JP4443138B2 - Loan account processing method and system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a method for processing withdrawal, repayment for each due date, and the like in an account related to a loan, and a system capable of executing the method.
[0002]
[Prior art]
As a system or method for processing loan repayment, a system disclosed in Patent Document 1 shown below is known. In the thing of patent document 1, if it has a transfer account of salary, the amount of repayment of a mortgage loan will be set small according to the transfer situation.
[0003]
[Patent Document 1]
JP 2002-15133 A
[0004]
[Problems to be solved by the invention]
In such a system or method, the advance repayment of the loan cannot be processed, and the contractor has secured a large amount in the transfer account (deduction account of the repayment amount) in order to have room on the repayment date. Will be kept. In addition, it is necessary for the contractor to prepare funds for consumption such as food expenses and clothing expenses. Furthermore, the contractor must also take into account the automatic debits that are often used for payment of rents and public charges. On the other hand, since such a system or method is based on a money consumption loan contract, the repayment amount due to the transfer situation can be reduced only to an extra extent.
[0005]
Accordingly, the invention according to claim 1 is a loan account processing method capable of automatically processing advanced repayments without waste while reliably responding to consumption funds and automatic withdrawals, and reducing the repayment period or total interest expense. It is intended to provide.
[0006]
Also, Claim 2 SUMMARY OF THE INVENTION An object of the present invention is to provide a loan account processing system capable of automatically processing prepaid repayment without waste and reducing the repayment period or total interest payment while reliably dealing with consumption funds and automatic withdrawals. It is what.
[0007]
[Means for Solving the Problems]
In order to achieve the above object, the invention according to claim 1 sets the repayment date, interest payment date, contracted minimum repayment amount, contracted interest rate and overdraft limit for principal and interest repayment in the loan account processing method. And a principal storage unit that stores the principal of the loan in each account with respect to the account related to the overdraft type loan that allows overdraft within the overdraft facility And execution The contracted minimum repayment storage unit that stores the minimum repayment amount, the contracted interest rate storage unit that stores the contracted interest rate, the overdraft frame storage unit that stores the overdraft limit that is the maximum amount of principal, Calculated by adding books Remember product number A storage means having a product number storage unit, an automatic deposit acceptance means for receiving an expected deposit amount exceeding the contracted minimum repayment amount corresponding to the repayment date, and a withdrawal amount related to overdraft within the overdraft facility Withdrawal receipt means for sending withdrawal information and automatic deposit acceptance means, receipt of withdrawal amount at withdrawal acceptance means, arrival of a predetermined time each day, arrival of repayment date, A computer equipped with a control device capable of grasping the date of accrual date subtracts the deposit amount for the principal storage unit in the storage means in response to grasping the receipt of the deposit amount in the automatic deposit acceptance means by the control device. Corresponding to the step of updating the memory related to the principal and the receipt of the withdrawal amount in the withdrawal accepting means by the control device, the memory related to the principal by adding the withdrawal amount for the principal storage unit in the storage means More And a step of adding the principal on the day to update the storage related to the product number for the product number storage unit in the storage means in response to the grasping of the arrival of the predetermined time each day by the control device, and the control device Corresponding to grasping the due date due by the control unit, subtracting the contracted minimum repayment amount and updating the memory related to the overdraft facility for the overdraft frame storage part in the storage means, and grasping the accrual date due by the control device Then, the interest is calculated from the product of the product storage unit in the storage unit and the contracted interest rate of the contracted interest rate storage unit, and for the principal storage unit in the storage unit, the interest is added and the memory related to the principal is updated. And a step of adding interest to update the memory related to the overdraft facility for the overdraft storage unit in the storage means and a step of ending the account processing in response to the satisfaction of the completion condition by the control device. And it is characterized in Rukoto.
