JP5513766B2 - Loan management system, loan management method and loan management program - Google Patents

Description

  The present invention relates to a loan management system, a loan management method, and a loan management program that are used when a financial institution provides a loan by overdraft to a customer.

  A bank may conclude an overdraft agreement with a business partner. In this overdraft contract, the bank pays the promissory note, check, or underwritten exchange note that the business partner has drawn beyond the balance of the current account up to the maximum amount specified by the contract. This would allow the bank to lend funds to pay bills, checks or bills of exchange.

  In such loans, it is necessary to set an interest rate as a repayment condition, and there are a fixed interest rate type and a variable interest rate type. Floating interest type loans change interest rates (interest rate renewal) in accordance with irregularly varying interest rates (long-term and short-term prime rates).

  Therefore, a technique for automatically calculating an applicable interest rate in a loan service by a computer has been studied (for example, Patent Document 1). In the system described in this document, the loan business master file storing the interest rate information record for historically managing the interest rate for each loan, the interest rate of the long-term prime rate and the short-term prime rate, and the start date were recorded in time series. And a regulated interest rate table. The current applicable interest rate is calculated using the loan business master file and the regulated interest rate table.

  In addition, a technique for setting an appropriate loan interest rate for each business partner has been studied (for example, Patent Document 2). In the technique described in this document, a score for each type of transaction contracted between a financial institution and a loanee who receives a loan and a discount interest rate corresponding to the total score are set in advance. And when a loanee receives a loan, a discount interest rate is calculated | required from the total score for every point object transaction. The loan interest rate is determined by subtracting the discounted interest rate from a preset reference interest rate corresponding to the type, period, loan amount, etc. of the loan received by the loanee.

  In addition, a technique for quickly and efficiently responding to a loan execution application from a borrower company using a communication network has been studied (for example, Patent Document 3). In the loan business support system described in this document, execution request information including a loan application amount and a desired loan execution date transmitted from a terminal of a borrower company via a communication network is received. This execution request information is read out and transmitted to the terminal of the financial institution. Thereafter, response information for the execution request information is received from the terminal of the financial institution, and the response information is transmitted to the terminal of the borrower company.

JP 2000-82100 A (first page, FIG. 1) Japanese Patent Laid-Open No. 10-240832 (first page, FIG. 2) Japanese Patent Laying-Open No. 2005-4725 (first page, FIG. 1)

In the techniques described in Patent Documents 1 and 2 described above, the interest rate is set according to an external situation or a customer situation.
Conventionally, when overdraft is used, borrowing conditions are determined according to an application for borrowing. The customer brought the application documents to the bank store, and the bank executed the loan after confirming the contents of the documents. Here, as described in Patent Document 3, by using a network, it is possible to improve the efficiency of banking operations and improve customer convenience.

  However, particularly in the case of an application using a network, it is desirable that not only the application place but also the application application timing can be changed according to the customer situation. Even under such circumstances, it is necessary to set an appropriate interest rate.

  The present invention has been made to solve the above-mentioned problems, and the use of loans can be promoted efficiently while making it possible for customers to use the loans efficiently and at the same time improving the efficiency of operations at financial institutions. A loan management system, a loan management method, and a loan management program.

In order to solve the above-mentioned problems, the invention according to claim 1 is a transaction for performing a loan in association with a customer identifier, a credit line information storage means for recording information relating to a loan frame and a loan balance in association with a customer identifier. A loan management system comprising a loan application information storage means for recording information on the scheduled date, desired transaction amount, maximum interest rate and repayment conditions, and a control means connected to the customer terminal and host system used for the loan application. The control means acquires from the customer terminal a new application in which a scheduled transaction date, a desired transaction amount and a maximum interest rate are set, and records the new application in association with a customer identifier in the loan application information storage means; when acquiring the information about the newly established has been financed interest in the recorded transaction date to loan application information storing means, comparing the maximum interest and the loan interest rates If the loan interest rate is less than or equal to the upper limit interest rate, a remaining balance obtained by subtracting the loan balance on the scheduled transaction date is calculated from the credit limit associated with the customer identifier, and the desired transaction amount exceeds the credit limit. If not, means for transmitting a loan execution instruction including information on the loan and repayment conditions to the host system to perform the loan, and updating information on the loan balance in the loan frame information storage unit; The main point is that

  According to a second aspect of the present invention, the loan management system according to the first aspect further includes caution information storage means for recording caution information in association with a customer identifier, and the control means examines whether or not the loan is possible. Connected to the person-in-charge terminal, the control means obtains repayment status information about the loan from the host system, and if the repayment is not performed based on the repayment condition, associates with the customer identifier Means for registering attention information in the attention information storage means, and when a new application is acquired from the customer terminal, the attention information storage means searches the attention information about the customer, and the attention information storage means The gist of the present invention is that the information processing apparatus further includes means for outputting the application contents including the caution information to the person-in-charge terminal when the information is acquired.

  According to a third aspect of the present invention, in the loan management system according to the first or second aspect, the control means acquires a repayment amount for each scheduled repayment for each loan of the customer, and each repayment schedule. And a means for calculating a repayment sum totaling the repayment amount in a month, and a means for generating a repayment amount prediction display displaying the repayment sum in time series and outputting it to the customer terminal or the person-in-charge terminal. And

  Invention of Claim 4 is the loan management system as described in any one of Claims 1-3, The said control means calculates the loan balance reduced by repayment about the loan of each repayment scheduled month, The gist of the invention is that it further comprises means for calculating a remaining frame obtained by subtracting the loan balance from the loan frame, and outputting a loan remaining frame prediction displaying the remaining frame in time series.

  The invention according to claim 5 is the loan management system according to any one of claims 1 to 4, wherein the control means obtains the deposit amount information to the account of each customer from the host system, The gist of the present invention is that it further comprises means for calculating a credit line corresponding to the deposit amount information.

  The invention according to claim 6 is the loan management system according to any one of claims 1 to 5, wherein the control unit acquires balance information of each customer's account from the host system, and the balance The gist of the invention is that it further includes means for calculating a credit line corresponding to the information.

The invention according to claim 7 is a credit line information storage means for recording information relating to a credit line and a loan balance in association with a customer identifier, a scheduled transaction date for performing a loan, a desired transaction amount, a maximum interest rate in association with the customer identifier A method of accepting a loan using a loan management information system including a loan application information storage unit in which information on repayment conditions is recorded, a customer terminal used for applying for a loan, and a control unit connected to a host system. The control means acquires from the customer terminal a new application in which a scheduled transaction date, a desired transaction amount and a maximum interest rate are set, and records the new application in association with a customer identifier in the loan application information storage means; when acquiring the information about the newly established has been financed interest in the trading date recorded in the item storage means, comparing said maximum interest and the loan interest rates When the loan interest rate is equal to or lower than the upper limit interest rate, a remaining frame obtained by subtracting the loan balance on the scheduled transaction date is calculated from the credit line associated with the customer identifier, and the desired transaction amount is calculated based on the credit line. If not, a step of transmitting a loan execution instruction including information on the loan and repayment conditions to the host system to perform the loan, and updating information on the loan balance in the loan frame information storage unit The gist is to execute.

The invention according to claim 8 is a credit line information storage means for recording information relating to a credit line and a loan balance in association with a customer identifier, a scheduled transaction date for performing a loan, a desired transaction amount, a maximum interest rate in association with the customer identifier This is a program for accepting a loan application using a loan management system comprising a loan application information storage means in which information on repayment conditions is recorded, a customer terminal used for loan application, and a control means connected to a host system. The control means acquires from the customer terminal a new application in which a scheduled transaction date, a desired transaction amount and a maximum interest rate are set, and records the new application in association with a customer identifier in the loan application information storage means, the loan when acquiring the information about the newly established has been financed interest in the transaction date recorded in the application information storing means, the maximum interest and the loan interest rates If the loan interest rate is equal to or lower than the upper limit interest rate, a remaining frame obtained by subtracting the loan balance on the scheduled transaction date is calculated from the loan frame associated with the customer identifier, and the desired transaction amount is If the credit limit is not exceeded, a loan execution instruction including information on the return loan and the repayment condition is transmitted to the host system in order to make a loan, and information on the loan balance in the loan limit information storage means The gist of this is to make it function as a means for updating .

(Function)
According to the invention of claim 1, 7 or 8, the control means obtains a new application in which a scheduled transaction date, a desired transaction amount and a maximum interest rate are set from the customer terminal, and relates to the customer identifier to apply for a loan. Record in the information storage means. Next, when the information regarding the loan interest rate on the scheduled transaction date recorded in the loan application information storage means is acquired, the loan interest rate is compared with the upper limit interest rate. When the loan interest rate is equal to or less than the upper limit interest rate, a remaining frame obtained by subtracting the loan balance on the scheduled transaction date is calculated from the loan frame associated with the customer identifier. Here, when the desired transaction amount does not exceed the credit line, the repayment condition is registered with the host system in order to make a loan. Thereby, it is possible to apply for a loan before the interest rate is fixed. Therefore, the timing of loan application is not limited. And when an interest rate is decided, it can lend based on an upper limit interest rate.

  According to the second aspect of the present invention, the control means obtains the repayment status information about the loan from the host system, and when the repayment is not performed based on the repayment condition, the control means is associated with the customer identifier. Information is registered in the caution information storage means. When a new application is acquired from the customer terminal, the attention information about the customer is searched in the attention information storage means. When the caution information is acquired in the caution information storage means, the application content including the caution information is output to the person-in-charge terminal. As a result, when there is a problem with the repayment status, it is possible to call attention to the person in charge of the bank, and to suppress the loan to the customer whose repayment arrears have occurred.

