JP6058620B2 - Loan transaction automatic execution system and method - Google Patents

Description

  The present invention relates to a system and method for automatically executing a loan transaction. More specifically, the present invention relates to a system and method that can determine whether or not automatic execution of inspection and loan execution processing by middle back at the time of a loan transaction is possible, and execute loan when automatic execution is possible.

  With the expansion of Internet services, the entire loan transaction business is in-kind (paper-based) processing, so the front office (hereinafter referred to as “front”) and middle back office (hereinafter referred to as “middle”) for customers and financial institutions. Various burdens (such as an increase in work load and required time) are generated, and it is desired to digitize the loan transaction business. The front desk is a department in the financial institution that determines the terms of the loan transaction and concludes a contract by directly contacting the customer. The middle back is a department that performs a contract of a contract concluded between the customer and the front and a procedure for executing the contract (payment procedure, etc.).

  In particular, the inspection and extreme internal loan execution processing for customer borrowing applications (new and continuing applications) that are being conducted in middle back are (1) the majority of the application contents are based on approved approvals. (2) After checking the contents at the front desk and making an internal deliberation, the middle back will be inspected and loaned for execution, etc. Under certain conditions, the middle back inspection and loan execution will be automated and streamlined It is considered possible to achieve this. In addition, the number of cases in which the inspection by the middle back and the execution of extreme loans are processed is about 100,000 annually at a certain financial institution, and depending on the conditions, it is considered that nearly 80-90% of them can be subject to automation. It is done. In view of the above, there is a need for a loan transaction automatic execution system and method that solves the above problems.

In order to achieve such an object, the present invention is a computer that determines whether or not a loan transaction can be automatically executed, and executes a loan when automatic execution is possible.
A means for receiving application content data relating to the new or continued application for the loan from a customer terminal used by the customer using the loan, wherein the application content data is registered in advance based on at least approved approval data. Means created based on the loan condition data,
Means for transmitting the received application content data to a financial institution terminal used by a financial institution person performing the loan;
Means for receiving an indication from the financial institution terminal that the application content data has been confirmed;
Means for determining whether or not to automatically execute the loan based on the application content data and / or the loan condition data in response to receiving the display;
Means for executing the loan based on the application content data when it is determined in the determination that automatic execution is possible.

  In the invention described in the preceding paragraph, the application content data and / or the loan condition data include at least one of a base interest rate, a desired deposit date, and a charged amount for the loan.

  Further, in the invention described in the preceding paragraph, the application content data and / or the loan condition data further includes an extreme amount for the loan, a loan amount already executed in the transaction related to the loan, and the already executed The amount of loan that has been decided to be repaid by the desired date of payment is included, and the amount of loan that has already been executed includes the amount of loan scheduled to be executed, and whether or not the loan can be automatically executed is determined. This is characterized in that it is determined that automatic execution is possible when the already executed loan amount−the amount determined to be repaid + the charged amount is within the extreme amount.

  In the invention described in the preceding three paragraphs, the application content data is created by the person in charge of the financial institution as guide data for the customer using the financial institution terminal.

Further, the present invention is a method for determining whether or not the loan transaction can be automatically executed, and executing the loan when the loan transaction is automatically executable.
Receiving application content data related to the new or continued application for the loan from a customer terminal used by the customer using the loan, wherein the application content data is registered in advance based on at least approved approval data Created based on the loan condition data,
Transmitting the received application content data to a financial institution terminal used by a financial institution person performing the loan;
Receiving an indication from the financial institution terminal that the application content data has been confirmed;
In response to receiving the display, determining whether or not the loan can be automatically executed based on the application content data and / or the loan condition data;
A step of executing the loan based on the application content data when it is determined in the determination that automatic execution is possible.

Furthermore, the present invention is a computer program for determining whether or not a loan transaction can be automatically executed, and causing a computer to execute a method of executing a loan when automatic execution is possible, and the computer program is executed by the computer, In the computer,
The application content data related to the new or continued application for the loan is received from the customer terminal used by the customer using the loan, and the application content data is loan condition data registered in advance based on at least approved approval data. Created based on
The received application content data is transmitted to a financial institution terminal used by a financial institution person in charge of the loan,
From the financial institution terminal, to receive an indication that the application content data has been confirmed
In response to receiving the display, based on the application content data and / or the loan condition data, to determine whether or not the loan can be automatically executed,
When it is determined in the determination that automatic execution is possible, the loan is executed based on the application content data.

  As described above, according to the present invention, it is possible to determine whether or not automatic execution of inspection and loan execution processing by middle back at the time of loan transaction is possible, and loan execution can be performed by a computer when automatic execution is possible.

