JP2023111374A - Residual value set credit management device, residual value set credit management method, and residual value set credit management program - Google Patents

Abstract

To provide a residual-value-set credit management device, a residual-value-set credit management method, and a residual-value-set credit management program, enabling the credit management in a residual value double payment method which can be handled in the same business flow in a credit management system of an existing residual-value-set system.SOLUTION: A control part of a residual-value-set credit management device includes the steps of: acquiring the account loan data at the time of application set in association with the store, down payment, deferred principal, and first repayment date when applying for installment sales with a residual value double payment method; and acquiring the repayment schedule data including a first repayment record set in association with the payment schedule year and month and the fee payment amount based on the rate pattern master by store, the commission rate master, and the account loan data at the time of application.SELECTED DRAWING: Figure 2

Description

The present invention relates to a residual value set claim management device, a residual value set claim management method, and a residual value set claim management program.

Patent Literature 1 discloses a configuration for providing a residual value setting type credit in which the number of payments is selected from 12, 24, or 36 times.

JP 2016-224827 A

However, in the invention described in Patent Document 1, it is said that it is not possible to manage receivables by the residual value double method, which is a residual value setting method in which there is no monthly payment between the first and last payments. I had a problem.

The present invention has been made in view of the above-mentioned problems, and enables the management of receivables in a dual residual value system that can be handled with the same business flow in existing receivables management systems that use the residual value setting method. It is an object of the present invention to provide a residual value setting claim management device, a residual value setting claim management method, and a residual value setting claim management program.

In order to solve the above-described problems and achieve the object, a residual value-set credit management device according to the present invention is a residual value-set credit management device comprising a storage unit and a control unit, wherein the storage unit comprises: Stores that perform installment sales and the fee rate pattern master for each store that is set by linking the number of months deferred in the payment method of the residual value dual payment method, and the fee rate master that is set by linking the number of payments and fee rates , wherein the control unit acquires account loan data at the time of application set by linking the store, down payment, deferred principal amount, and first repayment year and month at the time of applying for installment sales in the dual residual value method. based on the account loan acquisition means at the time of application, the rate pattern master for each store, the fee rate master, and the account loan data at the time of application, the scheduled payment date and the fee payment amount are linked and set repayment schedule acquisition means for acquiring repayment schedule data including repayment records.

Further, in the residual value setting claim management apparatus according to the present invention, the control unit performs a payment execution process based on the account loan data at the time of application and the scheduled repayment data, and It is characterized by further comprising an advance payment executing means for acquiring the payment balance including the fee payment amount and the account transaction data in which the completed payment category during the transaction is set.

Further, in the residual value setting claim management apparatus according to the present invention, when the control unit acquires initial deposit data of the fee payment amount in the first repayment date, The method further comprises payment processing means for executing an update process of the account transaction data with the amount obtained by subtracting the fee payment amount from the payment balance as the updated payment balance.

Further, in the residual value set credit management apparatus according to the present invention, the deposit processing means further acquires collection performance data in which the fee payment amount is set based on the initial deposit data.

Further, in the residual value set credit management apparatus according to the present invention, the account loan acquisition means at the time of application displays the application screen when an application screen display request is input at the time of applying for the installment sale in the residual value double payment method. When the store, main body price, down payment, and first repayment date are set on the application screen, the account loan data at the time of application is acquired.

Further, in the residual value-set claim management apparatus according to the present invention, when a residual value re-division request in which the number of times of re-division is set is input in the final payment date, the control unit controls the account loan data at the time of application, the Based on the residual value subdivision request and the fee rate master, the repayment amount is calculated, and the repayment schedule is set by linking the scheduled repayment year and month, the repayment monthly amount, and the repayment monthly amount. It is characterized by further comprising re-dividing means for acquiring schedule data.

Further, in the residual value setting claim management apparatus according to the present invention, the scheduled payment data further includes a final payment record set by linking the scheduled payment date and the deferred principal amount of the deferred principal. It is characterized by

Further, in the residual value setting claim management apparatus according to the present invention, when the deposit processing means acquires the final deposit data of the deferred principal in the final repayment date, the collection It is characterized in that the deferred original amount is set in the performance data.

