JP6977444B2 - Transaction processing equipment, transaction processing systems, transaction processing methods and programs - Google Patents

Description

The present invention provides an advantageous withdrawal method and repayment method when a user intends to withdraw cash from his / her own ordinary account with a transaction processing device capable of depositing / withdrawing cash. That is, the transaction processing device has the transaction details when the withdrawal transaction is performed from the ordinary account for the withdrawal amount specified by the withdrawal operation of the user, and the withdrawal amount instead of the withdrawal transaction. It is possible to make a repayment reservation for a loan on a repayment date that is convenient for the user when the user uses the loan borrowing transaction by presenting to the user the more advantageous transaction contents when the loan borrowing transaction is performed.

Currently, in order for a user to obtain the desired amount of cash from a financial institution, a withdrawal transaction from the user's own ordinary account must be performed at a counter or an automated teller machine (ATM). Alternatively, there is a method of borrowing a loan. When a user withdraws cash from a user's own ordinary account using an ATM, the ATM will charge the amount of the handling fee predetermined for the transaction day (day of the week) or transaction time zone from the ordinary account. Reduce the amount and withdraw cash to the user. On the other hand, when a user borrows a loan using an ATM, the ATM gives the user cash based on the contract details at the time of opening the loan account, such as the borrowing limit and the borrowing interest rate, according to the input operation of the user. Loan loan processing to lend to. Also, with regard to loan borrowing, interest is accrued according to the borrowing amount, borrowing period, and contract details, but depending on the conditions, the interest on loan borrowing may be lower than the handling fee for withdrawal transactions. In such a case, the ATM notifies the user that the desired amount of cash can be borrowed at an interest rate lower than the handling fee.

For example, in the cash automatic transaction device described in Document 1, when a customer withdraws cash from a bank account using the cash automatic transaction device, the handling fee for withdrawal transactions and the withdrawal amount entered by the customer are treated as loan transactions. Compare with the borrowing interest when borrowing and repayment on the next contracted repayment date, if the handling fee is lower than the borrowing interest by the loan, perform a normal withdrawal transaction, and if the borrowing interest by the loan is lower than the handling fee Displays the loan borrowing arrangement screen on the display means. When the customer performs an operation to change to the loan treatment on the placement screen displayed on the display means, the cash automatic transaction device changes from the withdrawal transaction to the loan treatment transaction and makes a loan transaction to the customer ( Cashing).

Japanese Unexamined Patent Publication No. 2004-199125

However, in the cash automatic transaction device described above, although the customer can change from the withdrawal transaction of the ordinary account to the loan transaction treatment and perform the loan transaction (caching), the loan repayment method is a loan such as contract repayment. Only the method of repayment according to the contract conditions (repayment time, etc.) exchanged between the person and the debtor was available, and the customer could not make a repayment reservation for the loan on the repayment date that suits his / her convenience. ..

Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to provide a user who performs a loan borrowing transaction for the withdrawal amount instead of a cash withdrawal transaction. To provide a new and improved transaction processing device, transaction processing system, transaction processing method and program that allows the user to reserve the repayment of a loan on a repayment date that is convenient for him / her. ..

Further, according to another aspect of the present invention, in a transaction processing device for conducting a transaction involving deposits and withdrawals of cash, the withdrawal amount information input by the user to the transaction processing device and the input withdrawal amount information can be obtained. Withdrawal transaction information acquisition department that acquires withdrawal transaction information including handling fee information generated in withdrawal transactions based on it, and borrowing information acquisition department that acquires borrowing interest rate information when the user borrows as a loan transaction And, the withdrawal amount information and the borrowing interest rate information, the interest paid on one or more repayment dates including the day after the borrowing date, which is generated when the user borrows the withdrawal amount in the treatment of a loan transaction. A calculation unit that calculates from , A display unit that displays a repayment date of interest expense lower than the handling fee, the interest expense, and a borrowing guidance image including an instruction receiving unit that accepts a selection instruction of the repayment date, and a repayment date of the selection instruction. The withdrawal transaction information acquisition unit acquires the user's account balance information, and the judgment unit acquires the withdrawal amount and the handling fee. Comparing the total and the account balance, when the total amount of the withdrawal amount and the handling fee exceeds the account balance and the total amount of the withdrawal amount and the interest expense is less than or equal to the account balance, a loan is given to the user. A transaction processing device is provided that determines that the borrowing can be guided.

Further, according to another aspect of the present invention, in a transaction processing system for conducting a transaction involving deposits and withdrawals of cash, the withdrawal amount information input by the user to the transaction processing device and the input withdrawal amount information can be obtained. Withdrawal transaction information acquisition department that acquires withdrawal transaction information including handling fee information generated in withdrawal transactions based on it, and borrowing information acquisition department that acquires borrowing interest rate information when the user borrows as a loan transaction And, the withdrawal amount information and the borrowing interest rate information, the interest paid on one or more repayment dates including the day after the borrowing date, which is generated when the user borrows the withdrawal amount in the treatment of a loan transaction. A calculation unit that calculates from , A display unit that displays a repayment date of interest expense lower than the handling fee, the interest expense, and a borrowing guidance image including an instruction receiving unit that accepts a selection instruction of the repayment date, and a repayment date of the selection instruction. The withdrawal transaction information acquisition unit acquires the user's account balance information, and the judgment unit acquires the withdrawal amount and the handling fee. Comparing the total and the account balance, when the total amount of the withdrawal amount and the handling fee exceeds the account balance and the total amount of the withdrawal amount and the interest expense is less than or equal to the account balance, a loan is given to the user. A transaction processing system is provided that determines that it is possible to guide the borrowing of.

Further, according to another aspect of the present invention, the computer uses the withdrawal amount information input by the user to the transaction processing device and the handling fee information generated in the withdrawal transaction based on the input withdrawal amount information. The withdrawal transaction information acquisition unit that acquires the withdrawal transaction information including the loan transaction information, the borrowing information acquisition unit that acquires the borrowing interest rate information when the user borrows by handling the loan transaction, and the above-mentioned user handling the loan transaction. A calculation unit that calculates interest paid on one or more repayment dates including the day after the borrowing date, which occurs when borrowing the withdrawal amount, from the withdrawal amount information and the borrowing interest rate information, and the handling fee. And the judgment unit that judges that it is possible to guide the borrowing of the loan to the user when there is a repayment date that is lower than the handling fee by comparing the interest paid and the repayment of the interest paid lower than the handling fee. A display unit that displays the date, the interest paid, and the borrowing guide image including the instruction receiving unit that accepts the selection instruction of the repayment date, and the loan borrowing that makes a repayment reservation with the repayment date specified in the selection as the scheduled repayment date. With a processing unit, the withdrawal transaction information acquisition unit acquires the user's account balance information, and the judgment unit compares the withdrawal amount, the total of the handling fees, and the account balance, and withdraws. Transaction processing that determines that it is possible to guide the user to borrow with a loan when the total amount of the amount and the handling fee exceeds the account balance and the total amount of the withdrawal amount and the interest expense is less than or equal to the account balance. A program is provided to make it function as a device.

According to another aspect of the present invention, the computer, and the payment amount information input by the user to the transaction processing unit, a handling fee information generated by the withdrawal transaction based on the payment amount information input , Acquiring withdrawal transaction information including the account balance information of the user, acquiring borrowing interest rate information when the user borrows as a loan transaction, and handling the loan transaction by the user. To calculate the interest paid on one or more repayment dates including the day after the borrowing date, which is generated when borrowing the withdrawal amount, from the withdrawal amount information and the borrowing interest rate information, and the handling fee. There is a repayment date that is lower than the handling fee by comparing the withdrawal amount and the handling fee, and the withdrawal amount, the total of the handling fee and the account balance are compared, and the withdrawal amount and the handling fee are totaled. Judges that it is possible to guide the user to borrow with a loan when the total amount of the withdrawal amount and the interest expense is less than or equal to the account balance, and the interest expense is lower than the handling fee. To display the repayment date, the interest paid, and the borrowing guide image including the instruction reception unit that accepts the selection instruction of the repayment date, and to make a repayment reservation with the repayment date specified in the selection as the scheduled repayment date. And a transaction processing method including.

As described above, according to the present invention, a transaction processing device capable of a user who performs a loan borrowing transaction instead of a cash withdrawal transaction can reserve a loan repayment on a repayment date that suits his / her convenience. A transaction processing system, transaction processing method and program are provided.

It is a figure which shows the configuration example of the host computer which concerns on this invention. It is a figure which shows each configuration example of the trading apparatus which concerns on this invention. It is a figure which shows the example of the information stored in the user database which concerns on this invention. It is a figure which shows the example of the charge table of the handling fee which concerns on this invention. It is a figure which shows each configuration example of the transaction processing system which concerns on this invention. It is a figure which shows the processing flow example of the transaction processing system which concerns on 1st Embodiment of this invention. It is a figure which shows the example of the guide image displayed on the display part which concerns on 1st Embodiment of this invention. It is a figure which shows the example of the loan borrowing / repayment content confirmation image displayed on the display part which concerns on 1st Embodiment of this invention. It is a figure which shows the processing flow example of the transaction processing system which concerns on the 2nd Embodiment of this invention. It is a figure which shows the example of the loan borrowing, the repayment content confirmation, and the repayment date selection image displayed on the display unit which concerns on the 2nd Embodiment of this invention. It is a figure which shows the processing flow example of the transaction processing system which concerns on 3rd Embodiment of this invention. It is a figure which shows the example of the loan borrowing / repayment content confirmation image displayed on the display part which concerns on 3rd Embodiment of this invention. It is a figure which shows the example of the guide image (1st division, before a user input) displayed on the display part which concerns on 3rd Embodiment of this invention. It is a figure which shows the example of the guide image (1st division, after input by a user) displayed on the display part which concerns on 3rd Embodiment of this invention. It is a figure which shows the example of the guide image (second division (last), before user input) displayed on the display part which concerns on 3rd Embodiment of this invention. It is a figure which shows the example of the guide image (the second division (last), after the user input) displayed on the display part which concerns on 3rd Embodiment of this invention. It is a figure which shows the example of the loan borrowing / installment repayment content confirmation image displayed on the display part which concerns on 3rd Embodiment of this invention. It is a figure which shows the processing flow example of the transaction processing system which concerns on 4th Embodiment of this invention. It is a figure which shows the example of the guide image displayed on the display part which concerns on 4th Embodiment of this invention. It is a figure which shows the example of the loan borrowing, the repayment content confirmation, and the repayment date selection image displayed on the display unit which concerns on 4th Embodiment of this invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present specification and the drawings, components having substantially the same functional configuration are designated by the same reference numerals, so that duplicate description will be omitted.

