JP7095187B1 - Server, program, information processing method - Google Patents

Abstract

Improve the convenience of refinancing. A server that communicates with a user's terminal includes: a communication unit that receives from the terminal first information including information on money borrowed by the user from a first company; and a control unit that acquires first interest rate information including information of, the control unit performs payment processing for paying money to the first company based on the first information, and performs payment processing for paying money to the first company based on the payment processing. control to acquire second interest rate information including interest rate information related to refinancing. [Selection drawing] Fig. 1-1

Description

The present disclosure relates to servers, programs, information processing methods, terminals, etc.

There is a technique for notifying the repayment deadline of a loan lent by a financial institution such as consumer finance (for example, Patent Document 1).

Japanese Unexamined Patent Publication No. 2008-305039

According to the first aspect of the present invention, the server communicating with the user's terminal is based on the communication unit that receives the first information including the information of money borrowed from the first company from the terminal and the first information. , A control unit that acquires first interest rate information including information on interest rates related to refinancing of money borrowed by the user, and the control unit performs payment processing to pay money to the first company based on the first information and pays. Based on the processing, the control is performed to acquire the second interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user after the acquisition of the first interest rate information .
According to the second aspect of the present invention, the program executed by the server communicating with the user's terminal receives the first information including the information of money borrowed from the first company from the terminal by the communication unit of the server. Based on the first information, the first interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user is acquired by the control unit of the server, and the money is sent to the first company based on the first information. Payment processing is performed, and the control unit controls the acquisition of the second interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user after the acquisition of the first interest rate information based on the payment processing. Run by the server.
According to the third aspect of the present invention, the information processing method of the server communicating with the user's terminal is to receive the first information including the information of money borrowed from the first company from the terminal by the communication unit of the server. And, based on the first information, the first interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user is acquired by the control unit of the server, and the money is paid to the first company based on the first information. The payment processing is performed, and the control unit controls to acquire the second interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user after the acquisition of the first interest rate information based on the payment processing. ..

The figure which shows an example of the system configuration of the communication system which concerns on embodiment. The figure which shows an example of the function realized by the control part of the server which concerns on 1st Embodiment. The figure which shows an example of the information which is stored in the storage part of the server which concerns on 1st Embodiment. The figure which shows an example of the account registration data which concerns on 1st Example. The figure which shows an example of the account management database which concerns on 1st Example. The figure which shows an example of the function realized by the control part of the terminal which concerns on 1st Embodiment. The figure which shows an example of the information which is stored in the storage part of the terminal which concerns on 1st Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 1st Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 1st Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 1st Embodiment. The flowchart which shows an example of the flow of the process executed by each apparatus which concerns on 1st Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 2nd Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 2nd Embodiment. The flowchart which shows an example of the flow of the process executed by each apparatus which concerns on 2nd Embodiment. The figure which shows an example of the account management database which concerns on 3rd Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 3rd Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 3rd Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 4th Embodiment. The flowchart which shows an example of the flow of the process executed by each apparatus which concerns on 4th Embodiment. The flowchart which shows an example of the flow of the process executed by each apparatus which concerns on 4th Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 5th Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 6th Embodiment. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 6th Embodiment.

<Compliance with legal matters>
It should be noted that the disclosures described herein are subject to compliance with the legal matters of the implementing country necessary for the implementation of this disclosure, such as confidentiality of communications.

<Embodiment>
In the present specification, there is a section described as "as an example, not a limitation" for the sake of clarity, but the description is not limited to the entire description of the embodiments described below as well as the relevant section. Please note.

An embodiment for implementing the program and the like according to the present disclosure will be described with reference to the drawings.

The system is not limited, but may be configured by having a plurality of devices as an example.
The plurality of devices may be a combination of the same type of devices, a combination of different types of devices, or a combination of the same type of devices and different types of devices.
It should be noted that the system is not limited, but can be considered as an example, in which a plurality of devices collaborate to perform some processing.

Further, the system related to the client (client device) and the server is not limited, but can be considered as at least one of the following as an example.
(1) Terminal & Server (2) Server (3) Terminal

(1) is a system including at least one terminal and at least one server as an example without limitation. An example of this is a client-server system.

The server is not limited, but is composed of the following devices as an example, and may be a single device or a combination of a plurality of devices.

Specifically, the server is not limited, but as an example, at least one processor (as an example, not limited, CPU: Central Processing Unit, GPU: Graphics Processing Unit, APU: Accelerated Processing Unit, DSP: Digital Signal Processor (limited). Instead, as an example, it is configured to have any of ASIC: Application Specific Integrated Circuit, FPGA: Field Programmable Gate Array), computer equipment (processor + memory), control unit, arithmetic unit, processing unit, etc. A configuration having a plurality of the same type of one device (not limited to, as an example, CPU + CPU, homogenius multi-core processor, etc.), or a configuration having a plurality of different types of any one device (not limited to, as an example, CPU + DSP, heterogeneous multi-core processor, etc.) Etc.), or a combination of a plurality of devices (not limited to, for example, a processor + a computer device, a processor + a computing device, a heterogeneous version of a plurality of devices, etc.).
The processor may be a virtual processor.

Further, when some processing is executed by the server, if it is composed of a single device, the processing described in the embodiment is executed by the single device. Further, when the device is configured to have a plurality of devices, one device may execute some processes and the other device may execute the other processes. As an example without limitation, when the processor and the arithmetic unit are configured, the processor may execute the first process and the arithmetic unit may execute the second process.
Further, in the case of being configured by a plurality of devices, each device may be arranged and configured at a position physically separated from each other.

Further, the function of the server may be provided in the form of PaaS, IaaS, or SaaS in cloud computing as an example without limitation.

Further, the control unit of the system can be at least one of the control unit of the terminal and the control unit of the server. That is, as an example, not limited to, one of (1A) only the control unit of the terminal, (1B) only the control unit of the server, and (1C) both the control unit of the terminal and the control unit of the server can be used as a system. Can be the control unit of.

Further, the control and processing (hereinafter, collectively referred to as "control and the like") performed by the control unit of the system may be performed only by the control unit of the terminal (1A), or the control of the server (1B). It may be performed only by the unit, or may be performed by both the control unit of the terminal and the control unit of the server (1C).
Further, in (1C), as an example, the control unit of the terminal is used to perform some of the controls and the like controlled by the control unit of the system, and the control unit of the server is used to perform the remaining control and the like. You may do so. In this case, the allocation (allocation) of the control or the like may be equally divided, or may be allocated at different ratios instead of being equally divided.

Further, in the case of the communication unit of the server, when the server is composed of a single device, it may be the communication unit itself included in the single device. Further, when the server is configured to have a plurality of devices, the communication unit of the server may be configured to include each communication unit included in each device.
As an example, but not limited to, if the server comprises a first device and a second device, the first device has a first communication unit, and the second device has a second communication unit, the communication unit of the server is. The concept may include the first communication unit and the second communication unit.

(2) is not limited, but may be, as an example, a system composed of a plurality of servers (hereinafter, referred to as “server system”). In this case, the above-mentioned configuration can be similarly applied to the configuration of each server.

The control or the like performed by the server system may be performed by only one of the plurality of servers (2A), (2B) may be performed only by the other server, or (2C) one. This may be done by one of the servers and another server.
Further, in (2C), as an example, not limited to the control, one server may perform some of the controls performed by the server system, and the other server may perform the remaining controls. good. In this case, the allocation (allocation) of the control or the like may be equally divided, or may be allocated at different ratios instead of being equally divided.

(3) is not limited, but may be a system composed of a plurality of terminals as an example.
This system is not limited, but can be, as an example, the following system.
-A system that gives terminals the functions of a server (distributed system). This can be achieved using blockchain technology as an example, but not a limitation.
-A system in which terminals communicate wirelessly with each other. This is not limited, but can be realized by communicating by a P2P (peer-to-peer) method or the like using a short-range wireless communication technique such as Bluetooth (registered trademark) as an example.

The above is not limited to the control unit, but the same applies to each functional unit such as an input / output unit, a communication unit, a storage unit, and a clock unit that can be components of the system.

In the following embodiments, a system including a terminal and a server (a client-server system as an example, not a limitation) will be illustrated as an example, not a limitation.
It is also possible to apply the server system of (2) above as a server.

Further, instead of the system including the terminal and the server, it is also possible to apply the system not including the server, not limited to the system of the above (3) as an example.
The embodiment in this case can be configured based on the above-mentioned blockchain technology and the like. Specifically, as an example, not limited, the data stored and managed in the server described in the following embodiment is stored (stored) on the blockchain. Then, the terminal can generate a transaction to the blockchain, and when the transaction is approved on the blockchain, the data stored on the blockchain can be updated.

Even when expressed as a terminal, this is not limited to the meaning of a terminal as a client device in a client server.
That is, the terminal may include the concept of a device that is not in the client server.

Further, in the present specification, the expression "by communication I / F" is appropriately used. This is not limited to, but as an example, indicates that the device sends and receives various information and data via the communication I / F (via the communication unit) based on the control of the control unit (processor, etc.). May be acceptable.

In addition, the terms described as "related" and "related" in the present specification are not limited to the terms "B related to A" and "B related to A", but have some relation to "A" as an example. It may mean "B" having. A specific example of this will be described later.

Further, in the present specification, processing for two or more devices such as "transmitting A and B" and "receiving A and B" is referred to as "A". Including those in which "B" is performed at the same timing (hereinafter referred to as "simultaneous") and those in which "A" and "B" are performed at different timings (hereinafter referred to as "non-simultaneous"). It shall be good.
As an example, not a limitation, when the first information and the second information are transmitted, the timing of transmitting the first information and the second information at the same timing and the timing of the first information and the second information are staggered. It is permissible to include both the concepts of what is sent and what is sent.
In consideration of the lag (time lag), "simultaneous" may include "almost simultaneous".

It should be noted that even if "A" and "B" are performed at different timings, this may be performed only for "A" and "B", and the purpose is not necessarily the same. It does not have to be.
As an example, not a limitation, when the first information and the second information are transmitted as described above, it is only necessary to transmit the first information and the second information, and the first information and the second information have the same purpose. In addition to the case of transmitting and, the case of transmitting the first information and the second information for different purposes may be included.

In the following embodiment, a messaging service (Messaging Service) is exemplified as an example of a service for a user to chat (hereinafter, referred to as a “chat service”). Further, an application for realizing a chat service is referred to as a "chat application", and an application for realizing a messaging service is referred to as a "messaging application".
Chat applications can allow users to chat in a chat room, as an example, but not by limitation. Further, in the chat application, it is possible to make a call (voice call, video call, etc.) between users as an example without limitation.

The messaging service: MS (instant message service: including IMS) can also be considered as one form (one form) of the social networking service: SNS. Therefore, the messagen service and the social networking service may or may not be distinguished. That is, the social networking service may include the messaging service.

Further, in the following embodiment, as an example of a messaging service, an instant messaging service: IMS (Instant) that sends and receives content in the form of a simple message between a plurality of devices (not limited to, as an example, a terminal) via a server. Messaging Service) is illustrated.
Instant messaging applications can allow users to talk in a talk room, as an example, but not by limitation. Further, in the instant messaging application, it is possible to make a call (voice call, video call, etc.) between users as an example without limitation.

The chat room (not limited, but as an example, a talk room) can be a UI (User Interface) or GUI (Graphical User Interface) that allows each user to view content transmitted / received between terminals of a plurality of users. ..

Further, the talk room includes a talk room of one-to-one users (hereinafter referred to as "one-to-one talk room"), a talk room of a group including a plurality of users (hereinafter referred to as "group talk room"), and a talk room. A talk room with a user of an official account (hereinafter referred to as "OA talk room") and the like can be included.

For data management, the one-to-one talk room may be managed as a talk room for one-to-one users or one-to-one accounts, or as a talk room for two users or a group consisting of two accounts. You may.

The official account is not a general user but a business account (business user's account), and the user of this official account is not limited to using a terminal similar to the general user's terminal as an example. , Content (messages) can be sent and received to and from other devices via the server.

In the present specification, the content may be information transmitted from the source to the destination. Further, the content may be one or a plurality of contents.

The content is not limited, but includes, as an example, text content in text format, image content in image (including at least one of still image and moving image) format, sound content in sound (including audio) format, and the like. It may be included.
In addition to this, operation contents such as buttons and icons used for user operations and link contents such as link information (including, for example, URI (Uniform Resource Identifier) and the like, not limited to the above) may be included. It shall be.