  According to the invention described in claim 3, the control means obtains the repayment amount of each repayment scheduled month for each loan of the customer, and calculates the repayment sum total of the repayment amounts in each repayment scheduled month. And the repayment amount prediction display which displayed the repayment total in time series is produced | generated, and it outputs to a customer terminal or a person in charge terminal. Thereby, the repayment burden in a customer can be grasped. The customer can apply for a loan in consideration of this repayment burden. In addition, the person in charge of the bank can determine whether or not the loan is possible in consideration of the repayment burden.

  According to the invention described in claim 4, the control means calculates the loan balance reduced by repayment for each loan scheduled for repayment, calculates the remaining balance obtained by subtracting the loan balance from the loan facility, and in time series The loan balance forecast that displays the balance is output. Thereby, it is possible to grasp the usage status of the credit line at the customer. The customer can apply for a loan in consideration of the usage status of the loan facility. In addition, the person in charge of the bank can determine whether or not the loan can be made in consideration of the use status of the credit line.

  According to the invention described in claim 5, the control means obtains the deposit amount information to the account of each customer from the host system, and calculates the credit line corresponding to the deposit amount information. Accordingly, in consideration of the deposit status in the customer's account, the bank can promote the loan by expanding the loan frame. Customers can also manage their funds smoothly by expanding their credit lines.

  According to the sixth aspect of the present invention, the control means acquires the balance information of each customer's account from the host system, and calculates the credit line corresponding to the balance information. Accordingly, in consideration of the account balance in the customer's account, the bank can promote the loan by expanding the loan frame. Customers can also manage their funds smoothly by expanding their credit lines.

  According to the present invention, it is possible to efficiently use a loan at a customer, and it is possible to promote the use of a loan while improving the efficiency of business at a financial institution.

The system schematic of embodiment of this invention. It is explanatory drawing of the data recorded on the data storage part, Comprising: (a) is a customer management data storage part, (b) is a transaction status management data storage part, (c) is recorded in a credit line management data storage part Explanatory drawing of data. It is explanatory drawing of the data recorded on the data storage part, Comprising: (a) is loan application data storage part, (b) is explanatory drawing of the data recorded on the application history data storage part. It is explanatory drawing of the data recorded on the data storage part, Comprising: (a) is a refund request | requirement data storage part, (b) is a repayment condition data storage part, (c) is description of the data recorded on the template data storage part. Figure. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. In this embodiment, it is assumed that various services are provided to corporate customers via the Internet. A contract for providing a service is concluded with such a corporate customer. Customers who have entered into such contracts can use the Internet to register balances, deposit and withdrawal details, domestic transactions such as transfers and transfers, remittances, exports, etc. And foreign exchange transactions such as imports and foreign currency deposits. In the present embodiment, a description will be given as a loan management system, a loan management method, and a loan management program used when a loan is provided to a customer of such a corporate contract using overdraft.

  In the present embodiment, as shown in FIG. 1, a client terminal 10 of a customer and a service management server 20 of a financial institution are connected to each other via a network (Internet). Further, the client terminal 30 and the host system 40 in the bank are connected to the service management server 20 via the bank network.

  Each client terminal (10, 30) is used when a customer, a person in charge within the bank, or an authority within the bank accesses the service management server 20. The client terminal 10 is a computer terminal (customer terminal) used when a customer who is a business partner of a financial institution applies for an overdraft. The client terminal 30 is a computer terminal (person in charge terminal) that is used when an in-bank person in charge of a bank accepts a loan application and an in-bank authority examines whether or not the loan by overdraft is possible. The client terminals (10, 30) have a function of transmitting data via a network, a function of displaying received data, and the like. For this reason, this client terminal (10, 30) has an input means such as a keyboard and a mouse, an output means such as a display, a communication means, etc. in addition to a CPU, RAM and ROM (not shown).

  The host system 40 is a bank computer system and manages data related to the account holder and account balance of an account opened in the bank. The host system 40 includes an account master data storage unit (not shown). In this account master data storage unit, an account management record relating to a deposit account opened in a bank is recorded. This account management record is registered when an account is opened in a financial institution. The account management record includes data relating to an account identifier, a personal identification number, account holder information (customer ID), deposit / withdrawal history, account balance, and the like.

  Further, the host system 40 executes a loan execution process and a loan repayment management process. Specifically, when execution of financing is instructed, the desired transaction amount is transferred to the customer's checking account. Also, the repayment amount is collected based on the repayment conditions.

  The service management server 20 is a computer system that accepts loan applications from customers for overdrafts. As shown in FIG. 1, the service management server 20 includes a control unit 21, a customer management data storage unit 22, a transaction status management data storage unit 23, a credit line management data storage unit 24, a loan application data storage unit 25, an application history. A data storage unit 26, a refund request data storage unit 27, a repayment condition data storage unit 28, and a template data storage unit 29 are provided. In this embodiment, the credit line management data storage unit 24 functions as a credit line information storage unit, the transaction status management data storage unit 23 functions as a caution information storage unit, and a refund request data storage unit 27 and a repayment condition data storage unit. 28 functions as loan application information storage means.

The control unit 21 performs a data management process and the like used when managing loans by overdrafts. And the control part 21 has a control means (CPU, memory, etc. which are not shown in figure), and processes (access management stage, loan status management stage, application reception stage, examination support stage, interest rate response stage, repayment status management stage, which will be described later. , Processing including a credit line management stage and a template management stage). By executing the loan management program for this purpose, the control unit 21 has access management means 211, loan status management means 212, application reception means 213, examination support means 214, interest rate response means 215, repayment status management means 216, loan It functions as a frame management unit 217, a template management unit 218, and the like.

The access management unit 211 executes a process of authenticating a user who has accessed the service management server 20 and specifying each user.
The loan status management unit 212 executes a process for managing the usage status of overdraft for each customer.

The application receiving unit 213 executes a process of receiving a loan application by overdraft from a customer.
The examination support unit 214 supports the examination procedure of the person in charge and the authority in the bank for the received loan application by overdraft, and executes a process for managing the response to the application.

The interest rate response means 215 executes processing for managing the interest rate applied to the overdraft.
The repayment status management means 216 executes processing for acquiring the repayment status of each customer from the host system 40. The repayment status management means 216 holds data relating to a payment status evaluation period for calculating the deposit amount to the account and a repayment arrears evaluation period for calculating the number of repayment arrears.

  The credit line management unit 217 executes a process for managing the overdraft credit line based on the customer situation. When it is detected that the deposit amount exceeds the reference range, the loan facility management means 217 makes a proposal for expanding the credit facility to the person in charge in the bank or the authority in the bank. For this reason, the credit line management means 217 holds data relating to a reference range for determining whether or not a loan limit expansion proposal is necessary. Furthermore, the credit line management means 217 holds data relating to the rate (increase rate) of expanding the credit line in this proposal.

  Further, when the number of arrears exceeds the reference number of arrears, the credit line management means 217 makes a proposal for reducing the credit line to a person in charge in the bank or a person in charge within the bank. For this reason, the credit line management means 217 holds data relating to the standard number of delinquencies for determining whether or not a proposal for reducing the credit line is necessary. Furthermore, the credit line management means 217 holds data relating to a ratio (decrease rate) for reducing the credit line in this proposal.

  The template management means 218 executes processing for managing a template for a refund request and repayment conditions used in overdraft. In this template, initial values of loan conditions calculated using the most recent predetermined number of loan histories are set. For this reason, the template management means 218 holds data relating to the number of loan histories (reference number) used to calculate the initial value of the template.

  As shown in FIG. 2A, a customer management record 220 for managing customers who use overdraft is recorded in the customer management data storage unit 22. This customer management record 220 is set when registration is made for an overdraft use application. The customer management record 220 includes a contract ID, a service ID, a customer ID, customer clerk information, customer approver information, a deletion flag, and data regarding a deletion date.

In the contract ID data area, data relating to an identifier for specifying a contract concluded between a financial institution and a customer is recorded.
In the service ID data area, data relating to an identifier for specifying an overdraft contract is recorded.

  In the customer ID data area, data relating to an identifier (customer identifier) for specifying a customer who has concluded an overdraft contract is recorded. In this embodiment, the customer who uses the loan can be specified by the contract ID and the service ID.

  In the customer clerk information data area, an identifier (a clerk ID) of a person who makes a loan application by overdraft at the customer, a password for authenticating the person, and data regarding the contact information of this person are recorded. .

  In the customer approver information data area, an identifier (approver ID) of an approver who approves a loan application by overdraft at the customer at the customer, a password for authenticating the person, a contact information of this approver ( E-mail address) data is recorded.

In the deletion flag data area, a flag for determining the validity of this record is recorded.
In the deletion date data area, data relating to an identifier for specifying the date when this record was deleted is recorded.

  As shown in FIG. 2B, the transaction status management data storage unit 23 records a transaction status management record 230 in which the transaction status and proposal information for each customer is recorded. This transaction status management record 230 is set when registration is made for an overdraft use application. The transaction status management record 230 includes data relating to a contract ID, a service ID, an attention destination flag, a transaction status, proposal information, a deletion flag, and a deletion date.

In the contract ID data area, data relating to an identifier for specifying a contract concluded between a financial institution and a customer is recorded.
In the service ID data area, data relating to an identifier for specifying an overdraft contract is recorded.

