JP5261788B2 - Loan interest calculation system, method and program - Google Patents

Description

  The present invention relates to a lending interest rate calculation system, method, and program, and more particularly, to a lending interest rate calculation system, method, and program performed by a credit company for a credit transaction member store.

  Normally, in transactions such as credit cards, when a customer purchases goods at a merchant that has a contract with a credit company and the credit card is settled, the credit company stores sales information for each merchant for a certain period of time. For example, it is provided by dividing the sales of each member store twice a month and transferring it to the account of each member store. That is, the credit card company has a corresponding obligation to the member store until the amount of money corresponding to the sales is transferred after the credit settlement. On the other hand, in order to enable unsecured short-term loans to credit card company merchants, an information processing device used by the credit card company and a payment terminal used by the credit card company merchant have a communication line (credit card payment network). A financial information processing device used by a financial institution that can make a short-term loan to a member store in a system that is connected by a service provider) and allows a credit card company member user to make a card payment at the member store Credit information that takes in merchant transaction information from a communication line every predetermined time, classifies transaction information such as credit cards for each member store, and makes the merchant execute short-term loans according to credit sales information and predetermined conditions. A system comprising a credit granting information processing device that forms information and sends it to a financial information processing device of a financial institution Has been proposed (see, for example, Patent Document 1).

JP 2004-102476 A

  However, in general, in a credit settlement system, when a credit card company collects the sales amount paid to a member store from the credit card owner, the transaction of the credit card owner of another credit card company is transferred to the other credit card. Transactions are indirectly collected from the company, and the conventional credit grant system does not take such a case into consideration, so there is a problem that appropriate credit cannot be provided.

The present invention has such has been made in view of the problem, in the case of a loan of lending to the merchant credit card, and sales by the company's credit card owner, by other companies credit card owner of The object is to provide a lending interest rate calculation system, method and program for determining a lending interest rate by calculating a collection risk corresponding to the amount of sales.

  In order to achieve such an object, the invention described in claim 1 of the present application stores the sales information by the credit card settlement transaction from the member store in the storage means, and the storage means for every predetermined period. Sales for each indirect customer who collects the sales amount for each direct customer who directly collects the sales from the sales information stored in, sends an instruction to collect directly from the customer, and collects indirectly through an intermediary company A loan interest rate calculation system for a credit company member store that aggregates the amount of money and sums up the brokerage company and sends an instruction to collect from the brokerage company. The company's own sales totaling means that calculates the company's own sales receivables for the member stores and the storage means to calculate the uncollected sales amount of indirect customers for the member stores The other company's sales aggregation means to calculate the other company's sales receivables amount for the affiliated store by summing up the entire brokerage company, and the calculated own sales receivable amount and the recovery risk rate for determining the lending interest rate to the member store And a lending interest rate calculating means for determining a lending interest rate calculated based on a sales receivable amount of another company.

  The invention according to claim 2 is the lending interest rate calculation system according to claim 1, wherein the lending interest rate calculating means includes the own sales receivable risk rate and the other company's receivable amount calculated for the member store, respectively, It is characterized in that the recovery risk rate is calculated by dividing the sum obtained by multiplying the other company's sales collection risk rate by the sum of the company's sales receivable amount and the other company's sales receivable amount.

The invention according to claim 3 is characterized in that, in the loan interest rate calculation system according to claim 2 , the sales recovery risk rate of other companies is zero.

The invention according to claim 4 is the lending interest rate calculation system according to claim 1 , wherein the lending interest rate calculating means determines the lending interest rate by totaling the calculated recovery risk rate, office work cost rate, profit rate and procurement interest rate. It is characterized by that.

  The invention according to claim 5 is characterized in that, in the loan interest rate calculation system according to claim 2, the own sales recovery risk rate and the other company sales recovery risk rate are determined for each member store.