Further, a residual value-set claim management method according to the present invention is a residual value-set claim management method to be executed by a residual value-set claim management apparatus comprising a storage unit and a control unit, wherein the storage unit comprises an installment payment A rate pattern master for each store that is set by linking the store where the sale is made and the number of months deferred in the payment method of the residual value double payment method, a fee rate master that is set by linking the number of payments and the fee rate, is executed by the control unit, and when applying for installment sales in the dual residual value method, account loan data at the time of application set by linking the store, down payment, deferred principal, and first repayment year and month Based on the account loan acquisition step to be acquired, the rate pattern master by store, the commission rate master, and the account loan data at the time of application, the scheduled payment date and the fee payment amount are linked and set. and a repayment schedule acquisition step of acquiring repayment schedule data including the first repayment record.

Further, a residual value setting claim management program according to the present invention is a residual value setting claim management program to be executed by a residual value setting claim management apparatus comprising a storage unit and a control unit, wherein the storage unit comprises: A rate pattern master for each store that is set by linking the store where the sale is made and the number of months deferred in the payment method of the residual value double payment method, a fee rate master that is set by linking the number of payments and the fee rate, wherein the control unit acquires account loan data at the time of application, which is set by linking the store, the down payment, the deferred principal amount, and the first repayment year and month when applying for installment sales in the dual residual value method. First repayment set by linking the scheduled payment date and fee payment amount based on the account loan acquisition step at the time of application, the rate pattern master by store, the commission rate master, and the account loan data at the time of application and a repayment schedule acquisition step of acquiring repayment schedule data including records.

Advantageous Effects of Invention According to the present invention, it is possible to discover the needs of a user who has excess cash and wants to repay the amount corresponding to the monthly repayment of a normal residual value setting method loan at the first time. Moreover, according to the present invention, since the residual value is set, there is an effect that the burden of the initial payment amount is reduced compared to the lump-sum payment. Moreover, according to the present invention, since there is a need as a product, there is an effect that the number of contracts and sales can be improved. Moreover, according to the present invention, it is possible to generate repayment schedule data for the initial payment and the final remaining balance from the contract data and various masters. Moreover, according to the present invention, there is an effect that it can be applied to products other than automobiles, such as mobile phones, which have regular replacement demand and whose second-hand value is maintained to some extent. In addition, according to the present invention, there is an effect that it is possible to deal with a wide range of payment patterns for residual value setting. In addition, according to the present invention, there is an effect that it is possible to manage the payment method in a total of two times, the initial repayment (breakdown: principal (down payment) and deferment fee) and the final repayment (breakdown: deferred principal). play.

FIG. 1 is a diagram showing an example of residual value setting credit management processing in this embodiment. FIG. 2 is a block diagram showing an example of the configuration of the residual value setting credit management apparatus according to this embodiment. FIG. 3 is a flow chart showing an example of processing of the residual value setting bond management apparatus in this embodiment. FIG. 4 is a diagram showing an example of a residual value setting credit management process in this embodiment. FIG. 5 is a diagram showing an example of residual value setting credit management processing in this embodiment. FIG. 6 is a diagram showing an example of residual value setting credit management processing in this embodiment. FIG. 7 is a diagram showing an example of residual value setting credit management processing in this embodiment. FIG. 8 is a diagram showing an example of an application screen in this embodiment.

An embodiment of the present invention will be described in detail based on the drawings. In addition, this invention is not limited by this embodiment.

[1. overview]
First, the outline of the present invention will be described with reference to FIG. FIG. 1 is a diagram showing an example of residual value setting credit management processing in this embodiment.

Conventionally, in the credit business, there is a business that receives a commission for installment sales, and there is a method of setting a residual value for a part of the principal in the final installment payment method in the payment method of installment sales. Until the final payment (residual value), the principal and fees are proportionally divided according to the repayment period, and a payment method is used in which monthly payments are made.