In the attention destination flag data area, a flag indicating that information to be noted about the customer has been acquired is recorded.
In the transaction status data area, data related to the transaction status performed with the customer is recorded. Specifically, a payment history (a payment date and a deposit amount) to each account held by the customer is recorded.

  In the proposal information data area, data related to proposals for in-line personnel and in-line authority is recorded for this customer. Specifically, in this proposal information data area, for example, data relating to a proposal for changing a credit line (expansion of credit line or credit line reduction) and a proposal for monitoring a customer situation is recorded.

In the deletion flag data area, a flag for determining the validity of this record is recorded.
In the deletion date data area, data relating to an identifier for specifying the date when this record was deleted is recorded.

  In the credit line management data storage unit 24, as shown in FIG. 2 (c), a credit line management record 240 is recorded for the limit of the loan that can be provided to the customer by overdraft. This credit line management record 240 is registered when a credit line is determined. The credit line management record 240 is configured to include data relating to contract ID, service ID, status, credit line, deletion flag, and deletion date.

In the contract ID data area, data relating to an identifier for specifying a contract concluded between a financial institution and a customer is recorded.
In the service ID data area, data relating to an identifier for specifying an overdraft contract is recorded.

In the status data area, data relating to the amount of money (remaining space) that can be used in this loan frame is recorded.
In the credit line data area, data relating to the maximum amount that can be financed is recorded.

In the deletion flag data area, a flag for determining the validity of this record is recorded.
In the deletion date data area, data relating to an identifier for specifying the date when this record was deleted is recorded.

  In the loan application data storage unit 25, as shown in FIG. 3A, a loan application record 250 for managing a loan application by overdraft received from a customer is recorded. This loan application record 250 is registered when a loan application by overdraft is accepted from a customer. The loan application record 250 relates to an application ID, a contract ID, a service ID, an applicant ID, an application date / time, an approver ID, an approval date / time, an approval status, a reception status, a separate confirmation reason, an approval return reason, a deletion flag, and a deletion date. Consists of data.

In the application ID data area, data relating to an identifier for specifying each application for overdraft is recorded.
In the contract ID data area, data relating to an identifier for specifying a contract concluded between a financial institution and a customer is recorded.

In the service ID data area, data relating to an identifier for specifying an overdraft contract is recorded.
In the applicant ID data area, data relating to an identifier for identifying an applicant who has applied for a loan by overdraft is recorded.

In the application date and time data area, data related to the date and time when the loan application by overdraft was made is recorded.
In the approver ID data area, data relating to an identifier for identifying an approver who has approved a loan application by overdraft is recorded.

In the approval date / time data area, data related to the date and time when the loan application by overdraft is approved is recorded.
In the approval status data area, data relating to a flag for specifying the approval status is recorded. In this embodiment, when a loan application is made, an application pending flag, an approved flag when the application is approved, a return flag when it is returned, and an application withdrawal flag when the application is withdrawn To be recorded.

  In the reception status data area, data relating to a flag for specifying the processing status of the loan application by the in-line person in charge or the in-line authority is recorded. In the present embodiment, a received flag is recorded when reception is performed by a person in charge within the bank. If it is determined by the in-line authority that separate confirmation is required, a separate confirmation flag is recorded. When a loan application is canceled, an application cancellation flag is recorded, and when a loan is executed, a form output flag is recorded.

In the separate confirmation reason data area, data relating to the reason why confirmation is required for this loan application is recorded.
In the approval return reason data area, data on the reason for making a return for this loan application is recorded.

In the deletion flag data area, a flag for determining the validity of this record is recorded. Specifically, it is recorded when a loan application is canceled or when repayment is completed.
In the deletion date data area, data relating to an identifier for specifying the date when this record was deleted is recorded.

  In the application history data storage unit 26, as shown in FIG. 3B, an application history record 260 for managing an operation history for overdraft is recorded. The application history record 260 is registered when an operation for the loan application is performed. The application history record 260 includes data relating to an application ID, contract ID, service ID, operation date / time, transaction operator ID, classification, deletion flag, and deletion date.

In the application ID data area, data relating to an identifier for specifying each loan application by overdraft is recorded.
In the contract ID data area, data relating to an identifier for specifying a contract concluded between a financial institution and a customer is recorded.

In the service ID data area, data relating to an identifier for specifying an overdraft contract is recorded.
In the operation date / time data area, data relating to an identifier for specifying the date and time when the operation for handling the loan application is performed is recorded.

In the transaction operator ID data area, data relating to an identifier for identifying the user who has performed this operation, the person in charge within the line, and the person in charge within the line is recorded.
Data related to an identifier for specifying the content of the operation is recorded in the division data area. In this embodiment, classifications for identifying application, registration, form output, etc. are registered in the customer history, and classifications for identifying inquiry, reception, form output, separate confirmation, etc. are registered in the bank history.

In the deletion flag data area, a flag for determining the validity of this record is recorded.
In the deletion date data area, data relating to an identifier for specifying the date when this record was deleted is recorded.

  In the refund request data storage unit 27, as shown in FIG. 4 (a), a refund request record 270 for managing a refund request for an amount financed by overdraft is recorded. This refund request record 270 is registered when an application for a loan by overdraft is accepted. The refund request record 270 includes data relating to an application ID, a desired transaction amount, a scheduled transaction date, a scheduled repayment date, an upper limit interest rate, a fixed interest rate, a deletion flag, and a deletion date.

In the application ID data area, data relating to an identifier for specifying each loan application by overdraft is recorded.
In the desired transaction amount data area, data relating to the amount desired to be refunded by overdraft is recorded.

In the scheduled transaction date data area, data related to the scheduled date on which the loan is executed is recorded.
In the scheduled repayment date data area, data related to the scheduled date of completing repayment for this loan is recorded.

In the upper limit interest data area, data relating to the upper limit value (interest rate) of an interest that can be permitted by the customer in this loan is recorded. This data area is recorded only when a loan application with a maximum interest rate is made.
In the fixed interest rate data area, data relating to the interest rate (fixed interest rate) set in the loan is recorded.

In the deletion flag data area, a flag for determining the validity of this record is recorded.
In the deletion date data area, data relating to an identifier for specifying the date when this record was deleted is recorded.

  In the repayment condition data storage unit 28, as shown in FIG. 4B, a repayment condition record 280 in which the loan repayment conditions are recorded is recorded. This repayment condition record 280 is registered when a loan application by overdraft is accepted. Repayment condition record 280 includes application ID, repayment method, split repayment condition, interest payment method, contract repayment date (repayment date selection), contract repayment date (repayment date designation), repayment date holiday correction, deletion flag, and deletion date data It is comprised including.

In the application ID data area, data relating to an identifier for specifying each loan application by overdraft is recorded.
In the repayment method data area, data relating to an identifier for specifying a repayment method (here, collective repayment or split repayment) is recorded.

  In the partial repayment condition data area, data relating to the initial repayment year, the initial repayment month, the initial repayment amount, the repayment cycle, each repayment amount, the final repayment amount, etc. in the partial repayment is recorded. This split repayment condition is set only when split repayment is designated.

  In the interest payment method data area, data relating to an identifier for specifying the interest payment method is recorded. In this embodiment, each method of prepayment on the scheduled transaction date, postpay on the scheduled transaction date, prepayment for each scheduled transaction date and principal repayment date, and postpay for each principal repayment date can be set.

Data relating to the repayment date in the repayment cycle is recorded in the promised repayment date (repayment date selection) data area.
Data relating to the specified repayment date is recorded in the contracted repayment date (repayment date designation) data area.
In the repayment date holiday correction data area, data relating to an identifier for specifying a correction method (for example, the previous business day or the subsequent business day) when the repayment date falls on a holiday is recorded.

In the deletion flag data area, a flag for determining the validity of this record is recorded.
In the deletion date data area, data relating to an identifier for specifying the date when this record was deleted is recorded.

In the template data storage unit 29, as shown in FIG. 4C, a template record 290 for a loan application template used when receiving a loan by overdraft is recorded. The template record 290 is registered when a template application is received from a customer and the examination result is passed. The template record 290 includes data relating to a template ID, contract ID, service ID, refund request pattern, repayment condition pattern, status, deletion flag, and deletion date.

In the template ID data area, data relating to an identifier for specifying each loan application template is recorded.
In the contract ID data area, data relating to an identifier for specifying a contract concluded between a financial institution and a customer is recorded.

In the service ID data area, data relating to an identifier for specifying an overdraft contract is recorded.
In the refund request pattern data area, data relating to each parameter for requesting a refund in the loan application template is recorded.

In the repayment condition pattern data area, data regarding each parameter regarding the repayment condition is recorded in the loan application template.
In the status data area, data relating to a flag for specifying the registration status of the loan application template is recorded. Here, a temporary registration flag, a main registration flag, or a return flag is set.

In the deletion flag data area, a flag for determining the validity of this record is recorded.
In the deletion date data area, data relating to an identifier for specifying the date when this record was deleted is recorded.

  Furthermore, the service management server 20 includes an interest rate information storage unit (not shown). In this interest rate information storage section, data relating to the current interest rate (loan interest rate) and data relating to the date (interest application date) to which this interest rate is applied are recorded. In the present embodiment, the current interest rate is applied from a date (interest rate application date) after two business days.

The process which manages the loan using overdraft using the system comprised as mentioned above is demonstrated using FIGS.
(Loan application processing)
First, a loan application process using overdraft will be described with reference to FIGS. When a customer of a business partner applies for a loan using overdraft, the client terminal 10 is used to access the service management server 20.

