JP2023047513A - Sale proportional repayment system loan management system - Google Patents

Abstract

To provide a sale proportional repayment system loan management system.SOLUTION: In a sale proportional repayment system loan management system 1, a system center server includes: a reception unit for receiving input of loan application information; a sale record calculation unit for calculating the sales record of a loan use business operator on the basis of transaction history information of a saving account of the loan use business operator; a loan setting unit for calculating a loan amount by multiplying the record sales by a preset loan limit rate and setting a predetermined interest; a database storing the loan application information, loan amounts, and interests; and a repayment management unit for setting a repayment amount of the month for the loan amount by multiplying repayment rates set in advance for the monthly record sales after the day of start of loan repayment, determining whether the repayment cumulative amount determined by cumulating the repayment amount of the month matches the sum of the loan amount and the interest and notifying the information terminal of the loan use business operator of the end of the repayment of the loan amount when the repayment cumulative amount matches the sum of the loan amount and the interest.SELECTED DRAWING: Figure 2

Description

The present invention relates to a sales proportional repayment method loan management system that enables repayment in proportion to the sales record of a business operator using a loan. and a sales proportional repayment method loan management system that manages repayment by setting interest and setting monthly repayments in proportion to monthly sales after lending.

In general, even if sales are posted as compensation for providing goods or services, it takes a certain amount of time to collect the accounts receivable. Bank loans, which are one of the methods used by individual business owners and corporate managers to improve their cash flow, require many documents to be submitted, such as financial statements for the past several years, and it takes a long time to make a loan decision. Therefore, it was an inconvenient financing method for business operators who wanted to receive a loan quickly.

For this reason, as a method of raising business funds with a short examination period and simple procedures, a method of improving the cash flow of member stores by enabling them to receive loans according to the total transaction amount of credit transactions (Patent Document 1 (see Patent Document 2), and transaction lending, which is a loan service provided by a settlement agency business to member stores, has been proposed (see Patent Document 2).

However, the proposal of Patent Document 1 is useful for member stores that perform card transactions using credit cards, etc., but has the drawback that it cannot be effectively used for stores that mainly accept cash payments or cashless payments. In addition, regardless of the total transaction amount for the current month, the collection of the loan is a repayment method that involves withdrawing the amount of the previous month's loan plus interest fees, etc. There was a fear of running out of funds.

Patent Literature 2 discloses a loan examination system for providing transaction lending services to member stores of payment service providers. In terms of collection, the problem of unstable cash flow due to fluctuations in sales remained.

JP-A-2003-242429 JP 2019-179402 A

The present invention has been made in view of the conventional problems described above. To provide a sales proportional repayment method loan management system for managing repayment by a method of collecting monthly repayments in proportion to monthly actual sales after the repayment start month.

A sales-proportional repayment loan management system according to one aspect of the present invention, which has been made to achieve the above object, connects an information terminal used by a loan user and a system center server used by a loan provider through a communication network. and a loan management system for managing the lending and collection of loans to the loan using business operator, wherein the information terminal is a deposit and savings account in the name of the loan using business operator that handles deposits and withdrawals associated with commercial transactions of the loan using business operator to the system center server, and the system center server receives the loan application information transmitted from the information terminal; Actual sales of said Loan User Business Operator, which is obtained by aggregating said payment amount for a certain period of time based on the payment amount and date of payment associated with commercial transactions recorded in the transaction history information of a savings account in the name of said Loan User Business Operator. a sales performance calculation unit that calculates the actual sales, calculates a loan amount by multiplying the calculated actual sales by a preset loan limit ratio, and calculates a predetermined interest rate on the calculated loan amount a database that records the loan application information, the loan amount, and the interest set for the loan amount; and the loan user after the loan repayment start date. Monthly actual sales are calculated based on the payment amount and payment date of the settlement amount associated with the commercial transaction recorded in the transaction history of the savings account in the name, and the repayment ratio is set in advance for the calculated monthly actual sales. to set the current month repayment amount of the loan amount, determine whether the cumulative repayment amount obtained by accumulating the current month repayment amount is equal to the sum of the loan amount and the interest, and determine whether the repayment amount a repayment management unit that notifies the information terminal of the loan utilization business operator of completion of repayment of the loan amount when it is determined that the accumulated amount matches the sum of the loan amount and the interest. Characterized by