Therefore, conventionally, it was not possible to handle a loan with a residual value set in a double payment because the receivables management of the residual value double payment method could not be performed.

Therefore, in this embodiment, as shown in FIG. 1, a payment method with a pattern in which there is no monthly payment between the first and last payments (a period of 3 months or more in which there is one or more provisional payments) We provide a mechanism that enables the management of receivables by the residual value dual method).

[2. composition]
An example of the configuration of the residual value setting bond management device 100 according to this embodiment will be described with reference to FIG. FIG. 2 is a block diagram showing an example of the configuration of the residual value setting bond management device 100 in this embodiment.

As shown in FIG. 2, the residual value setting credit management device 100 is a commercially available desktop personal computer. Note that the residual value setting credit management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may be a commercially available notebook personal computer, PDA (Personal Digital Assistants), a smart phone, a tablet personal computer, or the like. may be a portable information processing apparatus.

The residual value setting bond management device 100 includes a control section 102 , a communication interface section 104 , a storage section 106 and an input/output interface section 108 . Each part provided in the residual value setting credit management apparatus 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the residual value-setting claim management apparatus 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 residual value setting claim management apparatus 100 and the server 200 so as to be able to communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

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 touch panel), 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 or the printer 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. The storage unit 106 includes a store-by-store rate pattern master 106a, a commission rate master 106b, and a transaction database 106c.

The store-by-store rate pattern master 106a is a master in which stores that perform installment sales and the number of months of deferment for each payment method are set in association with each other. Here, in the rate pattern master 106a for each store, stores (member stores) that perform installment sales, rate patterns, repayment flags, and the number of deferment months in a payment method such as the residual value double payment method are linked and set. good too.

The commission rate master 106b is a master in which the number of payments and the commission rate are associated and set. Here, as the commission rate master 106b, a commission rate master in which the commission rate, the usage rate pattern, the number of payments, and the commission rate are linked and set may be set.

Transaction database 106c stores transaction data for installment sales. Here, the transaction data may include account loan data upon application, repayment schedule data, account transaction data, initial deposit data, collection performance data, repayment schedule data, and final deposit data.

The control unit 102 is a CPU or the like that comprehensively controls the residual value-set credit management apparatus 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 functionally and conceptually includes an application-time account loan acquisition unit 102a, a repayment schedule acquisition unit 102b, an advance payment execution unit 102c, a deposit processing unit 102d, and a subdivision unit 102e.

The application-time account loan acquisition unit 102a associates and sets the store (member store of installment sales), rate pattern, number of payments, body price, down payment, deferred principal, first repayment date, and/or deferred commission. Acquire account loan data at the time of application. Here, the bank loan acquisition unit 102a acquires the bank loan data at the time of application, which is set by linking the store, the down payment, the deferred principal amount, and the first repayment year and month at the time of applying for the installment sale in the residual value double payment method. may be obtained. In addition, when an application screen display request is input at the time of applying for installment sales in the residual value double payment method, the application account loan acquisition unit 102a displays the application screen, and displays the store, main unit price, down payment, In addition, when the first repayment date is set, the account loan data at the time of application may be obtained.

The repayment schedule acquisition unit 102b acquires repayment schedule data including an initial repayment record in which the scheduled payment date and the fee payment amount are set in association with each other. Here, the repayment schedule acquisition unit 102b links the scheduled payment year and month and the fee payment amount based on the store-by-store rate pattern master 106a, the fee rate master 106b, and the account loan data at the time of application. Repayment schedule data including repayment records may be obtained. Further, the scheduled repayment data may include a final repayment record in which the scheduled payment date and the deferred principal amount of the deferred principal are set in association with each other.

The payment execution unit 102c executes payment execution processing. Here, on the basis of the account loan data at the time of application and the scheduled repayment data, the advance execution unit 102c, as the advance execution processing, calculates the advance balance obtained by adding the deferred principal amount and the fee payment amount, and the transaction You may acquire the account transaction data which set the complete payment division in the middle.

