JP2023110719A - Fee computation device, fee computation method, and fee computation program - Google Patents

Abstract

To provide a fee computation device, fee computation method, and fee computation program, which enable computation of return fees, even in the case of two lump-sum residual value method, using the same service flow as handling of the conventional residual value setting method.SOLUTION: A fee computation device according to an embodiment is configured to compute a return fee for an unexpired period on the basis of repayment schedule data, collection history data, a deferment fee, the deferred number of months, first repayment date, transaction date, and completion date.SELECTED DRAWING: Figure 1

Description

The present invention relates to a fee calculation device, a fee calculation method, and a fee calculation program.

In installment sales, when early payment is made, it is necessary to return the fee for the remaining repayment period (hereinafter simply referred to as "return fee"). For example, in Patent Document 1, in the purchase of automobiles and high-priced electrical products, if the residual value setting credit is changed based on the amount obtained by subtracting the residual value at the end of the residual value setting period from the selling price, after one year A technique is disclosed for reducing and correcting the amount after deducting the residual value calculated using the residual value of the property, including a commission.

JP 2019-153215 A

By the way, as in the above-mentioned Patent Document 1, regarding the calculation of the return fee, in the case of a residual value setting (residual value setting method) with monthly repayments in the period from the first payment to the final payment (residual value), the monthly repayment Fees are proportionally distributed to the schedule and managed in advance. Therefore, the residual value setting method can easily calculate the refund fee by adding up the fees for the months that have not yet elapsed.

However, in a payment method that does not have monthly repayments from the first payment to the final payment (residual value) (hereinafter simply referred to as the “residual value double payment method”), there is no monthly repayment, so the residual value setting method described above However, it was not possible to calculate the return fee by such methods, and each time, the return fee was calculated manually. As a result, there is a problem that the residual value double-batch method cannot be managed with the same business flow as that of the conventional residual value setting method.

The present invention has been made in view of the above, and is a fee calculator that can calculate the return fee even if the residual value is double-lumped while maintaining the same business flow as handling the conventional residual value setting method. An object of the present invention is to provide an apparatus, a fee calculation method and a fee calculation program.

In order to solve the above-described problems and achieve the object, a commission calculation device according to the present invention is a commission calculation device comprising a control unit, wherein a commission rate code, a deferred commission rate code, the number of payments, and a commission fee rate master associated with rate, member point code, fee rate pattern, deferred fee rate code, and deferred month Account loan data at the time of application in which the code, fee pattern, number of payments, main unit price, down payment, deferment principal, first repayment date, and deferment fee are associated with each other; the fee rate master; Repayment schedule data in which the final repayment date, the principal payment amount, and the fee payment amount are associated with each other, and account transactions, which are generated based on the rate pattern master by member store and the account loan data at the time of application data, collection performance data in which the fee payment amount is associated with the transaction date, and the control unit can access the repayment schedule data, the collection performance data, the deferment fee, and the deferred number of months. and a calculation unit for calculating a refund fee for the unexpired period based on the first payment date, the transaction date, and the completion date.

Further, a commission calculation method according to the present invention is a commission calculation method executed by a commission calculation device having a control unit, wherein a commission rate code corresponds to a deferred commission rate code, the number of payments, and a commission rate. The attached fee rate master, the member point code, the fee rate pattern, the deferred fee rate code, and the number of deferred months are associated with the fee rate pattern master by member store, and the credit number, the member store code, and the fee pattern. , the number of payments, the main unit price, the down payment, the deferred principal, the first repayment date, and the deferred fee, the account loan data at the time of application, the fee rate master, and the fee rate pattern for each member store Repayment schedule data generated based on the master and the account loan data at the time of application, the final repayment year and month, the principal payment amount, and the fee payment amount, and the fee payment amount on the transaction date The repayment schedule data, the collection record data, the deferment fee, the number of deferment months, and the first repayment year and month are accessible to the associated collection record data, and are executed by the control unit. and a calculation step of calculating the refund fee for the unexpired period based on the transaction date and the date of completion.