The text may include, as an example, not a limitation, at least one of national characters represented by character codes, extended characters, machine-dependent characters, numbers, symbols, figures, and symbols.
The text may not include at least one of the above characters, extended characters, machine-dependent characters, numbers, symbols, figures and symbols, and may include other texts.

The image may include at least one of various image information such as icons, buttons, stamps, pictograms, banner images, as an example, but not a limitation.

Further, in the following embodiment, a money loan service (Loan Service) is exemplified as an example of a service for a user to borrow money from a financial institution. An application for realizing a money loan service is referred to as a "money loan application".
In the money loan application, as an example, not limited to, "loan refinancing" is used, in which the money loan service provider takes over the debt that the user is borrowing from another company, and the loan is unified and refinanced as a loan to the money loan service provider. It can be carried out.

Further, in the following embodiment, a service for a user to make a payment (hereinafter, referred to as a “payment service”) will be exemplified. An application for realizing a payment service is referred to as a "payment application".
The payment application can allow the user to make payments (payments) using electronic money, as an example, but not a limitation.

As a payment method using electronic money, one of a "user-presented" code payment and a "store-presented" code payment can be applied as an example without limitation.

"User presentation type" code payment is not limited, but as an example, payment is made by the user presenting the code information displayed on the display unit 24 of the terminal 20 to the store clerk and having the store clerk read it. Can be the way to do.
The "store presentation type" code payment is not limited, but as an example, a method in which a user makes a code reader of his / her terminal 20 read the code information presented by the store side to make a payment.

In the present specification, "electronic money" is electronic money that is distinguished from physical money, and is a terminal managed in the above-mentioned various applications, or electronic money owned by a user of the terminal. It shall be good as what it means.
In addition, "electronic money" may be considered as "digital currency (digital money)".

As one way of thinking, electronic money may be considered as a concept including "electronic money", "virtual currency (cryptographic assets)", "central bank issued digital currency (CBDB)" and the like.

Further, the electronic money may be either "legal tender" or "corporate currency". As a method of implementing electronic money, "centralized finance (CeFi)" or "decentralized finance (DeFi)" may be used.

In the examples described below, electronic money as a corporate currency in centralized finance will be illustrated as an example of electronic money, not by limitation.

The corporate currency may include physical money such as coupons.

As a form for realizing a money loan service (money loan application), any of the following forms can be applied as an example without limitation.
(A1) Form to have money loan service function as one function of messaging application (A2) Form to have money loan service function as one function of payment application (B1) Function of money loan service and function of messaging service Form to configure an application (integrated application) having (B2) Form to configure an application (integrated application) having a function of a money loan service and a function of a payment service (B3) Function and payment of a money loan service A form of configuring an application (integrated application) having a service function and a messaging service function (C1) A form of configuring a messaging application as an application different from the money loan application (C2) A form different from the money loan application A form of configuring a payment application as an application (C3) A form of configuring an integrated application of a payment service and a messaging service as an application separate from the money loan application (D) A form of configuring a money loan application as a single application

In the form of (A1), (B1), and (B3), the money loan service provider can be the same operator as the messaging service provider, as an example without limitation.
Further, in this case, as one method, the user account in the messaging application and the user account in the money loan application can be used as a common account.
In this case, as another method, the user's account in the messaging application and the user's account in the money loan application can be automatically associated (coordinated) with each other.

The same applies to the case where the money loan service provider is the same as the payment service provider.

In the form of (C1) to (C3), the money loan service provider can be a different operator from the messaging service operator as an example, not limited to the above.
Further, in the forms (C1) to (C3), it is possible to perform a process (coordination process) of associating the user account in the messaging application with the user account in the money loan application.
The same is true for payment applications.

In addition, unlike the above, it is also possible to have a messaging service function as one function of the money loan application. A payment service function may be provided as a function of the money loan application.

<Example>
Hereinafter, examples will be described.
In the embodiment described below, in the money loan service, the server presents an appropriate interest rate to the user of the terminal by acquiring (including calculation) the interest rate (interest rate information including the interest rate) twice, without limitation. Make it possible.

Acquiring the interest rate (interest rate information including the interest rate) twice is to acquire the first interest rate, which is a rough outline, based on the declaration of the user of the terminal, and then the terminal for the first interest rate. By acquiring a scrutinized second interest rate based on the user's consent, the terminal user may be able to quickly conclude a transfer loan contract. From another point of view, the details will be described in the fourth embodiment, but there is a possibility that some processing of the transfer loan may fail after the acquisition of the first interest rate. It may be necessary to obtain a second interest rate to avoid this.

<First Example>
The first embodiment is not limited, but as an example, a user of one terminal 20 (hereinafter, appropriately referred to as a “terminal”) makes a loan from a business operator other than the money loan service business operator that operates the server 10. This is an example of refinancing (debt) to a loan provided by a money loan service provider.
In the first embodiment, as an example, not a limitation, a loan contract from another company that transfers is regarded as one contract.

The contents described in the first embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already mentioned are designated by the same reference numerals, and the description thereof will be omitted again.

In the following, the money loan service provider (money loan service provider that operates the server 10) that is the refinancing destination (transfer destination) from the viewpoint of the loan user (not limited, but as an example, the user of the terminal 20) is "loaned". Called "destination". Also, from the perspective of the loan user, the other company's business that is the refinancing source is called the "lender". The lender can also be expressed as a business operator of the server 10.

Here, the lender and the lender are not limited to each other, but can be companies as an example. A company can be a money lending business operator as stipulated in the Money Lending Business Act. The company may be an organization or an individual. Also, the enterprise may or may not be a legal entity.

Also, in the following, it is not a limitation but as an example.
・ Loan contract from the lender: "Borrowing loan contract"
-Balance that the user of the terminal 20 borrowed in the loan contract: "borrowing balance"
-Interest rate when borrowing (not limited, but as an example, real annual rate): "borrowing interest rate"
・ Monthly contracted repayment amount for borrowing: "borrowing repayment amount"
Each is called. Information on a loan contract is hereinafter referred to as "borrower information".

Also, in the following, it is not a limitation but as an example.
-Information about the financial institution account to which you want to repay your debt in a loan contract: "Information on where to transfer your loan"
It is called. The borrowing loan transfer destination information may include, but is not limited to, a financial institution name, a branch name, a transfer destination account number, and a receiving account name as an example. In addition, the borrowing loan deposit information may include the account item (not limited, but as an example, "savings account"), the financial institution code, the name of the transfer requester, and the like.

Also, in the following, it is not a limitation but as an example.
・ Loan contract concluded at the lender: "Loan loan contract"
-Balance that the user of the terminal 20 borrowed in the loan loan contract: "Loan balance"
-Interest rate when the user of the terminal 20 borrows (not limited, but as an example, real annual rate): "Lending interest rate"
-The contracted repayment amount that the user of the terminal 20 repays monthly for the borrowing: "Lending repayment amount"
Each is called.

Also, in the following, it is not a limitation but as an example.
-Information on the financial institution account to which the loan will be repaid in the loan contract: "Loan loan transfer information"
Is called. The loan transfer destination information is not limited, but can be configured to include information similar to the borrow loan transfer destination information as an example.

If the money loan service provider is affiliated with the payment service provider, or if the money loan service provider also serves as the payment service provider, the loan loan transfer destination information is used for loan repayment. It may be configured to include information about the configured electronic money account. The same applies to borrowing loan transfer destination information.

It should be noted that at least one of the lender or the lender may or may not include an administrative agency. In addition, at least one of the lender or the lender may or may not include a voluntary association other than a company.

Further, in the following, the name of the money loan application will be illustrated and described as "Money Loan App" as appropriate.

<System configuration>
FIG. 1-1 is a diagram showing an example of a system configuration of the communication system 1 according to the embodiment of the present disclosure.
In the communication system 1, the server 10 and a plurality of terminals 20 (terminals 20A, terminals 20B, terminals 20C, ...) Are connected to each other via a network 30 as an example, not limited to the above.

The server 10 has a function of providing a predetermined service (not limited to, for example, a money loan service, a messaging service, etc.) to a terminal 20 owned by a user via a network 30. The server 10 is not limited, and may be expressed as, for example, a money loan server, a messaging server, or the like.
In the present embodiment, the money loan service provider (operator) and the messaging service provider (operator) are the users of the server 10.

The number of servers 10 and the number of terminals 20 connected to the network 30 are not limited.

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) Can be any terminal as long as it is an information processing terminal capable of realizing the functions described in each embodiment. The terminal 20 is not limited but, as an example, a smartphone, a mobile phone (feature phone), a computer (not limited, as an example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited, as an example, a cable, a satellite set). Top boxes, digital video recorders), handheld computer devices (not limited to, for example, PDAs (personal digital assistants), e-mail clients, etc.), wearable terminals (glasses-type devices, clock-type devices, etc.), VR (Virtual Reality) Includes terminals, smart speakers (devices for voice recognition), or other types of computers, or communication platforms. Further, the terminal 20 may be expressed as an information processing terminal.

The configurations of the terminal 20A, the terminal 20B, and the terminal 20C can be the same, for example, without limitation. Further, if necessary, the terminal used by the user X may be expressed as the terminal 20X, and the user information in the predetermined service associated with the user X or the terminal 20X may be expressed as the user information X. It does not have to be.
The user information is user information associated with an account used by the user in a predetermined service. The user information is not limited but, as an example, input by the user or given by a predetermined service, the user's name, the user's icon image, the user's age, the user's gender, the user's address, and the user's taste. It includes information associated with the user, such as preferences, user identifiers, and may or may not be any one or combination of these.

The network 30 is responsible for connecting one or more terminals 20 and one or more servers 10. That is, the network 30 means a communication network that provides a connection route so that data can be transmitted and received after the above-mentioned various devices are connected.

One or more parts of the network 30 may or may not be a wired or wireless network. The network 30 is not limited, but by example, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), and a wireless network. LAN (wireless LAN: WLAN), wide area network (WAN), wireless WAN (wireless WAN: WWAN), metropolitan area network (MAN), part of the Internet, public exchange telephone network (Public) Part of Switched Telephone Network (PSTN), mobile phone network, ISDN (integrated service digital networks), wireless LAN, LTE (long term evolution), CDMA (code division multiple access), Bluetooth (Bluetooth (registered trademark)), satellite It can include communication, etc., or a combination of two or more of these. The network 30 may include one or more networks 30.

The server 10 (not limited to an example of a server, an information processing device, and an information management device) has a function of providing a predetermined service to the terminal 20. The server 10 may be any device as long as it can realize the functions described in each embodiment. The server 10 is not limited, but by example, a server device, a computer (not limited, by example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited, by example, a cable, a satellite set-top box, a digital video recorder). ), Handheld computer devices (for example, but not limited to, PDA, email client, etc.), or other types of computers, or communication platforms. Further, the server 10 may be expressed as an information processing device. When it is not necessary to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be expressed as an information processing device, respectively.

[Hardware (HW) configuration of each device]
The HW configuration of each device included in the communication system 1 will be described.

(1) HW configuration of the terminal FIG. 1-1 shows an example of the HW configuration of the terminal 20.
The terminal 20 includes a control unit 21 (CPU: central processing unit), a storage unit 28, a communication I / F 22 (interface), an input / output unit 23, a clock unit 29A, and a position calculation information detection unit 29B. .. Each component of the HW of the terminal 20 is connected to each other via the bus B as an example, but not a limitation. It is not essential that the HW configuration of the terminal 20 includes all the components. As an example, but not limited to, the terminal 20 may or may not be configured to remove individual components or a plurality of components.

The communication I / F 22 transmits / receives various data via the network 30. Communication may be executed by wire or wirelessly, and any communication protocol may be used as long as communication with each other can be executed. The communication I / F 22 has a function of executing communication with various devices such as a server 10 via the network 30. The communication I / F 22 transmits various data to various devices such as the server 10 according to instructions from the control unit 21. Further, the communication I / F 22 receives various data transmitted from various devices such as the server 10 and transmits the various data to the control unit 21. Further, the communication I / F 22 may be simply expressed as a communication unit. Further, when the communication I / F 22 is composed of a physically structured circuit, it may be expressed as a communication circuit.

The input / output unit 23 includes a device for inputting various operations to the terminal 20, a device for outputting the processing result processed by the terminal 20, and the like. The input / output unit 23 may or may not be integrated into an input unit and an output unit, or may be separated into an input unit and an output unit.

The input unit is realized by any or a combination of all kinds of devices capable of receiving input from the user and transmitting information related to the input to the control unit 21. The input unit includes, but is not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via a moving image), and a microphone (operation input by voice).