The system center server is connected via a communication network to an account management server of a financial institution where a savings account in the business operator's name has been opened, and receives transaction history information of the savings account in the business operator's name from the account management server. It can be obtained through a bank API (Application Programming Interface).
Different repayment ratios are assigned to the preset repayment ratios for each monthly sales amount range. A ratio may be applied to the preset repayment ratio.
When the calculated actual monthly sales amount is within the preset target monthly sales amount range, the system center server does not perform calculation based on the repayment ratio, and sets the amount range in advance. A fixed amount of repayment can be set as the current month repayment.
If the interest rate on the loan amount calculated based on the period from the loan repayment start date to the date on which the repayment of the loan amount is fixed exceeds the statutory interest rate, the system center server , it is preferable to refund the difference between the set interest and the interest to the deposit/savings account in the business operator's name.
When the actual monthly sales amount is 0 (zero), the system center server sets the repayment amount to 0, but applies a predetermined addition to the repayment ratio for monthly actual sales amounts in the following month and thereafter. can.
The system center server can notify the information terminal of the loan user of a lump-sum repayment request when the monthly actual sales continue to be 0 (zero) for a predetermined period.
The system center server calculates the credit score of the loan user based on the period from the loan repayment start date to the date on which the repayment of the loan amount is confirmed, and stores the score in the database of the system center server. can be recorded.

According to the sales proportional repayment loan management system of the present invention, the processing for setting the loan amount and interest based on the sales performance for a certain period without being limited to the specific payment method of the loan user business is automated. Businesses using loans will be able to easily secure liquid funds on hand without being affected by fluctuations in sales due to payment methods or seasonal fluctuations, and at the same time monthly repayments will be proportional to sales. Since it is set as
Businesses using the sales proportional repayment method loan management system according to the present invention will find it difficult to make repayments due to fluctuations in sales due to a temporary decrease in sales, etc., because loan repayment is a fixed rate repayment to sales You can avoid problems such as

1 is a diagram for explaining a scheme of a sales proportional repayment loan management system according to an embodiment of the present invention; FIG. 1 is a block diagram for explaining the configuration of a sales proportional repayment type loan management system according to an embodiment of the present invention; FIG. 3 is a block diagram for explaining the functional configuration of the system center server shown in FIG. 2; FIG. FIG. 4 is a diagram for explaining a scheme of a sales proportional repayment loan management system according to another embodiment of the present invention;

Hereinafter, specific examples of embodiments for carrying out the present invention will be described in detail with reference to the drawings.

FIG. 1 is a diagram for explaining a scheme of a sales proportional repayment type loan management system according to an embodiment of the present invention.

In this scheme, a loan contract is concluded between a business operator (borrower) who subscribes to the sales proportional repayment method loan management system according to the present invention and uses a loan, and a business operator who provides the loan (hereinafter referred to as the lender). It is assumed that

The flow of this scheme will be described with reference to FIG. A business operator (hereinafter referred to as a loan user business operator) 10 who uses a loan based on the sales-proportional repayment method loan management system of the present invention has its own commercial transaction information and a deposit/savings account in the name of the loan user business operator that handles deposits and withdrawals associated with the business transaction. and the loan application information including the transaction history information is submitted (transmitted) to a business operator that provides loans (hereinafter referred to as a loan provider business operator) 30 . The loan provider 30 sets the loan amount and predetermined interest rate (deemed interest) based on the received loan application information, and pays the loan amount to the loan user 10, that is, executes the loan. do. As a result, the loan-utilizing business operator 10 can secure necessary liquidity funds on hand within a short examination period through a simple procedure.

On the other hand, after the loan repayment start date, the loan user 10 agrees in advance with the loan provider 30 a fixed ratio (referred to as the repayment ratio) to the current month's sales (monthly actual sales). If the total amount of repayments reaches the total amount of principal and interest (the sum of the loan amount and deemed interest) agreed in advance, The loan contract is terminated (paid off).

That is, in the sales proportional repayment method loan management system according to the present invention, unlike a general loan, fixed amount repayment in a pre-determined repayment period is not performed. It is characterized by a fixed rate repayment proportional to As a result, even if sales drop sharply due to unforeseen circumstances, the burden of repayment will be eased, contributing to the survival of the business. Also, if business performance improves, the repayment period will be shorter than originally planned, and as a result, it will be possible to reduce the interest burden.

In the scheme shown in FIG. 1, a loan using business operator 10 deposits all sales of commercial transactions including cash payment settlement with a payment and/or separate payment agency business operator 20 including a bank. From there, the sales proceeds are separately paid to the loan using business operator 10 and the loan providing business operator 30 .

The settlement and/or separate payment agent 20 may be a financial institution such as a bank or a trust bank, or may cooperate with a financial institution such as a bank or a trust bank.
The payment and/or separate payment agency business operator 20 is responsible for payment other than cash payment such as credit card payment, electronic money payment, bank transfer payment, bank account transfer payment, convenience store payment, and cash on delivery payment for commercial transactions performed by the loan user 10. to act as a settlement agent for On the other hand, the payment to the settlement/separate payment agency account addressed to the loan using business operator 10 is accepted from these settlement institutions.

