JP4252267B2 - Credit amount calculation method and bank system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a credit amount calculating method and a bank system , and more specifically, a credit amount calculating method and a bank for calculating a use limit for overtaking a deposit account based on a salary deposited in the deposit account. About the system .
[0002]
[Prior art]
Conventionally, an ordinary account is overwritten to a customer who uses a general account within the limit corresponding to the balance of the time deposit account. This is equivalent to lending interest-bearing funds secured by the balance of time deposits. For example, the balance of the savings account may be overdrafted, such as when there is a withdrawal of utility bills before the salary transfer date. Even in such a case, the withdrawal can be made, which is convenient for both the withdrawal and the depositor.
[0003]
In addition, funds are lent out without interest for a certain period of time. For example, since the repayment is surely performed by paying a salary for a certain period before the scheduled date of paying the salary, it is used as a method for promoting the lending of interest by facilitating the lending and borrowing of funds.
[0004]
[Problems to be solved by the invention]
However, even if it is a savings account to which salary is transferred, the above-described overdraft is not performed unless a time deposit account is opened. Moreover, since it corresponds to interest lending, there is a problem that the depositor is less interested in paying interest or paying the arrears to the withdrawal.
[0005]
On the other hand, even for interest-free lending for a certain period, it is necessary to make a credit decision based on the user's declaration, so the convenience of the user and the business efficiency of the lender are both low There was a problem. Another problem is that if the number of interest-bearing users does not increase, management efficiency will deteriorate.
[0006]
The present invention has been made in view of such a problem, and an object of the present invention is to provide a credit amount calculation method and a bank that can lend funds by making a credit judgment from the actual product of the deposit. To provide a system .
[0007]
[Means for Solving the Problems]
In order to achieve such an object, the present invention is connected to an exchange system, an automatic utility bill transfer system, and a billing system, and deposits and withdrawals between each system and a deposit account. A credit amount calculation method in a bank system , comprising: a deposit system that aggregates data; and a fund management system that calculates a use limit amount for overwriting the deposit account based on a salary amount deposited into the deposit account in, among withdrawal aggregated data to the deposit system, the past from exchange system is credited to the account N months (N is an integer) extracts withdrawal data, to the input payment data the date of payment that is included, with reference to the payment individuals and deposit amount, the cash management system, the monthly specific date or before or after the applicant who has been specified, from a specific payment people A determining step of determining whether or not there is a deposit of more than a predetermined amount, when it is determined that there is a payment in the determination step, the above payment is the predetermined amount as salary, the specific date A first storage step of storing in the storage unit of the fund management system as a salary payment date; and the fund management system stores the salary amount for M months (M is an integer) of the deposit account stored in the storage unit. extracted, a second storing step of storing in the storage unit as a disposable salary to calculate the average value of that, by referring to the multiplying factor table stored in the storage unit, the cash management system, the And a calculating step of calculating a usage limit by multiplying the disposable salary amount by a predetermined multiplier set in accordance with the disposable salary amount .
[0008]
According to a second aspect of the present invention, in the credit amount calculating method according to the first aspect, the determining step is performed by transferring money from the deposit / withdrawal data collected in the deposit system to the deposit account. In addition, by extracting salary transfer data related to salary for the past N months (N is an integer) and referring to the salary amount and salary payment date included in the salary transfer data, the cash management system receives the information from a specific depositor. And determining whether or not there is a deposit of a predetermined amount or more, and when the first storing step determines that there is a deposit in the determining step, the salary amount and the salary deposit date are stored in the storage unit. It is characterized by storing .
[0009]
According to a third aspect of the present invention, in the credit amount calculation method according to the first or second aspect, the automatic transfer from the deposit account is performed by the public utility automatic transfer system from the deposit / withdrawal data collected in the deposit system. Extracting the public utility charge deduction data for the public utility charges, and the fund management system includes calculating an average value of the public utility charge deductions for M months (M is an integer), the second storing step Is characterized by subtracting the average value of the deduction of the utility bill from the average value of the salary amount to obtain a disposable salary amount.
[0010]
Invention according to claim 4, in credit amount calculating method according to claim 1, 2 or 3, and extracted loan repayment data relating to the loan payments which are automatically transferred from the bank account by the loan system, the The fund management system includes a step of calculating an average value of the loan repayment amount for M months (M is an integer), and the second storing step calculates an average value of the loan repayment amount from the average value of the salary amount. It is characterized by deducting the salary for disposal.