It is a figure which shows the system configuration | structure which concerns on one Embodiment of this invention. It is a flowchart which shows the loan execution process which concerns on one Embodiment of this invention. It is a flowchart which shows the loan automatic execution availability determination process which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the approval data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the application form data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the application content data storage part which concerns on one Embodiment of this invention.

  The outline | summary of the automatic execution system of the loan transaction which concerns on embodiment of this invention is demonstrated. FIG. 1 is a diagram showing a system configuration according to an embodiment of the present invention. In FIG. 1, a financial institution server 101 installed in a data center or the like is connected to customer terminals 104a,..., 104n (hereinafter collectively referred to as “customer terminals 104”) via a network 102 (for example, the Internet). It is comprised so that communication may be performed. The financial institution server 101 is configured to communicate with financial institution terminals 105a,..., 105n (hereinafter collectively referred to as “financial institution terminals 105”) via a network 103 (for example, an intranet). ing. In FIG. 1, the financial institution server 101 is shown as a single server, but it can also be configured as a distributed system with a plurality of servers.

  The customer terminal 104 is a terminal used by a customer. In the present invention, a customer is a customer who uses a loan contract. The customer can access the financial institution server 101 using the customer terminal 104 and apply for a loan based on the loan contract while referring to the application form data. Access to the financial institution server 101 is, for example, access through a dedicated site. The application form data is loan condition data registered in advance by the person in charge (front) of the financial institution based on the approval data. Further, the customer can make a loan application based on the loan contract using the customer terminal 104 while referring to the guidance data created by the front desk.

  The financial institution terminal 105 is a terminal used by a person in charge of a financial institution that provides a loan transaction service. The person in charge of the financial institution can use the financial institution terminal 105 to access the financial institution server 101 and create an application form based on the approval data. Further, the person in charge of the financial institution can use the financial institution terminal 105 to create the borrowing application guide data for the customer. Further, the person in charge of the financial institution can confirm the contents of the application made by the customer using the financial institution terminal 105, and can determine whether or not the loan can be made after making an internal approval. It should be noted that the confirmation and applicability determination of the application contents by the person in charge of the financial institution here is different from the automatic execution feasibility determination performed in the system. Confirmation of application contents at this time is confirmation of the system judgment result of whether the balance after this loan has converged within the extreme and the credit status of the customer (whether there has been any arrears so far) at the front desk To do.

  Upon receiving an application form creation request instruction from the financial institution terminal 105, the financial institution server 101 can transmit the approval data to the financial institution terminal 105. Further, the financial institution server 101 can receive the application form data created from the financial institution terminal 105 and register it in the database.

  Further, when receiving the guidance data creation request instruction from the financial institution terminal 105, the financial institution server 101 can transmit the corresponding application form data to the financial institution terminal 105. Also, the financial institution server 101 can receive the guidance data created from the financial institution terminal 105 and register it in the database.

  When the financial institution server 101 receives the application request instruction from the customer terminal 104, the financial institution server 101 can transmit corresponding application form data or created guidance data to the customer terminal 104. Further, the financial institution server 101 can receive the application content data created from the customer terminal 104 and register it in the database.

  In addition, when the financial institution server 101 receives an application content confirmation request instruction from the financial institution terminal 105, the financial institution server 101 can transmit the registered application content data to the financial institution terminal 105. Next, when the financial institution server 101 receives a confirmation instruction for the application content from the financial institution terminal 105, the financial institution server 101 determines whether automatic execution is possible for the loan. When it is determined that automatic execution is possible by determining whether automatic execution is possible, the financial institution server 101 executes loan processing for the application content.

  Next, the configuration of the financial institution server 101 will be described in detail. In FIG. 1, only a necessary functional configuration is shown assuming a single computer system.

  In the financial institution server 101, a RAM 111, an input device 112, an output device 113, a communication control device 114, and a storage device 116 including a nonvolatile storage medium (ROM, HDD, etc.) are connected to a CPU 110 via a system bus 115. It has the structure made. The storage device 116 includes a program storage area for storing a software program for performing each function of the collateral management system, and a data storage area for storing data handled by the software program. Each means in the program storage area described below is actually an independent software program, its routines, components, and the like, which are called from the storage device 116 by the CPU 110 and expanded in the work area of the RAM 111, with reference to the database and the like as appropriate. Each function is performed by being executed sequentially.

  The data storage area in the storage device 116 includes a request data storage unit 130, an application form data storage unit 131, and an application content data storage unit 132, if only those related to the present invention are listed. Both are fixed storage areas secured in the storage device 116.