  According to the sixth aspect of the present invention, when sales information by a credit card settlement transaction from a member store is received, the sales information is stored in the storage means, and the sales proceeds are collected directly from the sales information stored in the storage means every predetermined period. Summarize the sales amount of each direct customer to be collected and send an instruction to collect directly from the customer, collect the sales amount of each indirect customer who collects indirectly through the brokerage company, and add up the brokerage company to sum up A method for calculating the interest rate of loans to a member company of a credit company that sends an instruction to collect. The sales amount calculation step for calculating the amount and the sales amount of the uncollected indirect customer for the member store are read from the storage means and added up for the entire brokerage company. Lending by calculating the other company's sales receivable amount for the store and the collection risk rate for determining the lending interest rate to the member store based on the calculated in-house sales receivable amount and the other company's receivable amount And a lending interest rate calculating step for determining an interest rate.

  The invention according to claim 7 is the method for calculating the loan interest rate according to claim 6, wherein the loan interest calculation step includes the own sales receivable amount calculated for the member store and the other company's receivable amount, respectively, It is characterized in that the recovery risk rate is calculated by dividing the sum of the other company's sales recovery risk rate by the sum of the company's sales receivable amount and the other company's sales receivable amount.

The invention according to claim 8 is the loan interest rate calculation method according to claim 7 , wherein the sales recovery risk rate of other companies is zero.

The invention according to claim 9 is the loan interest rate calculation method according to claim 6 , wherein the loan interest rate calculation step determines the loan interest rate by summing the calculated recovery risk rate, office cost rate, profit rate and procurement interest rate. It is characterized by that.

The tenth aspect of the invention is characterized in that, in the loan interest rate calculating method according to the seventh aspect , the in-house sales recovery risk rate and the other company sales recovery risk rate are determined for each member store.

  In the invention described in claim 11, when the sales information by the credit card settlement transaction from the member store is received, it is stored in the storage means, and the sales proceeds are collected directly from the sales information stored in the storage means every predetermined period. Summarize the sales amount of each direct customer to be collected and send an instruction to collect directly from the customer, collect the sales amount of each indirect customer who collects indirectly through the brokerage company, and add up the brokerage company to sum up A program for causing a lending interest rate calculation server to send a collection instruction to execute a lending interest rate calculation method for a member store of a credit company, and the loan interest rate calculation method is a method for storing an uncollected portion of a customer directly from a store on the basis of storage means. The in-house sales aggregation step to calculate the in-house sales receivable amount for the member stores and the indirect information about the member stores from the storage means Read the sales amount of uncollected customers, aggregate the entire brokerage company and calculate the sales credit amount of the other company for the affiliated store, and the recovery risk rate to determine the lending interest rate to the affiliated store And a lending interest rate calculating step for determining a lending interest rate based on the calculated in-house sales receivable amount and the other company's receivable amount.

As described above, according to the present invention, the own sales totaling means for reading out the sales amount of the uncollected direct customer of the member store from the storage means, and calculating the own sales receivable amount for the member store by summing up From the storage means, the sales amount of the uncollected indirect customer for the member store is read, and the other company sales aggregation means for calculating the other company's sales receivable amount for the member store by calculating the total for the brokerage company, The credit card member stores are equipped with a lending interest rate calculation means that determines the lending interest rate by calculating the collection risk rate for determining the lending interest rate based on the calculated receivables and other companies' receivables. in the case of a lending of loans for, and sales by the company's credit card owner, to calculate the collection risk in response to the amount of sales by other companies credit card owner of It is possible to determine the interest rate out to become.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing an entire system according to an embodiment of the present invention. In this embodiment, a credit card settlement system is assumed as a transaction of the present invention, and sales processed by using a credit card are processed. However, the present invention is also implemented in various transaction forms without being limited thereto. be able to.

  Conventionally, when a purchaser performs a transaction at a member company of a credit company by credit, the purchaser presents a credit card owned by the purchaser and performs settlement via the network by using, for example, a CAT terminal. As a result, the sales of the member store are recorded in the credit company, and the sales are periodically totaled and provided to the member store. In general, the sales aggregation period is about once every half a month, and the aggregated sales are often provided by transfer to the account of the member store. Therefore, it can be considered that the sales from when the sales are registered until the transfer is made is a certain credit of the member store, but in the present invention, based on this information, the collection risk associated with loan lending to the member store Estimate.