  In this case, the control unit 21 of the service management server 20 executes an access handling process (step S1-1). Specifically, the access management unit 211 of the control unit 21 transmits authentication screen data to the client terminal 10 that has performed access. This authentication screen is provided with a setting field for inputting the accessed user ID and password.

  Next, the control part 21 of the service management server 20 performs a user authentication process (step S1-2). Specifically, the access management unit 211 of the control unit 21 acquires data related to the user ID and password input on the authentication screen from the client terminal 10. Then, the access management unit 211 compares the user ID and password acquired from the client terminal 10 with the user ID and password of the customer management record 220 recorded in the customer management data storage unit 22. When the user authentication cannot be performed, the access management unit 211 denies access from the client terminal 10.

When the user authentication is completed, the control unit 21 of the service management server 20 executes a customer information acquisition process (step S1-3). Specifically, the access management unit 21 of the control unit 21.
1 acquires the contract ID and service ID recorded in the customer management record 220 that has completed the user authentication. Then, the access management unit 211 acquires the credit line management record 240 in which the acquired contract ID and service ID are recorded from the credit line management data storage unit 24. Further, the access management unit 211 acquires a refund request record 270 in which the contract ID and the service ID are recorded from the refund request data storage unit 27.

  Next, the control unit 21 of the service management server 20 executes a menu screen display process (step S1-4). Specifically, the access management unit 211 of the control unit 21 outputs a menu screen to the display of the client terminal 10. On this menu screen, icons for selecting respective processing requests for loan status display, overdraft new application, overdraft details search, and template registration are output. The person in charge selects the overdraft details search icon when checking the progress of the application made by himself / herself. When any icon is selected, the client terminal 10 transmits a selection result notification to the service management server 20. This selection result notification includes a flag that can specify an overdraft details search, a loan status display, a new overdraft application, and a template registration processing request.

  When the overdraft details search icon is selected, the control unit 21 of the service management server 20 extracts the loan application record 250 associated with the person-in-charge ID of the person in charge and displays the list.

When the loan status display icon is selected, the control unit 21 of the service management server 20 executes a loan status display process (step S1-5a). Specifically, the loan status management unit 212 of the control unit 21 outputs the current overdraft usage status to the display of the client terminal 10 as described later.
When the template registration icon is selected, the control unit 21 of the service management server 20 executes a template registration process described later (step S1-5b).

  Here, when the overdraft new application icon is selected without using the loan application template, the control unit 21 of the service management server 20 executes a loan application screen output process (step S1-6). Specifically, the application receiving unit 213 of the control unit 21 outputs a loan application screen for applying for a loan on the display of the client terminal 10. This loan application screen is provided with a setting column for each item regarding refund request and repayment conditions. Refund request items include items such as desired transaction amount, scheduled transaction date, scheduled repayment date, and the like. In addition, repayment condition items include repayment method, split repayment method (with initial repayment, initial repayment amount, repayment cycle, each floor repayment amount, final repayment amount), interest payment method, contract repayment date, and repayment date are holidays Includes items such as correction.

  And the control part 21 of the service management server 20 performs the reception process of a loan application (step S1-7). Specifically, when each item is set on the loan application screen output on the display of the client terminal 10 and an application transmission instruction is input, the application accepting unit 213 of the control unit 21 requests a refund from the client terminal 10 and Get data on repayment conditions. Then, the application receiving unit 213 assigns an application ID, generates a loan application record 250, and records it in the loan application data storage unit 25. In this case, the approver ID associated with the person-in-charge ID is set in the approver ID data area, and each data area from the approval date to the deletion date is left blank. Next, the application accepting unit 213 generates a refund request record 270 and a repayment condition record 280 that record the acquired data of each item, and registers them in the refund request data storage unit 27 and the repayment condition data storage unit 28.

Further, the application receiving unit 213 generates an application history record 260 and records it in the application history data storage unit 26. Furthermore, in the present embodiment, an interest rate confirmation process described later is executed here.
Next, the control unit 21 of the service management server 20 executes an approval circulation process (step S1-8). Specifically, the application receiving unit 213 of the control unit 21 acquires the contact information (email address) of the approver associated with the person in charge in the customer management record 220. Then, the application accepting means 213 transmits an email including a message notifying that the loan application has been made to this contact address.

The approver who has received the mail accesses the service management server 20 using the client terminal 10.
Also in this case, the control unit 21 of the service management server 20 performs an access handling process (step S1-1), a user authentication process (step S1-2), a customer information acquisition process (step S1-3), and a menu screen. Display processing is executed (step S1-4).

  Here, when the overdraft search icon is selected, an application status output process is executed (step S1-9). Specifically, the application receiving unit 213 of the control unit 21 generates an application status list screen that displays a list of loan application records 250 in which the approver ID is set. Then, the application reception unit 213 outputs the application status list screen to the display of the client terminal 10. When approving, the approver selects a loan application for which an approved flag is not recorded as an approval status on the application status list screen, and inputs a detailed display request.

  The control unit 21 of the service management server 20 that has acquired the detail display request executes a determination process as to whether or not the user is an approver (step S1-10). Specifically, the application receiving unit 213 of the control unit 21 determines the type of accessor (authorizer) based on the user ID recorded in the customer management record 220 used for user authentication in the access management unit 211. judge.

  Here, when it is determined that the user ID is the person-in-charge ID and not the approver (in the case of “NO” in step S1-10), the control unit 21 of the service management server 20 executes error processing (step S1-10). S1-11). Specifically, the application receiving unit 213 of the control unit 21 outputs an error message indicating that there is no approval authority on the display of the client terminal 10.

  On the other hand, when the user ID authenticated in the user authentication process is an approver ID and is determined as an approver (in the case of “YES” in step S1-10), the control unit 21 of the service management server 20 applies the application. The approval screen output process is executed (step S1-12). Specifically, the application receiving unit 213 of the control unit 21 outputs an application approval screen on the display of the client terminal 10. The application approval screen includes a basic information field displaying the contents of the loan application record 250, a refund request information field displaying the contents of the refund request record 270, and a repayment condition field displaying the contents of the repayment condition record 280. include. Further, an icon for selecting return of loan application or approval of loan application is output on the application approval screen. In this case, the approver inputs approval for the necessary loan application. On the other hand, for loan applications that cannot be approved, a return entry is made. When any icon is selected, the client terminal 10 transmits a selection result notification to the service management server 20. This selection result notification includes a flag that can specify approval information or return information.

  And the control part 21 of the service management server 20 performs the determination process about approval or return (step S1-13). Specifically, the application receiving unit 213 of the control unit 21 makes a determination based on the selection result notification acquired from the client terminal 10.

When the return information is acquired (in the case of “return” in step S1-13), the control unit 21 of the service management server 20 executes return processing (step S1-14). Specifically, the application receiving unit 213 of the control unit 21 records a return flag in the approval status data area of the loan application record 250. Further, the application receiving unit 213 generates an application history record 260 and records it in the application history data storage unit 26.

  On the other hand, when the approval information is acquired (in the case of “approval” in step S1-13), the control unit 21 of the service management server 20 executes application approval registration processing (step S1-15). Specifically, the application receiving unit 213 of the control unit 21 records an approved flag in the approval status data area in the loan application record 250, and also records the approver ID, approval date and time, and approval status of the user authentication. Further, the application receiving unit 213 generates an application history record 260 and records it in the application history data storage unit 26.

  And the control part 21 of the service management server 20 performs an application notification process (step S1-16). Specifically, the application receiving unit 213 of the control unit 21 transmits an email including a message notifying that there has been a loan application to the client terminal 30.

  Next, the processing of the person in charge and the authority in the line who has obtained the application notification will be described with reference to FIG. Here, it is assumed that the in-line authority examines the loan application received by the in-bank person in charge. In this case, the in-line person in charge or the in-line authority accesses the service management server 20 using the client terminal 30.

  And the control part 21 of the service management server 20 performs an access corresponding | compatible process (step S2-1). Specifically, the examination support unit 214 of the control unit 21 accepts access from the client terminal 30 of the person in charge in the bank or the person in charge of the bank. In this case, the transaction operator ID of the in-line person in charge or the in-line authority is acquired from the client terminal 30.

  Next, the control unit 21 of the service management server 20 executes a menu screen display process (step S2-2). Specifically, the access management unit 211 of the control unit 21 outputs a menu screen to the display of the client terminal 30. On this menu screen, icons for selecting overdraft details search and service registration are output. The service registration icon is an icon for specifying a contract ID for specifying a customer and starting a process for adding an overdraft service. When any icon is selected, the client terminal 30 transmits a selection result notification to the service management server 20. This selection result notification includes a flag that can specify a processing request for overdraft details search and service registration.

  Here, when the overdraft details search icon is selected, the control unit 21 of the service management server 20 executes an application status output process (step S2-3). Specifically, the examination support unit 214 of the control unit 21 generates an application status list screen that displays a list of loan application records 250 acquired from the loan application data storage unit 25. Then, the application receiving unit 213 outputs the application status list screen to the display of the client terminal 30. In this case, the in-line person in charge or the in-line authority selects a loan application to be operated on the application status list screen and inputs a detailed display request. When any loan application is selected, the client terminal 30 transmits a detail display request including the selected application ID to the service management server 20.

The control unit 21 of the service management server 20 that has received the detailed display request from the client terminal 30 executes customer information acquisition processing (step S2-4). Specifically, the examination support unit 214 of the control unit 21 acquires the contract ID and the service ID from the loan application record 250 in which the selected application ID is recorded. Then, the examination support unit 214 acquires the credit line management record 240 in which the acquired contract ID and service ID are recorded from the credit line management data storage unit 24. Further, the examination support unit 214 acquires the transaction status management record 230 in which the contract ID and the service ID are recorded from the transaction status management data storage unit 23. Further, the examination support unit 214 acquires a refund request record 270 in which the selected application ID is recorded from the refund request data storage unit 27.