Further, a commission calculation program according to the present invention is a commission calculation program to be executed by a commission calculation device having a control unit, wherein a commission rate code, a deferred commission rate code, the number of payments, and a commission rate are combined. Associated fee rate master, member point code, rate pattern, deferred fee rate code, deferred number of months Account loan data at the time of application in which the pattern, the number of payments, the main unit price, the down payment, the deferred principal, the first repayment date, and the deferred fee are associated with each other, the fee rate master, and the fee rate by merchant Repayment schedule data in which the final repayment date, the principal payment amount, and the fee payment amount are associated with each other, and the fee payment amount on the transaction date, which are generated based on the pattern master and the account loan data at the time of application and the collection record data associated with the repayment schedule data, the collection record data, the deferment fee, and the It is characterized by including a calculation step of calculating a refund fee for the unexpired period based on the number of deferred months, the first repayment date, the transaction date, and the completion date.

According to the present invention, it is possible to calculate the return commission even in the case of the residual value double-batch method while maintaining the same business flow as that of the conventional residual value setting method.

FIG. 1 is a schematic diagram showing an overview in a block diagram showing an example of the configuration of a commission calculation device according to an embodiment. FIG. 2 is a diagram illustrating an example of a commission rate master table in the commission rate master of the commission calculation device according to the embodiment; FIG. 3 is a diagram showing an example of a rate pattern master table by member store in the rate pattern master by member store of the fee calculation device according to the embodiment. FIG. 4 is a diagram showing an example of an account lending data table upon application in the account lending data upon application of the fee calculation device according to the embodiment. FIG. 5 is a diagram showing an example of a repayment schedule data table in the repayment schedule data of the fee calculation device according to the embodiment. FIG. 6 is a diagram showing an example of an account transaction data table in the account transaction data of the fee calculation device according to the embodiment; FIG. 7 is a diagram showing an example of a collection record data table in the collection record data of the fee calculation device according to the embodiment. FIG. 8 is a diagram for explaining the outline of early repayment in the residual value dual lump sum method. FIG. 9 is a diagram schematically explaining an overview of a method of calculating a return fee by the fee calculation device according to the embodiment. FIG. 10 is a flowchart illustrating an outline of processing executed by the fee calculation device according to the embodiment; FIG. 11 is a diagram explaining an overview of the application input process. FIG. 12 is a diagram for explaining the outline of deposit processing. FIG. 13 is a diagram showing an example of a display screen displayed on the monitor by the output control unit when there is a credit inquiry. FIG. 14 is a diagram showing another example of the display screen displayed on the monitor by the output control unit when there is a credit inquiry.

EMBODIMENT OF THE INVENTION Below, embodiment of the fee calculation apparatus, the fee calculation method, and the fee calculation program which concern on this invention is described in detail based on drawing. It should be noted that the present invention is not limited by this embodiment.

[1. composition]
An example of the configuration of the fee calculation device according to this embodiment will be described with reference to FIG. 1 and the like. FIG. 1 is a schematic diagram showing an overview in a block diagram showing an example of the configuration of a fee calculation device.

The fee calculation device 100 shown in FIG. 1 is a commercially available desktop personal computer. Note that the fee calculation device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a commercially available notebook personal computer, a PDA (Personal Digital Assistant), a smart phone, a portable type such as a tablet personal computer. It may be an information processing device.

Fee calculation device 100 includes control unit 102 , communication interface unit 104 , storage unit 106 , and input/output interface unit 108 . Each unit included in fee calculation device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the fee calculation device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with another device via a communication line. Here, the network 300 has a function of connecting the fee calculation device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Note that the data stored in the storage unit 106 may be stored in the server 200, for example.