[0009]
To achieve the above object, the invention described in claim 2 sets the repayment date, interest payment date, contracted minimum repayment amount, contracted interest rate and overdraft limit for principal and interest repayment in the loan account processing system. And a principal storage unit in which the computer stores the principal of the loan in each account with respect to the account relating to the overdraft type loan that allows overdraft within the overdraft facility And execution The contracted minimum repayment storage unit that stores the minimum repayment amount, the contracted interest rate storage unit that stores the contracted interest rate, the overdraft frame storage unit that stores the overdraft limit that is the maximum amount of principal, Calculated by adding books Remember product number A storage means having a product number storage unit, an automatic deposit acceptance means for receiving an expected deposit amount exceeding the contracted minimum repayment amount corresponding to the repayment date, and a withdrawal amount related to overdraft within the overdraft frame Withdrawing acceptance means for receiving and sending withdrawal information, receipt of deposit amount in automatic deposit acceptance means, receipt of withdrawal amount in withdrawal acceptance means, arrival of a predetermined time each day, arrival of repayment date In accordance with the control device capable of grasping the arrival date of the interest payment date and the receipt of the deposit amount in the automatic deposit acceptance means by the control device, the original amount by subtracting the deposit amount for the principal storage unit in the storage means Corresponding to the receipt processing means for updating the storage relating to the book and the receipt of the withdrawal amount in the withdrawal accepting means by the control device, adding the withdrawal amount to the principal storage unit in the storage means and storing the principal Withdrawal processing means to update A product processing unit for adding the principal for the day and updating the storage related to the product for the product storage unit in the storage unit in response to grasping the arrival of the predetermined time each day by the control device; In response to grasping the repayment due date, the minimum repayment processing means for subtracting the contracted minimum repayment amount and renewing the memory related to the overdraft allowance for the overdraft limit storage unit in the storage means, Corresponding to the grasp, the interest is calculated from the product of the product storage unit in the storage unit and the contracted interest rate of the contracted interest rate storage unit, and the interest is added to the principal storage unit in the storage unit to store the principal. The account processing is terminated in response to the interest processing means for adding the interest and updating the storage related to the overdraft credit for the overdraft frame storage unit in the storage means, and the grasp of the fulfillment of the payment condition by the control device. Account processing end And it is characterized in that it comprises a stage.
[0011]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, a mortgage account processing method (present method) and a mortgage account processing system (present system) according to an embodiment of the present invention will be described according to the following table of contents order.
(1) Outline of this method
(2) External aspects of this system
(3) Internal aspects of this system
(4) Contents of operation or method of this system
(5) Loan account processing model case by this method or system
(6) Effects of this method or system
(7) Illustration of the embodiment of the present invention mainly obtained by changing the above embodiment
[0012]
(1) Outline of this method
In this method, a dedicated account for a mortgage related to overdraft is processed using a computer as shown in FIG.
[0013]
That is, based on the overdraft agreement in the account 1, for example, the period is several decades, and the contracted minimum repayment amount (monthly minimum repayment amount) is calculated in the same manner as in the case of conventional repayment of principal and interest, The minimum repayment amount shall be 25th of each month for the repayment date, and the contracted interest rate shall be the same as that of the mortgage of the principal and interest method. The monthly minimum repayment amount is assumed to be well below the monthly salary of 2.
[0014]
The salary 2 or bonus 4 or other deposit 6 that is a transfer from the office to the account 1 is used for the subtraction process of the principal 8 on the deposit date (arrows 10, 11, 12). As a result, all payments are immediately applied to the repayment of the principal 8 without waiting for the repayment date.
[0015]
The overdraft frame 20 is initially set to the same amount as the original principal, and only the minimum repayment amount is reduced every month for each repayment date (arrow 22). As a result, if there is a deposit greater than the minimum repayment amount every month during the repayment date, the difference between the principal 8 and the overdraft frame 20 can be made by an amount that exceeds the minimum repayment amount every month. Overdraft limit 20 is allowed by the amount.
[0016]
On the other hand, when the withdrawal of the consumption funds 30 or the automatically withdrawn funds 32 is requested, it is accepted within the allowable overdraft frame 20. With these withdrawals, the withdrawal amount is added to the principal 8 (arrows 36 and 37).
[0017]
On the other hand, on each day, after the deposit / withdrawal acceptance end time, the product number for calculating the interest 38 relating to the overdraft is updated. That is, the principal 8 of the day (after the time) is added to the product number.
[0018]
Then, on the third Sunday of February and August every year (the base date for interest calculation, the interest payment date), the product over the half year is multiplied by the contracted interest rate corrected for one day, resulting in interest on principal 8. 38 is calculated and added to the principal 8 the next day (equivalent to withdrawal, arrow 39). Here, the interest 38 is added to the overdraft frame 20 as it is in order to prevent a situation in which the overdraft frame 20 is compressed due to the interest 38 being large and the interest 38 cannot be withdrawn (arrow 39). As a result, the overdraft frame 20 is secured for the interest 38, and the interest 38 is surely added to the principal 8.