(System configuration of this embodiment)
In the overall system of the present embodiment, the credit settlement processing system 110 and the member store terminal 130 are connected via a network 120. Here, the above systems or servers are connected to each other by some kind of network. This network can include the Internet, but on the other hand, it can also be connected via a dedicated line, or some exchanges can be made by fax or other conventional procedures. In addition, it is not necessary to adopt a specific standard or product for connection hardware or software, and the object of the present invention can be achieved if data can be exchanged by any method and configuration known in this technical field. be able to. In this specification, the system includes any one of a terminal, a server, and a database. However, in order to implement the present invention, data communication, data processing, and data management are possible even if it is not such. Any device and device can be used to configure the system.

  The credit settlement processing system 110 includes various servers (not shown) including a settlement processing server having various functions such as ordinary credit card settlement processing and sales aggregation associated therewith. However, the object of the present invention is achieved. Any function can be implemented on any server as long as possible. In the present specification, details other than the credit settlement processing server that is a part related to the present invention will not be described in detail, but this system as a whole is a necessary function conceivable in a system for performing credit settlement known in the technical field. In addition, it is assumed that corrections necessary to cope with the parts changed or added in this embodiment are added as appropriate.

  The settlement processing server or system is widely known in this technical field, and many devices having various methods and additional functions are known. Therefore, here, a part considered necessary for the description of this embodiment However, if necessary, it can be understood in consideration of such known techniques. The credit settlement processing system has a function of receiving sales information by credit transactions from the member store 130 via the network 120 and registering sales as a module for executing basic processing necessary in the present embodiment, and has been tabulated. In addition to calculating the lending interest rate based on the unpaid sales that have not been paid to the merchant in the sales, the customer 150 is invoiced and the customer 150 is transferred to the financial institution 140 or deducted (192) It has a function, a transfer processing function for transmitting a transfer (payment) instruction corresponding to the sales information to the member store, and a transmission / reception function for performing various data communications. Here, the credit settlement processing system 110 and the financial institution 140 are connected by, for example, a dedicated network. In general, the credit settlement processing system 110 and the financial institution 140 are not only used for the transfer process, but after that, the transfer amount is withdrawn from a predetermined account, the transfer is received, or the receipt is received. The transfer process is completed by the process of transmitting. In the present embodiment, such a process that accompanies or is necessary for the transfer process will not be described in particular. However, when the transfer process is referred to in the present embodiment, various technical fields that accompany or continue to be necessary. It is assumed that the process known in (1) is performed. Accordingly, a system that performs processing other than the transfer processing is included in the scope of the present invention, and of course, the transfer processing referred to here is incorporated in any form not described in this embodiment. Suppose that the whole thing can be called a transfer process.

  Further, the member store system 130 is a part that implements the processing of the member store side of the present embodiment, and specifically, a dedicated terminal (not shown) such as a CAT terminal or a POS with a credit authorization function included in the member store system 130. The credit card magnetic information and the IC chip information are read, and the transaction information, especially the payment amount, is input and transmitted via the network, and the member store terminal (not shown) included in the member store system 130 is also shown. ) Has a loan application function for transmitting a loan application used in the present embodiment from a member store to the credit settlement processing server 110, in addition to various functions known in this technical field such as various inquiry functions. Here, the member store terminal of the member store system 130 includes a predetermined processor and database. However, the present invention is not limited to this, and the processing can be executed by one terminal. You can also implement the data separately. The loan application function, which will not be described in detail in this specification, can provide and accept information reception and input interfaces known in the technical field.

  In this embodiment, the exchange between the terminal and the server shown in FIG. 1 is described so that each server or terminal is processed by software and communicates via a network. However, the present invention is not limited to this. Information transmission between the member store terminal 130 and the credit settlement processing system 110 can also be performed by a conventional communication method such as FAX or e-mail.