  The approval data storage unit 130 stores data relating to approved approval in the loan transaction. FIG. 4 is a diagram illustrating data stored in the approval data storage unit 130 according to an embodiment of the present invention. The appraisal data in FIG. 4 includes a “project number” that uniquely identifies a transaction item (the relationship between an item and an approval is a one-to-many relationship, and multiple approvals are established for one item), and the version of the approval in the same item "Item branch number", "Approval amount" indicating approved approval amount, "Execution date" indicating planned execution date, "Handling date" indicating the handling deadline of approval, Approved annual interest rate category “Yearly interest category” indicating “Others” and “Other conditions presence / absence” indicating the presence / absence of other conditions are stored. The record of the approval data in FIG. 4 is uniquely indicated by “case number” and “case branch number”. For example, when the approval is renewed and registered, the “case branch number” is registered so as to increase sequentially. In the “annual interest classification”, a numerical value (1: 365 day basis, 2: 360 day basis) indicating an annual interest base for the loan can be set. In “other condition presence / absence”, it is possible to set a numerical value (0: no other condition, 1: other condition exists) indicating the presence or absence of a condition other than the condition of this data. For example, in the case of “1: Other conditions exist”, other condition data other than this data can be referred to.

  The application form data storage unit 131 stores data relating to loan conditions registered based on the approval data. FIG. 5 is a diagram showing data stored in the application form data storage unit 131 according to an embodiment of the present invention. The application form data in FIG. 5 includes a “form number” that uniquely identifies the application form, a “form serial number” that indicates the version of the same application form, a “progress” that mainly indicates the approval status of the application form, and a transaction of a financial institution. “Account number” that uniquely identifies the destination account store, “Management store number” that uniquely identifies the management store of the business partner, “Account number” that indicates the account number of the business partner, and “ "Business partner name", transaction case (the relationship between the case and the application form is a one-to-many relationship. Multiple loans and loan conditions are established for one case) "Matter number", the version of the same case "Dealing branch number" to indicate, "contract extreme amount" to indicate the maximum amount of loan in the contract transaction, "transaction start date" to indicate the start date of the contract transaction, "handle deadline" to indicate the contract transaction handling deadline, standard Money “Basic interest rate category”, “Necessary business days (new)” indicating the required number of business days from application at the time of new loan application to the desired date of payment, and “Necessary business days” indicating the required business days for continuous application (Continued) ”,“ Contact information for middle back ”indicating special communication items for middle back, and“ Remarks ”indicating other instruction contents are stored. The record of the application form data in FIG. 5 is uniquely indicated by “form number” and “form serial number”. For example, when the application form is updated and registered, the “form serial number” is registered in a manner that increases sequentially. In the “progress status”, a numerical value (for example, 1: being created, 2: waiting for approval request, 3: waiting for approval, 4: approved) indicating the approval status of the application form (loan condition) can be set. “Base interest rate category” is a numerical value indicating the base interest rate for loans (1: short-term prime rate, 2: market interest rate (OutCost (365) only)), 3: market interest rate (JBA domestic yen TIBOR or OutCost (365) only), 4: Others (OutCost (360), Zenginkyo Euro Yen TIBOR, TBM 10 line average, OurLIBOR, etc.) can be set. Note that the data content is an example and does not prevent the addition or deletion of items (the same applies to each data shown below).

  The application content data storage unit 132 stores data relating to the application content of the loan transaction. FIG. 6 is a diagram showing data stored in the application content data storage unit 132 according to an embodiment of the present invention. The application content data in FIG. 6 includes an “application number” that uniquely identifies the application, an “application serial number” that indicates the version of the same application, an “application date” that indicates the date of application, the application approval status, and the loan execution status "Progress status" indicating the applied form number and its serial number "Form number" and "Form serial number", "Billing amount" indicating the amount billed for the loan, "Payment" indicating the date on which the billing amount is desired to be deposited "Preferred date", "Necessary business days" indicating the required business days from the application to the desired date of payment, "Scheduled repayment date" indicating the date on which the invoiced amount (loan amount) is scheduled to be repaid, and "Payment of principal" "Principal payment method", "First repayment month" indicating the first repayment month when the principal payment method is the first and every repayment, "First repayment amount" indicating the repayment amount at the first repayment, Repayment interval "Repayment interval" to indicate, "repayment amount each time" to indicate the repayment amount for each repayment, "interest payment method" to indicate the payment method of interest, and the first repayment month when the interest payment method is installment payment “First repayment month (interest)”, “repayment interval (interest)” indicating the repayment interval of installment payments, “basic interest rate category”, “annual interest category” indicating the annual interest rate category, and funding method which is a fund arrangement method “ Stores the “funding method”. The record of the application content data in FIG. 6 is uniquely indicated by “application number” and “application serial number”. For example, when the application content is updated and registered, the “application serial number” is registered so as to increase sequentially.