The output unit is realized by any one or a combination of all kinds of devices capable of outputting the processing result processed by the control unit 21. The output unit is not limited and includes, as an example, a touch panel, a touch display, a speaker (audio output), a lens (not limited, as an example, a 3D (three dimensions) output, a hologram output), a printer, and the like.

Although it is only an example, the input / output unit 23 is not limited, and includes a display unit 24, a sound input unit 25, a sound output unit 26, and an image pickup unit 27 as an example.

The display unit 24 is realized by any or a combination of all kinds of devices that can be displayed according to the display data written in the frame buffer. The display unit 24 is not limited but, as an example, a touch panel, a touch display, a monitor (not limited but, as an example, a liquid crystal display or an OELD (organic electroluminescence display)), a head mounted display (HDM), a projection mapping, a hologram. , Includes a device capable of displaying images, text information, etc. in the air (which may or may not be vacuum). It should be noted that these display units 24 may or may not be able to display display data in 3D.

The sound input unit 25 is used for inputting sound data (including voice data; the same applies hereinafter). The sound input unit 25 includes a microphone and the like.
The sound output unit 26 is used for outputting sound data. The sound output unit 26 includes a speaker and the like.
The image pickup unit 27 is used for acquiring image data (including still image data and moving image data; the same applies hereinafter). The image pickup unit 27 includes a camera and the like.

When the input / output unit 23 is a touch panel, the input / output unit 23 and the display unit 24 may be arranged so as to face each other with substantially the same size and shape.

The clock unit 29A is a built-in clock of the terminal 20, and outputs time information (timekeeping information). The clock unit 29A is configured to include, for example, a clock using a crystal oscillator and the like, without limitation. The clock unit 29A can be expressed as a time measuring unit or a time information detecting unit as an example without limitation.

The clock unit 29A may or may not have a clock to which the NITZ (Network Identity and Time Zone) standard or the like is applied.

The position calculation information detection unit 29B has a function of detecting (measuring) information necessary for the control unit 21 to calculate (measure) the position of its own terminal 20 (hereinafter referred to as "position calculation information"). It is a department. The position calculation information detection unit 29B can be expressed as a position calculation sensor unit as an example without limitation.

The position calculation information detection unit 29B is not limited, but as an example, a satellite positioning sensor (satellite positioning) which is a sensor or a unit for calculating the position of the terminal 20 using a satellite positioning system such as GPS (Global Positioning System). Unit), a sensor for calculating the position of the terminal 20 using an inertial navigation system, an inertial measurement sensor (IMU (Inertial Measurement Unit)), and a UWB (Ultra Wide). Band) includes a sensor for calculating the position of the terminal 20 and a UWB positioning sensor (UWB positioning unit) which is a unit.

The satellite positioning unit is not limited, but as an example, is an RF receiving circuit that converts an RF (Radio Frequency) signal including a positioning satellite signal transmitted from a positioning satellite received by an antenna (not shown) into a digital signal. Correlation calculation processing is performed on the digital signal output from the RF reception circuit to capture the positioning satellite signal, and information such as satellite orbit data and time data extracted from the positioning satellite signal is used as position calculation information. It has a baseband processing circuit to output.

The inertial measurement unit has an inertial sensor, which is a sensor that detects information necessary for calculating the position of the terminal 20 by inertial navigation calculation. The inertial sensor includes, for example, a 3-axis acceleration sensor and a 3-axis gyro sensor, and the acceleration detected by the acceleration sensor and the angular velocity detected by the gyro sensor are used as position calculation information. Output.

The UWB positioning unit, as an example, is not limited to, and converts an ultra-wideband RF (Radio Frequency) signal including a positioning ultra-wideband pulse signal transmitted from a positioning beacon received by an antenna (not shown) into a digital signal. It has a wideband RF receiving circuit, a relative position calculation processing circuit that calculates the relative position between the terminal 20 and the positioning beacon based on a digital signal output from the ultra-wideband RF receiving circuit, and the like.
As an example without limitation, the UWB positioning unit may make the terminal 20 function as a positioning beacon by transmitting an ultra-wideband RF signal including a positioning ultra-wideband pulse signal from an antenna (not shown). You don't have to.

As an example, the control unit 21 calculates the position of its own terminal 20 at a periodic timing or a specific timing based on the position calculation information detected by the position calculation information detection unit 29B. The position of the terminal is referred to as "terminal position", and the calculated terminal position is referred to as "calculated terminal position". The control unit 21 may or may not store the calculated terminal position in the storage unit 28 as the calculated terminal position history data in association with the calculated date and time of the calculated terminal position.

The control unit 21 has a circuit physically structured to execute a function realized by a code or an instruction contained in the program, and is not limited, but as an example, a data processing device built in hardware. Is realized by. Therefore, the control unit 21 may or may not be expressed as a control circuit.

The control unit 21 is not limited, but as an example, a central processing unit (CPU), a microprocessor (microprocessor), a processor core (processor core), a multiprocessor (multiprocessor), an ASIC (application-specific integrated circuit), and an FPGA (field programmable). gate array) is included.

The storage unit 28 has a function of storing various programs and various data required for the terminal 20 to operate. The storage unit 28 includes various storage media such as HDD (hard disk drive), SSD (solid state drive), flash memory, RAM (random access memory), and ROM (read only memory) as examples without limitation. Further, the storage unit 28 may or may not be expressed as a memory.

The terminal 20 stores the program P in the storage unit 28, and by executing the program P, the control unit 21 executes the processing as each unit included in the control unit 21. That is, the program P stored in the storage unit 28 causes the terminal 20 to realize each function executed by the control unit 21. Further, this program P may or may not be expressed as a program module.

(2) HW configuration of the server
FIG. 1-1 shows an example of the HW configuration of the server 10.
The server 10 includes a control unit 11 (CPU), a storage unit 15, a communication I / F 14 (interface), an input / output unit 12, and a clock unit 19. Each component of the HW of the server 10 is connected to each other via bus B, as an example, but not by limitation. It is not essential that the HW of the server 10 includes all the components as the configuration of the HW of the server 10. As an example, but not limited to, the HW of the server 10 may or may not be configured to remove individual components or a plurality of components.

The control unit 11 has a circuit physically structured to execute a function realized by a code or an instruction contained in the program, and is not limited, but as an example, a data processing device built in hardware. Is realized by.

The control unit 11 is typically a central processing unit (CPU), and may or may not be a microprocessor, a processor core, a multiprocessor, an ASIC, or an FPGA. In the present disclosure, the control unit 11 is not limited to these.

The storage unit 15 has a function of storing various programs and various data required for the server 10 to operate. The storage unit 15 is realized by various storage media such as HDD, SSD, and flash memory. However, in the present disclosure, the storage unit 15 is not limited to these. Further, the storage unit 15 may or may not be expressed as a memory.

The communication I / F 14 transmits / receives various data via the network 30. Communication may be executed by wire or wirelessly, and any communication protocol may be used as long as communication with each other can be executed. The communication I / F 14 has a function of executing communication with various devices such as a terminal 20 via the network 30. The communication I / F 14 transmits various data to various devices such as a terminal 20 according to an instruction from the control unit 11. Further, the communication I / F 14 receives various data transmitted from various devices such as the terminal 20 and transmits the various data to the control unit 11. Further, the communication I / F 14 may be simply expressed as a communication unit. Further, when the communication I / F 14 is composed of a physically structured circuit, it may be expressed as a communication circuit.

The input / output unit 12 includes a device for inputting various operations to the server 10, a device for outputting the processing result processed by the server 10, and the like. The input / output unit 12 may or may not be integrated into an input unit and an output unit, or may be separated into an input unit and an output unit.

The input unit is realized by any one or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the control unit 11. The input unit is typically realized by a hardware key typified by a keyboard or the like, or a pointing device such as a mouse. The input unit may or may not include, as an example, a touch panel, a camera (operation input via a moving image), and a microphone (operation input by voice), without limitation.

The output unit is realized by any one or a combination of all kinds of devices capable of outputting the processing result processed by the control unit 11. The output unit includes, as an example, not limited, a touch panel, a touch display, a speaker (sound output), a lens (not limited, as an example, 3D (three dimensions) output, hologram output), a printer, and the like.

Although it is only an example, the input / output unit 12 includes a display unit 13 as an example, not a limitation.

The display unit 13 is realized by a display or the like. The display is typically realized by a monitor (not limited to, for example, a liquid crystal display or an OELD (organic electroluminescence display)). The display may or may not be a head-mounted display (HDM) or the like. It should be noted that these displays may or may not be capable of displaying display data in 3D. In the present disclosure, the display is not limited to these.

The clock unit 19 is a built-in clock of the server 10 and outputs time information (timekeeping information). The clock unit 19 is configured to include, for example, an RTC (Real Time Clock) as a hardware clock, a system clock, or the like, without limitation. The clock unit 19 is not limited, but may be expressed as a time measuring unit or a time information detecting unit as an example.
(3) Others The server 10 stores the program P in the storage unit 15, and by executing this program P, the control unit 11 executes the processing as each unit included in the control unit 11. That is, the program P stored in the storage unit 15 causes the server 10 to realize each function executed by the control unit 11. This program P may or may not be expressed as a program module.
The same applies to other devices.

In each embodiment of the present disclosure, it will be described as being realized by the CPU of the terminal 20 and / or the server 10 executing the program P.

The control unit 21 of the terminal 20 and / or the control unit 11 of the server 10 are formed not only in a CPU having a control circuit but also in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) and the like. Each process may or may not be realized by a logic circuit (hardware) or a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes shown in each embodiment may or may not be realized by one integrated circuit. In addition, LSI may be referred to as VLSI, super LSI, ultra LSI, or the like depending on the degree of integration. Therefore, the control unit 21 may or may not be expressed as a control circuit.

Further, the program P (not limited to, as an example, a software program, a computer program, or a program module) of each embodiment of the present disclosure may be provided in a state of being stored in a storage medium readable by a computer. It does not have to be done. The storage medium can store the program P in a "non-temporary tangible medium". Further, the program P may or may not be for realizing a part of the functions of each embodiment of the present disclosure. Further, it may or may not be a so-called difference file (difference program) that can realize the functions of each embodiment of the present disclosure in combination with the program P already recorded in the storage medium.

Further, in the case of a system program (a program executed by the system), the system is as described above. The above-mentioned system program is a program that can be executed in the entire system, and this program is not limited to the above, and may be composed of individual programs of the devices constituting the system as an example, and constitutes the system. The programs stored in the individual devices may be different. That is, it does not have to be a program common to the individual devices constituting the system.
As an example, not limited to, when the system is composed of a terminal and a server, and the program of the system is P1, the program P1 of the system includes the program P2 stored in the terminal and the program P3 stored in the server. P2 and P3 are for executing the program of the system, and may be different programs from each other. As an example, but not limited to, the program P2 stored in the terminal is a program that executes the first process and sends the result of the first process to the server, and the program P3 stored in the server receives the program P3. A program may be a program that performs a second process on the result of the first process and transmits the result of the second process to the terminal.

The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, but not limited to, field programmable gate arrays (FPGAs) or application-specific ICs (ASICs)), hard disks. Disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic tape, solid It can include a drive (SSD), a RAM drive, a secure digital card, or a drive, any other suitable storage medium, or any suitable combination of two or more thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate. The storage medium is not limited to these examples, and may be any device or medium as long as the program P can be stored. Further, the storage medium may or may not be expressed as a memory.

The server 10 and / or the terminal 20 can read the program P stored in the storage medium and execute the read program P to realize the functions of the plurality of functional units shown in each embodiment.

Further, the program P of the present disclosure may or may not be provided to the server 10 and / or the terminal 20 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. .. The server 10 and / or the terminal 20 is not limited to, but as an example, by executing the program P downloaded via the Internet or the like, the functions of the plurality of functional units shown in each embodiment are realized.

In addition, each embodiment of the present disclosure can also be realized in the form of a data signal in which the program P is embodied by electronic transmission.
At least part of the processing in the server 10 and / or the terminal 20 may or may not be realized by cloud computing composed of one or more computers.
At least a part or all of the processing in the terminal 20 may or may not be performed by the server 10. In this case, at least a part of the processing of each functional unit of the control unit 21 of the terminal 20 or all the processing may or may not be performed by the server 10.
At least a part or all of the processing in the server 10 may or may not be performed by the terminal 20. In this case, at least a part of the processing of each functional unit of the control unit 11 of the server 10 or all the processing may or may not be performed by the terminal 20.

Unless explicitly mentioned, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process may be operated when the determination condition is satisfied, or a predetermined process may be performed when the determination condition is not satisfied. It may or may not be.