[0011]
The invention according to claim 5 is a deposit system connected to a currency exchange system, an automatic utility bill transfer system, and a billing system, and aggregates deposit / withdrawal data between each system and a deposit account, and is deposited into the deposit account. A bank management system that calculates a credit limit for overdraft of the deposit account based on a salary amount of the deposit, wherein the fund management system is configured to store the deposit / withdrawal data collected in the deposit system. From the inside, extract the deposit / withdrawal data for the past N months (N is an integer) deposited in the deposit account from the exchange system, and refer to the deposit date, depositor and deposit amount included in the deposit / withdrawal data to, before and after each month specific date or the applicant who has designated, from a particular deposit humans, a determination unit configured to determine whether there is a deposit of more than a predetermined amount, the determination hand In the case where it is determined that there is payment, the a predetermined amount or more payment is a salary, and stored in the storage means the specific date as the salary payment date, and the deposits stored in the storage means multiplying factor (M is an integer) M month's account extracts the salary, and storage means for storing in the memory means as a disposable salary to calculate the average value of their, stored in said storage means Referring to the table, a calculating means for calculating a usage limit by multiplying the disposable salary by a predetermined multiplier set in accordance with the disposable salary is provided.
[0012]
According to a sixth aspect of the present invention, the determination means according to the fifth aspect provides the past N months of the deposit / withdrawal data collected in the deposit system transferred to the deposit account from the exchange system ( Whether or not there is a deposit greater than or equal to a predetermined amount from a specific depositor with reference to the salary amount and salary receipt date included in the salary transfer data. The storage means stores the salary amount and the salary payment date in the storage means when it is determined that there is a deposit in the determination step .
[0013]
The invention according to claim 7 is the bank system according to claim 5 or 6, wherein the deposit account data collected in the deposit system is automatically transferred from the deposit account by the utility fee automatic transfer system . extracts utility bills withdrawal data relating to utility bills, M months (M is an integer) comprises means for calculating an average value of the utility bill withdrawal amount of the storage means, wherein the average value of the salary It is characterized by deducting the average value of public utility charges and making it disposable salary.
[0014]
The invention according to claim 8 is the bank system according to claim 5, 6 or 7, wherein the loan repayment data relating to the loan repayment amount automatically transferred from the deposit account by the loan system is extracted , and M months Means for calculating an average value of the loan repayment amount (M is an integer), and the storage means subtracts the average value of the loan repayment amount from the average value of the salary amount to obtain a disposable salary amount. Features.
[0015]
The invention according to claim 9 is a program for causing a computer to execute the steps according to any one of claims 1 to 4.
[0016]
A tenth aspect of the present invention is a computer-readable recording medium that records a program for causing a computer to execute the steps according to any one of the first to fourth aspects.
[0017]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The present invention lends funds without interest according to the salary transfer amount to a customer who has opened a savings account for which salary transfer is performed by a currency exchange system for a certain period before the scheduled salary payment date, or a savings account An example of a cash management service for overdrafting will be described. The present invention relates to a method and apparatus for calculating a use limit amount, that is, a credit amount in a fund management service.
[0018]
FIG. 1 is a schematic diagram showing a bank system according to an embodiment of the present invention. A bank system 100 includes a general-purpose computer 102 capable of performing EB (Electronic Banking), a bank counter terminal 103, an ATM (Automatic Teller's Machine) 104, and a telephone terminal 105 for performing telephone banking via a network 101. And connected to. The bank system 100 includes an FEP (Front-End Processor) 111 that is connected to the network 101 and performs communication processing, a database 112 that stores customer information, and a deposit system 113 that manages deposit accounts. .
[0019]
The deposit system 113 is connected to each of the exchange system 114, the automatic utility bill transfer system 115, and the fund management system 117 according to the present invention, and manages the deposit and withdrawal of the deposit account. In addition to deposits and withdrawals related to general exchange transactions, the exchange system 114 can handle employee salary transfers by contracts with companies and the like. The exchange system 114 transmits salary transfer data to the deposit system 113 on a predetermined salary deposit date every month. The utility bill automatic transfer system 115 is a system for automatically transferring utility bills according to a contract with a company or the like, and transmits utility bill withdrawal data to the deposit system 113 on a predetermined withdrawal day every month.
[0020]
The fund management system 117 includes an accreditation frame calculation system 121 that calculates a lending usage limit, a storage unit 122 that stores a multiplication rate table that is a basis for the calculation, and files necessary for providing a fund management service. And a billing system 123 for creating
[0021]
FIG. 2 is a flowchart showing a calculation method of the limit of use in the fund management service according to the embodiment of the present invention. When receiving an application for fund management service from the applicant through the general-purpose computer 102 (S21), the FEP 111 updates the customer information in the database 112 (S22). The money management system 117 acquires, from the deposit system 113, salary transfer data related to salary transferred from the exchange system 114 and utility fee withdrawal data transferred to the utility fee automatic transfer system 115 based on the customer information.