<1-1. First Embodiment>
[1.1. Device configuration example of host computer 10]
FIG. 1 is a diagram showing a schematic configuration of a host computer 10 according to the present invention. The host computer 10 according to the present embodiment is installed in an office center of a financial institution such as a bank, and is installed in a store of each financial institution, a convenience store, etc. via a network connection unit 18, and is a transaction device capable of depositing and withdrawing. It is connected to 50. The host computer 10 sends and receives transaction messages such as deposits, withdrawals, and transfers to and from the transaction device 50 via the network connection unit 18, and determines whether or not to conclude the user's transaction. Further, the host computer 10 receives the account number and the password from the transaction device 50 and performs personal authentication to confirm that the user who operates the transaction device 50 is the person himself / herself. The transaction device 50 will be described later.
<Device configuration>
Next, with reference to FIG. 1, each configuration of the host computer 10 according to the first embodiment of the present invention will be described.

As shown in FIG. 1, the host computer 10 mainly includes a CPU 11, a memory 12, a user database 13, an account information inquiry unit 14, a calculation unit 15, a user data update unit 16, and a determination unit 17. , A network connection unit 18, and a storage unit 19. The CPU (Central Processing Unit) 11 functions as an arithmetic processing unit and a control device by a program, and controls the processing of each component provided in the host computer 10. The memory 12 is composed of, for example, a storage device such as a RAM (Random Access Memory), a ROM (Read Only Memory), and a cache memory. The memory 12 has a function of temporarily or permanently storing data related to the processing of the CPU 11, an operation program of the CPU 11, and the like.

The user database 13 includes user information such as the user's name and contact telephone number, ordinary account information such as ordinary account number and password for each user, deposit information such as account balance, and each user. It holds loan account information such as the existence of a loan account, the borrowing limit, and the borrowing interest rate. In addition, when the user makes a loan transaction (hereinafter referred to as loan borrowing), the borrowing amount, the amount of interest paid (hereinafter referred to as borrowing interest), and the repayment reservation date (scheduled repayment date) are used as repayment reservation information. Stored in the person database 13. FIG. 3 is an example of user information, ordinary account information, loan account information, and repayment reservation information stored when a user borrows a loan, which is stored in the user database 13.

When the account information inquiry unit 14 receives a request for inquiry of account information (transaction message) from the transaction device 50, the received ordinary account number and PIN are stored in the user database 13, or the received ordinary account number. Inquire whether the personal identification number matches the ordinary account number and the personal identification number stored in the user database 13. Here, the transaction message is composed of operation information of the user who operates the transaction device 50, for example, the account number information of the ordinary account acquired by reading the cash card, the password input by the user operation, and the withdrawal amount. Information, transaction time information such as when reading a cash card is included. The account information inquiry unit 14 inquires about the account balance corresponding to the received ordinary account number by referring to the user database 13. This makes it possible to confirm whether the received withdrawal amount is within the account balance. Further, the account information inquiry unit 14 inquires about the existence of a loan account corresponding to the inquired ordinary account number by referring to the user database 13, and the loan account information (borrowing information) such as the borrowing limit and the borrowing interest rate. .. The borrowing interest rate may be set for each user, and in that case, the borrowing interest rate information is stored in the user database 13 for each user. Alternatively, if the borrowing interest rate is constant regardless of the user, a value common to each user may be stored in the user database 13. The account information inquiry unit 14 transmits various inquired information to the determination unit 17 as an inquiry result.

When the calculation unit 15 receives the transaction message from the transaction device 50, it borrows the loan with the withdrawal amount from the ordinary account based on the loan account information inquired by the account information inquiry unit 14 (borrowed as a loan transaction). If) calculate the amount of interest on the loan. Specifically, the calculation unit 15 multiplies the withdrawal amount by the borrowing interest rate and divides by 365 to calculate the daily borrowing interest. Multiply the daily borrowing interest by the number of days = 1 (next day) to calculate the amount of borrowing interest that will be accrued on the day after the borrowing date (transaction day) when the loan is borrowed. Here, the borrowing interest rate held in the user database 13 is assumed to be an annual rate, and the amount of daily borrowing interest accruing from the day after the borrowing date is calculated by dividing by 365, which is the number of days in one year. can do. Further, the borrowing interest rate may be a daily rate obtained by dividing the annual rate by 365, which is the number of days in one year. The calculation unit 15 transmits the calculated amount information of the borrowed interest to the determination unit 17.

The user data update unit 16 updates the account balance according to the withdrawal amount when the user withdraws from the ordinary account. When a user borrows a loan, the borrowing amount, the loan repayment reservation date, and the amount of interest accrued by the loan repayment reservation date are stored in the user database 13 for each user and updated. That is, the repayment reservation information is stored in the user database 13. The user data update unit 16 also updates the account balance according to the transaction amount even when there is a deposit, transfer, etc. to the ordinary account.

The storage unit 19 stores the charge information of the handling fee in the financial institution. The handling fee is, for example, a fee generated when a user makes a withdrawal transaction from an ordinary account via the trading device 50. FIG. 4 shows an example of handling fees in the case of self-bank transactions. Further, the storage unit 19 stores the calculation formula "1 day borrowing interest: borrowing balance x borrowing interest rate ÷ 365 days (rounded down to the nearest yen)" used by the calculation unit 15. The calculation formula may be incorporated in the processing algorithm of the calculation unit 15 instead of being stored in the storage unit 19.

The judgment unit 17 is trying to make a withdrawal transaction based on the inquiry result of the account information inquiry unit 14, the handling fee information stored in the storage unit 19, and the amount of interest borrowed calculated by the calculation unit 15. Determine whether or not to guide the person to borrow from the loan account. The determination unit 17 inquires about the handling fee information stored in the storage unit 19, and acquires the amount of the handling fee corresponding to the time information of the received transaction message. The judgment unit 17 determines whether the total of the received withdrawal amount and the handling fee is within the account balance, and has a loan account corresponding to the ordinary account number, the received withdrawal amount is within the borrowing limit, and the borrowing is performed. If the amount of interest is less than the handling fee, it is judged that the user will be instructed to use the loan from the loan account. That is, even if the withdrawal transaction from the ordinary account is possible, the judgment unit 17 compares the handling fee of the withdrawal transaction with the interest on the loan, and uses the loan when the loan is cheaper. Judge to guide. Here, the information included in the above-mentioned transaction message and the information such as handling fees handled in the withdrawal transaction are collectively referred to as withdrawal transaction information.

The network connection unit 18 is connected to an arbitrary dedicated communication line such as a LAN (Local Area Network) or WAN (Wide Area Network), and is connected to a transaction device 50 via an in-line network 1 described later. Send and receive transaction messages.

[1.2. Configuration example of trading device 50]
FIG. 2 is a diagram showing an example of a schematic configuration of the trading device 50. The transaction device 50 according to the present embodiment is an automated teller machine (ATM: Automated Teller Machine), an automated teller machine (CD: cash dispenser), or the like, and has a normal configuration of an ATM, a CD, or the like. There is. The transaction device 50 is installed in a store of a financial institution, a convenience store, or the like. The transaction device 50 enables various transactions such as deposit, withdrawal, transfer, balance inquiry, and loan contract by the operation of the user. The transaction device 50 is connected to the external host computer 10 via the network connection unit 56.
<Device configuration>
Next, with reference to FIG. 2, each configuration of the trading apparatus 50 according to the first embodiment of the present invention will be described. FIG. 2 is a diagram showing an example of a schematic configuration of the trading apparatus 50 according to the first embodiment of the present invention.

As shown in FIG. 2, the transaction device 50 mainly includes a CPU 51, a memory 52, an input reception unit 53, a display unit 54, a printing unit 55, a network connection unit 56, a storage unit 57, and card information. It is composed of a reading unit 58, a clock unit 59, a cash processing unit 60, an image generation unit 61, a withdrawal transaction processing unit 62, and a loan borrowing processing unit 63. The CPU 51 (Central Processing Unit) functions as an arithmetic processing unit and a control device by a program, and controls the processing of each component provided in the transaction device 50. The CPU 51 generates various transaction messages from the password information, transaction type information (deposit, withdrawal, transfer, loan borrowing, etc.), amount information, and card information (account number, etc.) input by the input reception unit 53. The memory 52 is composed of, for example, a storage device such as a RAM (Random Access Memory), a ROM (Read Only Memory), and a cache memory. The memory 52 has a function of temporarily or permanently storing data related to CPU processing, a CPU operation program, and the like.