An input device 112 and an output device 114 are connected to the input/output interface section 108 . The output device 114 can be a monitor (including a home television), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that cooperates with the mouse to provide a pointing device function. Note that, hereinafter, the output device 114 may be referred to as the monitor 114 and the input device 112 may be referred to as the keyboard 112 or the mouse 112 .

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for performing various processes by giving commands to a CPU (Central Processing Unit) in cooperation with an OS (Operating System). As the storage unit 106, for example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used. Storage unit 106 stores commission rate master 106a, member store rate pattern master 106b, account loan data 106c at the time of application, repayment schedule data 106d, account transaction data 106e, and collection record data 106f. there is

The commission rate master 106a stores a commission rate code in association with a deferred commission rate code, the number of payments, and a commission rate.

FIG. 2 is a diagram showing an example of a commission rate master table in the commission rate master 106a. In the first row of the commission rate master table T1 shown in FIG. 2, there are a commission rate code "4: deferred commission rate", a deferred commission rate code "001: residual value deferred in 2 lumps for 3 years", and the number of payments "2". and the commission rate "3.9%" are stored in association with each other.

The member store rate pattern master 106b associates and stores a member point code, a rate pattern, a deferment fee rate code, and a deferment month.

FIG. 3 is a diagram showing an example of a rate pattern master table for each member store in the rate pattern master table for each member store 106b. The first row of the rate pattern master table T2 for each member store shown in FIG. Deferment fee rate code "001: 2-Lump 3-Year Deferment of Residual Value", 2-Lump Residual Repayment FLG "True", and the number of deferment months "34" are stored in association with each other.

The account loan data 106c at the time of application includes the bond No (bond number), the member store code, the charge pattern, the number of payments, the unit price, the down payment, the deferred principal, the first repayment date, and the deferred fee. , are associated with each other and stored.

FIG. 4 is a diagram showing an example of an account loan data table upon application in the account loan data upon application 106c. The first line of the application-time account loan data table T3 shown in FIG. Price double repayment (3 years deferred)", number of payments "2", main unit price "1400000", down payment "650000", deferred principal "750000", first repayment date "2021/8" , and the deferment fee “87,750” are stored in association with each other. The deferred commission is calculated by multiplying the deferred principal (750000) by the annual rate of the commission rate master 106a ((3.9%)/12 in the case of FIG. 2) and the deferred period (34+2 (including the first and last times)). (750000*((0.039)/12))*(34+2)=87,750).

The scheduled repayment data 106d includes the final repayment date, principal payment amount, and fee payment amount, which are generated based on the fee rate master 106a, the fee rate pattern master 106b for each member store, and the account loan data 106c at the time of application. , are associated with each other and stored.

FIG. 5 is a diagram showing an example of a repayment schedule data table in the repayment schedule data 106d. In the repayment schedule data table T4 shown in FIG. 5, the repayment schedule is expanded with two payments due to two lump sum repayments (deferment for three years) of the residual value. Specifically, in the first row of the scheduled repayment data table T4, the repayment SEQ "1", the scheduled payment date "2021/8", the scheduled payment date "2021/8/27", and the deferment fee A total payment amount of "87,750", a principal payment amount of "0", a commission payment amount of "87,750", and a post-payment total balance of "750,000" are associated and stored. Furthermore, in the second row of the scheduled repayment data table T4, the repayment SEQ "2", the scheduled payment date "2024/7" which is the final repayment date, the scheduled payment date "2024/7/27", The total payment amount "750,000", the principal payment amount "750,000", the commission payment amount "0", and the total balance after payment "0" are associated and stored.

The account transaction data 106e stores a bond No (bond number) in association with a transaction date, a completed payment category, a transaction amount, and a balance.

FIG. 6 is a diagram showing an example of an account transaction data table in the account transaction data 106e. In the account transaction data table T5 shown in FIG. 6, the bond number (bond number) “100-0”, the transaction date “2021/7/20”, the completion classification “100: in progress”, and the transaction amount “837” , 750" (deferred principal (750,000) + deferred fee (87,750)) and balance "837,750" (deferred principal (750,000) + deferred fee (87,750)) They are associated and stored.