  Next, the control unit 21 of the service management server 20 executes the output process of the detail display screen (step S2-5). Specifically, the examination support unit 214 of the control unit 21 outputs a detailed display screen on the display of the client terminal 30. On this detailed display screen, the customer information column displaying the contents of the transaction status management record 230 and the credit line management record 240, the basic information column displaying the contents of the loan application record 250, and the contents of the refund request record 270 are displayed. The repayment condition information field and the repayment condition field displaying the contents of the repayment condition record 280 are included.

  Further, a loan status display icon is displayed on the application approval screen. When this loan status display icon is selected, the control unit 21 of the service management server 20 executes a loan status display process (step S2-6). Specifically, the loan status management means 212 of the control unit 21 executes a loan status display process, which will be described later, similarly to step S1-5a.

  Further, the application approval screen displays an icon for inputting a bank side operation for the loan application. Specifically, a reception icon, a separate confirmation icon, and a refund request information form output icon are displayed on the application approval screen. Here, for a loan application whose reception status is “not received”, when the person in charge in the bank sets “received”, the reception icon is selected.

  The separate confirmation icon and refund request information form output icon on the application approval screen can be operated in the case of access by an in-line authority. For “received” loan applications, the in-bank authority checks the loan status displayed on the application approval screen and examines whether or not this loan application is possible. If the bank authority determines that further confirmation is necessary for this loan application, a separate confirmation reason or approval return reason is set and a separate confirmation icon is selected.

  On the other hand, if the in-line authority determines that there is no problem with this loan application, the refund request information form output icon is selected. When any icon is selected, the client terminal 30 transmits a selection result notification to the service management server 20. This selection result notification includes a flag that can specify a form output request for received, separately confirmed or refund request information.

  Upon receiving the selection result notification, the control unit 21 of the service management server 20 executes application history recording processing (step S2-7). Specifically, the examination support unit 214 of the control unit 21 generates an application history record 260. In this application history record 260, an application ID, a contract ID, a service ID, and a transaction operator ID are set, and the operation date and time is recorded. The examination support unit 214 registers the application history record 260 in the application history data storage unit 26 as an operation history. In the case of separate confirmation, a separate confirmation reason or approval return reason is registered. Further, the examination support unit 214 records the reception status in the loan application record 250.

  Next, the control unit 21 of the service management server 20 executes a determination process as to whether or not a request for output of a refund request is obtained (step S2-8). Specifically, the application receiving unit 213 of the control unit 21 makes a determination based on the selection result notification acquired from the client terminal 30. When a selection result notification in which a flag other than the return request form output request is set is acquired (in the case of “NO” in step S2-8), the control unit 21 of the service management server 20 performs customer confirmation instruction processing. Is executed (step S2-9). Specifically, the examination support unit 214 of the control unit 21 outputs an instruction to contact the customer to the client terminal 30.

On the other hand, when a selection result notification in which a flag for requesting output of a refund request is set (in the case of “YES” in step S2-8), the control unit 21 of the service management server 20 is used.
Executes a determination process as to whether or not the interest rate has been confirmed (step S2-10). Specifically, the examination support means 214 of the control unit 21 makes a determination based on whether or not the interest rate information storage unit registers the interest rate on the scheduled transaction date.

  When the interest rate has been confirmed (in the case of “YES” in step S2-10), the control unit 21 of the service management server 20 performs a loan execution process (step S2-11). Specifically, the examination support unit 214 of the control unit 21 transmits a loan execution instruction to the host system 40. Here, the information recorded in the refund request record 270 and the repayment condition record 280 is transmitted to the host system 40 to instruct the management of financing and repayment. In this case, the host system 40 executes a loan based on the refund request record 270. Further, the examination support unit 214 updates the desired amount by subtracting the desired amount from the remaining amount recorded in the status data area of the credit management record 240.

  On the other hand, when the interest rate is not fixed (in the case of “NO” in step S2-10), the control unit 21 of the service management server 20 executes an interest rate handling process described later (step S2-12). Specifically, the interest rate handling means 215 of the control unit 21 determines whether or not the loan execution is necessary when the interest rate is fixed.

(Loan status display processing)
Next, the loan status display process will be described with reference to FIG. This process is repeatedly executed for each loan associated with the specified contract ID and service ID. Here, processing is performed by sequentially identifying application IDs of loans for which loans have already been executed and repayments have not been completed.

  First, the control unit 21 of the service management server 20 executes a repayment amount calculation process for each repayment month (step S3-1). Specifically, the loan status management unit 212 of the control unit 21 calculates the repayment amount for each future month based on the repayment condition record 280 in which the application ID to be processed is recorded. Then, the loan status management means 212 generates a time chart displaying the repayment amount of each month for each future month.

  Next, the control part 21 of the service management server 20 performs the addition process of the repayment amount of each repayment month (step S3-2). Specifically, the loan status management means 212 of the control unit 21 adds the calculated repayment amount to the total repayment amount for each future month. Then, the loan status management unit 212 generates a time chart displaying the total repayment amount for each month for each future month.

  Next, the control unit 21 of the service management server 20 executes a loan balance calculation process (step S3-3). Specifically, the loan status management means 212 of the control unit 21 calculates the total loan amount that is the sum of the amounts currently being financed. Then, the loan status management unit 212 acquires the scheduled repayment date from the refund request record 270 in which the application ID to be processed is recorded. Next, the loan status management means 212 adds the desired transaction amount on the future scheduled transaction date. Furthermore, the loan status management means 212 subtracts the desired transaction amount for this loan from the total loan amount on the scheduled future repayment date. Then, the loan status management unit 212 generates a time chart displaying the total loan amount for each future month.

  Next, the control part 21 of the service management server 20 performs the calculation process of the remaining credit line (step S3-4). Specifically, the loan status management means 212 of the control unit 21 determines the remaining loan balance obtained by subtracting the previously calculated loan balance for each future month from the loan space recorded in the loan space management record 240 for each future month. Is calculated. Further, the loan status management means 212 generates a time chart displaying the remaining loan amount for each future month.

The above processing is repeated for each application ID that has already been financed for this customer.
And the control part 21 of the service management server 20 performs the output process of a financing condition (step S3-5). Specifically, the loan status management means 212 of the control unit 21 outputs a loan status display screen showing a total amount of repayment and a time chart of the remaining loan frame on the display of the client terminal (10, 30).

(Interest rate confirmation processing)
Next, the interest rate confirmation process performed in the loan application reception process (step S1-7) will be described with reference to FIG.

  First, the control part 21 of the service management server 20 performs the determination process about whether the interest rate of a scheduled transaction date is decided (step S4-1). Specifically, the application receiving means 213 of the control unit 21 confirms whether or not the interest rate on the scheduled transaction date is registered in the interest rate information storage unit.

  When the interest rate on the scheduled transaction date is fixed (in the case of “YES” in step S4-1), the control unit 21 of the service management server 20 executes a display process of the fixed interest rate (step S4-2). Specifically, the application receiving means 213 of the control unit 21 acquires the confirmed interest rate information from the interest rate information storage unit, and outputs it to the display of the client terminal 10.

  And the control part 21 of the service management server 20 performs the registration process of a fixed interest rate (step S4-3). Specifically, the application receiving unit 213 of the control unit 21 registers the fixed interest rate in the refund request record 270. Using this fixed interest rate, the loan is executed in the host system 40 after examination by the in-bank authority.

  On the other hand, when the interest rate on the scheduled transaction date is not fixed (in the case of “NO” in step S4-1), the control unit 21 of the service management server 20 executes an acquisition process of the upper limit interest rate (step S4-4). . Specifically, the application receiving unit 213 of the control unit 21 outputs a maximum interest rate setting screen on the display of the client terminal 10. The upper limit interest rate setting screen is provided with a setting field for inputting the upper limit value of the interest rate that the customer can accept. When the upper limit interest rate is set on the upper limit interest rate setting screen, the client terminal 10 transmits the upper limit interest rate information to the service management server 20.

  And control part 21 of service management server 20 performs registration processing of a maximum interest rate (Step S4-5). Specifically, the application receiving unit 213 of the control unit 21 records the upper limit interest rate acquired from the client terminal 10 in the refund request record 270. Then, using this upper limit interest rate, the service management server 20 executes an interest rate handling process to be described later.

(Interest rate processing)
Next, the interest rate handling process will be described with reference to FIG. This interest rate handling process is executed periodically.

  Here, the control part 21 of the service management server 20 performs the acquisition process of a current interest rate (step S5-1). Specifically, the interest rate handling means 215 of the control unit 21 acquires data regarding the newly established current interest rate and interest rate application date from the interest rate information storage unit.

Next, the control unit 21 of the service management server 20 executes a loan application specifying process for which the interest rate has not been determined (step S5-2). Specifically, the interest rate handling means 215 of the control unit 21 searches for a refund request record 270 in which the interest rate application date is recorded as a scheduled transaction date, and no fixed interest rate is recorded. If there is no such refund request record 270, the interest rate handling process is terminated.

On the other hand, when the withdrawal request record 270 in which the interest rate application date is set as the scheduled transaction date can be extracted, the following processing is executed for each withdrawal request.
Here, the control part 21 of the service management server 20 performs the determination process about whether an upper limit interest rate is more than a present interest rate (step S5-3). Specifically, the interest rate handling means 215 of the control unit 21 compares the upper limit interest rate recorded in the withdrawal request record 270 with the current interest rate acquired from the interest rate information storage unit.