Sales of goods and services by the loan user 10 are not limited to sales at physical stores, but also include sales at other locations, sales at virtual stores such as Internet stores, etc. The business operator 20 acts as an agent for all settlements other than cash settlement accompanying the sale of goods or services by the loan utilization business operator 10 .

The loan use business operator 10 also entrusts the settlement and/or separate payment agency business operator 20 with the separate payment of the sales proceeds for which settlement has been completed to the loan use business operator 10 and the loan provider business operator 30. .

In the scheme shown in FIG. 1, the sales of the loan using business operator 10, including the cash payment settlement, are all settlement/separate payment in the name of the loan using business operator established by the settlement and/or separate payment agency business operator 20. The settlement and/or separate payment agency business operator 20, which is deposited in the agency account, pays the loan utilization business operator 10 for the payment (monthly actual sales) for which the payment has been completed, and also pays a predetermined percentage of the payment price (monthly The amount obtained by multiplying the actual sales by the repayment ratio) is paid to the loan provider 30 as a repayment (transferred to a personal account in the name of the loan user).

In the following description, the settlement and/or separate payment agent 20, which is entrusted by the loan user 10 for settlement and/or separate payment, will be referred to as a "financial institution used by the loan user". The Settlement/Separate Payment Agent Account in the User Business Operator's Name and the Personal Account to be the Separate Payment Receipt are collectively referred to as the "Deposit Savings Account in the Loan User Business Operator's Name". The deposit of the cash settlement proceeds to the settlement/discretionary payment agency account may be deposited by the loan user 10 themselves, entrusted to a money carrier, or using a cash register with a safe function. good.

FIG. 2 is a block diagram for explaining the configuration of a sales proportional repayment type loan management system according to an embodiment of the present invention.

As shown in FIG. 2, the sales proportional repayment loan management system 1 according to one embodiment of the present invention includes an information terminal 100 used by a loan user 10, a system center server 300 used by a loan provider 30, a loan The account management server 200 of the agency business operator 20 (hereinafter referred to as the account management server of the financial institution used by the loan user business operator 10) to which the user business operator 10 entrusts settlement and/or separate payment agency, and the loan providing business operator An account management server 400 of a financial institution used by 30 is communicably connected via a communication network 5 such as the Internet, a public line network, or a dedicated line.

In the sales proportional repayment loan management system 1 according to the present embodiment, the information terminal 100 used by the loan user 10 and the system center server 300 used by the loan provider 30 are commercially available PCs (personal computers). It can be composed of a CPU (central control unit) that constitutes a PC, a storage device such as a hard disk that constitutes a memory, a storage unit or a database, a display device that displays images and texts for management, a keyboard and a mouse, Input devices such as a camera, communication devices for connection with a communication network, and other descriptions and configuration drawings thereof are omitted. In addition, the CPU executes the software program and each component (functional part) that makes these devices function will be described in detail later.
Note that the information terminal 100 is not limited to a PC, and may be a tablet terminal, a smart phone, or the like.

The configuration of the information terminal 100 according to this embodiment will be described in detail below.

The information terminal 100 according to the present embodiment has an input unit 110 for inputting loan application information required for applying for a loan by the loan user 10 using the sales proportional repayment method loan management system 1 according to the present invention. A storage unit 120 for storing loan application information, etc., a terminal communication unit 130 for transmitting loan application information including desired loan conditions, etc. to the system center server 300, a repayment calculation unit 140 for calculating the repayment for the current month, and the final repayment for the current month. A repayment amount correction unit 150 for correcting the amount of money is provided.

The input unit 110 of the information terminal 100 is connected to an input device such as a keyboard, a mouse, a camera, a storage medium reader, etc., and receives payment information of the settlement amount of the commercial transaction received by the loan user 10, desired conditions when applying for a loan, etc. Enter loan application information, including Note that if the information terminal 100 is a tablet terminal or a smartphone, the input unit 110 may be configured with a touch panel (display integrated with a touch pad), a built-in camera, and the like.

The information terminal 100 used by the loan use business operator 10 and the account management server 200 of the financial institution used by the loan use business operator 10 are each a credit card company, an electronic money It is communicably connected to an information processing server of various settlement companies such as a settlement company, a bank having a virtual account, a convenience store settlement company, a cash-on-delivery settlement/distribution company, etc. via a communication network.