[0019]
As described above, the entire amount of the deposit is applied to the repayment of the principal 8 on the date of deposit, and only the necessary portion of the deposit is handled within the overdraft frame 20 so that the principal 8 can be instantly handled while dealing with the withdrawal reliably. Can be reduced. In addition, since the product number is immediately reduced, the interest 38 is also greatly reduced.
[0020]
That is, it is not necessary to secure surplus money in order to cope with a sudden withdrawal, and surplus money such as salary 2 is automatically used for repayment of principal 8. In addition, the reduction of the principal 8 is promoted from the beginning, the interest 38 is also reduced, the repayment proceeds synergistically, and the total repayment amount and the repayment period are automatically reduced.
[0021]
(2) External aspects of this system
FIG. 2 is a block diagram of the system 51. The system 51 is configured by a computer 52. The computer 52 includes a storage device 54 as a storage means for storing various information, a communication control device 56, and a control device 58 for controlling them.
[0022]
The communication control device 56 is appropriately connected to a terminal network related to CD / ATM, a public network related to home banking, an external center network related to an alliance with a credit card company, another branch, and another bank.
[0023]
(3) Internal aspects of this system
In the storage device 54, a deposit processing program 60, a withdrawal processing program 62, a product number processing program 63, a repayment date processing program 64, and an accrual date processing program 66 which are appropriately executed by the control device 58 are stored.
[0024]
The storage device 54 is provided with the following storage units (storage areas). That is, in each account 1, a principal storage unit 70 that stores the principal of the loan, a period storage unit 72 that stores a repayment period, a contract minimum repayment amount storage unit 74 that stores a minimum repayment amount every month, and a contract A contracted interest rate storage unit 76 that stores interest rates, an overdraft frame storage unit 78 that stores an overdraft limit (overdraft extreme) 20 that is the maximum amount that can be taken as the amount of principal 8, and a total deposit amount that stores the total deposit amount for the current month The product number 82 is calculated by adding the principal amount of each day for the calculation of the storage unit 80 and the interest 38.
[0025]
On the other hand, the communication control device 56 or the control device 58 cooperates appropriately (arrow 86) to transmit / receive deposit / withdrawal information (exchange information) related to other networks and the like (arrow 87), and information storage control in the storage device 54 (arrow). 88).
[0026]
(4) Contents of operation or method of this system
FIG. 3 shows a flowchart relating to the operation contents of the system 51 or a method executed thereby. After the contract relating to the overdraft is concluded, the account 1 is opened in the computer 52, and the original information (the principal 70 or the product number 82, etc.) is input (step 100). In step 100, the original principal 8 is deposited into the account 1.
[0027]
Further, when the communication control device 56 receives the deposit information for the account 1, the control device 58 of the computer 52 accepts the deposit as a deposit acceptance means and starts the deposit processing program 60 (step 102), and performs the deposit processing (step 102). 104).
[0028]
Further, when the communication control device 56 receives the withdrawal information for the account 1 generated during business hours (step 106), the control device 58 activates the withdrawal acceptance processing program 62, and performs withdrawal acceptance or withdrawal processing. (Step 108).
[0029]
Furthermore, when the control device 58 grasps the passage of 4:00 pm (predetermined time) on each day (step 110), it first starts the product processing program 63 and performs product processing (step 112). Next, when the arrival of the 25th as the repayment date is grasped (step 113), the repayment date processing (step 114) is performed. Further, it is determined whether it is February 16 or August 17 as the accrual date (step 115), and if it is an accrual date, the accrual date processing program 66 is activated and accrual date processing (step 116). )I do.
[0030]
In addition, the control device 58 monitors whether or not the requirement 8 has been satisfied, such as the principal 8 in the principal storage unit 70 is zero (step 118). finish. Here, the payment of interest may be included in the payment condition, or the remaining interest 38 may be settled after the processing is completed.
[0031]
FIG. 4 shows a flowchart relating to the deposit process in step 104. In the deposit processing performed on the deposit date, the computer 52 subtracts the deposit amount for the principal 8 by the deposit processing program 60 (step 123).
[0032]
Here, if the deposit amount exceeds the minimum repayment amount every month, the principal 8 further falls below the overdraft frame 20 by the excess amount. In other words, the excess amount for each month, the overdraft frame 20 is allowed. Moreover, since overdraft can be received within the overdraft frame 20, when the withdrawal is required later, it is possible to cope with the excess (allowable overdraft frame 20).