  When the upper limit interest rate is lower than the current interest rate (in the case of “NO” in step S5-3), the control unit 21 of the service management server 20 executes a current interest rate notification process (step S5-4). Specifically, the interest rate handling means 215 of the control unit 21 obtains the contact information recorded in the customer approver information data area of the customer management record 220 and indicates that the loan cannot be made with the set upper limit interest rate. Send an email containing. In this case, the approver receives the mail using the client terminal 10. Then, the approver confirms the contents and sends a reply mail including whether or not the current interest rate is accepted.

  Next, the control part 21 of the service management server 20 performs the determination process about whether the present interest rate was approved (step S5-5). Specifically, the interest rate response means 215 of the control unit 21 specifies the approver who has transmitted based on the transmission source of the received reply mail. Furthermore, the interest rate response means 215 determines whether or not to accept the current interest rate based on the received reply mail.

  When a reply mail indicating that the current interest rate is not accepted is received (in the case of “NO” in step S5-5), the control unit 21 of the service management server 20 executes an application cancellation process (step S5-6). . Specifically, the interest rate handling means 215 of the control unit 21 records an application cancellation flag in the reception status data area of the loan application record 250. Further, the interest rate handling means 215 records the deletion flag and the deletion date in the loan application record 250, the application history record 260, and the refund request record 270.

  On the other hand, when the maximum interest rate is equal to or higher than the current interest rate (in the case of “YES” in step S5-3), or when a reply mail indicating acceptance of the current interest rate is received (in the case of “YES” in step S5-5) ) The control unit 21 of the service management server 20 executes a process for calculating the remaining frame of the scheduled transaction date (step S5-7). Specifically, the examination support means 214 of the control unit 21 calculates a loan balance that is obtained by subtracting the current loan balance from the credit line on the scheduled transaction date.

  And the control part 21 of the service management server 20 performs the determination process about whether a loan remainder frame is more than loan hope amount (step S5-8). Specifically, the examination support means 214 of the control unit 21 compares the calculated remaining loan amount with the desired transaction amount.

  When the loan balance is equal to or larger than the desired loan amount (“YES” in step S5-8), the control unit 21 of the service management server 20 performs a loan execution process (step S5-9). Specifically, the examination support unit 214 of the control unit 21 performs the same process as in step S2-11.

  On the other hand, when the remaining frame is less than the desired loan amount (“NO” in step S5-8), the control unit 21 of the service management server 20 executes application cancellation processing (step S5-6).

(Loan facility management processing)
Next, the credit line management process will be described with reference to FIG. This credit line management process is periodically executed for each contract ID and service ID.

  Here, the control unit 21 of the service management server 20 executes a repayment status confirmation process (step S6-1). Specifically, the repayment status management means 216 of the control unit 21 acquires the repayment status in the repayment arrears evaluation period for the repayment related to the repayment condition record 280 recorded in the repayment condition data storage unit 28. To do.

  The control unit 21 of the service management server 20 executes a determination process as to whether there is a repayment arrears (step S6-2). Specifically, the repayment status management means 216 of the control unit 21 makes a determination based on the repayment status acquired from the host system 40.

  When it is determined that there is no repayment arrears based on the repayment status acquired from the host system 40 (in the case of “NO” in step S6-2), the control unit 21 of the service management server 20 performs the process of specifying the customer's holding account. Execute (Step S6-3). Specifically, the loan facility management means 217 of the control unit 21 acquires the customer ID associated with the contract ID and service ID from the customer management data storage unit 22. Then, the credit facility management means 217 acquires the account identifier of another account associated with this customer ID from the host system 40.

  And the control part 21 of the service management server 20 performs the acquisition process of payment log | history information (step S6-4). Specifically, the credit line management means 217 of the control unit 21 acquires the payment history (deposit date and deposit amount) of the deposit status evaluation period for the account with the identified account identifier from the host system 40.

  Then, the control unit 21 of the service management server 20 executes a determination process as to whether or not the deposit amount has changed beyond the reference range (step S6-5). Specifically, the credit line management means 217 of the control unit 21 compares the deposit amount with the reference range.

  When the deposit amount in the deposit status evaluation period has increased beyond the reference range (in the case of “increased” in step S6-5), the control unit 21 of the service management server 20 executes a credit line expansion proposal process. (Step S6-6). Specifically, the credit line management means 217 of the control unit 21 calculates an expanded credit line by multiplying the credit line recorded in the credit line management data storage unit 24 by an increase rate. Then, in the transaction status management data storage unit 23, the credit limit management unit 217 records the credit limit expansion proposal flag and the extended credit limit in the proposal information data area of the transaction status management record 230 in which the contract ID and the service ID are recorded. To do.

  Furthermore, the credit line management unit 217 transmits an email proposing expansion of the credit line to the client terminal 30. This e-mail includes information on the calculated extended loan facility. The in-bank authority who receives such an email considers the promotion of the loan by expanding the loan facility.

  On the other hand, when the deposit amount has decreased beyond the reference range (in the case of “decrease” in step S6-5), the control unit 21 of the service management server 20 executes a situation monitoring proposal process (step S6-). 7). Specifically, the credit facility management means 217 of the control unit 21 includes a customer status monitoring flag in the proposal information data area of the transaction status management record 230 in which the contract ID and service ID are recorded in the transaction status management data storage unit 23. Record. Furthermore, the credit line management means 217 transmits an email including a message indicating that the deposit amount to the account is decreasing to the client terminal 30 of the in-charge person or the in-line authority. The person in charge in the bank or the person in charge of the bank who receives such mail pays attention to the customer situation.

  If it is determined that there is a repayment arrears based on the repayment status acquired from the host system 40 (“YES” in step S6-2), the control unit 21 of the service management server 20 performs a caution flag recording process. Execute (Step S6-8). Specifically, the credit line management means 217 of the control unit 21 sets the attention destination flag in the attention destination flag data area of the transaction status management record 230 in which the contract ID and the service ID are recorded in the transaction status management data storage unit 23. Record.

  Next, the control unit 21 of the service management server 20 executes a determination process as to whether the number of occurrences is large (step S6-9). Specifically, the credit line management means 217 of the control unit 21 obtains the number of overdue occurrences during the repayment overdue evaluation period from the host system 40 and compares it with the reference overdue number.

If the number of repayment arrears is less than the reference value (“NO” in step S6-9), the processing for the contract ID and service ID is terminated.
On the other hand, when the number of repayment arrears is greater than the reference value (in the case of “YES” in step S6-9), the control unit 21 of the service management server 20 executes a credit line reduction proposal process (step S6-). 10). Specifically, the credit line management unit 217 of the control unit 21 calculates a reduced credit line by multiplying the credit line recorded in the credit line management data storage unit 24 by the reduction rate. Then, the credit line management means 217 records the credit line reduction proposal flag and the reduced credit line in the proposal information data area of the transaction state management record 230 in which the contract ID and service ID are recorded in the transaction state management data storage unit 23. To do.

  Furthermore, the credit line management unit 217 transmits an email proposing reduction of the credit line to the client terminal 30. This email includes information about the calculated reduced loan facility. The person in charge in the bank or the person in charge of the bank who receives such an e-mail considers reducing the credit line.

(Loan application processing using loan application template)
Next, a loan application process using a loan application template will be described with reference to FIGS. Here, the loan conditions are set by the loan application template. First, the template registration process of a loan application template is demonstrated using FIG.

  The person in charge of the corporate customer accesses the service management server 20 using the client terminal 10. Also in this case, the control unit 21 of the service management server 20 performs an access handling process (step S1-1), a user authentication process (step S1-2), a customer information acquisition process (step S1-3), and a menu screen. Display processing is executed (step S1-4). When the template registration icon is selected on the menu screen, the client terminal 10 transmits a template registration request.

  In this case, the control unit 21 of the service management server 20 executes a template registration request acquisition process (step S7-1). Specifically, the template management unit 218 of the control unit 21 acquires a contract ID and a service ID from the access management unit 211.

Next, the control unit 21 of the service management server 20 executes a loan history acquisition process (step S7-2). Specifically, the template management unit 218 of the control unit 21 is a loan application record 250 in which the contract ID and service ID acquired from the access management unit 211 are recorded, and a form output flag is recorded in the reception status data area. The record is extracted from the loan application data storage unit 25. Here, the template management unit 218 acquires the reference number of loan application records 250 in order from the record with the most recent application date and time. Then, the template management unit 218 extracts a refund request record 270 and a repayment condition record 280 in which the application ID of the loan application record 250 is recorded.

  Next, the control unit 21 of the service management server 20 executes output processing of the template setting screen (step S7-3). Specifically, the template management means 218 of the control unit 21 specifies the mode value in each item of the acquired loan history (refund request record 270 and repayment condition record 280). Then, the template management unit 218 generates a template setting screen in which the identified mode value is set as the initial value of each item. In this template setting screen, the person in charge can change the initial value to an arbitrary value. Then, the template management unit 218 outputs the template setting screen to the display of the client terminal 10.

  Here, the person in charge uses the template setting screen to set each item value of the refund request and repayment condition expected in the use of the loan. When the setting is completed, a registration request is input on the template setting screen. In this case, the client terminal 10 transmits a template setting request including the refund request contents and repayment conditions set on the template setting screen.