(Module configuration of this embodiment)
The overall configuration of this system is as described above, but the terminals and servers that constitute the individual systems of this embodiment must have at least the functions of a normal computer that can be connected to a network. Under such hardware conditions, the processing of the individual system of the present embodiment is executed by installing a software program on such hardware. Each software can be shown in a module configuration as shown in FIG. 2, for example, but this is merely an example, and the functions of each module are further divided into several modules or the functions of several modules are integrated. It goes without saying that modules can be envisaged. The module configuration of the credit settlement processing system 110 will be described below. These modules are executed in cooperation with each other, and the processing of this embodiment described later is achieved.

  FIG. 2 is a diagram illustrating a module configuration of the credit settlement processing system 110. The credit settlement processing system 110 includes a sales registration unit 201 that receives sales information from the member store system 130 and stores the sales information in the database 205. The sales totaling unit 202 that aggregates and divides into minutes, the lending interest rate calculating unit 203 that is a feature of the present embodiment that calculates the lending interest rate based on the total sales amount of the company's own sales and the sales of other companies, and loans to member stores The transfer processing unit 204 for instructing lending is provided, and the characteristic processing of this embodiment is executed. Here, when executing the loan transfer process, the transfer processing unit 204 receives a loan application from the member store system 130 and also executes a process according to the application content. In addition, there are generally various cards issued by credit card companies. For example, cards that are affiliated with other companies are issued.

  When a transaction is made with such a card, the payment from the cardholder is collected by the other company that originally contracted, but the company may make payment to the member store. That is, for a certain credit card, a credit card company or company other than the issuing credit card company or company performs payment to the member store. The system of the present embodiment assumes such a credit card company system corresponding to the company, and the credit card company that is the company in place of the other company pays to the member store of the company. The sales of other companies that are paid to the member stores are paid not to the member stores but to the credit card company that is the company in charge (the supervising company). That is, the sales of the company, which is the sales of the customer who owns the card of the company, must be collected directly from the customer, but the sales of the other company are paid by the company of the other company.

  Usually, loans are loaned based on collateral information when there is collateral, and based on the amount of various receivables in place of unsecured, etc. In the embodiment, since the process of determining the lending interest rate is a characteristic, description of the processing other than the determination of the interest amount relating to the lending amount or the actual lending amount and other loan lending or cashing is omitted. However, any method known in this technical field can be used as a method for determining conditions such as a loan amount and a loan period according to various situations of such member stores.

(Process of this embodiment)
The configuration of this embodiment has been described above, but the processing of this embodiment using the system having the above configuration will be described with reference to FIGS. FIG. 3 is a processing flowchart for explaining the entire credit settlement processing of the present embodiment. In the present embodiment, processing is performed along the entire processing flow shown in FIG. 3, but this is a typical flow of the system as in the present embodiment to the last, and it is necessary to always have such an order. However, it is also possible to change the partial order, replace a part of the procedure, or add a different procedure.

  First, when a transaction by credit is performed at the member store 130 and sales information is transmitted via the network 120, the sales registration unit 201 receives the sales information and stores it in the database 205 (S301, S302). In this way, the sales information from the member store system 130 is accumulated, and the sales are transferred by summing up every certain period such as half a month. When a loan lending application is received during the certain period, this embodiment The loan interest rate calculation process, which is a feature of, is executed. That is, it is checked whether or not a loan loan application has been received from the member store system 130 (S303). If received, the loan interest rate calculation unit 203, as will be described later with reference to FIG. The sales information of the totaling transaction is retrieved from the database 205 and totaled by the sales totaling unit 202 separately for own sales and other company sales, and the lending interest rate is calculated based on the total sales (S304).

  When a loan application is made, after calculating the loan interest rate as described later, the transfer processing unit 204 transmits a transfer instruction to the financial institution 140 to transfer the applied amount to the account of the member store (S306). ). Basically, the applied amount is transferred, but if the amount exceeds the limit determined under the various conditions described above, a process known in this technical field is performed separately. Although not described in detail here, the financial institution system 140 that has received the transfer instruction transfers the specified amount to the account of the specified member store.