[0033]
FIG. 5 shows a flowchart relating to withdrawal acceptance or withdrawal processing in step 108. In the withdrawal acceptance and withdrawal processing, the computer 52 first determines whether the sum of the withdrawal amount and the current principal 8 is within the overdraft frame 20 by using the withdrawal acceptance processing program 62 (step 130). When the withdrawal amount and the principal 8 exceed the overdraft limit 20, the withdrawal within the overdraft limit 20 is prompted again, or information such as an unacceptable withdrawal is displayed as an error, or the withdrawal process is skipped. (Step 132).
[0034]
On the other hand, if the withdrawal amount and the principal 8 are within the overdraft frame 20, the withdrawal amount is added to the principal 8 (step 134). Thereby, the difference between the overdraft frame 20 and the principal 8 is reduced by the amount of money to be paid. These steps correspond to the withdrawal process (withdrawal processing means).
[0035]
When the withdrawal process is completed, the computer 52 transmits the withdrawal information to the counterpart account (step 142). Steps 130 (, 132) and 142 correspond to withdrawal acceptance (withdrawal acceptance means).
[0036]
FIG. 6 shows a flowchart relating to the product number processing in step 112. In the product processing, the computer 52 adds the current principal 8 to the product number by the product processing program 63 and updates the product number in the product storage unit 82 (step 150, product processing means). For example, if the unit of interest is 100 yen, the value of principal 8 that has been rounded down is added to the product because the amount of interest 38 is rounded down to the nearest 100 yen.
[0037]
FIG. 7 shows a flowchart relating to the repayment date process in step 114. On the 25th of every month, the computer 52 reduces the overdraft frame 20 by the minimum repayment amount every month by the repayment date processing program 64 (step 160, minimum repayment processing means). If the principal 8 exceeds the overdraft limit 20 (N in step 162), an error occurs because the monthly minimum repayment amount (or the total monthly minimum repayment amount) cannot be repaid (step 164), based on this, urge repayment with a re-deadline, or instruct repayment from real estate and other collateral.
[0038]
On the other hand, if the principal 8 is within the overdraft frame 20 (Y in step 162), since the minimum repayment amount has been repaid at least every month, the overdraft contract is valid and the processing of the account 1 will be continued. .
[0039]
FIG. 8 shows a flowchart relating to the interest date processing in step 116. On February 16 or August 17, the computer 52 first calculates the interest 38 using the interest date processing program 66 (step 170). The interest 38 is calculated by multiplying the product by the contracted interest rate. The contracted interest rate at this time is applied by converting the contracted interest rate (for example, annual interest rate) at the time of the contract into a value (per day) that takes into consideration the product number (every day).
[0040]
Next, the computer 52 adds interest 38 to the overdraft frame 20 in advance to prevent a situation where it is determined that the interest 38 exceeds the overdraft frame 20 when incorporating the interest 38 into the principal 8, and the interest 38 minutes. Is allowed to be overwritten (step 172). Thereafter, the interest 38 is incorporated into the principal 8 (step 174). Then, the product number is reset (step 176), and the accrual date processing is terminated (interest processing means).
[0041]
(5) Loan account processing model case by this method or system
FIG. 9 shows the conditions of the model case according to the above method or system. In this model case, accept the receipt of the salary equivalent to one-twelfth of the annual income on the 25th of the month (the same day as the repayment date) (acceptance of automatic payment exceeding the contracted minimum repayment amount by the payment processing means or automatic payment processing means ). In addition, 100,000 yen is withdrawn each month on the 1st and 10th of each month as consumption funds or automatically withdrawn funds (living expenses). The amount excluding the amount is withdrawn (Precondition 1). Therefore, by the 10th of every month, the entire amount obtained by subtracting the monthly minimum repayment amount from the salary is withdrawn as a living cost.
[0042]
As described above, the monthly minimum repayment amount is obtained by the same calculation method as that for repayment of principal and interest, etc., and the overdraft limit is reduced by the minimum repayment date every month. (Precondition 2). In addition, it is assumed that no deposit is made first (Precondition 3). Furthermore, the unit of interest is 100 yen, and the product of less than 100 yen is rounded down on each day. In addition, the interest payment date is fixed on February 16 and August 17 every year, regardless of the day of the week.