  Next, the control unit 21 of the service management server 20 executes a provisional registration process for a loan application template (step S7-4). Specifically, the template management unit 218 of the control unit 21 generates a template record 290 in which the contents (payment request pattern, repayment condition pattern) received from the client terminal 10 are set, and registers them in the template data storage unit 29. In this case, a temporary registration flag is set in the status data area of the template record 290.

  Next, the control unit 21 of the service management server 20 executes notification processing to the in-line authority (step S7-5). Specifically, the template management unit 218 of the control unit 21 transmits an email including a message notifying that the template has been temporarily registered to the client terminal 30.

The in-line authority who has acquired the notification accesses the service management server 20 using the client terminal 30.
In this case, the control unit 21 of the service management server 20 executes a loan application template confirmation process (step S7-6). Specifically, the template management unit 218 of the control unit 21 outputs a template confirmation screen to the client terminal 30. On the template confirmation screen, the temporarily registered loan application template contents and an icon for selecting approval or return of the loan application template are output. In this case, the in-line authority uses the client terminal 30 to check the contents of the loan application template. If there is no problem in the loan application template, an approval input is made. On the other hand, if the loan application template cannot be approved, a return entry is made. When any icon is selected, the client terminal 30 transmits a selection result notification to the service management server 20. This selection result notification includes a flag that can specify approval information or return information.

  And the control part 21 of the service management server 20 performs the determination process about approval or return (step S7-7). Specifically, the application receiving unit 213 of the control unit 21 makes a determination based on the selection result notification acquired from the client terminal 30.

When the approval information is acquired (in the case of “YES” in step S7-7), the control unit 21 of the service management server 20 executes a main registration process for the loan application template (step S7-8). Specifically, the template management unit 218 of the control unit 21 sets the main registration flag in the status data area of the template record 290 recorded in the template data storage unit 29.

  On the other hand, when the return information is acquired (in the case of “NO” in step S7-7), the control unit 21 of the service management server 20 executes return processing (step S7-9). Specifically, the template management unit 218 of the control unit 21 sets a return flag in the status data area of the template record 290 recorded in the template data storage unit 29. Then, the template management unit 218 transmits an email including a message notifying that the loan application template cannot be registered to the client terminal 10.

(Loan application screen generation process)
Next, with reference to FIG. 12, a process for applying a loan using a template will be described.
When the overdraft new application icon is selected on the menu screen, the control unit 21 of the service management server 20 executes a determination process as to whether or not a loan application template has been registered (step S8-1). Specifically, the application receiving unit 213 of the control unit 21 searches the template data storage unit 29 for the template record 290 associated with the contract ID and service ID specified by the user authentication.

  When the loan application template is not registered (in the case of “NO” in step S8-1), the control unit 21 of the service management server 20 executes normal loan application screen output processing (step S8-2). Specifically, the application accepting unit 213 of the control unit 21 outputs an application screen in which the refund request and repayment condition setting fields are blank to the display of the client terminal 10.

  On the other hand, when the loan application template is registered (in the case of “YES” in step S8-1), the control unit 21 of the service management server 20 executes a template candidate output process (step S8-3). Specifically, the template management unit 218 of the control unit 21 outputs a template selection screen in which the template IDs of the template records 290 acquired from the template data storage unit 29 are displayed as a list to the display of the client terminal 10. On the template selection screen, an icon for selecting each loan application template and an icon for selecting a normal loan application are output. When any icon is selected, the client terminal 10 transmits a selection result notification to the service management server 20. The selection result notification includes a template ID of the selected loan application template or a flag that can specify a normal loan application.

  Next, the control part 21 of the service management server 20 performs the determination process about whether the loan application template was selected (step S8-4). Specifically, the application receiving unit 213 of the control unit 21 makes a determination based on the selection result notification acquired from the client terminal 10.

When the normal loan application flag is acquired (in the case of “NO” in step S8-4), the normal loan application screen output process is executed (step S8-2).
On the other hand, when the template ID of the selected loan application template is acquired (“YES” in step S8-4), the control unit 21 of the service management server 20 performs the initial value setting process based on the loan application template. Execute (Step S8-5). Specifically, the template management unit 218 of the control unit 21 generates loan application screen data in which each item value of the refund request pattern and repayment condition pattern recorded in the selected template record 290 is set as an initial value.

Next, the control unit 21 of the service management server 20 executes a loan application screen output process (step S8-6). Specifically, the template management unit 218 of the control unit 21 transmits the generated loan application screen data to the client terminal 10. The person in charge makes a loan application using the loan application screen in which the loan application template is set.

  In this case, the template ID of the loan application template used for the loan application is transmitted to the service management server 20. The control unit 21 of the service management server 20 records the acquired template ID in the loan application record 250.

(Application content display process)
Next, with reference to FIG. 12, application content display processing in the detailed display screen output processing (step S2-5) for examining the loan application applied using the loan application template will be described.

  Here, the control unit 21 of the service management server 20 executes a difference calculation process between the loan application template and the loan request condition (step S9-1). Specifically, the examination support unit 214 of the control unit 21 calculates a difference specifying a changed part or an added part in the loan application template.

  Next, the control unit 21 of the service management server 20 executes the previous usage history acquisition process (step S9-2). Specifically, the examination support unit 214 of the control unit 21 acquires the previous loan contents for this customer, and calculates the difference from the current application.

  Next, the control unit 21 of the service management server 20 executes a difference output process (step S9-3). Specifically, the examination support unit 214 of the control unit 21 outputs the difference with the loan application template and the difference with the previous loan content on the display of the client terminal 30. Then, the in-line authority examines the availability of the current loan application while checking the difference output on the display of the client terminal 30.

According to this embodiment, the following effects can be obtained.
-In this embodiment, the control part 21 of the service management server 20 performs the output process of a loan application screen (step S1-6). And the control part 21 of the service management server 20 performs an approval circulation process (step S1-8). When the approval information is acquired from the approver (in the case of “approval” in step S1-13), the control unit 21 of the service management server 20 registers the application approval registration process (step S1-15) and the application notification process (step S1). -16) is executed. Thereby, a loan application can be performed efficiently using a network. Banks can quickly grasp loan applications.

  Further, the control unit 21 of the service management server 20 executes a detail display screen output process (step S2-5). As a result, the loan application received by the in-bank person in charge at the bank can be examined efficiently by the in-bank authority to determine whether or not the loan can be made, and the loan can be made efficiently.

  -In this embodiment, the control part 21 of the service management server 20 performs a loan condition display process (step S1-5a, step S2-6). Here, the control part 21 of the service management server 20 performs the addition process of the repayment amount of each repayment month (step S3-2). Thus, the customer can determine whether or not the loan is necessary in consideration of the repayment burden in each month, and the in-bank authority can examine whether or not the loan is possible.

  Furthermore, the control part 21 of the service management server 20 performs the calculation process of the remaining credit line (step S3-4). As a result, it is possible to consider future fund management in consideration of the loanable amount.

  -In the interest rate response process of this embodiment, the control part 21 of the service management server 20 performs the registration process of an upper limit interest rate (step S4-5). When the upper limit interest rate is equal to or higher than the current interest rate (in the case of “YES” in step S5-3), the control unit 21 of the service management server 20 executes a process for calculating the remaining frame of the scheduled transaction date (step S5-7). ). When the loan balance is equal to or larger than the desired loan amount (“YES” in step S5-8), the control unit 21 of the service management server 20 performs a loan execution process (step S5-9). Thereby, even when the loan interest rate is not fixed, it is possible to make a loan application considering the customer situation. And it is possible to use the loan efficiently on the condition that it is within the loan frame.

  When the upper limit interest rate is lower than the current interest rate (in the case of “NO” in step S5-3), the control unit 21 of the service management server 20 executes a current interest rate notification process (step S5-4). When a reply mail indicating that the current interest rate is accepted is received (in the case of “YES” in step S5-5), a loan execution process is performed on the condition that the loan balance is equal to or greater than the desired loan amount (step) S5-9). As a result, even if the maximum interest rate is exceeded, the customer can reconsider the current interest rate and use the loan.

  -In this embodiment, the control part 21 of the service management server 20 performs the acquisition process of payment log | history information in a credit line management process (step S6-4). Then, when the deposit amount in the deposit status evaluation period has increased beyond the reference range (in the case of “increase” in step S6-5), the control unit 21 of the service management server 20 performs an expansion proposal process for a credit line. Execute (step S6-6). As a result, depending on the repayment status and the deposit status of the account held by the customer, the in-bank authority can examine the expansion of the loan facility and promote the use of the loan.

  On the other hand, when the deposit amount has decreased beyond the reference range (in the case of “decrease” in step S6-5), the control unit 21 of the service management server 20 executes a situation monitoring proposal process (step S6-). 7). Thereby, it is possible to call attention to the person in charge in the bank and the authority in the bank in consideration of the customer situation based on the payment situation of the customer.

  In the credit line management process of this embodiment, when it is determined that there is a repayment arrears based on the repayment status acquired from the host system 40 (in the case of “YES” in step S6-2), the control unit of the service management server 20 21 executes a caution flag recording process (step S6-8). As a result, it is possible to alert the person in charge of the bank and the person in charge of the bank about the customer who has a problem with the repayment status.

  When the number of repayment arrears is greater than the reference value (in the case of “YES” in step S6-9), the control unit 21 of the service management server 20 executes a credit line reduction proposal process (step S6-). 10). As a result, for customers with problems, it is possible to propose a loan restriction to the person in charge or the authority in the bank.