The input receiving unit 53 is, for example, a button, a numeric keypad, a keyboard (including a touch panel type button displayed on the display unit 54, etc.), and accepts a user's input operation. For example, the user operates the input receiving unit 53 to input the password of the account, the withdrawal amount, the execution instruction of the transaction process, and the like, and the transaction content and the like are determined in the transaction device 50. Further, the information input by the input receiving unit 53 is included in the transaction message generated by the control of the CPU 51, and is transmitted to the host computer 10 via the network connection unit 55 described later.

The display unit 54 includes, for example, a liquid crystal display (LCD) device, a CRT display device, a display device for displaying a video signal such as a lamp. For example, the user of the trading device can confirm the result of the operation performed by the input receiving unit 53 on the display unit 54. The display unit 54 displays, for example, transaction details when a user makes a transaction such as depositing cash in an account, withdrawing money from an account, or making a transfer, and also allows the user to use a loan from a loan account. An image that maps the amount of interest on the loan that will be accrued from the day after the borrowing date that corresponds to the selectable repayment date and the repayment date, and various buttons that determine switching to loan borrowing and execution of loan borrowing, etc. indicate. When the touch panel type button is displayed on the display unit, the transaction content may be displayed on another display device.

The printing unit 55 prints the transaction details on the transaction statement based on the transaction processing result, and issues the transaction statement to the user. The transaction statement printed by the printing unit 55 is discharged toward the user from the transaction statement discharge port 551 (see FIG. 5) provided in the printing unit 55.

The network connection unit 56 is composed of, for example, a network interface card, and is connected to another configuration such as the CPU 51 via a bus. The network connection unit 56 is connected to an arbitrary dedicated communication line such as a LAN or WAN, and transmits / receives data and transaction messages to / from the host computer 10 via the in-line network 1 described later.

The storage unit 57 is composed of, for example, a storage medium such as an HDD (hard disk drive) or a flash memory, or a recording / playback device, and stores various data and a program file operating on the transaction device 50. Further, the storage unit 57 stores, for example, image data to be displayed on the display unit 54. The storage unit 57 may be built in the trading device or may be connected to the trading device main body via a network.

The card information reading unit 58 is a functional unit for acquiring information for user identification, and reads card information of a cash card used when a user of the transaction device 50 makes a transaction. The card information reading unit 58 includes a card reading port 581 (see FIG. 5), and the user's cash card is taken into the inside of the transaction device 50 via the card reading port 581 and discharged after the transaction.

The clock unit 59 has a clock function and generates time information indicating the current year, month, day, hour, minute, and second. The clock unit 59 provides the current time information to each unit on the trading device 50. The time information is appropriately stored together with other information, and is notified to the host computer 10 via the network connection unit 56 as needed. For example, when a user inserts a cash card from a card reading port 581, the card information reading unit 58 generates time information at the time when the card information of the cash card is read, or the input receiving unit 53 uses a password. Generates time information at the time of input and notifies the host computer 10. In the clock unit 59, the transaction start time, which is the time when the user starts the transaction, the transaction end time, which is the time when the transaction by the user ends, and the operation by the user are performed. Generate an operation time that is the time. The generated operation time information is stored in the storage unit 57. The CPU 51 of the transaction device 50 can recognize the processing time of each transaction from the time information of the clock unit 59, for example, and controls the card return when the password is not input within a predetermined time from the cash card reading time. Perform various controls. Further, the CPU 51 specifies information on the transaction fee at the current time based on the time information including the date generated by the clock unit 59. In that case, the charge information of the handling fee similar to that in FIG. 4 is stored in the storage unit 57 of the transaction device 50, and the CPU 51 refers to the charge information.

The cash processing unit 60 processes deposits and withdrawals, that is, accepts deposits of banknotes and coins by the user into the trading device 50, or withdraws money from the trading device 50 to the user. Cash deposits and withdrawals are made through the cash deposit / withdrawal port 601 (see FIG. 5) provided in the cash processing unit 60. For example, the cash processing unit 60 discharges the withdrawal amount input from the input receiving unit 53 from the cash deposit / withdrawal port 601 as banknotes or coins under the control of the CPU 51.

The image generation unit 61 generates an image to be displayed on the display unit 54 from the image data stored in the storage unit 57 according to the control information of the CPU 51. Here, the image data is a background image including a display character string of the transaction screen to be displayed on the display unit 54, and an image to be displayed on the transaction screen by combining with transaction data such as an amount of money and a button for operation. Configure. The image generation unit 61 superimposes transaction data such as a transaction amount, operation buttons, and the like on the image data acquired from the storage unit 57, so that, for example, various transaction images as shown in FIGS. 7 and 8 are displayed. To generate. In the following description, it is assumed that the display of the transaction screen on the display unit is performed by the image generated as described above. The background image may be raster data such as a bitmap or vector data. Alternatively, it may be represented by text data such as HTML and XML.

The withdrawal transaction processing unit 62 performs withdrawal processing from an ordinary account when a user makes a withdrawal transaction. For example, a withdrawal transaction message consisting of information on the withdrawal amount from the ordinary account input from the input reception unit 53 by the user and information on the withdrawal execution instruction is transmitted to the host computer 10 via the network connection unit 55. .. After that, by receiving a telegram indicating that the withdrawal transaction is possible from the host computer 10, when the withdrawal transaction is completed, the withdrawal processing of the withdrawal amount designated by the cash processing unit 60 is performed.

When the user switches from the withdrawal transaction to the loan borrowing, the loan borrowing processing unit 63 performs the borrowing processing and the repayment reservation processing according to the borrowing contents selected by the user. For example, when the button for executing the loan borrowing displayed on the display unit 54 is pressed by the user, the repayment reservation date selected by the user, the information of the interest amount associated with the repayment reservation date, and the user A loan loan transaction message consisting of information on the amount of borrowing for the amount of withdrawal entered by the user and information on instructions for executing the loan is transmitted to the host computer 10 via the network connection unit 55. After that, by receiving a telegram indicating that the loan borrowing transaction is possible from the host computer 10, when the loan borrowing transaction is completed, the cash processing unit 60 performs withdrawal processing of the borrowed amount.

[1.3. Configuration example of a system consisting of a host computer 10 and a trading device 50]
Next, the configuration of the transaction processing system according to the embodiment of the present invention will be described with reference to FIG.

As shown in FIG. 5, the transaction processing system according to the embodiment of the present invention includes the above-mentioned host computer 10, the transaction device 50, and the in-bank network 1. The host computer 10 includes each part as described above.

The transaction device 50 includes each unit as described above, and as an appearance, includes a display unit 54, an input reception unit 53, a cash deposit / withdrawal port 601, a card reading port 581, and a transaction statement slip discharge port 551.

The in-line network 1 is a dedicated communication line network such as a LAN or WAN composed of a dedicated communication line or the like. The host computer 10 and the plurality of trading devices 50 are communicably connected to each other via the in-bank network 1.

[1.4. Transaction processing system operation example]
Next, a main operation example of the host computer 10 and the transaction device 50 constituting the transaction processing system will be described with reference to FIG. FIG. 6 is a diagram showing an example of a processing flow of a main operation of a transaction processing system. As an operation example of the transaction processing system, a case where a user switches from a withdrawal transaction to a loan borrowing transaction via a transaction device 10 will be described. Further, it is assumed that the user database 13 holds the following information regarding the user as shown in FIG.
・ Ordinary account number: 1111111
・ Store number: 123
・ PIN: 7777
・ Ordinary account balance: 51000 yen ・ Loan account presence / absence: 1 (Yes)
・ Borrowing limit: 10,000 yen or more and 100,000 yen or less ・ Borrowing interest rate: 15% per annum
In addition, the following explanation will be given on the assumption that the user will make a withdrawal transaction at the following withdrawal amount and transaction time.
・ Withdrawal amount: 50,000 yen ・ Transaction time: Sunday, June 6, 9:00

As shown in FIG. 6, when the cash card is inserted into the card reading port 581 of the card information reading unit 57 by the user, the card information is read (STEP 1). Specifically, a card reader / writer means (not shown) provided in the transaction device 50 reads the stored information of the card, and stores the card information and the card reading time in the storage unit 57. The cash card stores user information such as a financial institution code, a user's account number, and a name.

Next, an operation image for inputting the personal identification number is displayed on the display unit 54 together with a button for input operation and the like. When the password is input from the input reception unit 53 by the user, an operation image for inputting the withdrawal amount desired by the user is displayed together with a button for input operation and the like. The user inputs the withdrawal amount for the operation image displayed on the display unit 54. The input information is stored in the storage unit 57. Subsequently, under the control of the CPU 51, a transaction message composed of information of a financial institution code, an account number, a withdrawal amount, a password, and a card reading time is generated and transmitted to the host computer 10 via the in-bank network 1. Is done (STEP2).

When the host computer 10 receives the transaction message transmitted from the transaction device 50 (STEP 3), the account information inquiry unit 14 refers to the user database 13 using the received account number as a key, and receives the received password and the user database. It is checked whether or not it matches the password held by 13. When the passwords match, the host computer 10 validates the transaction, and whether or not the total amount of the withdrawal amount and the handling fee received subsequently is within the account balance held in the user database 13. Check (STEP4). When the security code does not match, or when the total amount of the withdrawal amount and the handling fee is not within the account balance (STEP4: check result NG), the host computer 10 sends a message indicating the unavailability judgment to the transaction device 50. Send. As a result, when the transaction device 50 receives a telegram indicating the unavailability determination (STEP 5), the image notifying that the display unit 54 is "unavailable" is "the security code is different" and "the account balance is insufficient". It is displayed with a message such as "We are doing it."

