer information inquiry means with a deficient amount included in the balance shortage information received by the information transmitting / receiving means;
In the case where the first shortage amount comparison unit determines that the available amount is less than the shortage amount, the halfway credit using the latest customer information of the customer at the present time is examined to obtain an additional loanable amount. Screening means,
A second shortage amount comparing means for comparing the shortage amount with the latest available amount including the additional loan possible amount obtained by the developing credit examination means;
At least when the first available amount comparison means determines that the available amount is equal to or greater than the insufficient amount, or when the second available amount comparison means determines that the latest available amount is equal to or greater than the insufficient amount, at least A computer program comprising: a deficiency appropriation processing means for performing a process of appropriating an amount corresponding to the deficit amount to the account of the customer is provided.
In the present invention according to claim 9, a loan history is recorded as customer information in the customer database,
9. The computer program according to claim 8, wherein the halfway credit examination unit is configured to perform halfway credit examination with reference to customer information including the loan history.
In the present invention described in claim 10, when the customer is a specific member, an available limit determined by an amount less than the loan upper limit is set as customer information recorded in the customer database. ,
When the customer is a normal member other than the specific member, the first shortage comparison means compares the difference between the loan upper limit and the existing loan amount as the available amount with the shortage amount,
10. The computer program according to claim 8, wherein, when the customer is the specific member, the computer program according to claim 8, wherein the computer program is a means for comparing a difference between the available limit amount and an existing loan amount as the available amount with a shortage amount. provide.
In the present invention as set forth in claim 11, when the customer who is subject to the screening of the developing credit is a normal member other than the specific member, the developing credit reviewing means A first developing credit screening means for obtaining a difference from a loan upper limit before developing credit as the additional lending possible amount;
If the customer subject to review of the above credit is the specific member, the latest available limit determined by the amount less than the latest loan limit newly set by the mid credit and the availability before the mid credit 11. The computer program according to claim 8, further comprising a second credit examination unit that calculates a difference from a limit amount as the additional loanable amount.
The invention according to claim 12 is characterized in that the second credit examination means changes the calculation criteria for the additional loan possible amount depending on whether or not the item to be settled is a public fee. A computer program as described is provided.
In the present invention according to claim 13, when the payment target item is a public bill, the customer database is set with the latest available limit obtained by the second credit review means as the next available limit. If the customer's information is updated and the payment target item is other than the utility bill, either the latest available limit amount obtained by the second in-progress credit review means or the previous available limit amount 13. The computer program according to claim 11 or 12, further comprising customer information updating means for updating customer information in the customer database with a lower one as a usable limit amount after the next time.

  The present invention includes first shortage amount comparison means for receiving balance shortage information of a settlement account from a management computer of a financial institution that manages the settlement account of the customer and comparing the available amount of the customer with the shortage amount. At the same time, when the first shortage amount comparison means determines that the available amount is less than the shortage amount, the intermediate credit for examining additional credits using the latest customer information of the customer at present and obtaining additional loanable amounts Has examination means. Moreover, it has the 2nd shortage amount comparison means which compares the newest amount of money available including the additional loan possible amount obtained by the credit evaluation means on the way with the shortage amount. Therefore, further additional financing is possible due to the credit on the way, and the situation where settlement is impossible due to a shortage of balance can be reduced as compared with the conventional case, and the convenience of the customer can be achieved.

  In addition, the customer's available amount used in the first and second shortage comparison means is not the amount obtained by subtracting the existing loan amount from the loan upper limit amount, but the available limit amount less than the loan upper limit amount, depending on the customer's wishes. It is preferable to set it as the structure which calculates | requires and subtracts the amount of existing loans from this available limit amount. Then, in the case of a customer who does not set the above available limit, the developing credit screening means calculates the additional lending possible amount based on the latest lending limit newly set by the developing credit. In the case of a customer who has set an available limit, the additional loanable amount is calculated based on the latest available limit determined by the amount less than the latest loan limit newly set by the credit in progress. A configuration is preferable. By setting the available limit, the difference between the latest loan limit and the latest available limit is always the case even if the latest loan limit is increased due to the credit in progress. However, even if the customer's available amount becomes zero, it is actually less than the maximum loan amount, and it is possible to prevent the situation where the customer falls into excessive borrowing. Contributes to safe transactions.

