JP2012123769A - Payment method and recording medium using the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment method for reducing the labor of a debtor.SOLUTION: This payment method is configured to make a debtor who has a debt perform access to a control part 2, and to provide payment information stored or successively stored in the control part 2 to the debtor for reducing the debt of the debtor. The control part 2 is configured to preliminarily give the debtor an identification number having an access right to the control part 2 based on such information as the debt information or consensus of the debtor, and to, when the debtor who has the identification number performs access to the control part 2, provide the payment information to the debtor.

Description

The present invention relates to a repayment method for a debtor having a loan and a recording medium using the same.

To date, when buying expensive products such as homes and land, ordinary people make temporary borrowings from banks with homes and land as collateral and repay them over the years.
The prior art document information related to the invention of this application includes the following.
JP 2006-338376 A JP 2006-350487 A

However, in such a system, the amount of borrowing eventually becomes nearly doubled so that only the bank can make a profit. For this reason, debtors often have long suffered from loan repayments and psychological pressure.
SUMMARY OF THE INVENTION An object of the present invention is to provide a repayment method for reducing the burden on borrowers' borrowings by changing the way of thinking and a recording medium using the same.

The present invention, which was created to achieve the above object, provides access to the control unit by a debtor who has borrowed money, and provides the debtor with repayment information stored or sequentially stored in the control unit. A repayment method for reducing a borrower's borrowing, wherein the control unit gives in advance an identification number having an access right to the control unit to the debtor based on the debtor's debt information, information such as consent, When a debtor having an identification number accesses the control unit, the repayment method provides the repayment information to the debtor.

Further, the debtor having a loan accesses the control unit, and provides a repayment information stored in the control unit or sequentially stored in the debtor to reduce the debtor's borrowing, The control unit provides the repayment information to the debtor when the debtor accesses the control unit, and then, based on the debtor's debt information, information such as consent, the control unit to the debtor It is also possible to give an identification number having the right to access to the debtor in advance so that the debtor having the identification number can access the control unit from the next time.

The repayment information may be repayment information that proposes a difference between the lending rate and the borrowing rate according to the total assets such as the creditor's current assets, borrowings, and loan balances.
The repayment information may be repayment information having an investment proposal according to the total assets such as the creditor's current assets, borrowings and loan balances.
The repayment information may be repayment information having a proposal for a method of creating an advertisement using the Internet according to the total assets such as the creditor's current assets, borrowings, and loan balances.
The control unit may include a selection unit that selects the repayment information when a debtor having the identification number accesses the control unit.
The control unit may be a stationary computer, a stationary server, or a network server provided on a network.
The present invention is also a recording medium using a repayment method in which the repayment method is recorded.

According to the present invention, it is possible to reduce a debtor's debt burden.

Preferred embodiments of the present invention will be described below with reference to the accompanying drawings.
FIG. 1 is a schematic diagram of a system used in a repayment method according to a preferred first embodiment of the present invention.
As shown in FIG. 1, the system 1 used for the repayment method according to the first embodiment includes a stationary server 2 as a control unit, a plurality of terminals 3 owned by each debtor having a borrowing, and these An Internet 4 connecting the server 2 and the terminal 3 is provided.
The main operation of the present invention is performed by the server 2. The server 2 stores repayment information, which will be described later, stored in advance or sequentially.
In the repayment method according to the first embodiment, the system 1 is used. First, when the debtor who has purchased a high-priced product such as a house, land, or car accesses the server 2 for the first time via the Internet 4 using the terminal 3. The obligor is given in advance an identification number having the next access right to the server 2 based on debt information such as the loan balance of the debtor and information such as an agreement with an administrator who manages the server 2. Furthermore, the server 2 provides repayment information to the debtor when the debtor having the identification number accesses the server 2 by the terminal 3.

The repayment information is repayment information that proposes the difference between the lending rate and the borrowing rate according to the total assets such as the creditor's current assets, borrowings, and loan balance.
Further, the repayment information may be repayment information having an investment proposal according to the total assets such as the creditor's current assets, borrowings and loan balances.
Furthermore, the repayment information may be repayment information having a proposal for a method of creating an advertisement using the Internet according to the total assets such as the creditor's current assets, borrowings, and loan balances.
As advertisements using the Internet, there are banner advertisements, add-on advertisements and the like which are recognized by various major search companies and shopping companies such as books. These advertisements can be performed by anyone with a personal computer at a low price, and can be expected to be effective from low risk to high return at low risk.