  -In the template registration process of this embodiment, the control part 21 of the service management server 20 performs the acquisition process of loan history (step S7-2). And the control part 21 of the service management server 20 performs the output process of a template setting screen (step S7-3). Thereby, the loan application template according to the loan application situation of the customer can be efficiently generated.

When the template ID of the selected loan application template is acquired (in the case of “YES” in step S8-4), the control unit 21 of the service management server 20 performs initial value setting processing based on the loan application template. Execute (Step S8-5). Thereby, a new loan application can be efficiently performed using a loan pattern (finance application template) registered in advance.

  -In the application content display process of this embodiment, the control part 21 of the service management server 20 performs the difference calculation process of loan application template and loan desired conditions (step S9-1). Further, the control unit 21 of the service management server 20 executes the previous usage history acquisition process (step S9-2). Thereby, paying attention to the change from the loan application template and the change from the past loan history, the efficiency of the examination can be improved.

In addition, you may change each said embodiment as follows.
In the embodiment described above, the control unit 21 of the service management server 20 executes a credit line expansion proposal process (step S6-6). Specifically, the credit line management means 217 of the control unit 21 calculates an expanded credit line by multiplying the credit line recorded in the credit line management data storage unit 24 by an increase rate. Instead of this, a credit line may be set according to the account balance of the customer. Specifically, a credit line calculation table corresponding to an account balance and a loanable amount (finance line) is prepared in advance. When the customer account balance information is acquired from the host system 40, the account balance of each account is totaled, and the loanable amount is calculated using the loan amount calculation table. Thereby, it is possible to promote the loan in consideration of the account balance.

  In the above embodiment, the control unit 21 of the service management server 20 executes a loan status output process (step S3-5). Specifically, the loan status management means 212 of the control unit 21 outputs a loan status display screen showing a total amount of repayment and a time chart of the remaining loan frame on the display of the client terminal (10, 30). The information output on the loan status display screen is not limited to the repayment amount or the remaining balance of the loan, and the total loan amount or the like may be output.

  ○ When the deposit amount during the deposit status evaluation period has increased beyond the reference range (in the case of “increase” in step S6-5), the control unit 21 of the service management server 20 executes the expansion proposal process for the credit line (Step S6-6). If the deposit amount has decreased beyond the reference range (in the case of “decrease” in step S6-5), the control unit 21 of the service management server 20 executes a situation monitoring proposal process (step S6-). 7). In each process, the credit line management unit 217 transmits an email to the client terminal 30. In addition to this, the proposal information recorded in the transaction status management data storage unit 23 may be output on the application status list screen or the detailed display screen output on the display of the client terminal 30. Thereby, when there is a loan application, it is possible to make a proposal to the person in charge within the bank or the authority in the bank.

  In the above embodiment, the control unit 21 of the service management server 20 that has received the detailed display request from the client terminal 30 executes a customer information acquisition process (step S2-4). And the control part 21 of the service management server 20 performs the output process of a detailed display screen (step S2-5). The details display screen includes the contents of the transaction status management record 230. Instead, in the interest rate handling process, the attention information may be confirmed, and the loan may be executed when the attention information is not registered. Specifically, immediately before the loan execution process (step S5-9), the control unit 21 of the service management server 20 performs a transaction status management record in which the contract ID and the service ID are recorded from the transaction status management data storage unit 23. 230 is acquired. If the caution flag is not recorded, the loan execution process is performed as it is (step S5-9). On the other hand, when the attention flag is recorded, the client terminal 30 of the person in charge is notified. Then, when an execution instruction is acquired from the client terminal 30 according to the confirmation result of the person in charge within the bank, a loan execution process is performed. As a result, even in the interest rate handling process, it is possible to suppress loans to customers who are in arrears of repayment.

In the above embodiment, the control unit 21 of the service management server 20 executes application notification processing (step S1-16). In addition to this, when there is a loan application that has not been received by the person in charge within the bank, the administrator may be notified. Specifically, the control unit 21 of the service management server 20 searches for a record whose reception status is “not received” even after a predetermined time (for example, 24 hours) has elapsed since the approval date of the loan application record 250. To do. When such a loan application record 250 is extracted, a “not-received” notification is transmitted to a predetermined manager. Thereby, a reliable response | compatibility with respect to loan application is realizable.

  DESCRIPTION OF SYMBOLS 10,30 ... Client terminal, 20 ... Service management server, 21 ... Control part, 211 ... Access management means, 212 ... Loan status management means, 213 ... Application reception means, 214 ... Examination support means, 215 ... Interest rate correspondence means, 216 ... Repayment status management means, 217 ... Loan limit management means, 218 ... Template management means, 22 ... Customer management data storage section, 23 ... Transaction status management data storage section, 24 ... Loan limit management data storage section, 25 ... Loan application data Storage unit 26... Application history data storage unit 27. Payment request data storage unit 28. Repayment condition data storage unit 29. Template data storage unit 40.

Claims (8)

Credit line information storage means for recording information related to the credit line and loan balance in association with the customer identifier,
Loan application information storage means in which information related to the scheduled transaction date, desired transaction amount, upper limit interest rate, repayment conditions for financing is recorded in association with the customer identifier,
A loan management system comprising a customer terminal used for loan application and a control means connected to a host system,
The control means is
A means for acquiring a new application in which a scheduled transaction date, a desired transaction amount, a maximum interest rate is set, and recording it in the loan application information storage unit in association with a customer identifier, from the customer terminal;
When acquiring information on the newly established loan interest rate on the scheduled transaction date recorded in the loan application information storage means, the loan interest rate is compared with the upper limit interest rate,
If the loan interest rate is less than or equal to the upper limit interest rate, calculate the remaining amount by subtracting the loan balance on the scheduled transaction date from the credit line associated with the customer identifier,
If the desired transaction amount does not exceed the credit line, a loan execution instruction including information on the loan and repayment conditions is transmitted to the host system to perform the loan, and the credit line information storage means A loan management system comprising means for updating information relating to a loan balance in Japan . It further comprises a caution information storage means for recording caution information in association with the customer identifier,
The control means is connected to a person-in-charge terminal that examines loan availability.
The control means is
Means for acquiring repayment status information on the loan from the host system and registering caution information in the caution information storage means in association with the customer identifier when repayment is not performed based on the repayment condition; ,
When acquiring a new application from the customer terminal, in the attention information storage means, search for attention information about the customer,
The loan management according to claim 1, further comprising means for outputting application contents including the caution information to the person-in-charge terminal when the caution information is acquired in the caution information storage means. system. The control means is
Means for obtaining a repayment amount for each scheduled repayment for each loan of the customer;
A means for calculating the total repayment amount for each scheduled repayment month,
The loan management system according to claim 1, further comprising means for generating a repayment amount prediction display in which the repayment amount is displayed in time series and outputting the repayment amount prediction display to the customer terminal or the person in charge. The control means is
Calculate the loan balance reduced by repayment for each repayment month,
Calculate the remaining balance by subtracting the loan balance from the loan facility,
The loan management system according to any one of claims 1 to 3, further comprising means for outputting a loan remaining frame prediction displaying the remaining frame in time series.   The said control means is further provided with a means to acquire the deposit amount information to each customer's account from the said host system, and to calculate the credit line corresponding to the said deposit amount information. The loan management system according to any one of the above. The said control means is further provided with the means to acquire the balance information of each customer's account from the said host system, and to calculate the credit line corresponding to the said balance information, The any one of Claims 1-5 characterized by the above-mentioned. The loan management system according to one. Credit line information storage means for recording information related to the credit line and loan balance in association with the customer identifier,
Loan application information storage means in which information related to the scheduled transaction date, desired transaction amount, upper limit interest rate, repayment conditions for financing is recorded in association with the customer identifier,
A method of accepting a loan application using a loan management system having a control means connected to a customer terminal and a host system used for applying for a loan,
The control means is
From the customer terminal, acquiring a new application in which a scheduled transaction date, a desired transaction amount, a maximum interest rate is set, and recording it in the loan application information storage means in association with a customer identifier;
When acquiring information on the newly established loan interest rate on the scheduled transaction date recorded in the loan application information storage means, the loan interest rate is compared with the upper limit interest rate,
If the loan interest rate is less than or equal to the upper limit interest rate, calculate the remaining amount by subtracting the loan balance on the scheduled transaction date from the credit line associated with the customer identifier,
If the desired transaction amount does not exceed the credit line, a loan execution instruction including information on the loan and repayment conditions is transmitted to the host system to perform the loan, and the credit line information storage means And a step of updating information relating to a loan balance in the bank . Credit line information storage means for recording information related to the credit line and loan balance in association with the customer identifier,
Loan application information storage means in which information related to the scheduled transaction date, desired transaction amount, upper limit interest rate, repayment conditions for financing is recorded in association with the customer identifier,
A program for accepting a loan application using a loan management system having a control means connected to a customer terminal and a host system to be used for a loan application,
The control means;
A means for acquiring a new application in which a scheduled transaction date, a desired transaction amount, a maximum interest rate is set, and recording it in the loan application information storage unit in association with a customer identifier from the customer terminal,
When acquiring information on the newly established loan interest rate on the scheduled transaction date recorded in the loan application information storage means, the loan interest rate is compared with the upper limit interest rate,
If the loan interest rate is less than or equal to the upper limit interest rate, calculate the remaining amount by subtracting the loan balance on the scheduled transaction date from the credit line associated with the customer identifier,
If the desired transaction amount does not exceed the credit line, a loan execution instruction including information on the loan and repayment conditions is transmitted to the host system to perform the loan, and the credit line information storage means A loan management program that functions as a means for updating information relating to a loan balance in Japan .

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