The program disclosed in this disclosure is not limited to, but examples include scripting languages such as ActionScript and JavaScript (registered trademark), compiler languages such as Objective-C and Java (registered trademark), and markup languages such as HTML Living Standard. Implemented using.

<Functional configuration>
(1) Functional Configuration of Server FIG. 1-2 is a diagram showing an example of a function realized by the control unit 11 of the server 10 in this embodiment.
The control unit 11 includes, as an example, not limited to, an application management processing unit 111 for executing an application management process according to the application management processing program 151 stored in the storage unit 15 as a functional unit.

FIG. 1-3 is a diagram showing an example of information stored in the storage unit 15 of the server 10 in this embodiment.
The storage unit 15 stores, as an example, not limited to, an application management processing program 151 executed as an application management processing, account registration data 153, and an account management database 155.

The account registration data 153 is registration data related to an account of an application (in this embodiment, a money loan application), and an example of the data structure is shown in FIG. 1-4.
In the account registration data 153, as an example, the user name, the application ID, and other registration information are stored in association with each other.

The user name is the name of the account of the terminal 20 that uses this application, and the name registered when the user of the terminal 20 uses the application is stored as an example without limitation.

The application ID is information used to identify the account of the application, or the account itself.
This application ID is preferably a unique value for each account, and is not limited, but as an example, a unique value (unique value) is set and stored for each account by the server 10.
The application ID is information associated with the terminal 20 or the user of the terminal 20, and is an example of information about the terminal or information about the user of the terminal.

Other registration information is not limited, but is used for identification information for identifying the terminal 20, a terminal 20 telephone number (terminal telephone number), an email address (terminal email address), and various authentications in the application. Various types of information such as authentication information such as passwords (login password, authentication password, etc.) can be included.

In addition, the other registration information may include the following items that can be registered by the user of the terminal 20 as an example, not limited, as information for determining the credit at the time of lending.
・ Work place ・ Annual income ・ Years of service ・ Family composition ・ Asset status ・ Housing style

The identification information for identifying the terminal 20 may be a terminal ID (IMEI (International Mobile Equipment Identity) as an example, not a limitation) as an example rather than a limitation.
Further, the identification information for identifying the user of the terminal 20 is not limited, but may be an application ID for a general user as an example.

It should be noted that the "user ID" may or may not be used instead of the application ID.
Further, in the case of an application in which only one account can be registered for one terminal 20, the application is not limited, but as an example, "identification information for identifying the terminal 20 = identification information for identifying the user of the terminal 20 =". It can be an application ID.

Further, as an example without limitation, it may or may not be possible to assign a plurality of terminal IDs to one application ID. In this case, it may or may not be possible to simultaneously start the application on a plurality of terminals 20 by using one application ID as an identification (login) target.

Further, instead of various IDs such as application IDs, it is also possible to apply a method of managing accounts based on information such as terminal telephone numbers.
In this case, instead of storing the ID information such as the application ID in the account registration data 153, the information such as the terminal telephone number can be stored in the account registration data 153. In addition, instead of replacing the ID information such as the application ID with the information such as the terminal telephone number, the information of the ID such as the application ID may be made to have a one-to-one correspondence with the information such as the terminal telephone number. It does not have to be.

In the following various examples, for the sake of simplicity of explanation, it is assumed that one account is registered for one terminal 20.
Further, in this case, since "identification information for identifying the terminal 20 = identification information for identifying the user of the terminal 20 = application ID" as described above, the "account user" used in the following description is used. The term may be substantially synonymous with "account terminal".

The account management database 155 is a database for managing information about an account registered in the account registration data 153, and an example of data configuration of the account management database 155A as an example thereof is shown in FIG. 1-5.
Account management data is stored in the account management database 155A as management data for each account.

The application ID, the loan management data, and the borrowing registration data are stored in each account management data as an example without limitation.

The application ID is information for identifying an account managed by the account management data, and the application ID registered in the account registration data 153 is stored as an example without limitation.

The loan management data is not limited, but as an example, data for storing information about a loan contract that a money loan service provider lends to a user who is an account owner of this application ID, and is not limited but as an example. The balance, the loan interest rate, the loan repayment amount, and other loan information are stored in association with each other.

The loan balance, the loan interest rate, and the loan repayment amount are not limited, but are, for example, information that is updated and stored by the control unit 11 of the server 10 in accordance with the loan processing and the repayment processing of the loaned loan. Can be done.

The loan information is not limited, and as an example, the loan loan transfer destination information set by the control unit 11 of the server 10 can be stored. In addition, other loan information may include information such as the repayment status of the loaned loan and the social score of the account of this application ID.

The borrowing registration data is not limited, but as an example, it is data for storing information about a borrowing loan contract when a user who is an account owner of this application ID refinances a loan to a money loan service provider, and is limited. Instead, as an example, the borrowing balance, the borrowing interest rate, the borrowing repayment amount, and other borrower information are stored in association with each other.

The borrowing balance, the borrowing interest rate, and the borrowing repayment amount are not limited, but can be, as an example, information input and registered by the user of the terminal 20.

Other borrower information may include, for example, the name of the borrower company and the information of the borrower loan transfer destination, without limitation.
The name of the borrower company is not limited, but may be the name of the borrower company as an example.
The borrower company name and the borrowing loan transfer destination information are not limited, but may be, as an example, information input and registered by the user of the terminal 20.
In addition, information such as the contract date of the loan contract may be included in the other lender information.

As an example, not a limitation, in the example of FIG. 1-5, the user A. of application ID "U0001". Based on the fact that A has not yet borrowed from the money loan service provider (has not received a loan), the data of "-" indicating that each item of the loan management data is not applicable (Null) is stored. There is. In addition, each item of the borrowing registration data includes the user A. As a borrowing loan contract that A wants to refinance the loan, he borrows a loan balance of "300,000 yen" from the borrower company name "ZZ Finance" at a borrowing interest rate of "18%", and the borrowing repayment amount is "¥ ¥". It is remembered that it is "10,000".

(2) Functional configuration of the terminal FIG. 1-6 is a diagram showing an example of the functions realized by the control unit 21 of the terminal 20 in this embodiment.
The control unit 21 includes, as an example, not limited to, an application processing unit 211 for executing application processing according to the application processing program 281 stored in the storage unit 28 as a functional unit.

FIG. 1-7 is a diagram showing an example of data and the like stored in the storage unit 28 of the terminal 20 in this embodiment.
The storage unit 28 stores, as an example, not limited to, an application processing program 281 executed as application processing, and an application ID 283 corresponding to the terminal 20 or the user's account of the terminal 20.
In addition, the friend management data of the account management database 155A may be synchronized and stored in the storage unit 28 of the terminal 20.

<Display screen>
In the following, not only but as an example, a case where the terminal 20 is a smartphone provided with a display unit 24 of a vertically long display will be illustrated.

The smartphone is not limited, but as an example, a touch panel that functions as an input unit is arranged so as to face the display, thereby forming a touch screen. When an element such as an icon, button, item, or input area is displayed on the display, if the user operates a part of the touch panel that faces the area where the element is displayed. The program associated with the element or the subroutine of that program is executed.

In the following, tapping (tap operation) and the like will be illustrated as an example, not limited to, as an operation by the user.
The tap (tap operation) is not limited to, but as an example, the user touches the display unit 24 (touch screen) in which the touch panel is integrated by tapping it with a finger or a pen tip, and then releases the touch panel. Can be operational.

The transition of the display screen described below is only an example of the transition of the display screen for realizing the method of the present disclosure. Regarding the transition of the display screens exemplified below, the display of some display screens may be omitted, or another display screen may be added.

1-8, 1-9, and 1-10 are diagrams showing an example of screen transitions displayed on the display unit 24 of the terminal 20 in this embodiment. In the following, the process executed by the terminal 20 is not limited to the present, but as an example, the user A. Illustrated and described as a process executed by the terminal 20A of A.

The left side of Fig. 1-8 is not a limitation but an example of a borrower information input screen for accepting the contents of a loan contract, which is displayed after the refinancing plan application is selected on the home screen of the money loan application. be.
In this screen, the characters "Money Loan App", which is the name of the money loan application, are displayed in the center of the top of the screen.

Further, below that, an area showing the current position, page, etc. in the money loan application (hereinafter, collectively referred to as "in-app position display area") is configured, and in this example, borrowing is performed. Based on the destination information input screen, the characters "Refinancing plan application" are displayed.

Below the in-app location display area, the characters "borrower information" indicating that the contract details of the loan contract are accepted are displayed. Below that, as borrower information, as an example, not limited, the name of the borrower company, the borrowing balance, the borrowing interest rate, the borrowing repayment amount (indicated as "monthly repayment amount" on the screen), and the borrowing loan It is configured to display a form that accepts the contract date of the contract.
On this screen, as the contents of the borrowing loan contract, the name of the borrowing company is "ZZ Finance", the borrowing balance is "300,000 yen", the borrowing interest rate is "annual interest 18%", and the borrowing repayment amount is "10,000". It is displayed that "yen" and "2020 zz month zz day" have been entered as the contract date.

After entering the information in the lender information input form, when the user taps the lender information confirmation button BT1 as an example instead of the limitation, the refinancing plan application confirmation screen in the center of Fig. 1-8 is displayed instead of the limitation. The display changes.

On this screen, the characters "application confirmation screen" indicating that the refinancing plan application confirmation screen is displayed are displayed in the in-app location display area.
Below the in-app location display area, a borrower information confirmation area for allowing the user to confirm the input borrower information is displayed. In the lender information confirmation area, the lender information entered on the lender information input screen is displayed in a list under the characters of "lender information".

Further, on the upper right side of the lender information confirmation area, the lender information correction button FBT1 indicated by the characters "correction" for correcting the input lender information is configured to be displayed.
As an example, not a limitation, when the lender information correction button FBT1 is tapped, the display returns to the lender information input screen.

Below the lender information confirmation area, a user information confirmation area for confirming various user information registered with the loan service provider by the refinancing user is displayed.
In the user information confirmation area, various user information such as a registered name, date of birth, and telephone number can be confirmed.

When modifying the user information, it can be executed by selecting the registration information modification from the home screen of the money loan application as an example, not limited to the above.

At the bottom of the screen, the refinancing application button BT2 indicated by the characters "Refinancing plan application" for applying for a refinancing plan will be displayed based on the displayed lender information and user information. It is configured.

As an example, not the limitation, when the refinancing application button BT2 is tapped by the user, the display transitions to the refinancing plan application completion screen on the right side of FIG. 1-8 as an example, not the limitation.

On this refinancing plan application completion screen, the application acceptance date "November 11, 2021" is displayed under the text "Application procedure completed" indicating that the refinancing application has been made based on the lender information. Is configured to display the characters.
Below that, a check mark indicating that the application has been completed is displayed.
Further, under the check mark, a message for requesting the user to wait until the application examination is completed is displayed.
At the bottom of the screen, the refinancing application end button BT3 indicated by the characters "completed" for terminating the refinancing plan application is displayed.

As an example, not the limitation, when the refinancing application end button BT3 is tapped by the user, the display transitions to the money loan application home screen on the left side of FIG. 1-9 as an example, not the limitation.

On this home screen, the characters "transaction status" indicating that the home screen is displayed are displayed in the in-app position display area. In addition, on the left side of the in-app location display area, there is a menu display button shown by three horizontal lines for performing various operations in the money loan application (for example, applying for a loan or updating user information, etc.). It is configured to be displayed.

As an example, not limited to the home screen, various notifications from the lender can be displayed under the in-app position display area. As an example, not a limitation, on this screen, the examination completion notification NT1 indicating that the examination of the refinancing plan for which the application has been made has been completed is displayed.
The examination completion notification NT1 is configured to display an exclamation mark icon on the left side of the notification to alert the user of omission of confirmation. Further, the examination completion notification NT1 is configured to display characters indicating that the examination deadline for confirming the examination result is "November 18, 2021".

Under the examination completion notification NT1, the contract content display area CTR1 for displaying information regarding the loan loan contract for which the application has been made is displayed.
In the contract content display area CTR1, the loan interest rate is displayed as an example, not limited, under the characters of "refinancing plan" which is the plan name of the loan loan contract. Below that, as an example, not a limitation, the loan balance (however, in the screen diagram of this example, it stands on the user side in the contract content display area and is described as "borrowing balance"), and the next repayment date. , The next repayment amount and is configured to be displayed. In addition, it may be displayed as "loan balance" without standing on the user side.
On this screen, the characters "under review" and "under processing" are displayed based on the fact that the application has been accepted but the contract with the user has not been concluded as the loan interest rate, loan balance, etc. of the contract content display area CTR1. Has been done.