[0043]
Furthermore, as model case A, the initial principal (loan loan amount) is 20 million yen, the period is set to 30 years, and the contracted interest rate (interest rate) is set to 3.000%. Then, the monthly minimum repayment amount is calculated as 84,320 yen. In addition, the annual income will be 6 million yen, and the loan will be lent from June 1, 2003. It is assumed that there are no 1st and 10th sunrises in the first month. The repayment burden rate is a ratio to the annual income that is 12 times the monthly repayment amount (annual repayment amount).
[0044]
On the other hand, as model case B, it is determined that only the contracted interest rate of model case A is changed to 6.000%. The monthly minimum repayment amount is 119,910 yen.
[0045]
FIG. 10 shows various amounts and the like for each day in model case A in June 2003, which is the first month, and the following month. In the figure, in order to clarify that the loan is a loan, the principal, the overdraft frame, and the product number are set to negative values. However, the description of the processing is performed with a positive value (absolute value). On the first day of June 1, 20 million yen will be withdrawn as a loan. From June 1st to June 24th, the product number will be increased by 20 million.
[0046]
On June 25, the repayment date, there is an automatic deposit of 500,000 yen, and there is a withdrawal of 215,680 yen of living expenses within the business hours of the same day after this deposit. Therefore, the principal is immediately reduced by 500,000-215,680, that is, 284,320 yen, to 19,715,680 yen. Moreover, since it is the repayment date, the overdraft limit is reduced by 84,320 yen to 19,915,680 yen. On the other hand, the addition of the product number from this day to June 30 is 19,715,600 yen each day.
[0047]
On July 1st, 100,000 yen will be withdrawn as the first additional cost of living. Although the principal increases by 100,000 yen, it is within the overdraft facility. The product addition value will also be 19,815,600 yen each day until July 9.
[0048]
On July 10th, 100,000 yen will be withdrawn as a second additional cost of living. The principal increases by 100,000 yen, but is still within the overdraft facility. The product addition value will be 19,915,600 yen each day until July 24th.
[0049]
Then, on July 25, the repayment date, 500,000 yen is automatically deposited and 215,680 yen is withdrawn. The principal amount is 19,631,360 yen, and the product addition value is 19,631,300 yen. Moreover, since it is the repayment date, the overdraft limit is reduced by 84,320 yen to 19,831,360 yen.
[0050]
FIG. 11 shows various amounts and the like for each day in the following August 2003. The sunrise on August 1 and August 10 is the same as in July.
[0051]
The interest 38 is calculated on August 17, the accrual date. The product number at the present time is the sum of product addition values from June 1 to August 17, and is 1,549,019,200 yen. Multiply this by the contracted interest rate of 3.000% (0.03000) and divide by the number of days in the year (365) (interest rate per day). The result of this calculation is 127,316 yen (rounded down to the nearest decimal place), and the principal increases by 127,316 yen as a withdrawal treatment on August 18 of the following day. The overdraft facility will also increase by 127,316 yen.
[0052]
The process from August 18 to 24 and the process from 25 to 31 are the same as described above, and the same applies to the processes after September. Also, on February 16, 2004, interest 38 is calculated based on the product number, which is the sum of product addition values from August 18, 2003 to the same day (half year, accrual period), Incorporated into the principal. Subsequent processing is similarly performed.
[0053]
In this way, when the principal is automatically repaid while withdrawing the living expenses in the model case A, as shown in FIG. 12, it is 2032 before the lapse of 30 years, which is the contractual repayment date. On the 25th of the month, the principal becomes 0 (displayed as a positive value in the figure). If the account processing is completed (contract completion) when the principal becomes 0, the repayment will be completed almost one year earlier than the repayment of principal and interest.
[0054]
In addition, the total repayment at this time is 29,997,095 yen as shown in the lower right of FIG. 9, and in conventional repayment of principal and interest, it is 84,320 × 12 × 30, ie, 30,355,200 yen. Therefore, 358,105 yen can be obtained while paying out living expenses by this system or method.
[0055]
The complete payment condition may be, for example, when there is a deposit of 100,000 yen or more (in the figure, the principal is a positive value) (in FIG. 12, July 25, 2032). It is also possible to keep the account as it is without closing the account with payment.