  In the “principal payment method”, a numerical value (for example, 1: lump sum repayment, 2: repayment every time, 3: repayment for the first time and repayment) can be set. Here, the collective repayment of the principal is a collective repayment on the scheduled repayment date. Moreover, repayment every time is to repay a predetermined amount every time, for example, every predetermined month from a predetermined month. And the first and every repayment is to repay a predetermined amount in a predetermined month (first repayment month) and thereafter repay a predetermined amount every predetermined month (in addition, the first repayment month and the predetermined month thereafter) Repayment amount may vary). In the case of the first and every repayment, as shown in the data of the fifth record in FIG. 6, the first repayment amount (2 million yen) is repaid in the first repayment month (January 2015), and thereafter the repayment interval (one month) ) Each data can be set to repay the repayment amount (1 million yen) every time. In the case of repayment every time, as shown in the data of the fourth record in FIG. 6, the repayment amount (1 million yen) is repaid every repayment interval (1 month) from the first repayment month (January 2015). Thus, each data can be set.

  In the “interest payment method”, a numerical value (for example, 1: lump sum payment, 2: installment payment) indicating an interest payment method can be set. The lump sum payment of interest is repayment by lump sum payment on a predetermined date. Further, installment payment is to repay a predetermined amount every time from a predetermined month every predetermined month. In the case of installment payments, as shown in the data of the fifth record in FIG. 6, the interest calculated every repayment interval (interest) (1 month) from the first repayment month (interest) (January 2015) is repaid. In addition, each data can be set. In the case of lump sum payment, each data is set to be repaid by lump sum payment on a predetermined date (first repayment month (interest) / January 2015) as shown in the data of the first record in FIG. can do.

  In the “annual interest classification”, a numerical value (for example, based on 1: 365 days, based on 2: 360 days) indicating an interest payment method can be set. In the “funding method”, a numerical value indicating a fund arrangement method (for example, 1: online funding, 2: call forwarding funding, 3: other funding) can be set. Online funding is a case where funds are arranged online through a banking system, for example, to a department that manages funds in a financial institution. Calling funding refers to the case where the department arranges funds by telephone when there is another reason why it cannot be arranged online. Furthermore, other funding is an arrangement method that does not fall into online funding and call funding (for example, online, but fund arrangements are made through multiple linkage systems. Final confirmation by human is required for the amount).

  Next, if only software programs stored in the program storage area in the storage device 116 are listed, the application form creation means 120, the application creation means 121, the automatic execution determination means 122, and the loan execution Means 123 are provided. These means are executed by the CPU 110.

  Upon receiving an application form creation request instruction (for example, pressing an application form creation button in the dedicated site) from the financial institution terminal 105 used at the front, the application form creation means 120 receives the approval data of the corresponding case from the approval data storage unit. Obtained from 130 and transmitted to the financial institution terminal 105. The application form creation means 120 receives application form data created based on the approval data from the financial institution terminal 105 and registers it in the application form data storage unit 131.

  Upon receiving from the financial institution terminal 105 an instruction for requesting creation of guidance to the customer (for example, pressing the application guidance creation button in the dedicated site) from the financial institution terminal 105, the application creation means 121 receives the application form data of the corresponding case from the application form data storage unit 131. And transmitted to the financial institution terminal 105. Further, the application creation unit 121 receives guide data created based on the application form data from the financial institution terminal 105 and registers it in the application content data storage unit 132. Further, when receiving the application request instruction from the customer terminal 104, the application creating unit 121 acquires the application form data of the corresponding case or the created guidance data from the application form data storage unit 131 or the application content data storage unit 132, respectively. Can be transmitted to the customer terminal 104. The application creation unit 121 receives application content data created based on the application form data or guide data from the customer terminal 104 and registers or updates the application content data in the application content data storage unit 132.

  Upon receiving an application content confirmation request instruction (for example, pressing the confirmation button in the dedicated site) from the financial institution terminal 105, the automatic execution determination unit 122 acquires the application content data of the corresponding case from the application content data storage unit 132, It can be transmitted to the financial institution terminal 105. When the automatic execution determination unit 122 receives a confirmation instruction for the application content from the financial institution terminal 105 (for example, pressing of a circulation button in the dedicated site), the automatic execution determination unit 122 determines whether or not automatic execution is possible for the loan. If it is determined that automatic execution is possible by determining whether automatic execution is possible, the loan execution unit 123 executes a loan process for the application content. On the other hand, when it is determined that automatic execution is impossible, the automatic execution determination unit 122 registers the fact in the database in order to confirm with middle back as a circulation destination when automatic execution is not performed.