The payment information of the payment amount to be entered is the amount and date of payment transferred from the above-mentioned payment institution, payment agency, and electronic commerce (EC) site operator to a savings account in the name of the loan user company. It is transaction history information, and this transaction history information is a history of deposits (generally, deposits and withdrawals) to a savings account in the name of the loan user business in a data format that includes the account number, account holder name, and financial institution name. It is sent to the system center server 300 used by the loan provider 30 .

When applying for a loan, the loan user 10 submits desired loan conditions to the loan provider 30 . The desired loan conditions include the desired loan amount, which corresponds to the amount of funds you wish to borrow, and the desired repayment ratio, which indicates the ratio of the amount to be repaid out of the settlement amount deposited during a certain period (for example, one month). , which includes the desired loan repayment period on which interest is set. The desired loan repayment period is not a repayment deadline, but a repayment period targeted or planned by the loan user 10 .

The storage unit 120 stores the input deposit information of the payment amount, the loan conditions set based on the deposit information and the desired loan conditions, data related to the monthly repayment amount to be paid by the loan user 10 at the time of loan repayment, data related to the final monthly repayment to be paid at the end of

The terminal communication unit 130 connects via the communication network 5 with the account management server 200 of the financial institution where the bank account with the loan user business 10 as the holder of the name is opened, the system center server 300 of the loan provider 30, and the like. , FTP processing including mail server operations, telephone, FAX, and private line communication processing including LAN, and overall communication of the information terminal 100 is managed. A communication network 5 is a communication path such as the Internet, a public telephone line network, a leased line, a frame relay network, an ATM network, or the like.

The repayment of the loan by the loan use business operator 10 is determined according to the settlement amount for the desired loan repayment period. A certain percentage of the payment amount transferred or deposited to the loan provider 30 is paid as repayment.

When the payment amount associated with the commercial transaction is transferred after the start date of the desired loan repayment period, and the payment amount and payment date information are input, the payment calculation unit 140 calculates the payment amount and payment date of the input payment amount. Based on this, the monthly repayment amount is calculated by multiplying the actual monthly sales amount obtained by adding up the repayment amount for a predetermined period (for example, one month) by the repayment ratio set at the time of applying for the loan. The calculated monthly repayment amount is stored in the storage unit 120 and fixed or corrected in the repayment amount correction unit 150 . Numerical values are directly input to the repayment amount calculation unit 140 from a keyboard or a touch panel.

The repayment correction unit 150 accumulates the repayments of the current month after the start date of the desired loan repayment period stored in the storage unit 120 in the order of payment dates, and calculates the accumulated repayment amount.
If the calculated accumulated repayment amount is less than the total principal and interest amount, the repayment correction unit 150 determines the current month repayment calculated by the repayment calculation unit 140 of the information terminal as the fixed current month repayment, and determines the current month repayment. While outputting the repayment information in which the fixed repayment for the current month is described, the repayment information is transmitted to the system center server 300 via the terminal communication unit 130 .

If the calculated cumulative repayment amount is equal to or greater than the total principal interest rate, the repayment amount correction unit 150 sets the current month repayment amount at the time when the total principal interest rate amount or more is equal to or greater than the total principal interest rate amount as the final repayment amount for the current month. The difference between the accumulated repayments before the final month's repayments are accumulated and the total principal and interest is calculated so that the accumulated repayments are the same as the total principal and interest Correct the amount deducted from the amount of repayment. In addition, if the actual repayment period is significantly shortened from the initial setting (desired loan repayment period) and the deemed interest conflicts with interest rate restrictions such as the Investment Law and the Interest Rate Restriction Law, the interest rate adjustment (return interest) will be applied. conduct.

The revised current month repayment will be listed as the fixed current month repayment in the repayment information. The repayment correction unit 150 outputs the repayment information and transmits it to the system center server 300 via the terminal communication unit 130 .

When the repayment information is output and the repayment confirmation information received from the system center server 300 is received from the system center server 300 , the loan user 10 pays the fixed repayment for the current month to the loan provider 30 . If the loan user 10 uses Internet banking, the payment of the fixed monthly repayment to the loan provider 30 can be made from the information terminal 100 to a financial account opened in the name of the loan user. It may be executed by sending to the account management server 200 of the institution a transfer request to the account management server 400 where the bank account of the financial institution designated by the loan provider 30 is opened.

Next, the configuration of the system center server 300 according to this embodiment will be described in detail.

The system center server 300 according to this embodiment is used as a server managed by the loan provider 30, and is connected to the information terminal 100 used by the loan user 10 via a communication network 5 such as a public line network or a dedicated line. be done. The system center server 300 includes a reception section 310 , a database 320 , a server communication section 330 , a sales record calculation section 340 , a loan setting section 350 , a repayment management section 360 and a system control section 370 . Note that the database is composed of a hard disk drive (HDD) and/or a solid state drive (SSD).