[0056]
On the other hand, FIGS. 13 to 15 are similarly shown for the model case B. If the principal is automatically repaid while paying out the living expenses in the model case B, the principal amount of the loan disappears on May 25, 2031, and the total repayment amount is 41,334,062. Yen. Since the total repayment amount for repayment of principal and interest under the same conditions is 119,910 × 12 × 30 and 43,167,600 yen, there is an advantage of 1,833,538 yen.
[0057]
In other words, in this method or system, the principal is immediately subtracted or the interest is calculated later, so that the higher the contracted interest rate, the faster the repayment becomes possible, or the smaller the total repayment amount. Can contribute to reducing the burden under high interest rates.
[0058]
(6) Effects of this method or system
As described above, in this method, the repayment date, the accrual date, the contracted minimum repayment amount, the contracted interest rate and the overdraft limit 20 for the repayment of the principal 8 and the interest 38 are set, and overdraft is permitted within the overdraft limit 20. A computer 52 having a storage device 54 for storing various information, a communication control device 56 or a control device 58 for receiving deposits and withdrawals related to overdraft within the overdraft frame, for the account 1 relating to the overdraft mortgage, Corresponding to the date of receipt of payment, the step of subtracting the deposit amount for the principal 8 and updating the memory, and adding the withdrawal amount for the principal 8 in correspondence with the receipt date of withdrawal A step of updating, a step of adding the principal on that day to update the memory for each product obtained by adding the principal 8 to each day for each day, and 25th of each month (repayment date, On the first date) Steps to update the memory by subtracting the minimum repayment amount every month for the crossover frame 20, and the product number and contracted interest rate corresponding to the third Sunday in February and August each year (the interest due date, the second due date) The interest 38 is calculated from the credit card 8, the interest 38 is added to the principal 8 to update the memory, and the overdraft frame 20 is added to the interest 38 to update the memory.
[0059]
Accordingly, the principal 8 can be immediately reduced by the deposit, and the interest 38 is not initially repaid as in the case of the conventional principal and interest repayment. As a result, the loan repayment period and the total repayment amount can be reduced. In addition, it is not necessary to secure assets for withdrawals, it is possible to process repayments as much as possible while dealing with withdrawals, and processing to automatically allocate assets to repayments without any waste. is there.
[0060]
Furthermore, on the repayment date, an automatic deposit exceeding the minimum repayment amount every month (which was expected at the time of contract) is made and accepted, so the payment for repayment is forgotten and the process does not proceed or error processing is entered. Can be prevented, and the amount of principal can be immediately reduced to reduce the total repayment amount and total repayment period.
[0061]
Since interest 38 is postpaid for each interest date, further interest 38 based on interest 38 is difficult to increase, the total payment amount and payment period are reduced, and stamp tax is reduced. This effect becomes more prominent when the interest payment date is longer than the repayment date.
[0062]
In addition, the system 51 sets a repayment date, an accrual date, a contracted minimum repayment amount, a contracted interest rate and an overdraft limit 20 for the repayment of the principal 8 and the interest 38, and allows overdraft within the overdraft limit 20. With respect to the account 1 relating to the overdraft mortgage, the computer 52 includes a storage device 54 that stores various information, a deposit acceptance unit that accepts deposits, and a withdrawal acceptance unit that accepts withdrawals related to overdraft within the overdraft frame 20. The deposit processing means for subtracting the deposit amount for the principal 8 corresponding to the receipt date of the deposit and updating the memory, and the withdrawal amount for the principal 8 corresponding to the receipt date of the withdrawal With regard to the withdrawal processing means for updating the memory and the product number obtained by adding the principal 8 to each day corresponding to each day, the product for updating the memory by adding the principal on that day Number processing means, corresponding to 25th of every month In accordance with the minimum repayment processing means for subtracting the minimum repayment amount every month for the overdraft facility 20 and the third Sunday of February and August every year, the interest 38 is calculated from the product number and the contracted interest rate. An interest processing unit that calculates and updates the memory by adding the interest 38 for the principal 8 and updates the memory by adding the interest 38 for the overdraft frame 20 is provided.
[0063]
Accordingly, while dealing with various withdrawal processes, the largest possible reduction of the principal 8 is immediately processed, contributing to automatic reduction of the total repayment amount and repayment period.
[0064]
In addition, since it has automatic deposit acceptance means for accepting an automatic deposit that is expected to exceed the contracted minimum repayment amount, it is possible to realize a smooth repayment process and further automatic reduction of the total repayment amount and repayment period.