  Next, with reference to FIGS. 4 and 5, the processing for calculating the lending interest rate will be described. FIG. 4 is a diagram showing a flow of processing for calculating a lending interest rate. FIG. 5 is an example of a collection risk table for explaining the lending interest rate calculation method of the present embodiment. In the present embodiment, sales are first registered as described above (step (1)), and sales are classified for each card issuing company as indicated by member store sales (A) in the table of FIG. Step (2)). Here, there are generally various types of cards issued by credit card companies, for example, cards issued in cooperation with other companies. When a transaction is performed with such a card, payment of the payment from the cardholder is performed by the company that originally contracted, but payment to the member store may be performed by a specific credit card company. The system of this embodiment assumes such a credit card company, and the company (A) in the table shown in FIG. 5 means such a credit card company. Accordingly, the companies a to c are companies or credit card companies that ask other credit card companies to make payments to the merchants, and the sales to be paid to the merchants are not the merchants but the (supervised) credit card. Pay to the company or company.

  Generally, in such sales, sales of other companies are not directly from individuals, but sales are collected through companies that are other companies, so the collection risk is much lower than direct collection from individuals. The present invention pays attention to this point, and assumes the unpaid sales amount as a claim and changes the lending interest rate accordingly. Specifically, the more the other company's sales, the more the collection risk will decrease, so the other company's sales will contribute to the lending risk, and the company's sales will contribute to the lending risk. The loan interest rate can be calculated. That is, the sales risk rate for that company is multiplied by the recovery risk rate for that company, and the sales risk rate for other companies is multiplied and added, and the result is divided by the total sales amount (step (3)). In this embodiment, as can be understood by referring to the item (B) in FIG. 5, the recovery risk rate for sales of other companies is set to zero. This is because, as described above, sales from other companies can be paid from companies rather than individuals, so the recovery risk is much lower, and lending interest rates are also easier to calculate. There is also a merit.

  After that, the credit retention rate of the member store that applied for loan is calculated (step (4)), and the applicable interest rate for each member store is calculated (step (5)). More specifically, although it can be understood with reference to FIG. 6, as an example, the lending interest rate is the collection risk rate calculated as described above, the administrative cost rate for normal expense collection, and the loan credit It can be derived by adding the interest rate that indicates the contribution of the card company's profit and the procurement interest rate such as the short-term prime rate, but is not limited to this, and various factors known in this technical field can be added. The reverse can be simpler.

  After calculating the lending interest rate in this way, in this embodiment, the lending interest rate to be applied next is notified to the member store, but various other services can also be provided.

  As explained above, in this embodiment, the sales of member stores are tabulated separately for the company's sales and those of other companies, and the collection risk rate is calculated based on this, thereby obtaining a more accurate lending interest rate. Can do.

1 is a diagram illustrating a configuration of an entire system according to an embodiment of the present invention. It is a block diagram which shows the module structure of the credit payment processing server of one Embodiment of this invention. It is a processing flowchart for demonstrating the whole credit payment process of this embodiment. It is a processing flowchart for demonstrating the loan interest rate determination process using the credit sales information of this embodiment. It is a figure for demonstrating the collection | recovery risk calculation process of the lending using the credit sales information of this embodiment. It is a figure for demonstrating the collection | recovery risk calculation process of the lending using the credit sales information of this embodiment.

Explanation of symbols

110 credit settlement processing system 120 network 130 member store system 140 financial institution system 150 customer 201 sales registration unit 202 sales totaling unit 203 lending interest rate calculation unit 204 transfer processing unit 205 database

Claims (11)