If the received account number and PIN match those held in the user database 13 and the total amount of the withdrawal amount and handling fee is within the account balance (STEP4: check result OK), then The host computer 10 checks the loan account information corresponding to the account number (STEP 6). As a result of the loan account information check, if there is no loan account, if the withdrawal amount is not within the borrowing limit, or if the amount of interest on the loan exceeds the handling fee when the full amount is repaid the next day (STEP6: check result NG), it is normal. Withdrawal processing is performed from the ordinary account of (STEP 7). On the other hand, as a result of the loan account information check, when there is a loan account, the withdrawal amount is within the borrowing limit, and the amount of interest on the loan when the full amount is repaid the next day does not exceed the handling fee (STEP 6: Check result) OK), the judgment unit 17 determines that the user should be informed of the loan borrowing, and proceeds to STEP 11.

The case where the check result is NG in STEP 6 will be described. If the check result is NG in STEP 6, the withdrawal process is performed from the normal ordinary account, and the display unit 54 of the transaction device 50 does not show "Withdrawal transaction subject: Ordinary account number: 1111111, withdrawal amount". A transaction content confirmation image consisting of words such as ": 50,000 yen, fee 108 yen", an execution instruction acceptance button for accepting execution instructions for withdrawal transactions from ordinary accounts, and a cancellation button for canceling transactions is displayed (STEP8). ). After that, when the execution instruction acceptance button is pressed by the user, the withdrawal transaction processing unit 62 transmits the withdrawal transaction message, which is the transaction execution information, to the host computer 10, and the user data update unit 16 of the user. 50108 yen, which is the total amount of the withdrawal amount and the handling fee, is subtracted from the ordinary account balance, and the ordinary account information stored in the user database 13 is updated (STEP 9). When the update by the user data update unit 16 is completed, the notification of the completion of processing is transmitted to the transaction terminal 50 via the in-bank network 1. Upon receiving this, the cash processing unit 59 of the transaction terminal 50 pays out and counts the cash stored in the deposit / withdrawal safe (not shown), discharges 50,000 yen in cash from the cash deposit / withdrawal port 601 and displays an image of the transaction result. It is displayed at 54. The printing unit 55 prints the withdrawal amount, handling fee, and account balance on the transaction statement based on the transaction processing result, and issues the transaction statement to the user from the transaction statement outlet 551 (STEP 10).

On the other hand, a case where the check result is OK in STEP 6 will be described. If there is a loan account from the loan account information corresponding to the account number by the inquiry of the account information inquiry unit 14, it is subsequently checked whether the withdrawal amount is within the borrowing limit. When the withdrawal amount is within the borrowing limit, the calculation unit 15 calculates the interest on the loan when the user borrows the loan and repays the entire amount the next day. Specifically, the calculation unit 15 calculates the borrowing interest when the full amount is repaid the next day based on the calculation formula stored in the storage unit 19. In the case of this embodiment, the withdrawal amount is 50,000 yen and the interest on borrowing is 15% per annum, so multiplying this will result in an annual interest of 7,500 yen. Dividing this by 365, which is the number of days in a year, gives the daily interest amount. If it is the next day, the borrowing period is one day, so multiplying this by the interest amount gives 20 yen. Therefore, the interest amount of 20 yen will be accrued on the day after the borrowing date. From the inquiry result of the account information inquiry unit 14, the handling fee information stored in the storage unit 19, and the interest amount calculated by the calculation unit 15, it is determined whether or not to guide the user to borrow from the loan account. Will be judged better. In this example, the inquiry result that the loan account exists, the withdrawal amount of 50,000 yen is within the borrowing limit, and the handling fee is 108 yen from the transaction time, which is the interest of the next day20. Since the yen is below the handling fee, it is judged that the user should be informed of the loan borrowing (check result: OK). When the judgment unit 17 determines that the loan borrowing should be guided to the user, the handling fee information, the interest amount information when the full amount is repaid the day after the borrowing date, and the loan borrowing guidance information (to recommend the loan borrowing to the user). (Instruction information) is transmitted to the trading device 50 by a telegram.

When the transaction device 50 receives the handling fee information, the interest amount information when the full amount is repaid the next day, and the loan borrowing guidance information (STEP 11), the image generation unit 61 displays the loan borrowing guidance image on the display unit 54. (STEP12). FIG. 7 is an example of displaying a guidance image of loan borrowing. The loan guidance image is from the message 701 that guides you to borrow a loan, such as "You can use the interest on the loan more profitably than the handling fee when you withdraw from the ordinary account", or from the ordinary account. In the case of withdrawal, the total amount of withdrawal amount and handling fee 702, in the case of borrowing from the loan account when the full amount is repaid the day after the borrowing date, the total amount of borrowing amount and interest is 703, withdrawal from the ordinary account It consists of a button 704 for confirming money and a button 705 for switching to borrowing a loan account. In the case of this embodiment, the total amount of 50108 yen for withdrawal (withdrawal) from the ordinary account and the total amount of 50020 yen for borrowing from the loan account when the full amount is repaid the next day are displayed on the display unit 54. ..

When the user selects the button 704 for confirming the withdrawal from the ordinary account displayed on the display unit 54, the withdrawal process from the ordinary ordinary account is performed (STEP 7). When the user selects the button 705 to switch to borrowing the loan account, the content confirmation image shown in FIG. 8 is displayed on the display unit 54 (STEP 13). FIG. 8 is an example of a confirmation image of the contents of loan borrowing. The content confirmation image shows the borrowing details such as the borrowing amount and the borrowing interest when the full amount is repaid the next day, the message "automatic transfer from ordinary account", the repayment content 801 such as the repayment reservation date (automatic transfer date), and the borrowing. It is composed of an execution instruction reception button 802 for receiving a transaction execution instruction and a cancel button 803 for canceling the transaction. The execution instruction reception button 802 is an image area for receiving an execution instruction of a borrowing transaction displayed on the display unit 54, and functions as an instruction reception unit. The instruction receiving unit is a form of an input receiving unit 54 that receives a user's instruction input (for example, a transaction execution instruction). When the user selects the execution instruction reception button 802, the loan borrowing processing unit 63 transmits the loan details, the transfer repayment reservation date, and the loan borrowing transaction message including the loan borrowing execution request to the host computer 10.

On the host computer 10, the user data update unit 16 makes a loan amount of 50,000 yen, which is the same as the withdrawal amount, from the user's loan account, based on the received loan details, the transfer repayment reservation date, and the execution request of the loan loan transaction. The fact that the loan was made and the interest on the loan is 20 yen are stored in the user database 13 (STEP 14), and on the repayment reservation date (the next day in the case of this embodiment) specified by the user, from the ordinary account to the loan account. The repayment reservation information for transferring the amount of 50020 yen, which is the sum of the withdrawal amount and the borrowing interest, is registered in the user database 13 (STEP15). When the update of the user database 13 is completed, the information indicating that the borrowing and the transfer repayment reservation are completed is transmitted to the transaction device 50. After that, the host computer 10 refers to the repayment reservation information at a predetermined time every day, and when the repayment reservation information on the repayment reservation date indicating the current day is detected, the total amount of the borrowing amount and the borrowing interest is deducted from the account. ..

In the transaction device 50, the borrowing amount and the transfer reservation information received on the display unit 54 are displayed in order to present the transaction contents to the user (STEP 16). Then, the cash processing unit 59 of the transaction terminal 50 pays out and counts the cash stored in the deposit / withdrawal safe (not shown), and discharges 50,000 yen of cash from the cash deposit / withdrawal port 601. The printing unit 55 prints the borrowing amount and the transfer reservation date on the transaction statement based on the transaction processing result, and issues the transaction statement to the user from the transaction statement discharge port 551.

<1-2. Summary of the first embodiment>
As described above, according to the present embodiment, the handling fee for withdrawing from a regular account and the amount of interest on the loan when the loan is borrowed and the full amount is repaid the next day are presented to the user. In addition to providing guidance on loan borrowing, the user can make a reservation to repay the entire amount of the loan by transfer the next day by selecting to execute the loan. The user will be able to obtain cash at a lower interest rate than the handling fee.

<2-1. Second embodiment>
In the second embodiment, in addition to the interest on the loan when the user selects the loan and repays the loan in full on the next day, the interest amount is calculated according to a plurality of days starting from the next day. For example, the maximum number of days for which the interest amount is less than the handling fee is calculated, and the interest amount for each number of days up to that number is calculated. Since the operation of the calculation unit 15 is different from that of the first embodiment in the second embodiment, the operation of the calculation unit 15 will be mainly described below.
[2.1. Transaction processing system configuration example]
<Device configuration>
First, the calculation unit according to the second embodiment of the present invention is referred to as a calculation unit 15B, and an operation example of the calculation unit 15B will be described. The schematic configuration of the transaction processing system according to the second embodiment of the present invention is the same as the configuration according to the first embodiment. The description of the same configuration will be omitted. Further, it is assumed that the user database 13 holds the same information as in the first embodiment, and the withdrawal amount and the transaction time are also the same.