The deposit processing unit 102d executes deposit processing. Here, when the first payment data of the fee payment amount is acquired in the first payment year and month, the payment processing unit 102d updates the amount obtained by subtracting the fee payment amount from the advance balance set in the account transaction data as payment processing. You may perform the update process of the account transaction data used as the payment balance of . Also, the deposit processing unit 102d may acquire collection performance data in which the fee payment amount is set based on the initial deposit data. Further, when the deposit processing unit 102d acquires the final deposit data of the deferred principal in the final repayment year and month, the deposit processing unit 102d may set the deferred principal amount in the collection performance data based on the final deposit data.

The re-dividing unit 102e executes a residual value re-dividing process. Here, when a residual value re-division request with the number of times of re-division set is input in the final payment year and month, the re-division unit 102e sends the account loan data at the time of application, the residual value re-division request, and the fee rate master 106b. Based on, the repayment schedule data may be obtained in which the repayment schedule year and month, the repayment monthly amount, and the repayment monthly amount are linked and set.

[3. Concrete example]
A specific example of this embodiment will be described with reference to FIGS. 3 to 8. FIG.

[Residual value setting credit management processing]
Here, with reference to FIG. 3, an example of the residual value setting credit management process in this embodiment will be described. FIG. 3 is a flow chart showing an example of processing of the residual value setting bond management device 100 in this embodiment.

As shown in FIG. 3, when an application screen display request is input by the user through the input device 112 when applying for installment sales in the residual value double payment method, the account loan acquisition unit 102a outputs an application screen. Displayed on the device 114, the member store of installment sales, the rate pattern, the number of payments, the unit price, the down payment, and the first repayment date are set on the application screen by the user via the input device 112, the member store, Acquire application-time account loan data in which the rate pattern, number of payments, body price, down payment, deferred principal amount, and first repayment date are set (step SA-1).

Then, the repayment schedule acquisition unit 102b, based on the store-by-store rate pattern master 106a, the fee rate master 106b, and the account loan data at the time of application, the scheduled payment date, the total payment amount, the fee payment amount, and The first repayment record set by linking the total balance after payment, the scheduled payment date, the scheduled payment date, the total payment amount, the principal payment amount that is the deferred principal amount, and the total balance after payment. Repayment schedule data including the last repayment record that was set as an attachment is obtained (step SA-2).

Then, based on the account loan data at the time of application and the scheduled repayment data, the advance execution unit 102c, as the advance execution processing, calculates the amount of the outstanding amount to be paid, which is the sum of the amount of the deferred principal and the fee payment amount, and account transaction data in which the complete payment classification of is set (step SA-3).

Then, the deposit processing unit 102d acquires the initial deposit data of the fee payment amount in the first repayment year and month, and as the deposit processing, updates the amount obtained by subtracting the fee payment amount from the advance balance set in the account transaction data. The account transaction data used as the balance is updated, and based on the initial deposit data, the collection record data in which the fee payment amount is set is obtained (step SA-4).

Then, the re-dividing unit 102e determines whether or not the user has input a residual value re-dividing request in which the number of times of re-dividing is set via the input device 112 in the final payment date (step SA-5).

Then, if the resplitting unit 102e determines that a residual value resplitting request in which the number of times of resplitting is set is input in the final payment date (step SA-5: Yes), the process proceeds to step SA-6. .

Then, the subdivision unit 102e calculates the repayment fee amount based on the application-time account loan data, the residual value redivision request, and the fee rate master 106b, The repayment schedule data set by linking the total monthly payment amount, monthly principal repayment amount, monthly repayment fee amount, and total post-payment balance is obtained (step SA-6), and the process is terminated.

On the other hand, if the resplitting unit 102e determines that a request for resplitting the residual value in which the number of times of resplitting is set has not been input in the final payment date (step SA-5: No), the process proceeds to step SA-7. migrate.