The server 2 includes a selection unit that selects these three repayment information when the debtor having the identification number accesses the server 2. Thereby, the debtor can easily select the repayment information considered to be most suitable for him.
According to the repayment method according to the first embodiment, the debtor makes the repayment information effective by changing the way of thinking from the current situation where only the bank is profitable and providing the repayment information optimal for the debtor. Use this to repay borrowings. As a result, the debtor's debt burden, that is, the loan repayment and psychological burden can be greatly reduced.
In the repayment method according to the second embodiment, when the debtor accesses the server 2 for the first time, the server 2 provides repayment information to the debtor, and thereafter, the debtor's debt information, information such as consent, etc. Based on this, an identification number having the next access right to the server 2 is given in advance to the debtor, and the debtor having the identification number can access the server 2 from the next time.
In this case, although the access procedure to the server 2 is different, by preparing these two methods, it is possible to provide a more flexible and user-friendly response to the debtor (customer).

The control unit may be a stationary computer or a network server provided on a network. By setting the type of control unit according to the number of customers, the cost can be saved.
Furthermore, you may use the recording medium using the repayment method in which the repayment method described in any one of the above-mentioned was recorded. This is, for example, a CD-ROM or DVD for installation. What is necessary is just to set so that the server 2 cannot be accessed without these CD-ROM and DVD.
In this case, although it takes time to distribute a CD-ROM or DVD, the load on the server 2 can be reduced, and detailed guidance on repayment methods, materials, advertisements, and the like can be included in the CD-ROM and DVD.

Compare conventional borrowing with the present invention. In this example, the house price was 50 million yen, the savings amount was 15 million yen, the desired deposit after the loan was concluded was 2 million yen, and the expected return on investment was 8%. As shown in FIG. 2, according to the present invention, the final profit is 22438507 yen, which can be expected to generate a large profit compared to ▲ 8970012 yen in the case of a general bank.
In conclusion, by operating the present invention, it is possible for a customer to make a profit from a system in which only a normal bank makes a profit (the phenomenon of reversal: an asset can be formed by changing the viewpoint). Banks also increase the amount of ordinary mortgage lending and increase their profits.

BRIEF DESCRIPTION OF THE DRAWINGS It is the schematic of the system used for suitable 1st Embodiment of this invention. It is a figure which shows an Example.

1 System 2 Server 3 Terminal 4 Internet

Claims (8)

A repayment method for reducing the debtor's borrowing by providing a repayment information accessed by a debtor having a loan to the control unit and providing the repayment information stored in the control unit or sequentially stored in the control unit. Based on the debtor's debt information, information such as consent, the debtor is given in advance an identification number having the right to access the control unit, and the debtor having the identification number accesses the control unit And providing the repayment information to the debtor. A repayment method for reducing the debtor's borrowing by providing a repayment information accessed by a debtor having a loan to the control unit and providing the repayment information stored in the control unit or sequentially stored in the control unit. Provides the repayment information to the debtor when the debtor accesses the control unit, and then provides the debtor to the control unit based on information such as the debtor's debt information and consent. A repayment method, wherein an identification number having an access right is given in advance, and a debtor having the identification number can access the control unit from the next time. The repayment method according to claim 1 or 2, wherein the repayment information is repayment information for proposing a difference between a loan interest rate and a borrowing interest rate in accordance with the total assets such as the creditor's current assets, borrowings and loan balances. The repayment method according to claim 1, wherein the repayment information is repayment information having an investment proposal in accordance with the total assets such as the creditor's current assets, borrowings, and loan balances. 3. The repayment method according to claim 1 or 2, wherein the repayment information is repayment information having a proposal for a method of creating an advertisement using the Internet in accordance with the total assets such as the creditor's current assets, borrowings, and loan balances. . The repayment method according to claim 1, wherein the control unit includes a selection unit that selects the repayment information when a debtor having the identification number accesses the control unit. The repayment method according to claim 1, wherein the control unit is a stationary computer, a stationary server, or a network server provided on a network. A recording medium using the repayment method on which the repayment method according to claim 1 is recorded.

Images