The collection record data 106f stores the repayment SEQ, the total payment amount, the principal payment amount, and the fee payment amount in association with the transaction date.

FIG. 7 is a diagram showing an example of a collection record data table in the collection record data 106f. In the collection record data table T6 shown in FIG. 7, the payment SEG "1", the transaction date "2022/7/20", the total payment amount "87,750", the principal payment amount "0", and the fee payment A sum of "87,750" is stored in association with it.

Returning to FIG. 1, the description of the configuration of the commission calculation device 100 is continued.
The control unit 102 is a CPU or the like that comprehensively controls the fee calculation device 100 . The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Execute. The control unit 102 includes an application input processing unit 102a, a payment execution unit 102b, a payment processing unit 102c, a calculation unit 102d, and an output control unit 102e.

The application input processing unit 102a acquires the account loan data 106c at the time of application corresponding to the application information input via the input device 112, and the fee rate master 106a and the fee rate pattern for each member store. Refer to the master 106b and execute application input processing to generate the scheduled repayment data 106d.

The payment execution unit 102b executes a payment execution process for generating account transaction data to set the payment completed state based on the application information.

The deposit processing unit 102c executes deposit processing for creating collection record data when receiving an input for the first repayment (deferment fee).

The calculation unit 102d calculates the repayment schedule data 106d, the actual collection data 106f, the deferment fee included in the application-time account loan data 106c, the number of deferment months included in the fee rate pattern master by member store 106b, and the first repayment year and month. , the return fee for the unexpired period is calculated based on the transaction date and the completion date included in the collection record data 106f.

The output control unit 102e causes the monitor 114 to display a bond inquiry screen when there is a bond inquiry (early payment inquiry) from the user via the input device 112. FIG.

[2. Overview of Early Repayment under the Two-Lump Residual Value Method]
Next, an outline of early repayment under the two-in-one residual value method will be described. FIG. 8 is a diagram for explaining the outline of early repayment in the residual value dual lump sum method.

As shown in FIG. 8, an obligor (hereinafter simply referred to as the ``obligor'') who purchases a certain product (for example, a car) by the residual value double lump sum method first prepares application information at a predetermined store and applies for it. I do. In this case, the obligee inputs the application information to the fee calculation device 100 and causes the fee calculation device 100 to develop a repayment schedule.

After that, the obligee uses the fee calculation device 100 to make the payment paid based on the application information.

Subsequently, the obligor pays the down payment and deferment fee in the first payment. As shown in FIG. 8, the obligor has no repayment (principal and commission) from the second to the final payment due to the two-payment residual value system, and pays the residual value at the final payment. In this period, as shown in Figure 8, if the obligor makes an early payment of the residual value on the way to the final payment, the obligee will receive m A return fee will be charged according to the calculation target period from the first time to the last time.

FIG. 9 is a diagram schematically illustrating an outline of a method of calculating a return fee by the fee calculation device 100. As shown in FIG. In FIG. 9, the vertical axis indicates the total number of payments n, and the horizontal axis indicates the number of payments. Further, FIG. 9 shows the m-th fee amount for a loan with a total number of payments of n when the 78-minute method is used.

このように、手数料計算装置１００は、残価２括方式の場合であっても、従来の残価設定方式の取扱と同一の業務フローのまま、従来の早期完済にともなう戻し手数料を７８分法による計算を自動的に行うことができる。 In the case of the residual value double payment method, two payments are made as compared with the conventional remaining payment setting method. For this reason, the fee calculation device 100 virtually assumes that the value obtained by adding 1 to the number of deferred months (the number of deferred months + 1) is n, and the difference in months between the first repayment year and the early completion year is m, The m-th return fee is calculated by the following formula (1).