Then, the deposit processing unit 102d determines whether or not the final deposit data of the deferred principal has been acquired in the final repayment year/month (step SA-7).

Then, when the deposit processing unit 102d determines that the final deposit data of the deferred principal is not acquired in the final repayment year/month (step SA-7: No), the process proceeds to step SA-8.

Then, the member store receives the return of the installment sales product from the customer (Step SA-8), and ends the processing.

On the other hand, when the deposit processing unit 102d determines that the final deposit data of the deferred principal has been obtained in the final repayment year/month (step SA-7: Yes), the process proceeds to step SA-9.

Then, the deposit processing unit 102d updates the collection performance data by setting the deferred principal amount as the principal payment amount in the collection performance data based on the final deposit data (step SA-9), and ends the process. .

Here, an example of the residual value setting credit management process according to the present embodiment will be described with reference to FIGS. 4 to 7. FIG. 4 to 7 are diagrams showing an example of the residual value setting credit management process in this embodiment.

As shown in FIG. 4, in the present embodiment, when application data is input by the user, the repayment schedule is expanded to "deferred principal x annual rate set in fee rate master 106b/12 x deferred period". "Deferment fee" is calculated.

Then, as shown in FIG. 5, in the present embodiment, based on the application data, the payment is completed.

Then, as shown in FIG. 6, when the first repayment (deferment fee) is received, a collection record is created.

Then, as shown in FIG. 7, in the present embodiment, (1) full payment processing is executed by depositing the final repayment amount (deferred principal), and (2) full payment processing is executed by returning the main installment sales item. Alternatively, (3) residual value re-division processing, which is a restructuring of installment payments using the residual value as principal, is selected.

An example of the application screen in this embodiment will be described with reference to FIG. FIG. 8 is a diagram showing an example of an application screen in this embodiment.

As shown in FIG. 8, in this embodiment, it is possible to manage not only the application for the receivable management of the residual value dual lump sum method, but also the application for the receivable management of the normal residual value setting method by inputting to the same items. ing.

[4. 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.

[5. 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 residual value setting claim management apparatus 100, each component shown in the figure is functionally conceptual, and does not necessarily need to be physically configured as shown in the figure.

For example, all or any part of the processing functions of the residual value-setting claim management apparatus 100, particularly each processing function performed by the control unit 102, is executed by a CPU and a program interpreted and executed by the CPU. 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 apparatus to execute the processing described in this embodiment, and the residual value is set as necessary. It is mechanically read by the receivables management apparatus 100 . 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.

In addition, this computer program may be stored in an application program server connected to the residual value setting claim management apparatus 100 via any network, and all or part of it may be downloaded as necessary. is also possible.

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 present embodiment, the installation procedure after reading, and the like.

The various databases and the like stored in the storage unit 106 are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks. programs, tables, databases, and files for web pages.

Further, the residual value setting claim management 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. . Also, the residual value setting bond management device 100 may be implemented by installing software (including programs, data, etc.) for realizing the processing described in the present embodiment.

Furthermore, the specific form of distribution and integration of devices is not limited to the one shown in the figure, 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 industries such as the financial industry that manages installment payments such as non-banks.

100 Residual value setting credit management device 102 Control unit 102a Account loan acquisition unit 102b Repayment schedule acquisition unit 102c Advance execution unit 102d Payment processing unit 102e Subdivision unit 104 Communication interface unit 106 Storage unit 106a Rate pattern master for each store 106b Commission rate master 106c transaction database 108 input/output interface unit 112 input device 114 output device 200 server 300 network

Claims (10)