[0065]
In addition, since the interest processing means makes the interest 38 postpaid at each accrual date, the further interest 38 based on the interest 38 is difficult to increase, the total payment amount and the payment period are reduced, and the stamp tax is reduced. . This effect becomes more prominent when the accrual date is set longer than the repayment date.
[0066]
(7) Examples of other embodiments of the present invention mainly obtained by changing the above embodiment
Other embodiments of the present invention, which are mainly modified from the method or the system, are illustrated respectively.
[0067]
The method of determining the minimum repayment amount every month is designated by the parties. Repayment date is set every half month or every two months, etc., interest payment date is set every two months or every year, etc., payment date is specified by day of the week, payment date is determined by date, or payment date The date of the date and the date of the interest payment date are partially or completely matched. Process to reduce the principal amount several days after the payment date. Calculate the product number every few days or on the accrual date, or store the original principal or the principal when the principal value changed and the number of days the principal value was maintained. Calculate with the sum.
[0068]
The processing date for reducing the overdraft facility by the contracted minimum repayment amount is shifted from the contractual repayment date (several days ago or several days later). The calculated interest is added on or before the calculation date, or added the day after next. Shift automatic payment date and repayment date, or shift automatic payment interval and repayment date interval. Processing on various dates is performed on business days such as weekdays or financial institutions, and processing is not performed other than business days, or processing equivalent to processing other than business days is performed on business days. Loans are not mortgages.
[0069]
The storage device is divided into a program and an account, or a principal / overdraft and a term / contracted rate. Various programs are made common or further divided. Furthermore, another kind of program is added, or another kind of information related to the account is stored. As the storage device, a combination of a volatile device that loses its memory due to power interruption and a nonvolatile device is adopted. The control device and the communication control device are integrated, or the control device is further divided. Connect and configure multiple computers per system.
[0070]
The computer is provided with a display device for displaying the principal, overdraft frame, etc. (optional) for each account 1, or a printing device for printing these (output device). In addition, an input device (keyboard, pointing device, etc.) for directly inputting initial information and the like is provided. Furthermore, an encryption unit (encryption device, encryption software, etc.), an authentication unit, and an authentication device (password input, fingerprint reader, etc.) are incorporated. In addition, a process or a computer configuration according to another format equivalent to the present method or the present system is adopted.
[0071]
【The invention's effect】
According to the present invention, the loan account related to the overdraft is processed so that the principal is reduced by depositing and the allowance is allowed for deposits exceeding the contracted minimum repayment amount so as to correspond to withdrawal. , It is possible to reduce the principal immediately, automatically repayment processing without waste without accepting special procedures such as advanced repayment, contributing to the reduction of total repayment amount or total repayment period. In addition, there is an effect that it is possible to cope with a withdrawal process such as living expenses.
[Brief description of the drawings]
FIG. 1 is a schematic explanatory diagram according to the present method.
FIG. 2 is a block diagram according to the present system.
FIG. 3 is a flowchart relating to the operation content of the present method or system.
4 is a flowchart of a deposit process in FIG.
FIG. 5 is a flowchart of withdrawal acceptance / processing in FIG. 3;
6 is a flowchart of product number processing in FIG. 3;
7 is a flowchart of repayment date processing in FIG. 3;
FIG. 8 is a flowchart of interest date processing in FIG. 3;
FIG. 9 is an explanatory diagram of conditions of a model case according to the present method or system.
FIG. 10 is an initial explanatory diagram of a model case A.
FIG. 11 is an explanatory diagram of the model case A following FIG.
FIG. 12 is an explanatory diagram of the model case A before and after completion.
13 is an initial explanatory diagram of a model case B. FIG.
14 is an explanatory diagram of the model case B subsequent to FIG.
FIG. 15 is an explanatory diagram of model case B before and after completion.
[Explanation of symbols]
1 .. Account, 8 .. Principal, 20 .. Overdraft, 38 .. Interest, 51 .. (Book) system, 52. Computer, 54 .. Storage device, 56 .. Communication control device, 58. ·Control device.