  Hereinafter, embodiments of the present invention will be described in more detail with reference to the drawings. FIG. 1 is a diagram showing a schematic configuration of a settlement financing system 10 according to an embodiment of the present invention. The settlement loan system 10 is composed of a computer having a control unit 10a such as a CPU, and is installed in a financial institution such as a money lender that performs a loan, and manages a customer settlement account (mainly a bank). ) Management computer (hereinafter referred to as “bank server”) 20 via a communication line to exchange information.

  The bank server 20 is transmitted from the settlement financing system 10 and the storage requesting institution computer 30 via the control unit 21 and the information transmitting / receiving means 22 for exchanging information with the storage requesting institution computer 30 and the storage requesting institution computer 30. Computer programs such as a transfer execution means 23 for debiting the transfer amount from the customer settlement account and a transfer result output means 24 for outputting a transfer result by the transfer execution means 23 are set. These functions are normally set in the bank server 20 that withdraws from the settlement account. If the debit cannot be made by the transfer executing means 23 due to a shortage of balance, information to that effect is displayed in the transfer result. It is output by the output means 24, and the information is usually only reported to the storage requesting organization. However, in the present embodiment, information indicating that the transfer result output means 24 could not be deducted, that is, balance shortage information indicating that the account balance of the settlement account was insufficient is sent via the information transmission / reception means 22. It is configured to be transmitted to the loan system 10 for use.

  The storage unit of the computer constituting the settlement loan system 10 includes an information transmission / reception unit 11, a customer information inquiry unit 12, a specific member determination unit 13, a first shortage comparison unit 14, an on-going credit screening unit 15, a second Computer programs such as a shortage amount comparison unit 16, a shortage amount appropriation processing unit 17, and a customer information update unit 18 are installed. A customer database (customer DB) 19 in which customer information is recorded is provided. As shown in FIG. 2, the customer information registered in the customer database 19 includes customer attribute information such as age, gender, occupation, annual income, etc., as well as a loan upper limit, usable upper limit, usable amount, and loan history. The loan related information such as is stored. The computer program can be provided by being stored in a recording medium such as a flexible disk, a hard disk, a CD-ROM, an MO (magneto-optical disk), a DVD-ROM, or can be transmitted through a communication line. .

  The information transmission / reception means 11 transmits / receives information between the bank server 20 and the customer terminal 40. From the bank server 20, the above shortage balance information and the withdrawal result are received, the information obtained from the bank server 20 is transferred to the customer terminal 40, and information such as whether to perform credit on the way is provided. Interact. The customer terminal 40 may be a mobile terminal 41 such as a mobile phone, or a personal computer 42 or the like.

  When the information shortage information is received by the information transmission / reception means 11, the customer information inquiry means 12 accesses the customer database 19 and inquires customer information. In addition to the attribute information, the customer information to be inquired is loan-related information including at least a loan upper limit and an available amount. However, in the case of a specific member that is a target of the second on-going credit screening means 152 described later, As related information, the available limit is also inquired.

  Here, the “loan limit amount” is an amount of money that can be lent determined by a credit examination performed at the time of membership between a financial institution such as a money lender operating the settlement loan system 10 of the present embodiment and a customer. It is an upper limit. As will be described later, in the case where the credit on credit is determined by the credit credit screening means 15 after joining, the upper limit of the lent amount determined by the latest credit is recorded as the loan upper limit. “Available amount” refers to the amount of unused portion obtained by subtracting the amount of existing loan from the loan upper limit. “Usable limit” is applied to a specific member who is the target of the second mid-term credit screening means 152 described later, and is set as a substantive upper limit of the amount that can be lent to the customer, which is set to be less than the maximum loan limit A functioning amount. The upper limit of the loanable amount is essentially the above loan upper limit, but in the case of a specific member, the usable upper limit lower than the upper limit of the loan is the upper limit of the actual loanable amount. Is. As a result, the amount of difference between the maximum loan amount and the maximum available amount can always be secured unfunded funds, the effect of suppressing excessive borrowing of customers can be expected, and unfunded funds can be used as necessary The customer's convenience can be achieved quickly.