The calculation unit 15 of the first embodiment calculated the amount of interest accrued on the next day when the borrowed interest is the minimum amount, but the calculation unit 15B in the second embodiment calculates the amount of the borrowed interest starting from the next day as the handling fee. Calculate the maximum number of days that is less than, and calculate the amount of interest on daily borrowing up to that number of days. Specifically, the calculation unit 15B calculates that the interest amount of 20 yen per day is generated as the daily interest amount. Next, the calculation unit 15B calculates the number of days when the interest amount is less than the handling fee, or the number of days when the interest amount does not exceed 108 yen in the example of Example 1. Since the interest amount per day is 20 yen for the handling fee of 108 yen in this example, the period of 5 days (X x 20 <108, X is a natural number) with the next day as the starting date (first day) If you repay the interest amount and the borrowing amount in full, you can borrow with the interest amount less than 108 yen of the handling fee. Therefore, the calculation unit 15B calculates the amount of interest accrued on each number of days in the period from the day after the borrowing date to 5 days after the borrowing date. Specifically, according to the calculation unit 15B, if the user borrows the loan and repays the full amount the next day, the interest amount is 20 yen. If the user repays the full amount two days later, the interest amount is 40 yen. If you do, you will be charged an interest amount of 60 yen, if you repay the full amount after 4 days, you will be charged an interest amount of 80 yen, and if you repay the full amount after 5 days, you will be charged an interest amount of 100 yen.

The calculation unit 15B may calculate the interest amount exceeding the handling fee and the number of days thereof. For example, in the above example, if you repay the full amount after 6 days, it will be 120 yen, if you repay the full amount after 7 days, it will be 140 yen, and if you repay the full amount after 8 days, it will be 160 yen, which is less than the handling fee. It may be calculated under unlimited conditions. This contributes to the presentation of a rational repayment method that suits the user's personal financial situation and payment situation by presenting more repayment method options to the user. For example, if the account balance is 50110 yen, there is a withdrawal of 10800 yen in another transaction 3 days later, and there is a user who refrains from payroll transfer to the ordinary account 8 days later, the handling fee 108 for that user. Rather than borrowing 50,000 yen for less than yen, it is more convenient to make a transfer on the day when the interest amount of 160 yen, which exceeds the handling fee after 8 days, is incurred, considering the withdrawal of other transactions. In that case, it is convenient to calculate until one month after the borrowing date, because in many cases, a day with regular income such as a payday is included. In this way, the calculation unit 15B may also calculate the number of days in which the daily interest amount exceeds the handling fee and present it to the user. The display unit 54 that displays information such as borrowing interest can distinguish between the repayment date when the total interest calculated by the calculation unit 15B is less than the handling fee and the repayment date exceeding the handling fee. For example, by displaying the background color of the button and the interest amount in different colors, the user can visually distinguish between the repayment date that is less than the fee and the repayment date that is more than the fee.

[2.2. Transaction processing system operation example]
Next, with reference to FIG. 9, a main operation example of the transaction processing system according to the second embodiment will be described. FIG. 9 is a diagram showing an example of a processing flow of a transaction processing system including the calculation unit 15B according to the second embodiment. The same as the processing flow according to the first embodiment will be omitted.

First, reading the card information of the cash card (STEP201), generating the transaction message according to the user operation, sending to the host computer 10 (STEP202), receiving the transaction message (STEP203), the account number, the password, and the withdrawal. A check (STEP204) is performed to see if the total amount of the amount and the handling fee is within the account balance. Up to this point, the operation is the same as that of STEP 1 to STEP 4 of Example 1. Example 1 when the received account number and PIN match those stored in the user database 13 and the total amount of the withdrawal amount and the handling fee is within the account balance (STEP204: check result OK). Similarly, the loan account information is checked (STEP206). As a result of checking whether there is a loan account and whether the withdrawal amount is within the borrowing limit, if there is a loan account, the withdrawal amount is within the borrowing limit, and the full amount is repaid the next day, the interest on the loan When the amount does not exceed the handling fee (STEP206: check result OK), the judgment unit 17 determines that the user should be informed of the loan borrowing, and proceeds to STEP211. Specifically, when there is a loan account and the withdrawal amount is within the borrowing limit, the handling fee information stored in the storage unit 19 and the interest amount calculated by the calculation unit 15B are used to inform the user from the loan account. The determination unit 17 determines whether or not to guide the borrowing. The calculation unit 15B calculates the daily interest starting from the next day, the number of days when the total daily interest is less than the handling fee, and the amount of interest according to the number of days (including the next day = 1 day). In this example, the judgment unit 17 inquires that a loan account exists, that the withdrawal amount of 50,000 yen is within the borrowing limit, and that the handling fee is 108 yen from the transaction time, and the next day. Since the interest of 20 yen is less than the handling fee, it is judged that the user should be informed of the loan borrowing. When the judgment unit 17 determines that the loan borrowing should be guided to the user, the handling fee information, the daily interest amount information calculated by the calculation unit 15B starting from the next day, and the loan borrowing guidance information (loan borrowing) (Instruction information for recommending to the user) is transmitted to the transaction device 50.

When the transaction device 50 receives the fee information, the daily interest amount information starting from the next day, and the loan borrowing guidance information (STEP211), the loan borrowing guidance image generated by the image generation unit 61 (FIG. 7). (See) is displayed on the display unit 54 (STEP212). At this time, in order to attract the attention of the user, it may also be displayed that a repayment date other than the next day can be specified. When the user selects the button for switching to the loan of the loan account (corresponding to the button 705 in FIG. 7), the content confirmation / repayment date selection image shown in FIG. 10 is displayed on the display unit 54 (STEP 213).
FIG. 10 is an example of a loan content confirmation / repayment date selection image. Content confirmation / repayment date selection image shows the borrowing details such as the borrowing amount and the interest on the loan when the full amount is repaid the next day, the message "automatic transfer from ordinary account" and the repayment reservation date (automatic transfer date). Contents 1001, a list of selectable repayment reservation dates 1002 corresponding to the number of days such as interest on borrowing when the full amount is repaid two days after the next day and thereafter, an execution instruction reception button 1003 to accept execution instructions for borrowing transactions, and cancellation to cancel the transaction. It consists of buttons 1004. If the user wishes to have a repayment date other than the next day, he / she can select the desired repayment reservation date from the list of repayment reservation dates 1002. The details of the borrowing, the message "Automatic transfer from ordinary account" and the repayment reservation date (automatic transfer date) are displayed. When the user presses the execution instruction reception button 1003, the loan borrowing processing unit 63 transmits a loan borrowing transaction message of the loan borrowing execution request with the selected repayment date as the transfer repayment date to the host computer 10.

For example, if the user selects "repayment (transfer) date: June 9, interest on borrowing: 60 yen, total repayment amount: 50060 yen" from the list of repayment reservation dates 1002 shown in FIG. , "Repayment (transfer) date: June 9, interest on borrowing: 60 yen, total repayment amount: 50060 yen" is displayed in the repayment content 1001. Even if the borrowed content such as interest borrowed when the full amount is repaid the next day, which was displayed in the repayment content 1001 before the user selects it, moves to the repayment reservation date list 1002 at the same time as the user's selection input. good. That is, the content displayed in the repayment content 1001 before the selection and the content selected from the repayment reservation date list 1002 may be displayed in place of each other. The processing of the host computer 10 (STEP214, STEP215) and the processing of the transaction device 50 (STEP216) after the user selects the execution instruction reception button 1003 are the same as those in the first embodiment.

<2-2. Summary of the second embodiment>
As described above, according to the present embodiment, in addition to the effect of the first embodiment, the interest in the case of borrowing a loan can be presented to the user for multiple repayment dates starting from the next day and can be selected. Therefore, the user can select the repayment date that suits his / her convenience from the multiple repayment dates. This makes it possible to repay the loan at a more appropriate timing for the user.

<3-1. Third Embodiment>
The third embodiment relates to the installment repayment of a loan loan. The operation of the calculation unit is different from the first embodiment and the second embodiment. Hereinafter, operations different from those of the first embodiment and the second embodiment will be mainly described.
[3.1. Transaction processing system configuration example]
<Device configuration>
First, the calculation unit according to the third embodiment of the present invention is referred to as the calculation unit 15C, and an operation example of the calculation unit 15C will be described. The schematic configuration of the transaction processing system according to the third embodiment of the present invention is the same as the configuration according to the first embodiment. The description of the same configuration will be omitted. Further, the user database 13 holds the same information as in the first embodiment, but in the third embodiment, the withdrawal amount and the transaction time are assumed as follows.
・ Withdrawal amount: 10,000 yen ・ Transaction time: Sunday, June 6, 9:00

The calculation unit 15C calculates the interest amount when the user selects the installment repayment. Specifically, the amount to be repaid by the user in the first installment repayment is subtracted from the borrowing amount to obtain the borrowing balance, and the borrowing balance is multiplied by the borrowing interest rate to obtain the interest amount from the day after the day when the first repayment reservation is made. calculate. In the above example, if the user uses the loan and repays the entire amount the next day, the interest amount is 4 yen. In other words, interest of 4 yen will be accrued every day starting from the next day. If the user selects the first installment repayment on June 9, three days later, the interest amount for three days will be added to the borrowing amount of 10,000 yen at this point, and the total amount of the borrowing amount and the borrowing interest will be 10012. It becomes a circle. If the user inputs the first installment repayment amount, for example, if the installment repayment amount on June 9 is 5000 yen, the target of the next second installment repayment will be 5012 yen, which is 10012 yen minus 5000 yen. .. Here, the calculation unit 15C calculates the interest amount after June 9. That is, the calculation unit 15C calculates the borrowing interest generated from June 10th, the day after June 9th, which is the day when the first repayment reservation is made, based on the borrowing balance and the borrowing interest rate. The calculation unit 15C multiplies the loan balance of 5012 yen by the interest rate of 15% and divides by 365, which is the number of days in one year. The amount of interest after June 10 is 2 yen. According to the calculation of the calculation unit 15C, the interest amount after the day after the first repayment reservation, that is, the interest of 2 yen will be accrued every day starting from the day after June 9th when the first installment repayment reservation was made. Become.