FIG. 3 is a block diagram for explaining the functional configuration of the system center server shown in FIG. 2; The system center server 300 according to this embodiment will be described below with reference to FIG.

The reception unit 310 receives from the information terminal 100 of the loan use business operator 10 connected via the communication network 5, the transaction history information of the bank account whose name is the loan use business operator 10, and the sales according to the present embodiment. Accepts input of loan application information including desired loan conditions for obtaining a loan using the proportional repayment type loan management system. The accepted transaction history information of the deposit/savings account in the name of the loan using business operator and the data of the desired loan conditions are stored in the database 320 .

The reception unit 210 is connected to an input device such as a keyboard, a mouse, an image reader such as a camera or a scanner, and reads the transaction history information written in the passbook of the bank account of the direct loan user 10 with the image reader. It is also possible to input the desired loan terms from the keyboard.

The database 320 contains business information of the loan user 10 who uses the sales proportional repayment method loan management system according to the present invention, business information of the settlement institution, the settlement agent, and the operator of the e-commerce site with which the loan user 10 trades. , and a user database that stores deposit and savings account information of the loan use business operator 10, a sales performance database that stores sales performance information of the loan use business operator 10, and a loan repayment that stores set loan conditions and repayment information database.

The server communication unit 330 communicates with the information terminal 100 of the loan user 10, the account management server 200 of the account opening financial institution used by the loan user 10, and the account management server 400 of the financial institution used by the loan provider 30. connection, mail server business, FTP processing, telephone, FAX, and leased line communication processing including LAN.

The system center server 300 of the sales proportional repayment method loan management system 1 according to the present embodiment, based on the transaction history information of the deposit and savings account of the loan user business 10 and the desired loan conditions, the assumed repayment period, repayment ratio to sales, loan Set up loan plans, including loan amounts, and manage loan disbursements and collections.

The transaction history information of the savings account input to the system center server 300 is submitted from the loan user 10 to the loan provider 30 when receiving a loan using the sales proportional repayment method loan management system 1 according to the present invention. It is preferable that the history is at least the most recent one year since it is the basic data for setting the loan plan. By using the history of the most recent one year, it is possible to accurately grasp the change in the actual sales amount of the loan using business operator 10, and to set a loan plan that allows reasonable collection of repayments.

When using the sales proportional repayment loan management system 1 according to the present embodiment, the desired loan terms submitted by the loan user 10 to the loan provider 30 are input to the system center server 300, and the loan plan is set. used for

Items of the desired loan conditions include desired loan amount, desired repayment ratio to monthly sales, and desired loan repayment period for interest calculation (also called scheduled repayment period).
For the desired loan amount, it is preferable to set the upper limit of the loan ratio, for example, 50% of the sales in a predetermined period, so that the loan repayment can be collected without difficulty. In order to avoid troubles such as bankruptcy before full payment, it is preferable to set a repayment deadline, for example, within one year.

The sales performance calculation unit 340 uses the information on the bank account in the name of the loan use business operator submitted by the loan use business operator 10 to calculate the amount of cash payment, which is the settlement price for commercial transactions, the payment institution, the payment agency, And based on the amount of deposit from the operator of the e-commerce site and the date of each deposit, aggregate the amount of deposit for a certain period of time in the past (for example, the most recent year) and calculate the actual sales used for setting the loan plan. and save it in the database 320.

The loan setting unit 350 includes a loan amount setting unit 352 that sets the loan amount and the repayment start date, an interest setting unit 354 that sets the assumed interest based on the desired loan amount and the scheduled repayment period from the loan user 10, and a loan It has a loan information notification unit 356 that notifies the information terminal 100 of the user business operator 10 of the loan plan.

The loan amount setting unit 352 uses the scheduled repayment period saved in the database 320 and the actual sales for a certain past period calculated by the actual sales calculation unit 340 to determine the previous year's actual fixed sales corresponding to the scheduled repayment period. to calculate

Subsequently, the loan amount setting unit 352 divides the desired loan amount of the loan user 10 by the previous year's actual fixed sales corresponding to the scheduled repayment period, and converts the desired loan amount to the previous year's actual fixed sales into a loan. Calculate the percentage.

For example, if the calculated ratio of loans to the actual finalized sales of the previous year is greater than 1, that is, if the desired loan amount exceeds the actual finalized sales of the previous year during the scheduled repayment period, the period to be calculated is extended. , Calculate the corresponding fixed sales of the previous year and the ratio of the desired loan amount to the actual fixed sales of the previous year, and repeat until the loan ratio of the desired loan amount to the actual fixed sales of the previous year is less than 1 .