  Whether or not to become a specific member who sets the available limit amount can be set by transmitting information for applying to the settlement loan system 10 by the customer. In FIG. 2, “Patent Taro” and “Trademark Jiro” are specific members, and “Design Hanako” is a normal member. Further, in consideration of customer attributes and the like, it is also possible for the financial institution side such as a money lender operating and managing the settlement loan system 10 to set it uniquely in order to prevent over borrowing. The available limit may be less than the loan upper limit as described above, and can be set to 90% and 80% of the loan upper limit, for example.

  The first shortage amount comparison means 14 compares the shortage amount included in the balance shortage information received by the information transmitting / receiving means 11 with the available amount obtained by the customer information inquiry means 12 and applies the available amount. It is determined whether or not the shortage amount can be resolved by this, that is, whether or not the available amount is less than the shortage amount. As described above, the available amount to be compared with the shortage amount is the difference between the maximum loan amount and the existing loan amount when the customer is a regular member other than the specific member. In some cases, it is the difference between the available limit and the existing loan amount. For this reason, the computer program of this embodiment is also set with specific member determination means 13 for determining whether or not the user is a specific member from the customer information obtained by the customer information inquiry means 12.

  The credit credit review unit 15 operates when the first shortage amount comparison unit 14 determines that the available amount is less than the shortage amount, and examines the midstream credit using the latest customer information of the customer at the present time. Ask for additional financing.

  In the present embodiment, a first half credit review unit 151 and a second half credit review unit 152 are set as the half credit review unit 15. The first on-going credit screening means 151 is executed when the customer is a normal member other than the specific member. In the first developing credit examination means 151, the lending upper limit is newly determined by performing the developing credit. Therefore, the first developing credit examination means 151 obtains the difference between the newly obtained latest lending upper limit and the lending upper limit before the entrusting credit as an additional lending possible amount. If the latest lending ceiling amount exceeds the lending ceiling amount set before the mid-term credit, an additional lending amount can be obtained. However, if the latest lending limit amount obtained by developing credits is less than or equal to the lending limit amount set before developing credits, it is a matter of course that no additional lending amount can be obtained.

  In making the credit on the way, the customer information (attribute information, loan related information) obtained by the customer information inquiry means 12 is used. In particular, the loan history in the loan related information is referred to. The loan history is a situation in which the customer has been financed by the settlement loan system 10 of the present embodiment (transfer date, shortage, additional loan amount, etc.), for example, when the number of transfers is frequent If the amount of additional loan is large, it will be judged according to stricter standards. It is possible to obtain credit institution information (new borrowing information from other financial institutions, etc.) when conducting credit on the way. Of course, in this case, this credit institution information is also taken into account. Done.

  The second halfway credit examination means 152 is executed when the customer is the specific member. First, the second credit review means 152 also examines using the latest customer information including the loan history, and similarly obtains a new loan upper limit in the same way as the first credit review means 151. Then, the second credit review means 152 obtains the usable limit amount from the new loan upper limit amount, and sets the difference between the new usable limit amount and the usable limit amount before the past credit as the additional loan possible amount. Ask.

  As shown in FIG. 3, in the case of a normal member, for example, the maximum loan amount before development credit is 200,000 yen, and the first maximum credit screening means 151 calculates a maximum loan amount of 220,000 yen. In this case, the additional loan possible amount is calculated as 20,000 yen (220,000 yen-200,000 yen).

  On the other hand, in the case of a specific member, assuming that the maximum loan amount before development credit is 200,000 yen and the maximum available amount is 180,000 yen, 90% of the maximum loan amount, the second credit examination means 152 If the newly calculated upper limit of loans is 220,000, 90% of that amount is 198,000 yen, which becomes the new available limit. Then, 18,000 yen (198,000 yen-180,000 yen) is an additional loan possible amount (corresponding to the case other than the utility bill in FIG. 3).