Similar to the calculation unit 15B, the calculation unit 15C calculates the number of days when the interest amount is less than the handling fee, and in the example of the first embodiment, the maximum number of days when the total interest amount is less than 108 yen. Since the handling fee is 108 yen and the interest amount per day for the first installment repayment is 4 yen, the interest amount per day is 26 days (X x 4 <108, X is a natural number) starting from the next day. If you repay the interest amount and the borrowing amount in full, you can borrow with the interest amount less than 108 yen of the handling fee. After calculating the daily interest amount for the second installment repayment, if the interest amount and the borrowing amount are fully repaid with the day after the first installment repayment reservation as the starting date, the interest for the first installment repayment will be paid. Calculate whether it is less than the handling fee minus the amount. If the installment repayment amount on June 9 is 5000 yen, the interest amount up to that point is 12 yen, and 12 yen is subtracted from the handling fee of 108 yen, and the total interest amount for the second installment repayment is total. If is less than 96 yen, the total handling fee will be less than 108 yen. Therefore, the calculation unit 15C determines that the second installment repayment is the interest amount and the remaining borrowing amount during the period of 47 days (X × 2 <96, X is a natural number) starting from the day after the first installment repayment reservation is made. If you repay the full amount, you can borrow with an interest amount of less than 108 yen as a handling fee. The calculation unit 15C repeats the calculation according to the installment repayment amount input by the user.

[3.2. Transaction processing system operation example]
Next, with reference to FIG. 11, a main operation example of the transaction processing system according to the third embodiment will be described. FIG. 11 is a diagram showing an example of a processing flow of a transaction processing system including the calculation unit 15C according to the third embodiment. The same as the processing flow according to the first embodiment will be omitted.

As shown in FIG. 11, reading card information of a cash card (STEP301), generating a transaction message according to a user operation, transmitting to the host computer 10 (STEP302), and an account number from receiving a transaction message (STEP303). A check (STEP304) is performed to see if the total amount of the PIN, withdrawal amount and handling fee is within the account balance. Up to this point, the operation is the same as that of STEP 1 to STEP 4 of Example 1. Example 1 when the received account number and PIN match those stored in the user database 13 and the total amount of the withdrawal amount and the handling fee is within the account balance (STEP304: check result OK). Similarly, the loan account information is checked (STEP306). As a result of checking whether there is a loan account and whether the withdrawal amount is within the borrowing limit, if there is a loan account, the withdrawal amount is within the borrowing limit, and the full amount is repaid the next day, the interest on the loan When the amount does not exceed the handling fee (STEP 306: check result OK), the judgment unit 17 determines that the user should be informed of the loan borrowing, and proceeds to STEP 311. Specifically, when there is a loan account and the withdrawal amount is within the borrowing limit, the user can borrow from the loan account from the fee information stored in the storage unit 19 and the interest amount calculated by the calculation unit 15C. It is determined by the determination unit 17 whether or not to guide. Specifically, the calculation unit 15C calculates the daily interest starting from the next day, the number of days when the total daily interest is less than the handling fee, and the amount of interest according to the number of days (including the next day = 1 day). .. In this example, the judgment unit 17 inquires that a loan account exists, that the withdrawal amount of 10,000 yen is within the borrowing limit, and that the handling fee is 108 yen from the transaction time, and the next day. Since the interest of 4 yen is less than the handling fee, it is judged that the user should be informed of the loan borrowing. When the judgment unit 17 determines that the loan borrowing should be guided to the user, the handling fee information, the daily interest amount information calculated by the calculation unit 15C starting from the next day, and the loan borrowing guidance information (loan borrowing) (Instruction information for recommending to the user) is transmitted to the transaction device 50.

When the transaction device 50 receives the fee information, the daily interest amount information starting from the next day, and the loan borrowing guidance information (STEP311), the image generation unit 61 displays the loan borrowing guidance image (Similar to the first embodiment). (See FIG. 7) is displayed on the display unit 54 (STEP 312). In the case of this embodiment, the withdrawal amount of 10,000 yen, the fee of 108 yen, and the total amount of 10108 yen for withdrawal (withdrawal) from the ordinary account, the borrowing amount of 10,000 yen when the loan is borrowed and the full amount is repaid the next day, and the interest on the loan. 4 yen and a total amount of 1004 yen are displayed on the display unit 54. When the user selects the button to switch to borrowing the loan account, the content confirmation image shown in FIG. 12 is displayed on the display unit 54 (STEP 313). The content confirmation image in Fig. 12 shows the borrowing amount and interest when the full amount is repaid the next day, the message "automatic transfer from ordinary account", the repayment content 1201 such as the repayment reservation date (automatic transfer date), and the borrowing transaction. It is composed of an execution instruction reception button 1202 for receiving an execution instruction, a cancellation button 1203 for canceling a transaction, and a split repayment switching instruction reception button 1204 for switching to a partial repayment. When the user selects the split repayment switching instruction reception button 1204, the guide image for the split repayment shown in FIG. 13 is displayed on the display unit 54 (STEP 314). The guide image for the split repayment in FIG. 13 is switched to the split number input field 1301, the split repayment amount input field 1302, the repayment date and interest amount list 1303 calculated by the calculation unit 15C, the borrowing balance display field 1304, and the split repayment. It consists of a button 1305 that displays the previous image and a cancel button 1306 that cancels the transaction. The user inputs the number of divisions and the amount of repayment in installments by operating the input reception unit 53. When the first installment repayment amount is input by the user and the first installment repayment scheduled date is selected, the loan transaction message of the installment repayment amount information and the reservation date information is sent to the host computer by the loan borrowing processing unit 63. The period during which the total amount of interest generated by the second installment repayment of the loan balance and the interest amount starting from the day after the first installment repayment reservation date, which is sent to 10 and is calculated by the calculation unit 15C, is less than the handling fee. , The daily interest amount for the period is calculated (STEP 315, 316) and transmitted to the trading device 50.

The guide image for installment repayment in FIG. 13 is composed of a list of daily interest amounts starting from the day (June 7) following the borrowing date (June 6) calculated by the calculation unit 15C, and is composed of "June." Information such as "7th, borrowing interest 4 yen", "June 8th, borrowing interest 8 yen", "June 9, borrowing interest 12 yen", etc. will be described. Then, the daily interest amount is listed from the borrowing date to 26 days ahead of the maximum number of days when the total interest amount is less than 108 yen. The image shown in FIG. 13 is an image before the user inputs the number of divisions and the amount of repayment in installments. FIG. 14 is a diagram showing a state in which the number of divisions and the amount of divisional repayment are input by the user's operation with respect to the guidance image of the divisional repayment of FIG. In the case of FIG. 14, it means that the user has input the number of divisions “2 times” and the first installment repayment amount “5000 yen”. Next, the user selects the first repayment reservation date. For example, if the user selects the first installment repayment on June 9, three days after the borrowing date, interest of 12 yen will be accrued, and the first from the total amount of the borrowing amount and the interest amount of 10012 yen. The loan balance of 5012 yen, which is obtained by subtracting the installment repayment amount of 5000 yen, is displayed on the display unit 54. Note that FIG. 14 displays a button 1401 that advances to a screen for inputting the content of the next installment repayment (for example, the second installment repayment) with the input operation of the user.

When the number of divisions, the first repayment amount, the first repayment reservation date are input by the user's operation, and the button 1401 for advancing to the screen for inputting the contents of the next division repayment is selected, the transaction device 50 is set. , The number of divisions, the first repayment amount, the loan balance, and the first repayment reservation date are transmitted to the host computer 10. When the host computer 10 receives these (STEP 315), the calculation unit 15C is the total amount of the interest amount generated in the second installment repayment based on the loan balance and the interest amount starting from the day after the first installment repayment reservation date. Is less than the handling fee and the daily interest amount for that period is calculated (STEP 316). In this example, the calculation unit 15C has the interest amount of 2 yen, which is obtained by multiplying the loan balance of 5012 yen by the interest rate of 15% and dividing by 365, which is the number of days in one year, and June, which is the first repayment reservation date. The amount of interest on a daily loan for the period up to 47 days ahead of the maximum number of days when the total amount of interest from the day after the 9th is less than 96 yen is calculated. Then, the information on the amount of interest (interest amount of 2 yen) generated from the day after the first repayment reservation date to the trading device 50 and the daily period up to 47 days ahead starting from the day after the first repayment reservation date. Information on the amount of interest is sent.

Next, the daily interest amount for the period up to 47 days ahead starting from the day following the first repayment reservation date is displayed on the display unit 54 (STEP 317). FIG. 15 is an example of an image displayed on the display unit 54 at this time. FIG. 15 is composed of a list of daily interest amounts 1501 starting from June 10, which is the day after June 9, which is the day after the user selects the first installment repayment. Information such as "interest 2 yen", "June 11, borrowed interest 4 yen", "June 12, borrowed interest 6 yen" is described. Information on the total amount of the loan balance of 5012 yen and the daily interest amount is also described. Further, in this example, the number of splits is two, and the second split repayment is the final repayment. Therefore, the final split repayment amount is determined by the repayment reservation date selected by the user. For example, when the user selects the second installment repayment as June 14, 5022 yen, which is the final installment repayment amount, is automatically displayed in the installment repayment amount display field 1502 as shown in FIG. FIG. 16 is a diagram showing a state in which the last installment repayment date is input by the user's operation. In FIG. 16, a button 1601 for advancing to the screen for confirming the content of the installment repayment is displayed with the input operation of the user.