Further, under the contract content display area CTR1, the transaction history display area THR1 showing the transaction history with the lender is displayed.
On this screen, the transaction history is not yet displayed in the transaction history display area THR1 based on the fact that the loan transaction has not yet been performed between the user of the terminal and the lender.

As an example, not a limitation, when the user taps the examination completion notification NT1, the display transitions to the refinancing plan contract conclusion screen in the center of FIG. 1-9 as an example, not a limitation.

On this refinancing plan contract conclusion screen, the characters of "refinancing plan", which is the target of the contract conclusion, are displayed in the position display area in the application.
Below the in-app location display area, the loan balance (indicated as "loan amount" in the screen), the loan interest rate, and the loan repayment amount (indicated as "monthly repayment amount" in the screen) based on the pre-contract conditions described later. ) And the pre-examination result display area PCT1 for displaying.
On this screen, as an example, not limited, the conditions of the loan balance is "300,000 yen", the loan interest rate is "14%", and the loan repayment amount is "9,000 yen" are displayed as pre-contract conditions. It is presented in.

Further, under the pre-examination result display area PCT1, a message indicating that the loan interest rate and the loan repayment amount presented as pre-contract conditions may be lowered depending on the processing result in the future is displayed. ing.
Below that, information on the contract conclusion deadline based on the pre-contract conditions displayed in the pre-examination result display area PCT1 (in this example, a message indicating that it is until "November 18, 2021") is displayed. It is configured to be.

Below that, the provisions display area ACT1 in which the provisions based on Article 16-2 of the Money Lending Business Act of Japan are described is displayed as an example, not a limitation, in the contract contents of this refinancing plan. ing.
Below the specified item display area ACT1, a check box and a message "confirmed the above items" are displayed. As an example, not a limitation, if the user agrees to the above provisions, tapping the check box will mark the check box as checked.

Below that, there is a refinancing contract button BT5 indicated by the characters "I agree to the contract" for making a refinancing contract based on the conditions of the pre-examination result display area PCT1, and "Refinancing" for canceling without agreeing to the refinancing contract. The refinancing cancel button BT4 indicated by the characters "Stop" is displayed.

If the check box below the stipulated item display area ACT1 is not checked, the refinancing contract button BT5 is displayed in a grayed out display mode as an example, not as a limitation, and the operation is invalidated as an example, not as a limitation. can do.

As an example, not the limitation, when the refinancing contract button BT5 is tapped by the user, the display transitions to the borrowing loan transfer destination information input screen on the right side of FIG. 1-9 as an example, not the limitation.

On this borrowing loan transfer destination information input screen, the characters "repayment account registration" are displayed in the in-app location display area. Below the in-app location display area, the message "Enter the repayment account information of another company's borrower" prompts the user to enter the borrowing loan transfer information for the lender to repay the loan contract on behalf of the borrower. Is configured to be displayed.

Below the message, the characters "ZZ Finance", which is the name of the borrower company registered as the borrower information, are displayed together with the characters "Lender company name". Below that, as the borrowing loan transfer destination information, as an example, not limited, a form for accepting a financial institution name, a branch name, an account item, a transfer destination account number, and a receiving account name is displayed.
On this screen, it is displayed that the name of the financial institution is "○ × bank" and the like are input as the borrowing loan transfer destination information.

After entering the information in the borrowing loan transfer destination information input form, as an example, not a limitation, when the user taps the borrowing loan transfer destination information registration button BT6 indicated by the characters "account information registration", the example is not a limitation. As a result, the display transitions to the home screen on the left side of FIG. 1-10.

On this home screen, a transfer processing notification NT2 indicating that a transfer processing for making a repayment to "ZZ Finance" is in progress is displayed below the position display area in the application.
The transfer processing notification NT2 is configured to display a bell mark icon on the left side of the notification to prompt the user for confirmation. Further, the transfer processing notification NT2 is configured to display characters indicating that the scheduled transfer date is "November 12, 2021" in this example.

As an example, not limited, the notification that the bell mark icon is displayed (not limited, but as an example, transfer processing notification NT2) is not limited, but the notification is sent by swiping as an example after confirmation by the user on the home screen. It may be possible to erase from. Also, as an example, not limited, the notification that the exclamation icon is displayed (not limited, but as an example, examination completion notification NT1) can be deleted from the home screen even if the swipe operation is performed as an example, not limited. You may not be able to do it.

Below the transfer processing notification NT2, the contract content display area CTR1 is configured to be displayed.
On this screen, it is displayed that the loan interest rate of the contract content display area CTR1 is "14%" based on the pre-contract conditions. In addition, for the loan balance and the like, the characters "processing" are displayed based on the fact that the transfer processing to the lender has not been completed.

As an example, not a limitation, an example of the home screen when the transfer process to "ZZ Finance" is completed on "November 12, 2021" after the lapse of time is shown on the right side of FIG. 1-10.

On this home screen, under the transfer processing notification NT2, the transfer processing to "ZZ Finance" is completed, and the refinancing plan etc. is confirmed based on the calculation of the contract conditions described later. The contract document reissue notice NT3 indicating that the loan interest rate, etc. has been updated is displayed.

Further, in the contract content display area CTR1, it is displayed that the loan interest rate has been updated to "12%" of the contract condition. Then, the loan balance was fixed at "300,000 yen", the next repayment date was fixed at "November 26, 2021", and the next repayment amount was fixed at "9000 yen" based on the loan repayment amount under the contract conditions. Is displayed.

Then, in the transaction history display area THR1, a transaction history indicating that the user borrowed "300,000 yen" from the lender on "November 26, 2021" is displayed.

It should be noted that the transfer processing completion notification indicating that the transfer processing to "ZZ Finance" has been completed may be displayed between the transfer processing notification NT2 and the contract document reissue notification NT3.

<Processing>
FIG. 1-11 is a flowchart showing an example of the flow of processing executed by each device in this embodiment.
In this figure, an example of a process executed by the control unit 21 of the terminal 20A and a process executed by the control unit 11 of the server 10 is shown in order from the left side.

The processes described below are merely examples of processes for realizing the method of the present disclosure, and are not limited thereto.
Another step may be added to the process described below, or some steps may be omitted (deleted) from the process described below.

First, the control unit 21 of the terminal 20A executes the borrower information reception process (A110).
In the lender information reception process, as an example, not limited, based on the input to the input / output unit 23 of the terminal 20A (as an example, not limited, user input (operation input by the user, sound input, etc.). The same shall apply hereinafter). The control unit 21 of the terminal 20A acquires the borrower information. Here, the borrower information can include, as an example, without limitation, a borrower company name, a borrowing balance, a borrowing interest rate, and a borrowing repayment amount.

Then, the control unit 21 of the terminal 20A transmits the borrower information acquired in the borrower information reception process to the server 10 by the communication I / F 22 (A120).

When the borrower information is received from the terminal 20A by the communication I / F 14, the control unit 11 of the server 10 stores the borrowing balance of the borrower information in the borrowing registration data.
Then, the control unit 11 of the server 10 executes a pre-contract condition calculation process for calculating the provisional loan contract conditions when lending by refinancing from the loan contract (S110).

In the pre-contract condition calculation process, the control unit 11 of the server 10 is not limited, but as an example, the loan balance, the loan interest rate, and the loan repayment amount are used as an example, and the money loan service provider makes a loan. When doing so, it is calculated based on the cap interest rate calculation theory, which is a condition calculation method that is assumed that the business operator does not lose money. In the following, the calculated loan balance (hereinafter referred to as "cap loan balance"), the loan interest rate (hereinafter referred to as "cap loan interest rate"), and the loan repayment amount (hereinafter referred to as "cap loan repayment amount"). ) And are collectively referred to as "cap condition".

In the calculation of the cap condition, the control unit 11 of the server 10 uses the user A. Send credit information inquiry information about A. Then, the control unit 11 of the server 10 receives the user A. from the designated credit information agency server. Upon receiving the personal credit information regarding A, the cap condition may or may not be calculated based on the personal credit information and the cap interest rate calculation theory.
The designated credit information institution is not limited, but as an example, it shall be an institution designated as an institution that manages credit information such as the borrowing status, payment status, contract status, etc. of each user who is borrowing from a financial institution, etc. Can be done.

Then, the control unit 11 of the server 10 is not limited, but as an example, the cap condition and the user A. stored in the storage unit 15. Based on A's social score, the loan balance satisfying the following conditions, the loan interest rate, and the loan repayment amount are calculated.
・ Constraints 1. Loan repayment amount does not exceed borrowing repayment amount ・ Constraints 2. The loan interest rate does not exceed the borrowing interest rate These conditions are not limited, but are, for example, conditions for satisfying the conditions for determining exception lending in gradual refinancing, which are stipulated by the Money Lending Business Act.
・ Constraints 3. The loan interest rate and the loan repayment amount are equal to or greater than the cap condition (loan interest rate under pre-contract conditions ≥ cap loan interest rate, and loan repayment amount under pre-contract conditions ≥ cap loan repayment amount).
This condition is not a limitation, but as an example, it is a condition for securing a margin for giving preferential treatment to the condition for lending in this contract condition.
This constraint 3. Therefore, it is possible to calculate the main contract condition that is equal to or more advantageous for the user of the terminal 20 than the pre-contract condition.
In the following, the calculated loan balance, the loan interest rate, and the loan repayment amount will be referred to as "pre-contract conditions".

As an example, not a limitation, User A. The higher the social score of A, the closer the loan interest rate under the pre-contract condition and the cap loan interest rate may be. Also, as an example, not a limitation, User A. The higher the social score of A, the closer the loan repayment amount under the pre-contract conditions and the cap loan repayment amount may be.
That is, User A. The higher the social score of A, the closer the pre-contract condition to the cap condition (margin: small). Conversely, User A. The lower the social score of A, the farther the pre-contract condition is from the cap condition (margin: large).

A user's high social score means that the user's credibility may be high. Therefore, the higher the user's social score, the more favorable the conditions for lending under the terms of this contract. Also, as an example, if not limited, if a user who has previously used a money loan service has a higher social score than before, it is possible that the user's credibility is higher than before. Therefore, it is possible to give preferential treatment to the conditions for lending under the terms of this contract, compared to before.
If the user's social score is low, the opposite is true.

The social score is not limited to being stored in the storage unit 15 of the server 10. In the calculation of the pre-contract conditions, the control unit 11 of the server 10 uses the user A. Send A's social score inquiry information. Then, the control unit 11 of the server 10 is connected to the user A. from the social score server. The social score information of A may be received and the pre-contract condition may be calculated.

Then, the control unit 11 of the server 10 transmits the pre-contract condition information including the calculated pre-contract condition to the terminal 20A by the communication I / F 14 (S120). Then, the control unit 11 of the server 10 stores the loan interest rate calculated as the pre-contract condition in the loan management data.
The pre-contract condition information may include the expiration date of the pre-contract condition.

In the pre-contract condition calculation process, the control unit 11 of the server 10 uses the user A. If any one of the above constraints 1 to 3 is not satisfied due to a problem such as A's social score, the user A. It is also possible to transmit the loan non-contractable information indicating that the loan cannot be made to A by transfer to the terminal 20A by the communication I / F14. In this case, the control unit 21 of the terminal 20A causes the display unit 24 to display the received loan contract impossible information. Further, the control unit 11 of the server 10 ends the process.

When the pre-contract condition information is received from the server 10 by the communication I / F 22, the control unit 21 of the terminal 20A causes the display unit 24 to display the received pre-contract condition information (A130). As an example, not a limitation, based on user input to the displayed pre-contract condition information, User A. When it is determined that A agrees to refinance under the presented pre-contract conditions (A140: YES), the control unit 21 of the terminal 20A is not limited, but as an example, the borrowing loan transfer destination information based on the user input. To get. Then, the control unit 21 of the terminal 20A transmits the pre-contract condition consent information including the acquired borrowing loan transfer destination information to the server 10 by the communication I / F 22 (A150).

User A. When it is determined that A does not agree to refinance under the presented pre-contract conditions (A140: NO), the control unit 21 of the terminal 20A ends the process.

The control unit 11 of the terminal 20A may also acquire the borrowing loan transfer destination information in the borrowing destination information reception process (A110) and transmit the borrowing destination information including the borrowing loan transfer destination information to the server 10.

Further, when the control unit 11 of the terminal 20A receives the pre-contract condition information from the server 10, the pre-contract condition consent information may be automatically transmitted to the server 10.