  However, since the additional creditable amount calculated by the second credit review means 152 is an available limit set below the upper limit of the loan, even if the entire available limit is financed, the upper limit of the loan There is room for the difference. Therefore, the second credit review means 152 does not always obtain a constant rate as described above, but uses this margin to calculate according to the settlement target item that is the cause of the shortage of balance. It is also possible to vary the calculation criteria for the amount of additional financing available. For example, when the payment target item is a public bill payment, since it is a necessary cost for daily life, it is conceivable to perform an examination so as to increase the usable limit. On the other hand, if the item to be settled is other than the payment of utility bills, for example, if it is expenses for eating and drinking at leisure, restaurants, etc., it is difficult to say that it is a necessary expense for daily life, so the amount of borrowing increases In order to prevent this, it is possible not to increase the available limit.

  For example, as shown in FIG. 3, in the case of paying public utility charges, 95% of the maximum loan amount of 220,000 yen newly calculated by the second developing credit screening means 152 is set as a new usable limit amount. Ask. In this case, it will be 200,000 yen. In this case, the additional loan possible amount is 29,000 yen (209,000 yen-180,000 yen), which is higher than the above 18,000 yen. In cases other than utility charges, for example, the initial set value of 90% is adopted, 198,000 yen is calculated according to the above principle, and the additional loan amount is calculated as 18,000 yen.

  The second shortage amount comparison unit 16 compares the latest available amount including the additional loan available amount obtained by the first halfway credit examination unit 151 or the second halfway credit examination unit 152 with the shortage amount. For example, if the shortage amount is 20,000 yen and the available amount before the credit in progress is 10,000 yen, in the above example, if the customer is a regular member, 20,000 yen is calculated by the first credit review means 151 in the above example. Because it is an additional loanable amount, 30,000 yen will be a new available amount. On the other hand, if you are a specific member and the purpose of loan is a utility bill, the shortage amount is 20,000 yen, and the available amount before the credit on the way is 10,000 yen. Since the entrusted credit screening means 152 makes 29,000 yen an additional loanable amount, 39,000 yen becomes a new available amount. In cases other than utility charges, 18,000 yen will be the additional loanable amount, so 28,000 yen will be the new available amount. The second shortage amount comparison means 16 determines whether or not the shortage amount can be resolved by applying the new available amount thus obtained, that is, whether or not the new available amount is less than the shortage amount. judge. In the above example, since the new available amount is 30,000 yen, 39,000 yen, or 28,000 yen, both are determined to be the deficient amount (20,000 yen) or more.

  In the above example, in the case of a specific member, if the item to be settled is a public fee, the amount of additional lending will always increase compared to the case other than the public fee. In the case where the amount exceeds a certain reference amount, it is preferable to apply a criterion that is applied in addition to the utility fee. For example, if 25,000 yen is set as the base amount and the shortage is 25,000 yen or more, regardless of whether the item to be settled is a public fee, it is uniformly Apply the criteria. As a result, in the above example, even if the payment target item is a public fee, if the shortage is 26,000 yen, which is more than the standard amount, the new available amount is not 39,000 yen. It is the same 28,000 yen as other cases. In addition, as described below, in cases other than utility bills, it may be possible to prevent the customer from over-borrowing by setting the usable limit back to the pre-development credit standard. Even in the case of public charges, if the amount exceeds the standard amount, it can be applied.

  The deficiency appropriation processing means 17 is used when the first deficiency comparison means 14 determines that the available amount is equal to or greater than the deficient amount, or the second available amount comparison means 16 indicates that the latest available amount is equal to or greater than the deficiency amount. If it is determined that, at least the amount corresponding to the shortage amount is applied to the customer's account. For example, when the shortage amount is 20,000 yen and the available amount is more than that amount, 20,000 yen corresponding to the shortage amount is appropriated, or an amount larger than that is appropriated. Whether the amount to be appropriated (hereinafter referred to as “appropriated amount”) is to be applied more than the shortage depends on the agreement between the customer and a financial institution such as a money lender operating and managing the settlement financing system 10, In order to give a margin to the settlement account, for example, it may be decided to apply a shortage plus 10%.