On the other hand, if the second installment repayment is not the last repayment (when the number of installments is 3 or more), the user selects the button to proceed to the screen for inputting the content of the next installment repayment. The same image as is displayed, and the user selects the second installment repayment amount and the repayment reservation date. As a result, the loan borrowing processing unit 63 transmits the second repayment amount, the loan balance, and the second repayment reservation date to the host computer 10. When the host computer 10 receives these (STEP 315), the calculation unit 15C is the total amount of the interest amount generated in the second installment repayment based on the loan balance and the interest amount starting from the day after the first installment repayment reservation date. Is less than the handling fee and the daily interest amount for that period is calculated (STEP 316). After that, STEP 317, 315, and 316 are repeated until the final number of divisions input in STEP 314 is reached.

When the user selects the button 1601 to proceed to the screen for confirming the content of the installment repayment in FIG. 16, the borrowing amount as shown in FIG. 17, each selected installment repayment date, and the total amount of interest on the loan are described. The image is displayed on the display unit 54 (STEP 318). FIG. 17 is an example of an image for confirming the content of the installment repayment. FIG. 17 shows the borrowing details such as the borrowing amount, the repayment date selected by the user, the interest amount, the total amount of the borrowing amount and the interest amount, and the message "automatic transfer from the ordinary account" and the repayment reservation date (automatic transfer). It is composed of a repayment content 1701 such as (day), an execution instruction acceptance button 1702 for accepting an execution instruction for a borrowing transaction, and a cancellation button 1703 for canceling the transaction. When the execution instruction reception button 1702 is pressed by the user, an execution request for a borrowing transaction with each selected split repayment date as the repayment reservation date is transmitted to the host computer 10. Subsequent processes of STEP 319 and STEP 320 in the host computer 10 and STEP 321 for the transaction device 50 are the same as the operations of STEP 14 to STEP 16 of the first embodiment.

<3-2. Summary of the third embodiment>
As described above, according to the present embodiment, in addition to the effects of the first and second embodiments, the user can select the reservation date for the loan installment repayment, so that the loan can be borrowed at an appropriate timing for the user. You can make a repayment. As a result, in the above-mentioned example in the present embodiment, if the balance is scheduled to be withdrawn to about 5,000 yen on June 8, the minimum repayment will be made with the amount remaining in the account after the withdrawal. By doing this, it is possible to reduce the amount of interest thereafter and make a reservation for the remaining repayment the day after the payroll transfer date.

<4-1. Fourth Embodiment>
In the fourth embodiment, when the total amount of the entered withdrawal amount and the handling fee is not within the account balance, the user can borrow within the account balance instead of notifying the user that the loan cannot be used. Guidance on the use of various loan accounts. Hereinafter, operations different from those of the first to third embodiments will be mainly described.
[4.1. Transaction processing system configuration example]
<Device configuration>
First, the calculation unit according to the fourth embodiment of the present invention is referred to as the calculation unit 15D, and an operation example of the calculation unit 15D will be described. The schematic configuration of the transaction processing system according to the fourth embodiment of the present invention is the same as the configuration according to the first embodiment. The description of the same configuration will be omitted. Further, the user database 13 holds the following information different from that of the first embodiment, and the withdrawal amount and the transaction time will be described as being the same.
・ Ordinary account number: 1111111
・ Store number: 123
・ PIN: 7777
・ Ordinary account balance: 50060 yen ・ Loan account presence / absence: 1 (Yes)
・ Borrowing limit: 10,000 yen or more and 100,000 yen or less ・ Borrowing interest rate: 15% per annum
In addition, the following explanation will be given on the assumption that the user will process the withdrawal at the following withdrawal amount and transaction time.
・ Withdrawal amount: 50,000 yen ・ Transaction time: Sunday, June 6, 9:00

As a result of checking whether the total amount of the received withdrawal amount and the handling fee is within the account balance held in the user database 13, the account information inquiry unit 14 of the host computer 10 that received the transaction message has checked. When the total amount of the withdrawal amount and the handling fee is not within the account balance (insufficient balance), the calculation unit 15D calculates the interest amount such that the total of the withdrawal amount and the interest amount is within the account balance. Specifically, when it is determined from the inquiry result of the account information inquiry unit 14 that the total amount of the withdrawal amount and the handling fee entered by the user is equal to or more than the account balance, the calculation unit 15D will withdraw. Calculate the interest on borrowing if the full amount is repaid the next day based on the amount and interest rate on borrowing. The interest amount in this embodiment is calculated to be 20 yen per day as in Example 1. Next, the calculation unit 15D refers to the account balance and the handling fee, and the total amount of the interest amount and the borrowing amount starting from the day after the borrowing date is within the account balance, and the interest amount starting from the day after the borrowing date. Calculate the number of days when the total of is less than the handling fee. In this example, since the account balance is 50060 yen and the withdrawal amount is 50,000 yen, if the total interest amount is 60 yen or less, it is within the account balance. In this example, the interest amount is 20 yen per day, so the total interest amount is 60 yen or less when the interest amount is 20 yen on the next day starting from the day after the borrowing date and two days later. The interest amount is 40 yen and the interest amount after 3 days is 60 yen.

Next, when the judgment unit 17 determines that the total amount of interest and borrowing amount per day when the user borrows a loan is within the account balance and the interest amount on the next day is less than the handling fee, it is used. Judging that the loan should be guided to the person, the handling fee information, the daily interest amount information for the number of days starting from the next day calculated by the calculation unit 15D, and the loan borrowing guidance information (loan borrowing is used) Information that is useful to the person) is transmitted to the trading device 50.

[4.2. Transaction processing system operation example]
Next, with reference to FIG. 18, a main operation example of the transaction processing system according to the fourth embodiment will be described. FIG. 18 is a diagram showing an example of a processing flow of a transaction processing system including the calculation unit 15D according to the fourth embodiment. The same as the processing flow according to the first embodiment will be omitted.

As shown in FIG. 18, reading of card information of a cash card (STEP401), generation of a transaction message according to a user operation, transmission to the host computer 10 (STEP402), and reception of a transaction message (STEP403) are performed. Up to this point, the operation is the same as that of STEP 1 to STEP 3 of Example 1. Next, the account information inquiry unit 14 refers to the user database 13 using the received account number as a key, and checks whether or not the received password and the password held by the user database 13 match. .. When the passwords match, the host computer 10 validates the transaction and then checks whether the total amount of the received withdrawal amount and handling fee is within the account balance held in the user database 13. (STEP404). Here, in the case of the first embodiment, when the withdrawal amount is not within the account balance, the information of the unavailability is transmitted to the transaction device 50, but in the case of the fourth embodiment, the reason for the unavailability is confirmed by the host computer 10. do. If the reason for not being available is insufficient account balance (the total amount of withdrawal amount and handling fee is less than the account balance) and the account balance itself is more than the withdrawal amount, check the loan account information (STEP406). ). The host computer 10 checks whether there is a loan account corresponding to the account number and whether the withdrawal amount is within the borrowing limit, and as a result of the check, there is a loan account and the withdrawal amount is within the borrowing limit. If the amount of interest on the loan does not exceed the handling fee when the full amount is repaid the next day, and the total of the withdrawal amount and the interest amount is within the account balance (STEP406: check result OK), the judgment unit 17 tells the user. It is judged that the loan borrowing should be guided, and the process proceeds to STEP 407. In this example, the judgment unit 17 has an inquiry result that a loan account exists, that the withdrawal amount of 50,000 yen is within the borrowing limit, and that the handling fee is 108 yen from the transaction time. Since the interest on the loan on the next day is less than the handling fee and the total amount of the interest amount and the withdrawal amount is within the account balance, it is judged that the loan borrowing should be guided to the user. For the interest borrowed on the next day, the calculation unit 15D calculates the interest amount within the balance of the user's account. When the judgment unit 17 determines that the loan should be guided to the user, the host computer 10 informs the user of the handling fee, the daily interest amount calculated by the calculation unit 15D starting from the next day, and the interest on the loan and the loan. Information on the number of days when the total amount is less than the account balance and loan borrowing guidance information (information that loan borrowing is more useful to the user) are transmitted to the transaction device 50.

On the other hand, if the reason for the unavailability is other than insufficient account balance (STEP406: check result NG), the host computer 10 sends a message to that effect to the transaction device 50, and "unusable (password is different)" to the display unit 54. , Etc.) ”is displayed (STEP 405). For example, if the loan account does not exist, or if the total amount of interest and borrowing exceeds the account balance, the process proceeds to STEP405 and the loan cannot be used.

When the transaction device 50 receives the fee information, the information on the daily interest amount starting from the next day, the information on the number of days when the total of the borrowed interest and the borrowed amount is less than the account balance, and the loan borrowing guidance information (STEP 407). , The guidance image of the loan borrowing generated by the image generation unit 61 is displayed on the display unit 54 (STEP 408). FIG. 19 is an example of a guidance image of loan borrowing. The loan guidance image is a message 1901, which guides loan borrowing, such as "The account balance is insufficient. In the case of loan borrowing, you can withdraw with the current account balance." It consists of a total amount of money 1902 when withdrawing from the account, a total amount of money 1903 when the loan from the loan account is fully repaid the next day, a cancellation button 1904 to cancel the transaction, and a button 1905 to switch to the loan account. When the user selects the button 1905 for switching to the loan of the loan account, the content confirmation / repayment date selection image shown in FIG. 20 is displayed on the display unit 54 (STEP409). FIG. 20 is an example of an image for confirming the contents of a loan and selecting a repayment date. Content confirmation / repayment date selection image shows the borrowing details such as the borrowing amount and the interest on the loan when the full amount is repaid the next day, the message "Automatic transfer from ordinary account" and the repayment reservation date (automatic transfer date). Contents 2001, List of selectable borrowing amount and borrowing interest corresponding to the number of days within the account balance such as borrowing amount and borrowing interest when the full amount is repaid the day after next 2002, and the execution instruction acceptance button to accept the execution instruction of the borrowing transaction 2003, it consists of a cancel button 2004 to cancel the transaction. When the user selects the execution instruction reception button 2003, the loan borrowing processing unit 63 transmits the transfer repayment date and the loan loan transaction message of the loan borrowing execution request to the host computer 10.