  Next, with reference to the flowchart of FIG. 2 and the data of FIGS. 5 and 6, the loan execution processing according to the embodiment of the present invention will be described along the flow. This process is based on the application form data, assuming that application form data (FIG. 5), which is loan condition data, has been created based on pre-approved approval data (FIG. 4) at the front desk. This is a process for applying for a loan, confirming the contents of the application, and executing the loan. There are two types of loan applications: new applications and ongoing loan applications. Also, based on approved approval data (FIG. 4), for example, the front uses the financial institution person in charge terminal 105 to refer to the approval data, updates necessary items, and then applies to application form data (FIG. 5). ) To create. More specifically, for example, the “contract maximum amount” in the application form data (FIG. 5) can be set by referring to the “consultation amount” in the approval data (FIG. 4). At this time, when the request amount is used as it is, the “request amount” in the request data can be automatically set to the “billing amount” in the application form data. In this case, it is also possible to automatically set based on the latest request data (for example, in the request data (FIG. 4), the data with the largest item branch number among the same item numbers is determined as the latest request data). . In addition, referring to the annual interest base shown from “Annual Interest Category” in the request data (Figure 4), for example, select the base interest rate displayed on the dedicated site, and select “Base Interest Category” in the application form data (Figure 5). Can also be set. At this time, when application form data that is inconsistent with the approval data is created (for example, a charge amount higher than the approval amount is set), it is possible to control to display a warning message or an error message.

  FIG. 2 is a flowchart showing a loan execution process according to an embodiment of the present invention. The start of the loan execution process is divided into two patterns depending on whether or not the person in charge of the financial institution (front) provides application guidance to the customer. The pattern starting from step 101 is a pattern in which the front desk provides application guidance to the customer and the customer makes a borrowing application with reference to the guidance (hereinafter referred to as “guidance creation pattern”). On the other hand, the pattern starting from step 105 is a pattern in which the customer creates an application content and makes a borrowing application (hereinafter referred to as “customer creation pattern”).

  The former pattern (guide creation pattern) is shown. First, in step 101, when the application creation means 121 receives an instruction for creating a guidance for a customer (for example, pressing the application guidance creation button in the dedicated site) from the financial institution terminal 105, the application form data (FIG. 5) is acquired from the application form data storage unit 131 and transmitted to the financial institution terminal 105. More specifically, for example, the application form data storage unit 131 is searched based on the form number included in the creation request instruction or transmitted, and the application form data of the corresponding item is acquired. In the case of searching by form number, for example, a record having a large form serial number (determined to be the latest) can be acquired. Further, in the case of searching by case number, the application form data can be arbitrarily selected at the financial institution terminal 105 by acquiring a plurality of application form data and transmitting it to the financial institution terminal 105. It is also possible to narrow down and acquire records that have both large form serial numbers (determined to be the latest).

  In the case of a continuous application, in step 101, application content data (FIG. 6) relating to the executed loan can be acquired from the application content data storage unit 132 and transmitted to the financial institution terminal 105. In this case, the application content data (FIG. 6) is acquired from the application number and application serial number for continuing application, which are transmitted in the guidance creation request instruction from the financial institution terminal 105. Next, corresponding application form data (FIG. 5) is acquired based on the form number and form serial number included in the application content data.

  The front uses the financial institution terminal 105 to create guide data (application content data (FIG. 6)) based on the application form data (FIG. 5) transmitted in step 101. At this time, for example, the reference interest rate classification of the application form data and the required number of business days can be used as the initial value of the guidance data.

  Next, the application creation unit 121 receives guide data (application content data) created based on the application form data from the financial institution terminal 105 and registers it in the application content data storage unit 132 (step 102).

  The registered guidance data is acquired from the application content data storage unit 132 by the application creation unit 121 in response to receiving an application request instruction (for example, pressing the application button in the dedicated site) from the customer terminal 104, and It is transmitted to the terminal 104 (step 103). The customer uses the customer terminal 104 to confirm the transmitted guidance data, and updates the necessary items and applies for a loan (transmits the updated guidance data to the financial institution server 101 as application content data). ).

  On the other hand, in the case of the customer creation pattern, in step 105, when the application creation means 121 receives a loan application request instruction (for example, pressing the application button in the dedicated site) from the customer terminal 104, the application form data ( 5) is acquired from the application form data storage unit 131 and transmitted to the customer terminal 104. A specific method for acquiring the application form data is the same as in step 101.