  The deficiency appropriation processing means 17 transfers the above appropriation amount directly to the bank server 20 when the available amount is obtained by the first deficiency comparison means 14 or the second deficiency comparison means 16. It may be a means for processing, or may be means for outputting instruction information to the bank server 20 to allow the above-mentioned appropriate amount to be rewritten by the bank or the like and applied to the customer settlement account.

  The customer information update means 18 can use the loan upper limit amount recorded in the customer database 19 when the latest credit upper limit amount is output by the credit review means 15 or when a loan is made to the customer. It is a program that performs processing for updating loan-related information such as limit amount, available amount, and loan history. As shown in FIG. 4, for example, when the first lending credit screening means 151 calculates a new maximum loan amount of 220,000 yen, the amount is registered and the appropriate amount (20,000 yen) ), The amount excluding the amount used is newly registered as an available amount (10,000 yen).

  Further, in the second developing credit screening means 152, the calculation standard of the additional loan possible amount is varied depending on whether or not the settlement target item is a public fee. That is, different additional loanable amounts are calculated by varying the rate applied to the loan upper limit in order to obtain the available limit. For this reason, the maximum loan amount is the same (220,000 yen in the above example), but the available limit is 209,000 yen in the above example when the payment target item is a public charge. In the case of other than utility charges, it will be 198,000 yen. Therefore, the customer information updating means 18 reflects these, and when the payment target item is a public charge, as shown in FIG. 4, a new loan upper limit of 220,000 yen and a new usable upper limit of 200,000 are provided. Register 9,000 yen and the available amount 19,000 yen. In cases other than public charges, a new maximum loan limit of 220,000 yen and a new usable upper limit of 198,000 yen may be registered. In cases other than the above, the conditions before the credit on the way are kept unchanged.

  That is, the increase in the usable limit as a result of the credit in progress by the second credit screening means 152 is based on the latest creditworthiness. There is also the potential to encourage consumption using additional borrowings from the customer. Therefore, in cases other than utility charges, even if the available limit increases to 198,000 yen as described above, this will be treated as temporary only to resolve this shortage, It is preferable that the lending upper limit amount and the usable upper limit amount applied thereafter are left unchanged at 200,000 yen and 180,000 yen before the credit on the way. As a result, if the repayment is not completed before the available amount becomes positive, the additional loan after the next time cannot be made, and the increase in borrowing by the customer can be suppressed. Even if the payment target item is a public bill, if it is a shortage amount exceeding the above-mentioned predetermined reference amount, it is preferably handled in the same manner.

  Note that, in the above example, 180,000 yen before the credit on the way is used as the maximum available amount that will be applied after the next time in cases other than public charges, but the second credit review means 152 As a result, when the amount after the credit on the way is lower, it is preferable to adopt the amount after the credit on the way. That is, it is preferable to register the lower amount of the available limit amount before and after the entrusted credit in the customer database 19 as the available limit amount applied after the next time.

  Further, in the second developing credit screening means 152, the additional creditable amount is calculated based on different standards depending on whether or not it is a utility bill. However, the same standard is used in the stage of the second developing credit screening means 152. It is possible to carry out a process of making a difference in the available limit amount applied after the next time only in the customer information update means 18. That is, in the screening stage of the second developing credit screening means 152, for example, 90% of the new loan upper limit is set as the usable limit, and in the above example, 198,000 yen in any case. Is also calculated as a new usable limit, while the customer information updating means 18 registers 198,000 for the utility charge when registering the usable limit applied after the next time. In the case of a target other than public utility charges, 180,000 yen before the credit on the way may be registered.