A residual value setting credit management device comprising a storage unit and a control unit,
The storage unit
A rate pattern master for each store, which is set by linking the store that performs installment sales and the number of months deferred in the payment method of the residual value dual payment method,
A fee rate master that is set by linking the number of payments and the fee rate,
with
The control unit
an application-time account loan obtaining means for obtaining application-time account loan data set in association with the store, the down payment, the deferred principal amount, and the first repayment year and month when applying for installment sales in the residual value dual lump sum method;
Based on the rate pattern master by store, the fee rate master, and the account loan data at the time of application, the scheduled payment data including the first repayment record set by linking the scheduled payment year and month and the fee payment amount is acquired. a repayment schedule acquisition means for
A residual value setting credit management device comprising: The control unit
Based on the account loan data at the time of application and the scheduled repayment data, as advance execution processing, the advance balance obtained by adding the deferred principal amount and the fee payment amount of the deferred principal and the complete payment classification during the transaction are calculated. payment execution means for acquiring set account transaction data;
2. The residual value setting credit management apparatus according to claim 1, further comprising: The control unit
When the first payment data of the fee payment amount is acquired in the first payment year and month, as payment processing, the amount obtained by subtracting the fee payment amount from the advance payment balance set in the account transaction data is the updated advance payment balance. payment processing means for executing update processing of the account transaction data,
3. The residual value setting credit management apparatus according to claim 2, further comprising: The deposit processing means
4. The residual value setting credit management apparatus according to claim 3, further comprising the acquisition of collection performance data in which the fee payment amount is set based on the initial deposit data. The account loan acquisition means at the time of application,
When an application screen display request is entered at the time of applying for installment sales under the residual value double payment method, the application screen is displayed, and the store, unit price, down payment, and first repayment year are displayed on the application screen. 4. The residual value setting claim management apparatus according to any one of claims 1 to 3, wherein the account loan data at the time of application is acquired when a month is set. The control unit
If a request for re-division of the residual value with the number of times of re-division is entered in the final payment date, re-pay the commission based on the above-mentioned account loan data at the time of application, the above-mentioned request for re-division of the residual value, and the above-mentioned master of commission rate Re-dividing means for calculating the amount and acquiring repayment schedule data set by linking the repayment schedule year and month, repayment monthly amount, and repayment monthly amount,
6. The residual value setting credit management apparatus according to any one of claims 1 to 5, further comprising: The repayment schedule data is
2. The residual value setting credit management apparatus according to claim 1, further comprising a final repayment record in which the scheduled payment date and the deferred principal amount of the deferred principal are set in association with each other. The deposit processing means
5. The method according to claim 4, wherein, when the final payment data of the deferred principal is obtained in the final repayment year and month, the deferred principal amount is set in the collection record data based on the final payment data. residual value setting receivables management device. A residual value setting claim management method to be executed by a residual value setting claim management device comprising a storage unit and a control unit, comprising:
The storage unit
A rate pattern master for each store, which is set by linking the store that performs installment sales and the number of months deferred in the payment method of the residual value dual payment method,
A fee rate master that is set by linking the number of payments and the fee rate,
with
to be executed by the control unit;
a step of obtaining an account loan upon application for acquiring account loan data upon application set in association with the store, the down payment, the deferred principal amount, and the first repayment year and month when applying for the installment sale under the residual value dual lump sum method;
Based on the rate pattern master by store, the fee rate master, and the account loan data at the time of application, the scheduled payment data including the first repayment record set by linking the scheduled payment year and month and the fee payment amount is acquired. a repayment schedule obtaining step for
A residual value setting credit management method comprising: A residual value setting claim management program to be executed by a residual value setting claim management device comprising a storage unit and a control unit,
The storage unit
A rate pattern master for each store, which is set by linking the store that performs installment sales and the number of months deferred in the payment method of the residual value dual payment method,
A fee rate master that is set by linking the number of payments and the fee rate,
with
In the control unit,
a step of obtaining an account loan upon application for acquiring account loan data upon application set in association with the store, the down payment, the deferred principal amount, and the first repayment year and month when applying for the installment sale under the residual value dual lump sum method;
Based on the rate pattern master by store, the fee rate master, and the account loan data at the time of application, the scheduled payment data including the first repayment record set by linking the scheduled payment year and month and the fee payment amount is acquired. a repayment schedule obtaining step for
Residual value setting receivables management program for executing

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