  The customer uses the customer terminal 104 to create application content data (FIG. 6) based on the application form data (FIG. 5) transmitted in step 105 and apply for a loan (created application content data). Is transmitted to the financial institution server 101). Here, for example, the reference interest rate classification of the application form data and the required number of business days can be used as the initial value of the application content data.

  The application content data (FIG. 6) transmitted in step 103 or 105 is received by the application creation means 121 and registered or updated in the application content data storage unit 132 (step 104).

  The application content data registered or updated in step 104 (FIG. 6) is automatically executed in response to receiving an application content confirmation request instruction from the financial institution terminal 105 (for example, pressing a confirmation button in a dedicated site). It is acquired from the application content data storage unit 132 by the determination means 122 and transmitted to the financial institution terminal 105. The front desk uses the financial institution terminal 105 to check the system determination result of whether the balance after the lending of this time is extremely converged, the credit status of the customer (whether there has been any arrears until now), etc. . If there is no problem in the confirmation of the application content, the front uses the financial institution terminal 105 to transmit a confirmation instruction for the application content (for example, pressing a circulation button in the dedicated site) to the financial institution server 101. The transmitted confirmation instruction is received by the automatic execution determination means 122 (step 106).

  In response to receiving the transmitted confirmation instruction, the automatic execution determination unit 122 determines whether automatic execution is possible for the loan (step 107). Details of the automatic execution permission determination will be described later.

  When it is determined in step 107 that automatic execution is possible, the process proceeds to a Yes route in step 108, and the loan execution unit 123 executes a loan process for the application content (step 109). After step 109, the process ends.

  On the other hand, if it is determined in step 107 that automatic execution is not possible, the process proceeds to the No route in step 108 and the process ends. In this case, the automatic execution determination unit 122 can register in the database that automatic execution is impossible for middle back confirmation. After that, the middle back uses the financial institution terminal 105 for the application content data that cannot be automatically executed, whether the application content and the approved approval conditions match, and if there are credit conditions, Check whether the conditions are met. If there is no problem in middle back confirmation, loan processing is executed.

  Next, referring to the flowchart of FIG. 3 and the data of FIG. 6, the automatic loan execution determination process according to an embodiment of the present invention will be described along the flow. The process is a process of determining whether or not a loan transaction can be automatically executed based on the applied content. When it is determined that automatic execution is possible, the lending process can be executed without the confirmation in the middle back described in the previous section.

  FIG. 3 is a flowchart showing an automatic loan execution feasibility determination process according to an embodiment of the present invention. In this process, the condition determination as shown in steps 201 to 205 is performed based on the application content data (FIG. 6), the application form data (FIG. 5), etc., but the order of each condition determination is changed. It is possible. Also, other condition determinations can be included before and after each condition determination in steps 201-205, and it is not necessary to execute all the condition determinations in step 201-205.

  First, in step 201, the automatic execution determination unit 122 determines whether or not the reference interest rate is a base rate to be automatically executed. Specifically, when the base interest rate is a short-term prime rate, or when the base interest rate is OutCost (365) and the invoiced amount is less than 2 billion yen (in the application contents data (FIG. 6), “reference interest rate category” = “ 1 ”or“ basic interest rate category ”=“ 2 ”and“ billing amount ”<2,000,000,000), it is determined that the base rate is an automatic execution target, and the process proceeds to a Yes route and can proceed to step 202. In addition, if the base interest rate is OutCost (365) only for the first repayment and the subsequent repayment is a short-term prime rate and the invoiced amount is less than 2 billion yen, a condition for determining that it is a base rate subject to automatic execution, Some of the above conditions can also be deleted. If it is determined in step 201 that the base interest rate is not the base rate to be automatically executed, the process proceeds to the No route, and it is determined that the automatic execution of the loan is “impossible” (step 207), and this process ends.

  On the other hand, if it is determined in step 201 that the base interest rate is the base rate to be automatically executed, the process proceeds to the Yes route, and the automatic execution determining unit 122 has the application date two business days before the desired payment date (account date). It is determined whether or not (step 202). This is to secure a funding period until the desired deposit date, and if applicable, can be automatically executed. Also, the number of days can be changed, for example, two business days are set to three business days. The determination method will be explained in more detail. From the “application date” and “payment desired date” in the application content data (FIG. 6) and the business day master (calendar data on business days of financial institutions, not shown) Judgment is made by calculating the difference in the number of business days between the date and the desired deposit date. If it is determined in step 202 that the application date is not two business days before the payment desired date, the process proceeds to No route, and it is determined that the automatic execution of the loan is “impossible” (step 207), and this process ends.