Next, the effect | action of this embodiment is demonstrated based on FIG.5 and FIG.6.
First, the storage requesting organization transmits information for requesting automatic transfer from the computer 30 to the bank server 20 (S101). When the bank server 20 receives the automatic transfer request information by the information transmission / reception means 22, the transfer execution means 23 executes the first withdrawal process from the customer settlement account on a predetermined date (S102). If the withdrawal was successful (“YES” in S103), the fact is notified to the computer 30 of the storage requesting organization (S130). When the withdrawal has failed (“NO” in S103), the shortage balance information is transmitted from the bank server 20 and received by the information transmitting / receiving unit 11 of the settlement financing system 10 (S104). When the information transmitting / receiving unit 11 receives the balance shortage information, the customer information updating unit 18 records the information in the customer database 19 as one piece of loan history information (S105).

  Next, shortage balance information is transmitted from the information transmission / reception means 11 of the settlement loan system 10 to the customer's terminal device 40, and inquiry information as to whether or not to approve the shortage amount is also transmitted for confirmation (S106). ). The customer returns information as to whether or not he / she wishes to allocate the shortage amount to the received inquiry information. When it is not desired to allocate the deficient amount (“NO” in S107), the fact is recorded in the customer database 19 as one piece of loan history information by the customer information updating means 18. When it is desired to allocate the deficient amount (“YES” in S107), the customer information inquiry unit 12 is activated.

  The customer information inquiry means 12 accesses the customer database 19 and reads the loan history information together with the attribute information (S108). These attribute information and loan history information are first transferred to the specific member determination means 13 set in the first shortage amount comparison means 14 to determine whether the customer is the specific member or the normal member (S109). .

  In the case of a normal member (“NO” in S109), the first shortage amount comparison unit 14 uses the available amount (difference between the loan upper limit and the existing loan amount) inquired by the customer information inquiry unit 12 and the shortage amount. (S110), and when the available amount is equal to or greater than the shortage amount, processing by the shortage amount allocation processing means 17 is executed (S127). Details of the processing of the shortage amount appropriation processing means 17 will be described later. In S110, when it is determined that the available amount is less than the shortage amount, the first credit review unit 151 executes the credit in progress (S111). At this time, as described above, the latest loan history is referred to, and as a result, a new loan upper limit is calculated, and the difference between the new loan upper limit and the loan upper limit before developing credits. The amount of additional financing available is calculated from (see Fig. 3). The new usable amount including the new lending upper limit and the additional lending possible amount is written and updated in the customer database 19 by the customer information updating means 18 (see S112, FIG. 4).

  Next, the second shortage amount comparison unit 16 compares the latest available amount including the above-mentioned additional loanable amount obtained by the first on-going credit examination unit 151 with the shortage amount (S113). As a result, when it is determined that the latest available amount is equal to or greater than the shortage amount, processing by the shortage amount allocation processing unit 17 is executed (S127). When it is determined that the latest available amount is less than the shortage amount, information indicating that the shortage amount cannot be allocated is notified to the customer terminal device 40 (S114).

  When it is determined that the specific member is a specific member, that is, when “YES” is determined in S109, the first shortage amount comparing unit 14 uses the available amount inquired by the customer information inquiry unit 12. The difference between the available limit amount and the existing loan amount is compared with the shortage amount (S120). If the available amount is equal to or greater than the shortage amount, processing by the shortage amount allocation processing unit 17 is executed (S127). If the available amount is less than the shortage amount, the second credit review means 152 implements the credit on the way (S121 to S124).

  At this time, as described above, it is carried out with reference to the latest loan history, etc., and as a result, a new loan ceiling amount and a new usable limit amount are calculated, and a new usable ceiling amount and an intermediate credit are calculated. The additional loan possible amount is determined from the difference from the previous available limit amount. The second credit review unit 152 determines whether or not the settlement target item is a public fee before that (S121). If the payment target item is a public charge, it is further determined whether or not the shortage amount is within a predetermined reference amount (S122). If it is within the reference amount, the calculation reference for the public charge is applied and added. A loanable amount is determined (S123, see FIG. 3). On the other hand, if it is determined in S121 that the item to be settled is other than a public fee, and even if it is a public fee, if it is determined in S122 that the deficient amount is greater than or equal to the reference amount, the calculation criteria for other than the public fee Is applied to obtain an additional loanable amount (S124, see FIG. 3). The new available amount including the new loan upper limit, the available limit, and the additional available loan amount is written and updated in the customer database 19 by the customer information updating means 18 (S125, see FIG. 4).