In this way, even in the case of the two-batch residual value method, the fee calculation device 100 calculates the return fee associated with the conventional early payment in 78 minutes while maintaining the same business flow as handling the conventional residual value setting method. can be automatically calculated by

[3. Processing executed by fee calculation device 100]
Next, processing executed by the fee calculation device 100 will be described. FIG. 10 is a flow chart showing an overview of the processing executed by the fee calculation device 100. As shown in FIG.

As shown in FIG. 10, first, the application input processing unit 102a acquires the application-time account loan data 106c corresponding to the application information input via the input device 112, The rate pattern master 106b is referred to, and application input processing is executed to generate the scheduled repayment data 106d (step S101). FIG. 11 is a diagram explaining an overview of the application input process. As shown in FIG. 11, the application input processing unit 102a acquires an account loan data table T3 upon application from the account loan data 106c corresponding to the application information input via the input device 112, and A repayment schedule data table T4 is generated (developed) by referring to the master table T1 and the member store rate pattern master table T2.

Subsequently, the payment execution unit 102b executes payment execution processing for generating account transaction data to make the payment completed based on the application information (step S102). Specifically, the account transaction data table T5 shown in FIG. 6 described above is generated and placed in a payment completed state.

After that, the deposit processing unit 102c executes deposit processing for creating collection record data when the first payment amount (deferment fee) is input (step S103). FIG. 12 is a diagram for explaining the outline of deposit processing. As shown in FIG. 12, when the first payment (deferral fee) is input, the deposit processing unit 102c displays an account transaction data table T11 as the account transaction data 106e and a scheduled repayment data table T4 as the scheduled repayment data 106d. to create a collection performance data table T6, which is the collection performance data 106f.

なお、計算部１０２ｄは、戻し手数料の小数点を繰り上げて戻し手数料を計算する。ステップＳ１０４の後、手数料計算装置１００は、本処理を終了。 Next, the calculation unit 102d calculates the repayment schedule data 106d, the actual collection data 106f, the deferred commission (87,750) included in the application-time account loan data 106c, and the deferred month included in the fee rate pattern master by member store 106b. number (34), the first repayment date (2021/8), the transaction date (2022/7), and the full payment date (2022/7) included in the collection record data 106f, the unexpired period Execute the early redemption process to calculate the minute reversal fee. Specifically, the calculation unit 102d adds the deferment fee (87,750), the number of deferment months (34) included in the rate pattern master by member store 106b, and the first repayment year and month ( 2021/8), the transaction date (2022/7), and the completion date (2022/7) included in the collection record data 106f are substituted as in formula (2) to calculate the return fee. . Note that in formula (2), n=(34+1) and m=12 (2021/8-2022/7=12).

Note that the calculation unit 102d calculates the refund fee by rounding up the decimal point of the refund fee. After step S104, the fee calculation device 100 ends this process.

[4. Outline of receivables inquiry (early payment inquiry)]
Next, the display screen displayed on the monitor 114 by the output control unit 102e when there is a claim inquiry (early payment inquiry) will be described. FIG. 13 is a diagram showing an example of a display screen displayed on the monitor 114 by the output control unit 102e when there is a claim inquiry (early payment inquiry).

As shown in FIG. 13, the output control unit 102e causes the monitor 114 to display a bond inquiry screen P1 when there is a bond inquiry (early payment inquiry) from the user via the input device 112. FIG.

The bond inquiry screen P1 of FIG. 13 includes at least a bond No input form B1 in which the user can input a bond number (bond number) using the input device 112, and a scheduled payment date input form B2 in which the user can input a scheduled payment date. and a provisional amount input form B3 in which a provisional payment amount, which is the expected payment amount by early completion, can be entered. Further, the bond inquiry screen P1 includes at least a display area B4 in which unexpired fees (return fees) are displayed according to the receivable No., a display area B5 in which the amount billed this time is displayed, and a display area B5 for displaying the refund fee calculation. and a calculation icon A1 that accepts an input of an instruction signal.