For example, if the user selects "repayment (transfer) date: June 9, interest on borrowing: 60 yen, total repayment amount: 50060 yen" from the list of repayment reservation dates shown in FIG. 20. , "Repayment (transfer) date: June 9, interest on borrowing: 60 yen, total repayment amount: 50060 yen" is displayed in the repayment content 1001. The processing of the host computer 10 (STEP410, STEP411) and the processing of the transaction device 50 (STEP412) after the user presses the execution instruction reception button 2003 are the same as those of STEP14 to STEP16 of the first embodiment.

<4-2. Summary of the fourth embodiment>
As described above, according to this embodiment, even if the total amount of withdrawal amount and handling fee exceeds the deposit balance and cannot be withdrawn from the ordinary account, the total amount of withdrawal amount and interest on borrowing By presenting the repayment date within the account balance and the amount of interest borrowed to the user, the user can select the reservation date according to the repayment content within the range within the current account balance. As a result, the loan can be repaid at an appropriate timing that is convenient for the user.

<5. Conclusion>
Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person having ordinary knowledge in the field of technology to which the present invention belongs can come up with various modifications or modifications within the scope of the technical ideas described in the claims. , These are also naturally understood to belong to the technical scope of the present invention.

Further, the steps shown in the flowchart of the above embodiment are executed in parallel or individually, not only in the processing performed in chronological order according to the described order, but also in the processing not necessarily in chronological order. Also includes processing to be done. Needless to say, even in the steps processed in chronological order, the order can be changed as appropriate in some cases.

50 Transaction device 10 Information processing device In-line network 15 Calculation unit 54 Display unit 13 User database 11, 51 CPU

Claims (12)

In a transaction processing device that conducts transactions involving cash deposits and withdrawals
Withdrawal transaction information acquisition department that acquires withdrawal transaction information including handling fee information generated in withdrawal transactions based on the withdrawal amount information entered by the user in the transaction processing device. ,
The borrowing information acquisition department that acquires the borrowing interest rate information when the user borrows as a loan transaction,
The interest paid on one or more repayment dates including the day after the borrowing date, which is generated when the user borrows the withdrawal amount in the treatment of a loan transaction, is obtained from the withdrawal amount information and the borrowing interest rate information. The calculation unit to calculate,
A judgment unit that compares the handling fee with the interest expense and determines that it is possible to guide the user to borrow the loan when there is a repayment date that is lower than the handling fee.
A display unit that displays a repayment date of interest expense lower than the handling fee, the interest expense, and a borrowing guide image including an instruction reception unit that accepts an instruction to select the repayment date.
The loan borrowing processing department that makes a repayment reservation with the repayment date specified in the selection as the scheduled repayment date, and
Equipped with
The withdrawal transaction information acquisition unit acquires the account balance information of the user, and obtains the account balance information of the user.
The determination unit compares the withdrawal amount, the total of the handling fees and the account balance, the total amount of the withdrawal amount and the handling fee exceeds the account balance, and the total of the withdrawal amount and the interest expense. A transaction processing device that determines that it is possible to guide users to borrow with a loan when the amount is less than or equal to the account balance. The transaction processing device according to claim 1, wherein the display unit displays an image in which the date on the day following the borrowing date when the user borrows with a loan and the interest expense accrued on the next day are associated with each other. .. The display unit associates a plurality of selectable repayment date dates starting from the day following the borrowing date when the user borrows with a loan with the interest expense on the plurality of repayment dates. The transaction processing apparatus according to any one of claims 1 and 2, which displays an image. The display unit includes a split loan repayment receiving unit that accepts repayment of a loan in installments when the user borrows with a loan, a plurality of repayment dates starting from the day following the borrowing date, and the plurality of repayments. An image associated with the interest expense on the day is associated with a plurality of loan repayment dates starting from the day following the repayment date selected by the user from the repayment date, and the interest expense on the plurality of repayment dates. The transaction processing apparatus according to claim 3, which displays an image. The calculation unit according to claim 1, wherein the calculation unit calculates interest expense on a daily basis starting from the day after the transaction date when the user borrows with a loan from the withdrawal amount information and the borrowing interest rate information. Transaction processing device. The calculation unit sets the day after the repayment date as the starting date from the sum of the withdrawal amount and the interest expense accrued up to the repayment date minus the amount to be repaid on the repayment date and the borrowing interest rate information. The transaction processing apparatus according to claim 5, which calculates interest expense on a daily basis. The calculation unit calculates the number of days when the total interest expense after the lapse of a predetermined number of days is less than the handling fee, with the day after the borrowing date when the user borrows with a loan as the starting date.
The display unit displays an image in which the date of the repayment date in the period from the borrowing date to the number of days when the user borrows with a loan and the interest expense accrued on the repayment date are associated with each other. The transaction processing apparatus according to any one of 6 to 6. The transaction processing device according to claim 7, wherein the display unit displays an image in which the date of the repayment date exceeding the period and the interest expense accrued on the repayment date are associated with each other. The calculation unit calculates the number of days when the total of the interest expense and the withdrawal amount on a daily basis starting from the day after the borrowing date when the user borrows with a loan is equal to or less than the account balance.
The display unit displays an image in which the repayment date of the period between the borrowing date and the number of days when the user borrows with a loan and the interest expense accrued by the repayment date are associated with each other. , The transaction processing apparatus according to claim 1. In a transaction processing system that carries out transactions involving cash deposits and withdrawals
Withdrawal transaction information acquisition department that acquires withdrawal transaction information including handling fee information generated in withdrawal transactions based on the withdrawal amount information entered by the user in the transaction processing device. ,
The borrowing information acquisition department that acquires the borrowing interest rate information when the user borrows as a loan transaction,
The interest paid on one or more repayment dates including the day after the borrowing date, which is generated when the user borrows the withdrawal amount in the treatment of a loan transaction, is obtained from the withdrawal amount information and the borrowing interest rate information. The calculation unit to calculate,
A judgment unit that compares the handling fee with the interest expense and determines that it is possible to guide the user to borrow the loan when there is a repayment date that is lower than the handling fee.
A display unit that displays a repayment date of interest expense lower than the handling fee, the interest expense, and a borrowing guide image including an instruction reception unit that accepts an instruction to select the repayment date.
The loan borrowing processing department that makes a repayment reservation with the repayment date specified in the selection as the scheduled repayment date, and
Equipped with
The withdrawal transaction information acquisition unit acquires the account balance information of the user, and obtains the account balance information of the user.
The determination unit compares the withdrawal amount, the total of the handling fees and the account balance, the total amount of the withdrawal amount and the handling fee exceeds the account balance, and the total of the withdrawal amount and the interest expense. A transaction processing system that determines that it is possible to guide users to borrow with a loan when the amount is less than or equal to the account balance. Computer,
Withdrawal transaction information acquisition department that acquires withdrawal transaction information including handling fee information generated in withdrawal transactions based on the withdrawal amount information entered by the user in the transaction processing device. ,
The borrowing information acquisition department that acquires the borrowing interest rate information when the user borrows as a loan transaction,
The interest paid on one or more repayment dates including the day after the borrowing date, which is generated when the user borrows the withdrawal amount in the treatment of a loan transaction, is obtained from the withdrawal amount information and the borrowing interest rate information. The calculation unit to calculate,
A judgment unit that compares the handling fee with the interest expense and determines that it is possible to guide the user to borrow the loan when there is a repayment date that is lower than the handling fee.
A display unit that displays a repayment date of interest expense lower than the handling fee, the interest expense, and a borrowing guide image including an instruction reception unit that accepts an instruction to select the repayment date.
The loan borrowing processing department that makes a repayment reservation with the repayment date specified in the selection as the scheduled repayment date, and
Equipped with
The withdrawal transaction information acquisition unit acquires the account balance information of the user, and obtains the account balance information of the user.
The determination unit compares the withdrawal amount, the total of the handling fees and the account balance, the total amount of the withdrawal amount and the handling fee exceeds the account balance, and the total of the withdrawal amount and the interest expense. A program to function as a transaction processing device that determines that it is possible to guide users to borrow with a loan when the amount is less than or equal to the account balance. The computer
Withdrawal amount information entered by the user in the transaction processing device, handling fee information generated in the withdrawal transaction based on the entered withdrawal amount information, and withdrawal transaction information including the user's account balance information. To get and
Obtaining borrowing interest rate information when the user borrows as a loan transaction,
The interest paid on one or more repayment dates including the day after the borrowing date, which is generated when the user borrows the withdrawal amount in the treatment of a loan transaction, is obtained from the withdrawal amount information and the borrowing interest rate information. To calculate and
The handling fee is compared with the interest paid, and there is a repayment date that is lower than the handling fee. The withdrawal amount, the total of the handling fees and the account balance are compared, and the withdrawal amount and the handling fee are compared. When the total amount of money exceeds the account balance and the total amount of the withdrawal amount and the interest expense is less than or equal to the account balance, it is judged that it is possible to guide the user to borrow with a loan.
Displaying the repayment date of interest expense lower than the handling fee, the interest expense, and the borrowing guide image including the instruction reception unit that accepts the selection instruction of the repayment date.
A transaction processing method including making a repayment reservation with the repayment date specified in the selection as the scheduled repayment date.

Images