When it is determined that the pre-contract condition consent information has been received from the terminal 20A by the communication I / F 14 (S130: YES), the control unit 11 of the server 10 executes the alternative repayment transfer process (S140).
In the alternative repayment transfer process, the control unit 11 of the server 10 transfers the financial institution account (financial institution name, branch name, transfer account number, etc.) specified in the borrowing loan transfer destination information from the financial financial account of the money loan service provider. The transfer request information for transferring or transferring the loan amount obtained under the pre-contract conditions is transmitted to the financial institution server (not shown) by the communication I / F14 to the receiving account name).
When the transfer process is completed at the financial institution, the control unit 11 of the server 10 receives the transfer completion information from the financial institution server. Then, the control unit 11 of the server 10 deletes each record of the borrowing registration data for the borrower whose transfer process is successful. In addition, the loan balance of the loan management data is added based on the loan balance for which the transfer processing is successful.

In this embodiment, the transfer process will be successful. The case where the transfer process fails will be described in a later embodiment.

When the alternative repayment transfer process is completed, the control unit 11 of the server 10 executes the present contract condition calculation process (S150).
In the present contract condition calculation process, the control unit 11 of the server 10 determines the loan balance, the loan interest rate, and the loan repayment amount based on the borrowing balance completed in the alternative repayment transfer processing and the borrowing interest rate associated with the borrowing balance. Is not limited, but as an example, it is recalculated based on the theory of calculating the cap interest rate. In the following, the calculated loan balance, loan interest rate, and loan repayment amount will be referred to as the “main contract condition”.
The above constraint condition 3. Based on this, there is a possibility that the loan interest rate and loan repayment amount will be given preferential treatment over the pre-contract conditions under this contract condition.
In addition, since the contract condition automatically satisfies the constraint condition 1 and the constraint condition 2, the condition for determining the exception loan in the stepwise refinancing is satisfied.

Then, the control unit 11 of the server 10 updates each record of the loan management data based on the contract condition.
Further, the control unit 11 of the server 10 transmits the main contract condition information including the calculated main contract condition to the terminal 20A by the communication I / F14 (S160). Then, the control unit 11 of the server 10 ends the process.

When the main contract condition information is received from the server 10 by the communication I / F 22, the control unit 21 of the terminal 20A causes the display unit 24 to display the received main contract condition information (A160). Then, the control unit 21 of the terminal 20A ends the process.

When the alternative repayment transfer process is completed, the control unit 11 of the server 10 may transmit the alternative repayment transfer completion information indicating that the alternative repayment transfer is completed to the terminal 20A by the communication I / F14. In this case, when the control unit 21 of the terminal 20A receives the alternative repayment transfer completion information from the server 10, the display unit 24 displays the received alternative repayment transfer completion information.

As an example, not a limitation, when it is determined that the pre-contract condition consent information is not received from the terminal 20A after the expiration date of the pre-contract condition (S130: NO), the control unit 11 of the server 10 terminates the process.

The control unit 11 of the server 10 may skip the step of S160. Further, the control unit 21 of the terminal 20A may skip the step of the A160.
In this case, when the control unit 21 of the terminal 20A executes the step of the A150, the condition inquiry information is transmitted to the server 10 by the communication I / F 22 at an arbitrary timing based on the user input, not by limitation but as an example. When the control unit 11 of the server 10 determines that the condition inquiry information has been received from the terminal 20A, if the contract condition calculation process has been completed, the contract condition information has not been completed and the contract condition calculation process has not been completed. In that case, information indicating that the transfer process is in progress may be transmitted to the terminal 20A. Then, the control unit 21 of the terminal 20A causes the display unit 24 to display the main contract condition information received from the server 10 or the information indicating that the transfer process is in progress.

Further, the control unit 11 of the server 10 may omit the steps of S120 to S130.

In addition, it is not essential to use the social score in the calculation of the pre-contract condition, and it is not necessary to use it.
As an example, not limited to, "loan interest rate under pre-contract conditions = borrowing interest rate" may be used regardless of the social score. In addition, as an example, not limited to the interest rate, the interest rate is reduced from the borrowing interest rate by the set ratio (may be decided by considering the profit obtained by the money loan service provider) regardless of the social score. It may be calculated as the loan interest rate of the contract condition.

<Effect of the first embodiment>
In this embodiment, the server 10 (not limited, but an example of a server that communicates with the user's terminal) is the borrower information (not limited, but the first) including the information of money borrowed from the first company by the user of the terminal 20. An example of information) is provided with a communication I / F 14 for receiving from the terminal 20. Further, the server 10 calculates pre-constraint condition information (not limited, but an example of the first interest rate information) including interest rate information regarding refinancing of money borrowed by the user of the terminal 20 based on the received lender information (an example of the first interest rate information). The control unit 11 is provided, not limited to the above, but as an example of acquisition). Then, the control unit 11 performs an alternative repayment transfer process (not limited, but an example of payment process) for paying money to the first company based on the received lender information, and based on the payment process, the user of the terminal 20. Shows a configuration in which the contract condition information (an example of the second interest rate information, not the limitation) including the interest rate information regarding the refinancing of the borrowed money is calculated (an example of the acquisition, not the limitation).
As an example of the effect of the embodiment obtained by such a configuration, the server receives the first information including the information of money borrowed from the first company by the user of the terminal from the terminal, and then receives the first information. Based on this, it is possible to acquire the first interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user of the terminal. In addition, the server pays money to the first company based on the received first information, and then includes information on the interest rate related to refinancing of the money borrowed by the terminal user based on the payment. 2 Interest rate information can be obtained. As a result, the user of the terminal can refinance the money borrowed from the first company, and the user of the terminal can be presented with an appropriate interest rate. Further, as an example without limitation, it is possible to calculate the first interest rate information so that the interest rate of the second interest rate information is equal to or lower than the interest rate of the first interest rate information.

Further, this embodiment shows a configuration in which the control unit 11 of the server 10 controls to transmit the pre-contract condition information (not limited, but an example of the first interest rate information) to the terminal 20 by the communication I / F14. ..
As an example of the effect of the embodiment obtained by such a configuration, the server can transmit the acquired first interest rate information to the terminal. Thereby, as an example, not limited to, the information of the interest rate included in the acquired first interest rate information can be notified to the user of the terminal.

Further, this embodiment shows a configuration in which the calculated (not limited, but an example of acquisition) pre-contract condition information is determined based on the consent of the user of the terminal 20.
As an example of the effect of the embodiment obtained by such a configuration, the server can be determined by the acquired first interest rate information with the consent of the user of the terminal.

<First modification (1)>
In the above embodiment, the pre-contract condition calculation process and the main contract condition calculation process are performed by the control unit 11 of the server 10, but the present invention is not limited to this. As an example, not limited to, the pre-contract condition calculation process, the main contract condition calculation process, or both of them are executed on a core server (hereinafter referred to as "core server") of a money loan service provider (not shown). You may do so.

When the pre-contract condition calculation process is executed on the core server, the control unit 11 of the server 10 transmits the received borrower information to the core server when the borrower information is received from the terminal 20 as an example, not limited to the case. Then, the control unit of the core server executes the pre-contract condition calculation process based on the borrower information received from the server 10, and transmits the calculated pre-contract condition information to the server 10.
When the control unit 11 of the server 10 receives the pre-contract condition information from the core server, the control unit 11 transmits the received pre-contract condition information to the terminal 20A.

When the contract condition calculation process is executed on the core server, the control unit 11 of the server 10 transmits the alternative repayment transfer completion information to the core server as an example, not limited to the case. Then, the control unit of the core server executes the main contract condition calculation process based on the alternative repayment transfer completion information received from the server 10, and transmits the calculated main contract condition information to the server 10.
When the control unit 11 of the server 10 receives the main contract condition information from the core server, the control unit 11 transmits the received main contract condition information to the terminal 20.

The alternative repayment transfer process may be executed on the core server.
In this case, as an example, not limited to, when the control unit 11 of the server 10 receives the pre-contract condition consent information from the terminal 20, the borrowing loan transfer destination information is transmitted to the core server based on the received pre-contract condition consent information. do. When the control unit of the core server receives the borrowing loan transfer destination information from the server 10, the control unit executes the alternative repayment transfer process.
When the alternative repayment transfer process is completed, the control unit of the core server transmits the alternative repayment transfer completion information to the server 10.

That is, this modification is not limited to an example, and can be an example in which the front-end processing of the money loan application is executed on the server 10 and the back-end processing is executed on the core server.
Further, this modification is not limited to an example, and can be an example in which the server 10 acquires the first interest rate information and the second interest rate information from the outside instead of calculating and acquiring the second interest rate information by the own device.

<First modification (2)>
In the above embodiment, the transfer (transfer) between financial institution accounts is executed in the alternative repayment transfer process, but the present invention is not limited to this. As an example, not limited to, if the lender supports repayment with electronic money, the repayment electronic money specified in the borrowing loan transfer destination information from the electronic money account of the money loan service provider in the alternative repayment transfer processing. Electronic money may be transferred to the account.
The process of remittance of electronic money can be an example of the payment process performed by the server 10 as well as the process of transfer (transfer).

<First modification (3)>
In the above embodiment, in the pre-contract condition calculation process, the pre-contract conditions are obtained so as to satisfy the constraints 1 to 3, but the present invention is not limited to this. As an example, not a limitation, the pre-contract condition may be obtained so as to satisfy only the constraints 1 and 2.

In this case, the loan interest rate under the pre-contract conditions will be higher than the loan interest rate under the pre-contract conditions, or the loan repayment amount under the pre-contract conditions will be higher than the loan repayment amount under the pre-contract conditions, or both. May meet. However, as long as the contract conditions satisfy the constraints 1 and 2, the conditions for determining the exception loan are satisfied.

Therefore, in this case, the control unit 11 of the server 10 is not limited to the pre-contract condition, but includes the possibility that the loan interest rate and the loan repayment amount may be higher than the pre-contract condition after the pre-contract condition calculation process. Information can be transmitted to the terminal 20A.

Then, the control unit 11 of the server 10 determines that the pre-contract condition consent information has been received from the terminal 20A (S130: YES), and after the main contract condition calculation process, the constraint conditions 1 and 2 are set as an example, not a limitation. If the user of the terminal 20 is treated colder in the present contract condition than in the pre-contract condition (the loan interest rate rises, the loan repayment amount is increased, or both), the book including the updated main contract condition. The contract condition information may be transmitted to the terminal 20A by the communication I / F14.

<Second Example>
In the first embodiment, an example of executing an alternative repayment transfer without verifying / determining the lender information input in the terminal 20 has been exemplified.
The second embodiment is an embodiment in which the borrower information declared by the user of the terminal 20 is inquired, and whether or not the declaration is correct is verified and determined.

The contents described in the second embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already mentioned are designated by the same reference numerals, and the description thereof will be omitted again.

<Display screen>
2-1 to 2-2 are diagrams showing an example of screen transitions displayed on the display unit 24 of the terminal 20 in this embodiment.
In this screen diagram, as an example, not limited, the user sets the loan balance to "300" as the borrower information even though the loan balance from the borrowing company name "ZZ Finance" is actually "290,000 yen". Here is an example of declaring that it is "1,000 yen".
It should be noted that this is just an example, and the present invention is not limited to this example.

On the left side of Fig. 2-1 as an example, not limited to, the money loan application home screen displayed when the borrowing loan transfer destination information registration button BT6 is tapped on the borrowing loan transfer destination information input screen on the right side of Fig. 1-9. An example is shown.

Based on the processing result of the lender inquiry processing described later, the lender confirmation request notification NT4 is displayed on the home screen.
The lender confirmation request notification NT4 is configured to display an exclamation mark icon on the left side of the notification to alert the user of omission of confirmation. In addition, the message "A deficiency was found in the registered information" indicating that a deficiency was found in the entered lender information is displayed on the right side. In addition, the lender confirmation request notification NT4 displays characters indicating that the confirmation deadline for the lender information is "November 19, 2021".

As an example, not a limitation, when the user taps the lender confirmation request notification NT4, the display transitions to the balance certificate submission screen in the center of FIG. 2-1 as an example, not a limitation.

On this balance certificate submission screen, the characters of "refinancing plan", which is the target of confirmation of lender information, are displayed in the in-app location display area.
Below the in-app location display area, the message "You need to submit a balance certificate" is displayed to encourage the user to submit a balance certificate in order to obtain accurate lender information. Below that, the borrower verification button LC1 indicating the borrower for which the balance certificate needs to be submitted is displayed.