The user operates the input device 112 to enter the bond number "100-0" in the bond number input form B1 on the bond inquiry screen P1, "2022/7/27" in the scheduled payment date input form B2, and "2022/7/27" in the provisional amount input form B3. When "0" is entered and the calculation icon A1 is pressed, as shown in FIG. The amount display area B5 displays "750,0000 (deferred principal) - 38,443 (return fee) = 711,557 (claimed amount)".

As a result, when there is an inquiry about a claim, the user can grasp the return fee even in the case of the residual value double-lump system, while maintaining the same business flow as handling the conventional residual value setting system.

According to the embodiment described above, it is possible to calculate the return fee even in the case of the residual value double-batch method while maintaining the same business flow as handling the conventional residual value setting method.

In addition, according to the embodiment, the calculation unit 102d calculates the return fee by the 78-minute method, so it is possible to calculate the correct return fee and prevent manual errors.

Further, according to the embodiment, since the calculation unit 102d calculates the amount billed by subtracting the refund fee from the deferred principal, it is possible to easily grasp the amount billed after deducting the refund fee.

Further, according to the embodiment, the output control unit 102e outputs the refund fee and the amount billed to the monitor 114, so that the user can intuitively grasp the refund fee and the amount billed.

[5. Contribution to the Sustainable Development Goals (SDGs) led by the United Nations]
Since this embodiment can contribute to improving operational efficiency and promoting appropriate management decisions of companies, it is possible to contribute to Goals 8 and 9 of the SDGs.

In addition, the present embodiment can contribute to the reduction of disposal loss and the promotion of paperless and computerization.

In addition, since this embodiment can contribute to strengthening control and governance, it is possible to contribute to Goal 16 of the SDGs.

[6. Other embodiments]
The present invention may be implemented in various different embodiments other than the embodiments described above within the scope of the technical idea described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be manually performed, or all of the processes described as being manually performed Alternatively, some can be done automatically by known methods.

In addition, unless otherwise specified, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed arbitrarily.

Also, with respect to the fee calculation device 100, each illustrated component is functionally conceptual, and does not necessarily need to be physically configured as illustrated.

For example, all or any part of the processing functions of the fee calculation device 100, especially the processing functions performed by the control unit, may be realized by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware by wired logic. The program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in this embodiment, and if necessary, the fee calculation device 100 mechanically read. That is, a storage unit such as a ROM or HDD (Hard Disk Drive) stores a computer program for giving commands to the CPU in cooperation with the OS to perform various processes. This computer program is executed by being loaded into the RAM and constitutes a control section in cooperation with the CPU.

Also, this computer program may be stored in an application program server connected to the fee calculation device 100 via any network, and it is possible to download all or part of it as necessary. be.

Also, the program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the term "recording medium" refers to memory cards, USB (Universal Serial Bus) memories, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (registered trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Versatile Disk), and Blu-ray (registered trademark) Disc, etc. shall include any "portable physical medium".

A "program" is a data processing method written in any language or writing method, regardless of the format such as source code or binary code. In addition, the "program" is not necessarily limited to a single structure, but is distributed as a plurality of modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in the embodiments, the installation procedure after reading, and the like.

The various databases stored in the storage unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks. It stores programs, tables, databases, files for web pages, and so on.

Further, fee calculation device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. Further, the fee calculation device 100 may be realized by installing software (including programs, data, etc.) that causes the device to realize the processing described in the present embodiment.

Furthermore, the specific forms of distribution and integration of devices are not limited to those shown in the figures, and all or part of them can be functionally or physically arranged in arbitrary units according to various additions or functional loads. It can be distributed and integrated. In other words, the embodiments described above may be arbitrarily combined and implemented, or the embodiments may be implemented selectively.

INDUSTRIAL APPLICABILITY The present invention is useful in the financial non-bank industry, etc., where early payment is possible in installment sales.