When sales information from a credit card settlement transaction from a member store is received, the sales amount is stored in the storage means, and the sales amount for each direct customer that directly collects the sales proceeds from the sales information stored in the storage means for each predetermined period. Aggregate and send an instruction to collect directly from the customer, aggregate the sales amount for each indirect customer who collects indirectly through the brokerage company, and sum up the brokerage company and send an instruction to collect from the brokerage company A loan interest calculation system for member stores of a credit company,
From the storage means, the sales amount of the uncollected direct customer for the member store is read, the own sales totaling means for calculating the own sales receivable amount for the member store by summing,
From the storage means, the sales amount of the uncollected portion of the indirect customer for the member store is read, the other company sales aggregation means for calculating the other company sales receivable amount for the member store by totaling the brokerage company,
A lending interest rate calculating means for determining a lending interest rate by calculating a collection risk rate for determining a lending interest rate to the member store based on the calculated amount of receivables of the company and other companies. Lending interest rate calculation system.   The lending interest rate calculation means adds the company's own sales receivable amount and other company's sales receivable amount calculated for the member store by multiplying its own sales recovery risk rate and other company's sales recovery risk rate, respectively. The loan interest rate calculation system according to claim 1, wherein the recovery risk rate is calculated by dividing by an amount obtained by adding the other company's sales receivables. The loan interest rate calculation system according to claim 2 , wherein the third party sales recovery risk rate is zero. The lending interest rate calculating system according to claim 1 , wherein the lending interest rate calculating means determines a lending interest rate by adding the calculated recovery risk rate, office work cost rate, profit rate and procurement interest rate. The loan interest rate calculation system according to claim 2 , wherein the own sales recovery risk rate and the other company sales recovery risk rate are determined for each member store. When sales information from a credit card settlement transaction from a member store is received, the sales amount is stored in the storage means, and the sales amount for each direct customer that directly collects the sales proceeds from the sales information stored in the storage means for each predetermined period. Aggregate and send an instruction to collect directly from the customer, aggregate the sales amount for each indirect customer who collects indirectly through the brokerage company, and sum up the brokerage company and send an instruction to collect from the brokerage company A loan interest rate calculation method for a member company of a credit company,
From the storage means, the sales amount of the uncollected portion of the direct customer for the member store is read, and the own sales totaling step of calculating the own sales receivable amount for the member store by summing up,
From the storage means, the sales amount of the uncollected portion of the indirect customer for the member store is read, and the other company sales aggregation step of calculating the other company's sales receivable amount for the member store by counting the entire brokerage company;
A loan interest rate calculating step for determining a loan interest rate by calculating a recovery risk rate for determining a loan interest rate for the member store based on the calculated amount of receivables of the company and other companies. Lending interest rate calculation method.   In the lending interest calculation step, the amount of the company's sales receivables calculated by multiplying the company's own sales receivables amount and other company's sales receivables amount by multiplying the company's own sales collection risk rate and the other company's sales collection risk rate, respectively, is calculated. The loan interest rate calculation method according to claim 6, wherein the recovery risk rate is calculated by dividing by a total of the other company's sales receivables. The loan interest rate calculation method according to claim 7 , wherein the third party sales recovery risk rate is zero. The lending interest rate calculating method according to claim 6 , wherein the lending interest rate calculating step determines a lending interest rate by summing the calculated recovery risk rate, office work cost rate, profit rate and procurement interest rate. The lending interest rate calculation method according to claim 7 , wherein the own sales recovery risk rate and the other company sales recovery risk rate are determined for each member store. When sales information from a credit card settlement transaction from a member store is received, the sales amount is stored in the storage means, and the sales amount for each direct customer that directly collects the sales proceeds from the sales information stored in the storage means for each predetermined period. Aggregate and send an instruction to collect directly from the customer, aggregate the sales amount for each indirect customer who collects indirectly through the brokerage company, and sum up the brokerage company and send an instruction to collect from the brokerage company The loan interest calculation server executes a loan interest calculation method for a credit company member store, and the loan interest calculation method includes:
From the storage means, the sales amount of the uncollected portion of the direct customer for the member store is read, and the own sales totaling step of calculating the own sales receivable amount for the member store by summing up,
From the storage means, the sales amount of the uncollected portion of the indirect customer for the member store is read, and the other company sales aggregation step of calculating the other company's sales receivable amount for the member store by counting the entire brokerage company;
A loan interest rate calculating step for determining a loan interest rate by calculating a recovery risk rate for determining a loan interest rate for the member store based on the calculated amount of receivables of the company and other companies. Program.

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