In the center of the lender collation button LC1, the characters "ZZ Finance", which is the name of the lender company to be re-inquired, are displayed. Further, on the lower left side of the lender collation button LC1, an icon indicating that the information of the balance certificate has not been registered is displayed with the characters "unregistered".

In addition, a message indicating the deadline for submitting the balance certificate is displayed at the bottom of the balance certificate submission screen. In this example, it is displayed that the submission deadline is "November 19, 2021".

Below that, the certificate submission button BT7, which is indicated by the letters "submit" for sending information about the balance certificate, is configured to be displayed. On this screen, the certificate submission button BT7 is displayed and invalidated in a grayed out display mode, as an example, but not a limitation, based on the existence of unregistered lenders as can be confirmed by the lender verification button LC1. ing.

As an example, not a limitation, when the borrower verification button LC1 is tapped by the user, the display transitions to the certificate acquisition screen on the right side of FIG. 2-1 as an example, not the limitation.

On this certificate acquisition screen, the characters "certificate submission" are displayed in the in-app location display area based on the tapping of the certificate submission button.
In the center of the certificate acquisition screen, as an example, not limited to, the certificate shooting button BT8 is tapped by the user, and the balance certificate is captured by the imaging unit 27, so that the characters "photographed documents" are below. It is configured to display the image of the document captured in.
Further, based on the imaging, the characters inside the certificate photographing button BT8 are changed from "shooting" to "reshooting".

Below the certificate shooting button BT8, the certificate registration button BT9 indicated by the characters "registration" for registering the captured image as the image of the certificate is configured to be displayed. When the image of the document is not captured, the certificate registration button BT9 can be displayed in a grayed out display mode and invalidated as an example, not limited to the case.

As an example, not a limitation, when the certificate registration button BT9 is tapped by the user, the display transitions to the balance certificate submission screen on the left side of FIG. 2-2 as an example, not the limitation.

On this balance certificate submission screen, the icon in the lender verification button LC1 is changed from the "unregistered" icon to the "registered" icon based on the acquisition of the image of the certificate. In addition, the certificate submission button BT7 is enabled by canceling the grayed out display mode.

In addition, unlike this screen diagram, when the lender verification button LC1 is tapped, the lender information input screen is displayed, and the lender information is reacquired by inputting to the input form. May be good.

As an example rather than a limitation, when the certificate submission button BT7 is tapped by the user, the display transitions to the home screen in the center of FIG. 2-2 as an example rather than the limitation.

On this home screen, under the in-app location display area, as an example, not limited, the borrower information was collated again by sending the image of the certificate, and the inconsistency of the borrower information was resolved. The lender information collation confirmation notice NT5 is displayed.
Further, below the lender information collation confirmation notification NT5, a transfer processing notification NT2 indicating that the alternative repayment transfer processing is being executed is displayed based on the collated lender information.

As an example, not a limitation, an example of the home screen when the transfer process to "ZZ Finance" is completed on "November 12, 2021" after the lapse of time is shown on the right side of FIG. 2-2.

On this home screen, a transfer processing completion notification NT6 indicating that the transfer processing to "ZZ Finance" has been completed is displayed below the position display area in the application. Further, under the transfer processing completion notification NT6, the contract document reissuance notification NT3 is displayed based on the calculation of the contract conditions.

Further, in the contract content display area CTR1, it is displayed that the loan interest rate has been updated to "12%" of the contract condition. Then, the loan balance is fixed at "290,000 yen" based on the image of the certificate, the next repayment date is "November 26, 2021", and the next repayment amount is "8," based on the loan repayment amount under the contract conditions. It is displayed that it has been confirmed at "700 yen".

Then, in the transaction history display area THR1, a transaction history indicating that the user borrowed "290,000 yen" from the lender on "November 26, 2021" is displayed.

<Processing>
FIG. 2-3 is a flowchart showing an example of the flow of processing executed by each device in this embodiment.
In this figure, an example of a process executed by the control unit 21 of the terminal 20A and a process executed by the control unit 11 of the server 10 is shown in order from the left side.

As an example, not a limitation, when it is determined that the pre-contract condition consent information has been received from the terminal 20A (S130: YES), the control unit 11 of the server 10 executes the lender inquiry process (S210).

In the lender inquiry process, the control unit 11 of the server 10 is not limited, but as an example, the user A. The credit information inquiry information for inquiring the personal credit information of A is transmitted to the designated credit information institution server (not shown) described above by the communication I / F14. Then, the control unit 11 of the server 10 receives the user A. from the designated credit information agency server. Upon receiving the personal credit information regarding A, the user A. recorded in the personal credit information. The balance of borrowed funds of A is collated with the borrower information.

As an example, not a limitation, if the borrower and the balance of the borrowed funds of the personal credit information and the borrower information match, the execution result of the borrower inquiry process is judged to be normal (S210: normal), and the server 10 The control unit 11 executes the steps after S140.

When it is determined that the main contract condition information has been received from the server 10 by the communication I / F 22 (A210: YES), the control unit 21 of the terminal 20A causes the display unit 24 to display the received main contract condition information (A160). When it is determined that the contract condition information is not received (A210: NO), the control unit 21 of the terminal 20A skips the step of A160.

As an example, not a limitation, when the borrower and the balance of the borrowed funds of the personal credit information and the borrower information are inconsistent, the control unit 11 of the server 10 determines that the execution result of the borrower inquiry process is abnormal (S210). : Abnormal), end the process.

If it is determined that the execution result of the borrower inquiry process is abnormal, the control unit 11 of the server 10 sends the borrower confirmation request information requesting the re-input of the borrower information to the terminal 20A by the communication I / F14. You may do it. Then, when the control unit 21 of the terminal 20A receives the borrower confirmation request information, the display unit 24 displays the received borrower confirmation request information. When the borrower information is re-input based on the user input for the borrower confirmation request information, the control unit 21 of the terminal 20A transmits the re-input borrower information to the server 10 by the communication I / F 22.

Here, as a method of re-inputting the borrower information, the control unit 21 of the terminal 20A captures the loan contract contract and the balance certificate by the image pickup unit 27, and includes the acquired image in the borrower information and transmits the image. You may do so.

When the borrower information is re-received from the terminal 20A, the control unit 11 of the server 10 may execute the borrower inquiry process again. When the borrower information includes an image of a contract or a balance certificate, the control unit 11 of the server 10 may perform OCR processing to acquire the borrowing balance of the borrowing loan contract. The control unit 11 of the server 10 may display the image of the borrower information on the display unit 13. Then, the user of the server 10 may visually check the displayed image to input the execution result of the borrower inquiry process by the input / output unit 12.

If it is determined that the execution result of the borrower inquiry process is abnormal, the control unit 11 of the server 10 may display the borrower confirmation request information on the display unit 13. Then, the user of the server 10 may contact the user of the terminal 20 by means such as a telephone based on the displayed borrower confirmation request information, and may perform re-verification of the borrower information.

<Effect of the second embodiment>
In this embodiment, if the control unit 11 of the server 10 has no error in the information for paying money to the first company included in the lender information (not limited, but an example of the first information), this contract condition The configuration for acquiring information (not limited, but an example of second interest rate information) is shown.
As an example of the effect of the embodiment obtained by such a configuration, the server may acquire the second interest rate information when the information for paying money to the first company included in the first information is correct. can. As an example, not a limitation, if the information required for payment (as an example, not a limitation, information on the payee's account, etc.) is correct, or if the information provided by the user of the terminal is used to make a payment? It is possible to obtain the second interest rate information when there is no such information.

Further, in this embodiment, the control unit 11 of the server 10 is included in the lender information (first information) based on the data stored in the device such as the server of the designated credit information institution, as an example without limitation. It shows the configuration which controls to judge the correctness of the information about a 1st company.
As an example of the effect of the embodiment obtained by such a configuration, the server stores the correctness of the information about the first company included in the first information including the information of the money borrowed from the first company by the user of the terminal. It is possible to make a simple and appropriate determination based on the collected data.

Further, in this embodiment, the borrower information received by the server 10 from the terminal 20 includes the information of the image captured by the image pickup unit 27 of the terminal 20.
As an example of the effect of the embodiment obtained by such a configuration, the server includes the information of the image captured by the image pickup unit of the terminal, and the first information including the information of the money borrowed from the first company by the user of the terminal. Can be received. In addition, the first information can be transmitted to the server by capturing the information on the borrowing of money on the terminal, and the user of the terminal does not have to manually input the information on the borrowing of money on the terminal. It is convenient for the user from the viewpoint of the side (user side).

<Second modification (1)>
In the above embodiment, when it is determined that the pre-contract condition consent information has been received from the terminal 20A (S130: YES), the control unit 11 of the server 10 has decided to execute the lender inquiry process, but the present invention is limited to this. Not done. As an example, not limited to this, when the control unit 11 of the server 10 receives the borrower information from the terminal 20A, the borrower inquiry process may be executed prior to the pre-contract condition calculation process.

In this case, if the control unit 11 of the server 10 determines that the execution result of the borrower inquiry process is normal, the process after the pre-contract condition calculation process may be executed. Further, if the control unit 11 of the server 10 determines that the execution result of the lender inquiry process is abnormal, the control unit 11 may transmit the loan contract impossible information to the terminal 20A by the communication I / F 14 without calculating the pre-contract condition. good. If the control unit 11 of the server 10 determines that the execution result of the borrower inquiry process is abnormal, the control unit 11 may transmit the borrower confirmation request information to the terminal 20A by the communication I / F14.

<Second modification (2)>
In the above embodiment, in the lender inquiry process, the personal credit information of the user who refinances and the borrowing balance of the lender information are collated, but the present invention is not limited to this. As an example, not a limitation, you may inquire whether or not the borrowing loan transfer destination information of the borrower information is appropriate.

In this case, as an example, not limited, if the name of the borrower company and the name of the receiving account match, it can be configured to determine that the borrower inquiry process is normal.

The control unit 11 of the server 10 may store the borrowed loan transfer destination information associated with the refinancing of another user and store it in the storage unit 15 to construct the borrowed loan transfer destination database. Then, the control unit 11 of the server 10 refers to the borrowing loan transfer destination database in the borrowing destination inquiry processing, and when the borrowing company name and the financial institution name / branch name match the past history, the borrowing destination inquiry processing May be configured to be normal.

Further, the control unit 11 of the server 10 may transmit the name inquiry information including the branch name and the transfer destination account number to the bank server corresponding to the financial institution name. When the bank server receives the name inquiry information, it refers to the account management database stored in the storage unit of the bank server and transmits the account name information in the name of the transfer destination account number to the server 10. Then, when the received account name information and the receiving account name of the borrowing loan transfer destination information match, the control unit 11 of the server 10 may be configured so that the borrowing destination inquiry processing is normal.

<Third Example>
In the above embodiment, the loan contract is illustrated as one contract, not as a limitation but as an example.
The third embodiment is not limited to an example, in which a user of the terminal 20 refinances a plurality of loan contracts with a loan provided by a money loan service provider. In this embodiment, it is assumed that the transfer process performed by the server 10 is successful. The case where the transfer process performed by the server 10 fails will be described in the fourth embodiment.

The contents described in the third embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already mentioned are designated by the same reference numerals, and the description thereof will be omitted again.

FIG. 3-1 is a data configuration example of the account management database 155B, which is an example of the account management database 155 in this embodiment.
Account management data is stored in the account management database 155B as management data for each account.

The application ID, the loan management data, and the lender registration data are stored in each account management data as an example without limitation.
The application ID and the loan management data are not limited, but can be configured in the same manner as the account management database 155A as an example.

In the borrower registration data, as an example, the borrower ID, the borrowing balance, the borrowing interest rate, the borrowing repayment amount, and other borrower information are stored in association with each other.

The borrower ID is information for identifying the loan contract.
This borrower ID is preferably a unique value for each loan contract, and is not limited, but as an example, when the server 10 receives the borrower information, the server 10 sets a unique value (unique value) for each account. It can be set and remembered.

In the following, the borrower registered in the nth line (“n” is a natural number) of the borrowing registration data is referred to as “nth borrower” as an example without limitation. Then, the borrowing loan contract from the "nth borrower" is referred to as "nth borrowing loan contract", the borrower information is referred to as "nth borrower information", and the borrowing loan transfer destination information is referred to as "nth borrowing loan transfer destination information". Refer to each.

<Display screen>
3-2 to 3-3 are diagrams showing an example of screen transitions displayed on the display unit 24 of the terminal 20 in this embodiment.