[0022]
In addition, the fund management system 117 acquires loan repayment data from the loan system 118. From the average salary calculated from the salary transfer data, the disposable salary is calculated by subtracting the utility fee deduction amount calculated from the utility fee deduction data and the loan average repayment amount calculated from the loan repayment data (S23). Based on the disposable salary amount and the multiplication factor table of the storage unit 122, the usage limit is calculated (S24).
[0023]
Since the fund management service lends funds using the monthly salary transfer as a repayment fund, or borrows a deposit account, it is possible to calculate the usage limit, that is, the credit amount as described above. If lending money without interest, it can be regarded as a pre-borrow or advance on the premise of a payroll transfer for depositors. A service that lends funds with interest according to the amount of salary transfer by changing the period before the scheduled date of paying the salary is also conceivable.
[0024]
FIG. 3 is a flowchart showing a method for calculating the disposable salary based on the salary transfer data from the exchange system. The detail of step S23 shown in FIG. 2 is shown. The money management system 117 acquires salary transfer data, utility charge withdrawal data, and loan repayment data (S31). It is determined whether or not the acquired salary transfer data has been prepared for N months continuously. If it has not been prepared (S32), the use of the money management service is disabled.
[0025]
If N months have been collected continuously (S32), it is confirmed that there is a salary transfer for N months on or before or after the salary payment date designated by the applicant. In this way, the salary amount, which is the amount of the transferred salary, and the salary receipt date including handling when the salary receipt date is a holiday are set in the storage unit 122 from the salary transfer data for N months ( S33).
[0026]
Further, it is confirmed whether or not the acquired salary transfer data has been prepared for M months and the salary transfer has been made (S34). If confirmation is made for M months or more, the average salary for M months is set in the storage unit 122 as the average salary (S35). When only less than M months can be confirmed, the minimum salary amount for the period is set in the storage unit 122 as the average salary amount (S36). The disposable salary is obtained by subtracting the amount of public utility deduction and the average loan repayment from the set average salary (S37).
[0027]
In the present embodiment, the disposable salary amount is calculated based on the salary transfer data from the exchange system 114. For example, from the deposit / withdrawal data of the deposit system 113, from a specific depositor on a specific date every month. When there is a deposit greater than a predetermined amount, the deposited amount may be calculated by regarding the deposited amount as a salary amount and using a specific date as the salary deposit date. If there is a transfer deposit on a specific date every month, the transfer person is specified as the depositor. In the case of cash deposit, for example, the depositor is specified by presenting the fund management service service code, customer ID, etc. and depositing.
[0028]
In addition, when an application is received through the accounting department of a company that performs salary transfer, the steps S31 and S32 are omitted, the salary payment date is set according to the contents of the application, etc., and the steps S34, S35, and S37 are performed. Processing may be performed.
[0029]
Furthermore, although the amount of public utility charges and loan repayment are subtracted from the average salary, other account items with a certain amount of money withdrawn from the deposit account every month may also be subtracted from the average salary.
[0030]
FIG. 4 is a flowchart showing a method of calculating the usage limit based on salary transfer data from the exchange system. Details of step S24 shown in FIG. 2 will be described. The money management system 117 calculates the usage limit A1 based on the multiplier table stored in the storage unit 122 from the disposable salary calculated by the method shown in FIG. 3 (S41). The usage limit A2 designated by the applicant is acquired (S42), and both are compared (S43). If A1 ≧ A2, A2 is set as the usage limit (S44), and if A1 <A2, A1 is set as the usage limit (S45). If A1 ≧ A2, the applicant may be inquired, and the application may be accepted again within the amount range of A1 or less.
[0031]
FIG. 5 is a flowchart showing a method for updating the usage limit. First, the current limit amount B1 is acquired (S51). The fund management system 117 calculates the limit amount B2 based on the multiplier table stored in the storage unit 122 from the most recent M months disposable salary obtained by the method shown in FIG. 3 (S52). . Both are compared (S53). If B2 ≧ B1, B1 is set as the usage limit (S54), and if B2 <B1, B2 is set as the usage limit (S55). If B2 ≧ B1, the applicant may be inquired, and the designation of the usage limit amount may be accepted again within the amount range of B2 or less.