In the above calculation, the extension of the period subject to calculation is preferably extended by one month, and the scheduled repayment period is preferably within one year.
Note that performing the above calculation with the loan ratio set to 1 is an example, and is not limited to this. The loan ratio can be changed according to the creditworthiness of the business using the loan.

When the loan amount setting unit 352 finds a target period in which the loan ratio of the desired loan amount to the previous year's confirmed sales is less than 1, the period is regarded as the scheduled repayment period and set as the assumed repayment period. , set the desired loan amount to the loan amount. Then, the loan amount is divided by the actual confirmed sales of the previous year corresponding to the assumed repayment period to calculate the loan ratio, and these set values are stored in the database 320 .

The repayment start date is not particularly limited as long as it is after the day after the loan execution date, but it is preferable to set the repayment start date in the month following the start month of the deemed repayment period in accordance with the payment timing of the settlement and/or separate payment agent.

The scheduled repayment period is not set as a repayment deadline, but it is usually set to about one year. May be set. In addition, it is preferable to set the scheduled repayment period in units of months in order to facilitate loan setting and repayment management.

There is no particular limit to the loan conversion ratio, but it is usually 10% to 30%. In order to prevent a shortage of liquid funds on hand in the loan utilization business, it is preferable to set an upper limit on the loan ratio. Corresponding values are preferred.

The interest setting unit 354 calculates the interest using a preset conversion table based on the loan amount and the assumed repayment period, and sets the sum of the loan amount and the total principal interest amount, For example, the day after the loan execution date is set as the repayment start date and stored in the database 320 .

The loan amount set by the loan amount setting unit 352 and the interest setting unit 354 and stored in the database 320, the loan ratio, the repayment ratio, the repayment start date, and the total amount of interest on the principal are transmitted from the loan information notification unit 356 to the server. It is transmitted to the information terminal 100 of the loan user 10 via the unit 330 .

Next, functions and operations of the repayment management unit 360 of the system center server 300 according to this embodiment will be described.

A repayment management unit 360 that manages loan repayment includes a repayment amount setting unit 362 that calculates the repayment amount, a repayment status determination unit 364 that determines the end of repayment and the extension of the repayment period, the set loan amount and the repayment amount. A repayment notification section 366 for notifying the end of repayment and the extension of the repayment period is included.

The loan provider 30 concludes a loan contract with the loan user 10 based on the set loan plan.

When a loan contract is concluded between the loan using business operator 10 and the loan providing business operator 30 and the loan is executed and the repayment period starts, the information terminal 100 of the loan using business operator 10 is installed in the system center server 300. , the transaction history information of the bank account of the loan using business operator 10 after the start date of the repayment period (for example, loan execution date) is transmitted.

The repayment amount setting unit 362 calculates the current month repayment amount based on the transaction history information of the bank account of the loan using business operator 10 after the start date of the repayment period. The calculation of the current month's repayment is based on the amount of cash payment, which will be the payment amount associated with the commercial transaction recorded in the savings account, the amount of payment from the payment institution, payment agency, and e-commerce site operator, and each of them. Calculated by multiplying the actual monthly sales calculated based on the payment date and the repayment ratio. The calculated repayment amount is stored in the database 320 .

Note that the repayment amount setting unit 362 may apply different repayment ratios as the repayment ratio by which the actual monthly sales are multiplied, depending on the amount level of sales expected after the start of repayment (referred to as target monthly sales). . For example, sales are divided into ranges of 100,000 yen or more and less than 500,000 yen, 500,000 yen or more and less than 1 million yen, and 1 million yen or more, and different repayment ratios (10 %, 15%, and 20%) are set under the agreement of the loan user business. As a result, businesses that have increased their sales will be able to pay off their loans in a shorter period of time, resulting in less interest burden and incentives for increased sales.

As another repayment amount setting option, the repayment amount setting unit 362 does not perform calculation based on the repayment ratio when the monthly actual sales amount is within the preset target monthly sales amount range. A preset fixed amount of repayment may be set as the repayment for the current month. In this case, since the monthly sales report is simplified, there is an advantage that the repayment becomes easier and the trouble required for repayment is saved.

As another repayment amount setting option, the repayment amount setting unit 362 sets the repayment amount for the current month to 0 when the actual monthly sales amount is 0 (zero). A repayment ratio corresponding to an additional interest rate may be applied to the ratio. Then, when the monthly actual sales continue to be 0 (zero) for a predetermined period, the information terminal 100 of the loan user 10 is notified of a lump sum repayment request based on the agreement of the loan user in advance. May be set.