  Next, the second shortage amount comparison unit 16 compares the latest available amount including the above-mentioned additional loanable amount obtained by the second mid-term credit examination unit 152 with the shortage amount (S126). As a result, when it is determined that the latest available amount is equal to or greater than the shortage amount, processing by the shortage amount allocation processing unit 17 is executed (S127). When it is determined that the latest available amount is less than the shortage amount, information indicating that the shortage amount cannot be allocated is notified to the customer terminal device 40 (S114).

  In S127, the shortage appropriation processing means 17 transfers at least the amount corresponding to the shortage amount to the bank server 20 as the appropriation amount as described above, or the above appropriation amount is transferred to the bank server 20 by the bank This is performed by, for example, outputting instruction information to be applied to the customer's settlement account. Thereafter, when the predetermined time has elapsed after executing the withdrawal in S102, the bank server 20 executes a second withdrawal process from the customer settlement account by the transfer execution means 23 (S128).

FIG. 1 is a diagram for explaining a schematic configuration of a settlement financing system according to an embodiment of the present invention. FIG. 2 is a diagram showing an example of attribute information and loan-related information recorded in the customer database. FIG. 3 is a diagram showing changes in the loan upper limit, the usable upper limit, the usable amount, etc. before and after the credit on the way. FIG. 4 is a diagram for explaining the contents of the loan related information in the customer database that is updated after the credit on the way. FIG. 5 is a flowchart for explaining a loan process using the settlement loan system according to the embodiment. FIG. 6 is a flowchart showing a continuation process of FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Settlement loan system 11 Information transmission / reception means 12 Customer information reference means 13 Specific member determination means 14 First shortage comparison means 15 Ongoing credit examination means 151 First Ongoing credit examination means 152 Second Ongoing credit examination means 16 2 deficiency comparison means 17 deficiency appropriation processing means 18 customer information update means 19 customer database (customer DB)
20 Bank server 30 Storage requesting organization computer 40 Customer terminal

Claims (13)