[0032]
In this way, the authorization frame calculation system 121 of the fund management system 117 calculates necessary parameters such as the salary payment date, the disposable salary amount, and the usage limit amount, and sets them in the storage unit 122. The account system 123 creates a file necessary for the deposit system 113 to provide a fund management service based on the parameters set in the storage unit 122 and adds the file to the deposit system 113.
[0033]
FIG. 6 shows an example of the multiplication factor table. In the multiplication rate table stored in the storage unit 122, for example, the multiplication rate is determined according to the amount of the disposable salary and the usage period of the money management service. The money management system 117 calculates the limit of use = disposable salary × multiplier rate. In the multiplier table, for example, the multiplier may be set in consideration of the usage period of the ordinary deposit account, the presence or absence of a fixed deposit account, and the like.
[0034]
FIG. 7 is a flowchart showing a method for using the fund management service according to an embodiment of the present invention. When the applicant for the fund management service withdraws funds from the ordinary deposit account, the deposit system 113 checks the withdrawal amount and the account balance (S71). If the account balance is equal to or greater than the withdrawal amount, normal withdrawal is performed without using the fund management service (S72). If the account balance is less than the withdrawal amount, the file acquired from the account system 123 of the fund management system 117 is referred to and checked including the usage limit (S73).
[0035]
If the account balance + usage limit <withdrawal amount, the withdrawal of funds is not performed, and the applicant is notified to that effect (S74). If the account balance + usage limit ≥ withdrawal amount, the applicant is inquired of the necessity of using the fund management service (S75), and if used, the funds are withdrawn (S76). If not used, funds are not withdrawn (S77), and the process ends.
[0036]
According to the present embodiment, funds are lent out by calculating a usage limit from salary transfer data to a customer who has opened a savings account for which salary transfer is performed. Accordingly, the depositor can easily obtain credit from the actual product of the salary transfer, and it is not necessary to submit documents such as annual income certificate and seal certificate that were conventionally required for credit operations. In addition, even if there is a deposit more than a predetermined amount from a specific depositor on a specific date every month, the amount of money received is regarded as a salary amount, and a loan is calculated by calculating the usage limit. It can be carried out.
[0037]
On the other hand, the bank does not need to review the documents described above, and the efficiency of credit operations can be improved. In addition, if the withdrawal of funds before the scheduled salary payment date is promoted, the window service concentrated at the end of the month can be distributed. It can also facilitate the lending and borrowing of funds and open up new customer segments.
[0038]
【The invention's effect】
As described above, according to the present invention, the salary amount and salary payment date are set based on the salary transfer data for the past N months of the deposit account, and the average value of the salary amount for M months is calculated. The amount of use is calculated by multiplying the amount of disposable salary by a predetermined multiplier, so it is possible to lend funds by judging credit from the actual product of salary transfer. It becomes.
[Brief description of the drawings]
FIG. 1 is a schematic diagram showing a bank system according to an embodiment of the present invention.
FIG. 2 is a flowchart showing a calculation method of a usage limit in a fund management service according to an embodiment of the present invention.
FIG. 3 is a flowchart showing a method for calculating a disposable salary based on salary transfer data from an exchange system.
FIG. 4 is a flowchart showing a method of calculating a usage limit based on salary transfer data from the exchange system.
FIG. 5 is a flowchart showing a method for updating the usage limit.
FIG. 6 is a diagram showing an example of a multiplication factor table.
FIG. 7 is a flowchart showing a method of using a fund management service according to an embodiment of the present invention.