100 Fee calculation device 102 Control unit 102a Application input processing unit 102b Payment execution unit 102c Payment processing unit 102d Calculation unit 102e Output control unit 104 Communication interface unit 106 Storage unit 106a Fee master 106b Fee pattern master for each member store 106c Account loan data at the time of application 106d repayment schedule data 106e account transaction data 106f collection performance data 108 input/output interface unit 112 input device 114 output device 200 server 300 network

Claims (6)

A fee calculation device comprising a control unit,
a commission rate master in which a commission rate code is associated with a deferred commission rate code, the number of payments, and a commission rate;
a rate pattern master for each member store that associates a membership point code, a rate pattern, a deferred fee rate code, and a deferred number of months;
Account loan data at the time of application, in which the credit number is associated with the member store code, the rate pattern, the number of payments, the unit price, the down payment, the deferred principal, the first repayment date, and the deferred fee;
Repayment in which the final repayment year and month, the principal payment amount, and the fee payment amount are associated with each other, which is generated based on the fee rate master, the fee rate pattern master for each member store, and the account loan data at the time of application planned data and
account transaction data,
Collection performance data that associates the transaction date with the fee payment amount,
is accessible to
The control unit
Repayment for the unexpired period based on the scheduled repayment data, the actual collection data, the deferred fee, the number of deferred months, the first repayment date, the transaction date, and the completed payment date comprising a calculation unit for calculating a fee;
A fee calculation device characterized by: The fee calculation device according to claim 1,
The calculation unit
Based on the scheduled repayment data, the actual collection data, the deferment fee, the number of deferment months, the first repayment date, the transaction date, and the completion date, the return is performed by the 78-minute method calculating fees,
A fee calculation device characterized by: The fee calculation device according to claim 1 or 2,
The calculation unit
further calculating a claim amount by subtracting the reversal fee from the deferred principal amount;
A fee calculation device characterized by: The fee calculation device according to claim 3,
The control unit
further comprising an output control unit that outputs the return fee and the billed amount;
A fee calculation device characterized by: A fee calculation method executed by a fee calculation device comprising a control unit,
a commission rate master in which a commission rate code is associated with a deferred commission rate code, the number of payments, and a commission rate;
a rate pattern master for each member store that associates a membership point code, a rate pattern, a deferred fee rate code, and a deferred number of months;
Account loan data at the time of application, in which the credit number is associated with the member store code, the rate pattern, the number of payments, the unit price, the down payment, the deferred principal, the first repayment date, and the deferred fee;
Repayment in which the final repayment year and month, the principal payment amount, and the fee payment amount are associated with each other, which is generated based on the fee rate master, the fee rate pattern master for each member store, and the account loan data at the time of application planned data and
Collection performance data that associates the transaction date with the fee payment amount,
is accessible to
executed by the control unit;
Repayment for the unexpired period based on the scheduled repayment data, the actual collection data, the deferred fee, the number of deferred months, the first repayment date, the transaction date, and the completed payment date including a calculation step to calculate a fee;
A fee calculation method characterized by: A fee calculation program to be executed by a fee calculation device comprising a control unit,
a commission rate master in which a commission rate code is associated with a deferred commission rate code, the number of payments, and a commission rate;
a rate pattern master for each member store that associates a membership point code, a rate pattern, a deferred fee rate code, and a deferred number of months;
Account loan data at the time of application, in which the credit number is associated with the member store code, the rate pattern, the number of payments, the unit price, the down payment, the deferred principal, the first repayment date, and the deferred fee;
Repayment in which the final repayment year and month, the principal payment amount, and the fee payment amount are associated with each other, which is generated based on the fee rate master, the fee rate pattern master for each member store, and the account loan data at the time of application planned data and
Collection performance data that associates the transaction date with the fee payment amount,
is accessible to
for causing the control unit to execute
executed by the control unit;
Repayment for the unexpired period based on the scheduled repayment data, the actual collection data, the deferred fee, the number of deferred months, the first repayment date, the transaction date, and the completed payment date including a calculation step to calculate a fee;
A fee calculation program characterized by:

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