  On the other hand, if it is determined in step 202 that the application date is two business days prior to the payment desired date, the process proceeds to the Yes route, and the automatic execution determination means 122 determines whether or not the application content is an application with the latest approval. Is determined (step 203). Specifically, the “form number” and “form serial number” in the application content data (FIG. 6) are the latest form data in the application form data (FIG. 5). It is determined whether or not. In another embodiment, a record of the application form data (FIG. 5) is specified from the “form number” and “form serial number” of the application content data (FIG. 6). By applying the latest request data by specifying the latest request data in the request data (Fig. 4) from the "number" and "item number" (determined that the largest item number is the latest among the same item numbers). It can also be determined whether or not. If it is determined in step 203 that the application content is not an application for the latest approval, the process proceeds to No route, and it is determined that the automatic execution of the loan is “impossible” (step 207), and the process ends.

  On the other hand, if it is determined in step 203 that the application content is an application for the latest approval, the process proceeds to the Yes route, and the automatic execution determination unit 122 determines whether or not the charged amount is within the extreme amount (balance). (Step 204). Specifically, “Lending amount already executed”-“Of which, the amount that has been decided to be repaid by the desired date of payment of this loan” + “This loan amount” is within the maximum amount of the contract. It is determined whether or not there is.

  Here, a method of calculating “the loan amount already executed” will be described. First, the “case number” corresponding to the application form data (FIG. 5) is acquired using “form number” and “form serial number” of the application content data (FIG. 6) as search keys. Next, “form number” of the same transaction item is acquired from the application form data (FIG. 5) using the acquired item number as a search key (a plurality of different form numbers may be acquired). Then, the application content data (FIG. 6) is searched using the acquired “form number” as a search key, and the total of “billed amount” of “progress status” = “5” (loan execution completed) is “already executed Loan amount ". At this time, the "billed amount" of "progress status" = "4" (approved) can also be totaled (including the ones scheduled to be executed). The content is already approved, and after that, even if it is just waiting for payment, we will make an in-progress judgment.)

  Next, a method of calculating “amount of money that is determined to be repaid by the desired payment date of the loan” will be described. Of the “already executed loan amount” calculated in the previous section, the “scheduled repayment date” in the application details data (FIG. 6) is the sum of the “billed amount” in the data before the desired payment date of this loan. Of this amount, it is decided that the loan will be repaid by the desired payment date.

  The “current loan amount” is the “billed amount” in the application content data (FIG. 6) related to the current application. That is, in step 204, “already executed loan amount” − “among which is determined to be repaid by the desired payment date of the current loan” + “current loan amount” is applied to the application content data ( It is determined whether it is within the corresponding “contract extreme amount” of the application form data (FIG. 5) acquired using “form number” and “form serial number” in FIG. 6) as search keys. If it is determined in step 204 that the billed amount is not within the extreme amount (balance), the route proceeds to No route, and it is determined that the automatic execution of the loan is “impossible” (step 207), and this processing ends.

  On the other hand, if it is determined in step 204 that the charged amount is within the maximum amount (balance), the process proceeds to the Yes route, and the automatic execution determination unit 122 addresses the loan condition related to the current application to the middle back. It is determined whether or not there is a special instruction (step 205). Specifically, the corresponding “middleback addressed matter” or “remarks” in the application form data (FIG. 5) acquired using the “form number” and “form serial number” in the application content data (FIG. 6) as search keys. It is determined whether something is set in. As a specific example to be set, it is assumed that artificial confirmation is required for a customer or the like for each loan, such as “confirmation of use of funds at each borrowing”. If it is determined in step 205 that there is no special instruction addressed to the middle back or the like for the loan conditions related to the current application, the process proceeds to the No route and it is determined that the automatic execution of the loan is “permitted” (step 206). This process ends. On the other hand, if it is determined in step 205 that there is a special instruction addressed to the middle back or the like, the process proceeds to the Yes route, and it is determined that the automatic execution of the loan is “impossible” (step 207), and this process ends.

  Note that the flowchart showing the automatic loan execution determination process in FIG. 3 is only a position embodiment, and as described above, each condition determination can be replaced or deleted, and other condition determinations can be included. . Specifically, other condition determinations are: (1) Whether the funding method is “online funding” (whether “funding method” = “1” in the application content data (FIG. 6)) ), (2) In the case of a continuation application, whether it is a continuation of reduction, continuation of summation, or continuation of summation, (3) whether there are any conditions for collecting funds, (4) whether it is a bank line , (5) determining whether or not there is a collection instruction such as a stamp fee and a fee at the time of lending, and (6) determining whether or not there is accrued interest at the time of continuing application. Here, “continuing the reduction” means extending the borrowing period after reducing the borrowing amount. Continuation of summation refers to adding multiple borrowings and extending the borrowing deadline as a single borrowing. Continuing to add up is adding a certain amount after adding multiple borrowings and extending the borrowing deadline. To do. A bank line is a product that allows the borrowing of working capital and equipment funds to be repeated within the limits, with the maximum amount of financing set as real estate and securities.