The repayment amount setting unit 362 compares the fixed repayment amount for the current month transmitted from the information terminal 100 with the repayment amount calculated on the system center server 300 side and stored in the database 320, and if the two match, the repayment amount for the current month. is determined, and the current month repayment amount confirmation information is output. If the two do not match, a repayment amount review request is transmitted to the information terminal 100 .

The repayment status determination unit 364, which determines the end of repayment, accumulates the repayments of the current month after the start of the repayment period. The repayment amount is set as the final repayment amount, and the repayment notification unit 366 is notified that the final repayment amount has been set and the repayment of the loan is completed.

The repayment status judging unit 364 sets the final repayment amount to the sum of the total repayment amount equal to the total interest amount of the principal amount, so that the amount exceeding the total amount of interest amount of the principal amount is rounded down, and is transmitted from the information terminal 100. If it matches the final monthly payment, the final monthly payment is determined, and the current month payment information is output.
The repayment status determination unit 364 notifies the repayment notification unit 366 of the extension of the repayment period if the accumulated repayment amount does not reach the total principal and interest amount even after the repayment period has passed. The extension of the repayment period will continue until the accumulated repayment amount reaches the total principal and interest amount.

In addition, the repayment status determination unit 364 evaluates the credit score of the loan user 10 based on the period from the loan repayment start month to the month when the repayment of the loan amount is confirmed, 320 may be stored. Since this credit score can measure the speed at which the loan was repaid, not whether or not the loan was paid off like the previous loan, credit scoring can be made more in line with the sales data.

The repayment notification unit 366 informs the information terminal 100 of the loan user 10 of the repayment amount set by the repayment amount setting unit 362 and whether or not the repayment is completed and whether the repayment period is extended as determined by the repayment status determination unit 364. Notification is made via the server communication unit 330 .

The notice of repayment for the current month notified from the repayment notification unit 366 via the server communication unit 330 includes the repayment amount for the current month, whether or not repayment is completed, whether or not the repayment period is extended, as well as the loan amount, loan conversion ratio, and deemed repayment. Include the term, repayment start date, cumulative repayment amount including the current month's repayment, and repayment balance.

The system control unit 370 controls each functional unit described above and the overall system.

FIG. 4 is a diagram for explaining a scheme of a sales proportional repayment type loan management system according to another embodiment of the present invention. It is premised on the conclusion of a loan agreement for

Referring to FIG. 4, the scheme flow of another embodiment of the present invention will be described.

The loan use business operator 10 establishes a savings account in the name of the loan use business operator via a bank API (Application Programming Interface) in the account management server 200 (see FIG. 2) of the financial institution where the savings account in the name of the loan use business operator is opened. login information for acquiring transaction history information and loan application information including agency contract and proxy receipt contract information for the deposit account to the loan provider 30, and using the submitted login information Based on the transaction history information acquired via the bank API, the loan provider 30 sets the loan amount and the predetermined deemed interest rate, and pays the loan amount to the loan user 10, that is, carry out financing. As a result, the loan user 10 can secure necessary liquidity funds on hand with a simple procedure and a short examination period. The amount obtained by multiplying the sales of the current month (actual monthly sales) by the fixed ratio agreed to will be paid as the repayment of the current month.

About payment of repayment, the loan user 10 sends the repayment to the account management server of the financial institution used by the loan user 10 (hereinafter referred to as the account management server of the loan user) 200 via the bank API. and the account management server 200 of the loan using business operator makes payment of the repayment to the loan providing business operator 30 from the savings account of the loan using business operator 10 . The payment of the repayment is made from the account management server 200 of the loan using business operator to the account management server of the financial institution used by the loan providing business operator 30 shown in FIG. 400 may be credited directly.

The payment of the repayment to the loan providing business operator 30 starts after the loan execution date, and the total amount of the loan amount and the deemed interest received by the loan using business operator 10 and the loan providing business operator 30 have received the repayment. This is continued until the cumulative repayment amount matches.

In the sales-proportional repayment loan management system according to another embodiment of the present invention, the account management server 200 of the loan user company includes a software program (bank API) is executed, and the hardware configuration thereof is well known, so a detailed description thereof will be omitted.

Also, the functions and configurations of the information terminal 100 used by the loan utilizing business operator 10 and the system center server 300 used by the loan providing business operator 30 are the same as those described in the above embodiment of the present invention.

In another embodiment of the present invention, when a loan contract is concluded between the loan user 10 and the loan provider 30, and the repayment period of the loan starts, the system center server 300 sends Then, the transaction history information of the savings account in the name of the loan using business operator after the start date of the repayment period is acquired from the account management server 200 of the loan using business operator. Among the transaction history information, the target payment institution, payment agency, and e-commerce site operator are registered in advance in the database 320, as in the above-described embodiment of the present invention. The system control unit 370 may specify based on the merchant and electronic commerce site operator information.