[Explanation of symbols]
100 Bank System 101 Network 102 General-Purpose Computer 103 Window Terminal 104 ATM
105 Telephone terminal 111 FEP
112 Database 113 Deposit System 114 Exchange System 115 Automatic Public Utility Transfer System 117 Fund Management System 118 Loan System 121 Accreditation Frame Calculation System 122 Storage Unit 123 Account System

Claims (10)

A deposit system connected to a currency exchange system, an automatic utility bill transfer system, and an account system, and collecting deposit / withdrawal data between each system and a deposit account; and the deposit based on a salary amount deposited in the deposit account In a credit amount calculation method in a banking system, including a cash management system for calculating a credit limit for overdraft of an account,
Deposit / withdrawal data for the past N months (N is an integer) deposited in the deposit account from the exchange system is extracted from the deposit / withdrawal data collected in the deposit system and included in the deposit / withdrawal data With reference to the date of deposit, the depositor, and the deposit amount, whether or not the fund management system receives a deposit of a predetermined amount or more from a certain depositor on or around the specified date specified by the applicant every month. A determination step for determining whether or not
If it is determined that there is a payment in the determining step, a first storing step of storing the payment is equal to or larger than the prescribed amount and salary, the storage unit of the cash management system the specific date as the salary payment day When,
The cash management system, M month of the account stored in the storage unit (M is an integer) extracting the salary, in the storage unit as a disposable salary to calculate the average value of its A second storing step for storing;
With reference to the multiplication rate table stored in the storage unit, the fund management system multiplies the disposable salary amount by a predetermined multiplication rate set according to the disposable salary amount, and the usage limit amount A credit amount calculating method comprising: a calculating step for calculating. The determination step extracts salary transfer data relating to salary for the past N months (N is an integer) transferred from the exchange system to the deposit account from the deposit / withdrawal data aggregated in the deposit system, With reference to the salary amount and salary receipt date included in the salary transfer data, the fund management system determines whether there is a deposit of a predetermined amount or more from a specific depositor,
2. The credit amount calculation according to claim 1, wherein the first storage step stores the salary amount and the salary payment date in a storage unit when it is determined that there is a deposit in the determination step. Method. From the deposit / withdrawal data aggregated in the deposit system, the utility management system extracts the utility fee deduction data for the utility fee automatically transferred from the deposit account by the utility fee automatic transfer system , A step of calculating an average value of the utility charge deduction amount in minutes (M is an integer);
3. The credit amount calculating method according to claim 1, wherein the second storing step subtracts an average value of the utility fee deduction amount from an average value of the salary amount to obtain a disposable salary amount. 4. Extracting loan repayment data relating to the loan repayment amount automatically transferred from the deposit account by the loan system , and the fund management system calculating an average value of the loan repayment amount for M months (M is an integer) With
4. The credit amount calculating method according to claim 1, wherein the second storing step subtracts an average value of the loan repayment amount from an average value of the salary amount to obtain a disposable salary amount. A deposit system connected to a currency exchange system, an automatic utility bill transfer system, and an account system, and collecting deposit / withdrawal data between each system and a deposit account; and the deposit based on a salary amount deposited in the deposit account A bank management system that includes a fund management system that calculates a credit limit for overdrafting an account, wherein the cash management system includes:
Deposit / withdrawal data for the past N months (N is an integer) deposited in the deposit account from the exchange system is extracted from the deposit / withdrawal data collected in the deposit system and included in the deposit / withdrawal data Judgment means that refers to the date of deposit, the depositor, and the deposit amount, and determines whether there is a deposit greater than or equal to the predetermined amount from a specific depositor on or around a specific date specified by the applicant every month When,
If it is determined that there is a payment by the determination means, wherein the predetermined amount or more payment is a salary, and stored in the storage means the specific date as the salary payment date, and are stored in the storage means storage means for storing in the memory means as a disposable salary the (M is an integer) M month's account extracts the salary, calculates the average value of their was,
A calculation means for calculating a usage limit by multiplying the disposable salary amount by a predetermined multiplier set in accordance with the disposable salary amount with reference to a multiplication rate table stored in the storage means; A banking system characterized by comprising: The determination means extracts salary transfer data relating to salary for the past N months (N is an integer) transferred from the exchange system to the deposit account from the deposit / withdrawal data collected in the deposit system, With reference to the salary amount and salary receipt date included in the salary transfer data, it is determined whether there is a deposit of a predetermined amount or more from a specific depositor,
6. The bank system according to claim 5, wherein the storage unit stores the salary amount and the salary payment date in a storage unit when it is determined that there is a deposit in the determination step . Said from the deposit and withdrawal data that has been aggregated into the deposit system, to extract the public fee debit data according to the public fee that is automatically transferred from the bank account by the public fee automatic transfer system, M-month (M is an integer) Means for calculating an average value of the deduction of the utility bill of
The banking system according to claim 5 or 6, wherein the storage means subtracts the average value of the deduction of the utility bill from the average value of the salary amount to obtain a disposable salary amount. Means for extracting loan repayment data relating to the loan repayment amount automatically transferred from the deposit account by the loan system, and calculating an average value of the loan repayment amount for M months (M is an integer);
The bank system according to claim 5, 6 or 7, wherein the storage means subtracts an average value of the loan repayment amount from an average value of the salary amount to obtain a disposable salary amount.   The program for making a computer perform each step in any one of Claim 1 thru | or 4.   A computer-readable recording medium having recorded thereon a program for causing a computer to execute the steps according to any one of claims 1 to 4.

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