  As described above, according to the present invention, it is possible to determine whether or not the loan transaction can be automatically executed and to execute the loan by the computer when the loan transaction can be automatically executed.

Claims (6)

A computer that determines whether or not a loan transaction can be automatically executed and executes a loan when automatic execution is possible, the computer comprising:
A means for receiving application content data relating to new or continued application for the loan from a customer terminal used by the customer using the loan, wherein the application content data is based on at least approved approval data of a financial institution was created on the basis of the lending condition data registered in advance via the financial institution terminal by personnel, the lending condition data the application content data and the lending condition data, and the approval data Contact and are respectively associated, means When,
Means for transmitting the received application content data to a financial institution terminal used by a financial institution person performing the loan;
Means for receiving an indication from the financial institution terminal that the application content data has been confirmed;
In response to receiving the display, the application content data Oyo based on beauty before Symbol lending condition data, a means for determining the automatic executability of the loan, the determination of the automatic executability of the loan Is that the application content data is based on the latest approval data based on the association between the application content data and the loan condition data and the association with the approval data and the loan condition data. Means for determining that automatic execution is possible when determined as:
A computer, comprising: means for executing the loan based on the application content data when it is determined that the automatic execution is possible in the determination.   2. The computer according to claim 1, wherein the application content data and / or the loan condition data includes at least one of a base interest rate, a desired deposit date, and a charged amount for the loan.   The application content data and / or the loan condition data further includes an extreme amount for the loan, a loan amount that has already been executed in the transaction related to the loan, and the desired payment date of the already executed loan amount. The loan amount that has already been executed includes the loan amount that is scheduled to be executed, and the determination of whether or not the loan can be automatically executed is the loan that has already been executed. The computer according to claim 2, further comprising: determining that automatic execution is possible when the amount−the amount determined to be repaid + the amount charged is within the extreme amount.   The computer according to any one of claims 1 to 3, wherein the application content data is created as guidance data for the customer by the person in charge of the financial institution via the financial institution terminal. A method of determining whether or not a loan transaction can be automatically executed and executing a loan when automatic execution is possible, the method comprising:
Receiving the application content data related to the new or continued application for the loan from the customer terminal used by the customer using the loan, wherein the application content data is based on at least the approved approval data of the financial institution was created on the basis of the lending condition data registered in advance via the financial institution terminal by personnel, the lending condition data the application content data and the lending condition data, and the approval data Contact and are associated respectively, step When,
Transmitting the received application content data to a financial institution terminal used by a financial institution person performing the loan;
Receiving an indication from the financial institution terminal that the application content data has been confirmed;
In response to receiving the display, the application content data Oyo based on beauty before Symbol lending condition data, a step of performing judgment of the automatic executability of the loan, the determination of the automatic executability of the loan Is that the application content data is based on the latest approval data based on the association between the application content data and the loan condition data and the association with the approval data and the loan condition data. Including determining that automatic execution is possible when determined as:
And a step of executing the loan based on the application content data when it is determined in the determination that automatic execution is possible. A computer program for determining whether or not a loan transaction can be automatically executed, and causing a computer to execute a method of executing a loan when automatic execution is possible, and when the computer program is executed by the computer,
The application content data related to the new or continued application for the loan is received from a customer terminal used by the customer using the loan, and the application content data is financially transmitted by a person in charge of the financial institution based on at least approved approval data. are created based on previously registered lending condition data via the agency terminal, the lending condition data the application content data and the lending condition data, and the approval data Contact and are respectively associated,
The received application content data is transmitted to a financial institution terminal used by a financial institution person in charge of the loan,
From the financial institution terminal, to receive an indication that the application content data has been confirmed
In response to receiving the display, the application content data Oyo based on beauty before Symbol lending condition data, to perform the determination of the automatic executability of the loan to perform the determination of the automatic executability of the loan It is determined that the application content data is based on the latest approval data based on the association between the application content data and the loan condition data and the association with the approval data and the loan condition data. Determining that automatic execution is possible,
When it is determined in the determination that automatic execution is possible, the loan is executed based on the application content data.

Images