Claims (2)

With regard to accounts for overdraft type loans that allow repayment date, interest payment date, contracted minimum repayment amount, contracted interest rate and overdraft allowance for principal and interest repayment and allow overdraft within the overdraft facility,
In each account, and the principal storage unit for storing the principal of the loan, and the contractual minimum repayment amount storage unit for storing the contractual minimum payments, and the contractual interest rate storage unit for storing the stated interest rate, limit that may be the amount of principal Storage means having an overdraft frame storage unit that stores an overdraft frame that is an amount, and a product number storage unit that stores a product number calculated by adding the principal of each day,
An automatic deposit acceptance means that receives the expected deposit amount that exceeds the contracted minimum repayment amount, corresponding to the repayment date,
Withdrawal acceptance means for receiving withdrawal amount related to overdraft within the overdraft facility and sending withdrawal information,
In addition, the control that can grasp the receipt of the deposit amount in the automatic deposit acceptance means, the receipt of the withdrawal amount in the withdrawal acceptance means, the arrival of a predetermined time each day, the arrival of the repayment date, and the arrival of the interest payment date. A computer comprising the device
Corresponding to the receipt of the deposit amount in the automatic deposit acceptance means by the control device,
For the principal storage unit in the storage means, the step of subtracting the deposit amount and updating the storage related to the principal;
In response to the receipt of withdrawal amount in the withdrawal acceptance means by the control device,
For the principal storage unit in the storage means, the step of adding the withdrawal amount and updating the storage related to the principal;
Corresponding to grasping the arrival of a predetermined time each day by the control device,
For the product number storage unit in the storage means, the step of adding the principal for the day and updating the storage related to the product number;
In response to the repayment date coming by the control device,
For the overdraft frame storage unit in the storage means, subtracting the contract minimum repayment amount and updating the memory related to the overdraft frame;
In response to grasping the date of interest payment by the control device,
Interest is calculated from the product of the product storage unit in the storage means and the contracted interest rate of the contracted interest rate storage unit,
For the principal storage unit in the storage means, add interest and update the memory related to the principal,
For the overdraft frame storage unit in the storage means, adding interest and updating the memory related to the overdraft frame;
In response to grasping the satisfaction of the payment condition by the control device,
And ending the account processing. A loan account processing method comprising: Computers for accounts on overdraft loans that set repayment dates, interest payment dates, contracted minimum repayments, contracted interest rates and overdraft limits for principal and interest repayments and allow overdrafts within the overdraft limits ,
In each account, and the principal storage unit for storing the principal of the loan, and the contractual minimum repayment amount storage unit for storing the contractual minimum payments, and the contractual interest rate storage unit for storing the stated interest rate, limit that may be the amount of principal Storage means having an overdraft frame storage unit that stores an overdraft frame that is an amount, and a product number storage unit that stores a product number calculated by adding the principal of each day;
In response to the repayment date, automatic deposit acceptance means for receiving an expected deposit amount that exceeds the contracted minimum repayment amount,
A withdrawal acceptance means for receiving withdrawal amount related to overdraft within the overdraft frame and transmitting withdrawal information;
A control device capable of grasping the receipt of the deposit amount in the automatic deposit acceptance means, the receipt of the withdrawal amount in the withdrawal acceptance means, the arrival of a predetermined time each day, the arrival of the repayment date, and the arrival of the due date ,
Corresponding to the receipt of the deposit amount in the automatic deposit acceptance unit by the control device, a deposit processing unit that subtracts the deposit amount and updates the storage related to the principal for the principal storage unit in the storage unit;
In response to the receipt of the withdrawal amount in the withdrawal accepting means by the control device, the withdrawal processing means for adding the withdrawal amount and updating the memory related to the principal for the principal storage unit in the storage means;
In response to grasping the arrival of a predetermined time each day by the control device, for the product storage unit in the storage unit, a product processing unit that adds the principal for the day and updates the storage related to the product,
Corresponding to the understanding of the repayment due date by the control device, the minimum repayment processing means for subtracting the contract minimum repayment amount for the overdraft frame storage unit in the storage means and updating the memory related to the overdraft frame,
Corresponding to the arrival date of the accrual date by the control device, interest is calculated from the product of the product storage unit in the storage means and the contracted interest rate of the contracted interest rate storage unit, and the interest is calculated for the principal storage unit in the storage means. An interest processing means for adding and updating the memory related to the principal, and for the overdraft frame storage unit in the storage means, adding interest and updating the memory related to the overdraft frame;
A loan account processing system comprising account processing ending means for ending account processing in response to grasping of satisfaction of a payment condition by a control device.

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