In another embodiment of the present invention, the operation other than that the system center server 300 acquires the business transaction information of the loan using company via the bank API is the same as that described in the above-described one embodiment of the present invention. Therefore, detailed description is omitted.

Although the embodiments of the present invention have been described in detail with reference to the drawings, the present invention is not limited to the above-described embodiments, and can be modified in various ways without departing from the technical scope of the present invention. It is possible to implement.

1 sales proportional repayment method loan management system 5 communication network 10 loan user 20 settlement and/or separate payment agent 30 flow provider 100 information terminal 110 input unit 120 storage unit 130 terminal communication unit 140 repayment calculation unit 150 repayment correction unit 200, 400 account management server 300 system center server 310 reception unit 320 database 330 server communication unit 340 sales performance calculation unit 350 loan setting unit 352 loan amount setting unit 354 interest setting unit 356 loan information notification unit 360 repayment management Section 362 Repayment amount setting section 364 Repayment status determination section 366 Repayment notification section 370 System control section

Claims (8)

A loan management system in which an information terminal used by a loan use business operator and a system center server used by a loan provider business operator are connected by a communication network, and manages lending and collection of loans to the loan use business operator,
The information terminal transmits, to the system center server, loan application information including transaction history information of a savings account in the name of the loan user, which handles deposits and withdrawals associated with commercial transactions of the loan user,
The system center server
a reception unit that receives the loan application information transmitted from the information terminal;
Based on the amount and date of payment of payment for commercial transactions recorded in the transaction history information of the bank account in the name of the loan user included in the received loan application information, the amount of payment for a certain period of time is aggregated. a sales performance calculation unit that calculates the actual sales of the loan-using business operator;
A loan setting unit that multiplies the calculated actual sales by a preset loan limit ratio to calculate a loan amount, performs a predetermined interest calculation on the calculated loan amount, and sets the interest. and,
a database that records the loan application information, the loan amount, and an interest rate set on the loan amount;
Based on the payment amount and payment date of the settlement price associated with the commercial transaction recorded in the transaction history of the savings account in the name of the loan user business after the loan repayment start date, the actual monthly sales are calculated. Multiplying the monthly actual sales by a preset repayment ratio to set the repayment amount for the current month of the loan amount,
Determining whether the accumulated repayment amount obtained by accumulating the repayment amount of the current month matches the sum of the loan amount and the interest,
a repayment management unit that notifies the information terminal of the loan utilization business operator of completion of repayment of the loan amount when it is determined that the accumulated repayment amount matches the sum of the loan amount and the interest. A sales proportional repayment type loan management system characterized by comprising: The system center server is connected via a communication network to an account management server of a financial institution in which a savings account in the name of the loan use business operator is opened, and the transaction history information of the savings account in the name of the loan use business operator is sent to the 2. The sales proportional repayment method loan management system according to claim 1, wherein the loan is obtained from an account management server via a bank API (Application Programming Interface). The preset repayment ratio is assigned a different repayment ratio for each monthly sales amount range,
3. The system center server according to claim 1, wherein the system center server applies the repayment ratio assigned to the amount range corresponding to the calculated monthly actual sales to the preset repayment ratio. Sales proportional repayment method loan management system. When the calculated actual monthly sales amount is within the preset target monthly sales amount range, the system center server does not perform calculation based on the repayment ratio, and sets the amount range in advance. 4. The sales proportional repayment method loan management system according to claim 3, wherein a fixed amount of repayment is set as said current month repayment. If the interest rate on the loan amount calculated based on the period from the loan repayment start date to the date on which the repayment of the loan amount is fixed exceeds the statutory interest rate, the system center server 5. The sales proportional repayment method loan management system according to any one of claims 1 to 4, wherein the difference between the set interest and the set interest is refunded to a deposit/savings account in the name of the business operator. When the actual monthly sales amount is 0 (zero), the system center server sets the repayment amount to 0, but applies a predetermined addition to the repayment ratio for monthly actual sales amounts in the following month and thereafter. 3. The sales proportional repayment type loan management system according to claim 1 or 2, characterized in that: 7. The system center server according to claim 6, wherein when the monthly actual sales continue to be 0 (zero) for a predetermined period, the system center server notifies the information terminal of the loan user of a lump-sum repayment request. sales proportional repayment loan management system. The system center server calculates the credit score of the loan user based on the period from the loan repayment start date to the date on which the repayment of the loan amount is confirmed, and stores the credit score in the database of the system center server. 2. The sales-proportion-repayment loan management system according to claim 1, wherein a record is made.

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