A settlement financing system connected via a communication line to a management computer of a financial institution that manages a customer settlement account,
Information transmitting / receiving means for receiving balance shortage information of the settlement account from a management computer of the financial institution;
When the information transmission / reception means receives balance shortage information, the customer information reference means for accessing the customer database and inquiring customer information including at least a loan upper limit and an available amount;
A first deficient amount comparing means for comparing the available amount obtained by the customer information inquiry means with a deficient amount included in the balance shortage information received by the information transmitting / receiving means;
In the case where the first shortage amount comparison unit determines that the available amount is less than the shortage amount, the halfway credit using the latest customer information of the customer at the present time is examined to obtain an additional loanable amount. Screening means,
A second shortage amount comparing means for comparing the shortage amount with the latest available amount including the additional loan possible amount obtained by the developing credit examination means;
At least when the first available amount comparison means determines that the available amount is equal to or greater than the insufficient amount, or when the second available amount comparison means determines that the latest available amount is equal to or greater than the insufficient amount, at least A settlement financing system, comprising: a deficiency appropriation processing unit that performs processing for appropriating an amount corresponding to the deficit amount to the account of the customer. In the customer database, a loan history is recorded as customer information,
2. The settlement loan system according to claim 1, wherein the halfway credit examination unit is configured to perform halfway credit examination with reference to customer information including the loan history.   When the customer is a specific member, an available limit determined by an amount less than the loan upper limit is set as customer information recorded in the customer database. 2. The settlement loan system according to 2. When the customer is a normal member other than the specific member, the first shortage comparison means compares the difference between the loan upper limit and the existing loan amount as the available amount with the shortage amount,
When the customer is the specific member, the difference between the available limit amount and the existing loan amount is a means for comparing the shortage amount as the available amount with the shortage amount. The loan system for settlement described. When the customer who is subject to credit review is a regular member other than the specific member, the credit credit review means determines whether the latest credit ceiling newly set by the credit and the credit ceiling before the credit A first on-going credit screening means for determining a difference as the additional loanable amount;
If the customer subject to review of the above credit is the specific member, the latest available limit determined by the amount less than the latest loan limit newly set by the mid credit and the availability before the mid credit 5. The settlement financing system according to claim 1, further comprising a second credit examination unit that calculates a difference from a limit amount as the additional loanable amount.   6. The settlement loan system according to claim 5, wherein the second on-the-shelf credit examination unit varies a calculation criterion for an additional loan possible amount depending on whether or not the settlement target item is a public charge.   When the payment target item is a public charge, the customer information in the customer database is updated with the latest available limit obtained by the second developing credit examination means as the next available limit, and the payment target When the item is other than the utility bill, the lower of the latest available limit obtained by the second credit review means and the previous available limit can be used from the next time 7. The settlement loan system according to claim 5, further comprising customer information updating means for updating customer information in the customer database as a limit amount. A computer program installed in a settlement financing system connected via a communication line to a management computer of a financial institution having a customer settlement account,
Information transmitting / receiving means for receiving balance shortage information of the settlement account from a management computer of the financial institution;
When the information transmission / reception means receives balance shortage information, the customer information reference means for accessing the customer database and inquiring customer information including at least a loan upper limit and an available amount;
A first deficient amount comparing means for comparing the available amount obtained by the customer information inquiry means with a deficient amount included in the balance shortage information received by the information transmitting / receiving means;
In the case where the first shortage amount comparison unit determines that the available amount is less than the shortage amount, the halfway credit using the latest customer information of the customer at the present time is examined to obtain an additional loanable amount. Screening means,
A second shortage amount comparing means for comparing the shortage amount with the latest available amount including the additional loan possible amount obtained by the developing credit examination means;
At least when the first available amount comparison means determines that the available amount is equal to or greater than the insufficient amount, or when the second available amount comparison means determines that the latest available amount is equal to or greater than the insufficient amount, at least A computer program comprising: a deficiency appropriation processing means for performing a process of appropriating an amount corresponding to the deficit amount to the account of the customer. In the customer database, a loan history is recorded as customer information,
9. The computer program according to claim 8, wherein the halfway credit examination unit is configured to perform halfway credit examination with reference to customer information including the loan history. When the customer is a specific member, as customer information recorded in the customer database, an available limit determined by an amount less than the loan upper limit is set,
When the customer is a normal member other than the specific member, the first shortage comparison means compares the difference between the loan upper limit and the existing loan amount as the available amount with the shortage amount,
10. The computer program according to claim 8, wherein when the customer is the specific member, the computer program is a means for comparing a difference between the available limit amount and the existing loan amount as the available amount with a shortage amount. When the customer who is subject to credit review is a regular member other than the specific member, the credit credit review means determines whether the latest credit ceiling newly set by the credit and the credit ceiling before the credit A first on-going credit screening means for determining a difference as the additional loanable amount;
If the customer subject to review of the above credit is the specific member, the latest available limit determined by the amount less than the latest loan limit newly set by the mid credit and the availability before the mid credit The computer program according to any one of claims 8 to 10, further comprising a second on-going credit examination unit that obtains a difference from a limit amount as the additional loanable amount.   12. The computer program according to claim 11, wherein the second mid-course credit examination unit varies a calculation criterion for an additional loan possible amount depending on whether or not the item to be settled is a public bill.   When the payment target item is a public charge, the customer information in the customer database is updated with the latest available limit obtained by the second developing credit examination means as the next available limit, and the payment target When the item is other than the utility bill, the lower of the latest available limit obtained by the second credit review means and the previous available limit can be used from the next time 13. The computer program according to claim 11, further comprising customer information updating means for updating customer information in the customer database as a limit amount.

Images