This display screen exemplifies two examples of borrowing loan contracts as an example, not a limitation. In the following, the borrowing loan contract with the borrower company name "XX Shinpan" shall be distinguished as the "first borrowing loan contract", and the borrowing loan contract with the borrower company name "YY loan" shall be distinguished as the "second borrowing loan contract". And. The borrower of the first loan contract and the second loan contract may be the same company.

The left side of FIG. 3-2 is not a limitation but an example of another example of the lender information input screen on the left side of FIG. 1-8.
On this lender information input screen, the characters "lender information 1" indicating that the first lender information is accepted are displayed below the position display area in the application. Below that, a form for accepting the first lender information is displayed.
On this screen, as the contents of the first borrowing loan contract, the borrower company name is "XX Shinpan", the borrowing balance is "100,000 yen", the borrowing interest rate is "annual interest 10%", and the borrowing repayment amount is "10". It is displayed that "000" yen and "2020 xx month xx day" have been entered as the contract date.

Below the borrower information input form, the message "Are there any other borrowers you would like to refinance?" Is displayed to confirm whether you want to refinance all other loan contracts at once. It is configured to be.
Below the message, there is a borrower confirmation button BT10 indicated by the letters "No" for refinancing only the first borrowing loan contract, and "Yes" for entering the borrower information regarding other borrowing loan contracts. It is configured so that the other lender information input button BT11 indicated by characters is displayed.

As an example, not limited to this, when the user taps the other lender information input button BT11, the lender information input screen is displayed again.
On this screen, the characters "lender information 2" indicating that the second lender information is accepted are displayed, and below that, a form for accepting the second lender information is displayed.
In this example, as the contents of the second borrowing loan contract, the borrower company name is "YY loan", the borrowing balance is "600,000 yen", the borrowing interest rate is "annual interest rate 15%", and the borrowing repayment amount is "20". It is assumed that "000" yen and "2020 yy month yy day" are entered as the contract date.

After that, when the borrower confirmation button BT10 is tapped by the user as an example rather than the limitation, the display transitions to the refinancing plan application confirmation screen in the center of FIG. 3-2 as an example instead of the limitation. This refinancing plan application confirmation screen is not limited, but is another example of the refinancing plan application confirmation screen in the center of FIG. 1-8.

On this screen, the first lender information is displayed in a list under the characters of "lender information 1" in the lender information confirmation area. Further, the second lender information is configured to be displayed in a list under the characters of "lender information 2".
In addition, the first lender information correction button FBT2 for correcting the first lender information and the second lender information correction button FBT3 for correcting the second lender information are displayed respectively. It is configured.
As an example, not a limitation, when the first lender information correction button FBT2 is tapped, the display returns to the input screen of the first lender information, and when the second lender information correction button FBT3 is tapped, the second borrowing The display returns to the destination information input screen.

When three or more lenders are specified by the user, similarly, the nth lender information is displayed in a list under the characters of "lender information n (" n "is a natural number)". It may be configured as such.

As an example, not the limitation, when the refinancing application button BT12 is tapped by the user, the display transitions to the refinancing plan application completion screen on the right side of FIG. 3-2 as an example, not the limitation.

Then, as an example, not limited, when the refinancing application end button BT13 is tapped by the user, the display transitions to the money loan application home screen.

As an example, not a limitation, when the user taps the examination completion notification on the home screen, the display transitions to the refinancing plan contract conclusion screen on the left side of FIG. 3-3 as an example, not the limitation.

On this screen, the pre-examination result display area PCT2 is not limited, but as an example, the loan balance is "700,000 yen", the loan interest rate is "14%", and the loan repayment amount is "23,000" as pre-contract conditions. The condition of "yen" is displayed and presented to the user.

As an example, not the limitation, when the refinancing contract button BT14 is tapped by the user, the display transitions to the borrowing loan transfer destination information input screen in the center of FIG. 3-3 as an example, not the limitation. This borrowing loan transfer destination information input screen is not limited, but is another example of the borrowing loan transfer destination information input screen on the right side of FIG. 1-9.

On this borrowing loan transfer destination information input screen, the characters of "XX Shinpan", which is the name of the borrowing company registered as the first borrowing destination information, are displayed together with the characters of "borrowing company name". There is. Below that, a form for accepting the first borrowing loan transfer destination information is displayed.

In addition, under the input form of the first borrowing loan transfer destination information, the characters "YY loan", which is the name of the borrowing company registered as the second borrowing destination information, are displayed together with the characters of "borrowing company name". It is configured to be. Below that, a form for accepting the second borrowing loan transfer destination information is displayed.

When three or more lenders are specified by the user, a form for accepting the nth lending loan transfer destination information is similarly displayed under the lender company name registered as the nth lender information. It may be configured as such.

After entering the information in the form that accepts each borrowing loan transfer destination information, when the user taps the borrowing loan transfer destination information registration button BT15, the home on the right side of Fig. 3-3 is not a limitation but an example. The display transitions to the screen.

On this home screen, under the in-app location display area, the transfer processing completion notification NT7 indicating that the transfer processing to "XX Shinpan" has been completed, and the transfer indicating that the transfer processing to "YY loan" has been completed. The processing completion notification NT8 is displayed.
Below those notices, the contract document reissue notice NT9 is displayed based on the calculation of the contract conditions.

Further, in the contract content display area CTR2, it is displayed that the loan interest rate has been updated to "13%" of the contract condition. Then, the loan balance was fixed at "700,000 yen", the next repayment date was fixed at "November 26, 2021", and the next repayment amount was fixed at "23,000 yen" based on the loan repayment amount under the contract conditions. Is displayed.

Then, in the transaction history display area THR2, a transaction history indicating that the user borrowed "700,000 yen" from the lender on "November 13, 2021" is displayed.

<Processing>
The process can be executed according to the flowchart of FIG. 2-3 as an example without limitation.
In the following, the borrowing balance included in the nth lender information (“n” is a natural number) is the “nth borrowing balance”, the borrowing interest rate is the “nth borrowing interest rate”, and the borrowing repayment amount is the “nth borrowing repayment amount”. ".

When the control unit 21 of the terminal 20A receives the first lender information and the second lender information (A110), the control unit 21 transmits the lender information including the first lender information and the second lender information by the communication I / F22. It is transmitted to the server 10 (A120).

In the pre-contract condition calculation process (S110), when the control unit 11 of the server 10 calculates the cap condition, the cap condition and the user A. Based on A's social score, the loan balance, loan interest rate, and loan repayment amount under the pre-contract conditions that satisfy the following conditions are calculated. As mentioned above, it is not essential to use the social score.
-Constraint 1'. The loan repayment amount does not exceed the total amount of the first borrowing repayment amount and the second borrowing repayment amount (hereinafter referred to as "total borrowing repayment amount").
That is, "total loan repayment amount ≥ loan repayment amount"
Here, the total loan repayment amount can be calculated as follows, as an example without limitation.
"Total loan repayment amount = 1st loan repayment amount + 2nd loan repayment amount"
-Constraint 2'. The loan interest rate does not exceed the interest rate obtained by averaging the interest rate of the borrowing loan contract repaid by refinancing based on the loan balance (hereinafter referred to as "weighted average borrowing interest rate").
That is, "weighted average borrowing rate ≥ lending rate"
Here, the weighted average borrowing rate can be calculated as follows, as an example without limitation.
"Weighted average borrowing interest rate = (first borrowing balance x first borrowing interest rate + second borrowing balance x second borrowing interest rate) ÷ (first borrowing balance + second borrowing balance)"

The total borrowing repayment amount and the weighted average borrowing interest rate are not limited to the calculation method by the above formula. As an example, rather than a limitation, the total borrowing repayment amount may or may not be calculated using each borrowing balance and the borrowing interest rate associated with it. Further, as an example, not limited, the weighted average borrowing rate may or may not be calculated as a simple average of each borrowing rate.

The conditions of constraint condition 1'and constraint condition 2'are not limited, but are, for example, conditions for satisfying the determination condition of exceptional lending in the stepwise refinancing, which is defined by the Money Lending Business Act.

・ Constraints 3. The loan interest rate and the loan repayment amount are equal to or greater than the cap condition, that is, "loan interest rate ≥ cap loan interest rate" and "loan repayment amount ≥ cap loan repayment amount".
This condition is not a limitation but, as an example, a condition for securing a margin for considering a case where some of the refinancing cannot be properly executed.

In the lender inquiry process (S210), the control unit 11 of the server 10 is not limited, but as an example, includes each lender and the balance of borrowed funds of personal credit information, and the first lender information and the second lender information. If the contents match, it is determined that the execution result of the lender inquiry process is normal (S210: normal), and the steps after S140 are executed.

In the alternative repayment transfer process (S140), the control unit 11 of the server 10 pre-concludes the financial institution account specified in the first borrowing loan transfer destination information from the financial financial account of the money loan service provider. The transfer request information for transferring or transferring the requested loan amount is transmitted to a financial institution server (not shown) by communication I / F14.
Similarly, the control unit 11 of the server 10 determines the loan amount from the financial financial account of the money loan service provider to the financial institution account specified in the second borrowing loan transfer destination information under the pre-contract conditions. The transfer request information for making a transfer or transfer is transmitted to a financial institution server (not shown) by communication I / F14.

When the transfer process is completed at each financial institution, the control unit 11 of the server 10 receives the transfer completion information from the financial institution server. Then, the control unit 11 of the server 10 deletes each record of the borrowing registration data for the borrower of the borrower ID for which the transfer process is successful. In addition, the loan balance of the loan management data is added based on the loan balance for which the transfer processing is successful.
In this embodiment, as described above, the transfer process is successful.

In the contract condition calculation process (S150), the control unit 11 of the server 10 recalculates the contract condition based on each borrowing balance for which the transfer has been completed in the alternative repayment transfer processing and the borrowing interest rate associated with the borrowing balance. do.
The above constraint condition 3. Based on this, there is a possibility that the loan interest rate and loan repayment amount will be given preferential treatment over the pre-contract conditions under this contract condition.

Further, it is also possible to calculate the pre-contract condition and the main contract condition by a calculation method different from the above, and any calculation method may be used. This may be considered as a method that does not use the constraint condition 3. The flow of processing can be the same as the above processing.

As an example, not a limitation, in the pre-contract condition calculation process (S110) of FIG. 2-3, the control unit 11 of the server 10 is stored in the storage unit 15. Based on A's social score, as an example, not a limitation, the loan interest rate under the pre-contract conditions is calculated as follows.
"Lending interest rate under pre-contract conditions" = "Weighted average borrowing interest rate" x "User coefficient"

Here, the "user coefficient" is not a limitation but, as an example, when the social score is larger than a predetermined value (an average value as an example, not a limitation), the value is smaller than "1" and the social score is smaller than the predetermined value. In this case, it may be a positive coefficient that takes a value larger than "1". The user coefficient is not limited, and as an example, when the social score is a predetermined value, "1" may be taken.

The user coefficient is not limited, but as an example, the user A. It may be calculated based on the credit information of A.

Further, as described above, it is not essential to use the social score, and it may be omitted.
As an example, not limited, "weighted average borrowing interest rate = loan interest rate under pre-contract conditions" may be used regardless of the social score. In addition, as an example, not limited to the interest rate, the interest rate is lowered from the weighted average borrowing interest rate by a set ratio (may be decided in consideration of the profit obtained by the money loan service provider) regardless of the social score. May be calculated as the loan interest rate under the pre-contract condition.

Further, the loan interest rate under the pre-contract condition may be calculated as follows.
"Lending interest rate under pre-contract conditions" = "Weighted average borrowing interest rate"-"User coefficient"
Here, the "user coefficient" is not a limitation but an example, and is a positive coefficient that takes a value larger than "0" when the social score is larger than a predetermined value (as an example, not a limitation, mean value-variance value). It may be.

Then, the control unit 11 of the server 10 is not limited, but as an example, based on the calculated loan interest rate of the pre-contract condition, the pre-contract condition is such that “total borrowing repayment amount ≧ loan repayment amount of the pre-contract condition”. Calculate the loan repayment amount and the loan balance.

Further, in the main contract condition calculation process (S150) of FIG. 2-3, the control unit 11 of the server 10 is not limited, but as an example, the main contract condition equal to the loan interest rate of the pre-contract condition calculated as described above. Calculate the loan interest rate.

By setting "N = 1", the above calculation method can be similarly applied to the case where the borrowing described in the first embodiment and the second embodiment is one contract.

Further, in the second embodiment, an embodiment in which the lender information declared by the user of the terminal 20 is inquired and whether or not the declaration is correct is verified / determined has been described. It is also possible to apply in combination with.
Specifically, the process of FIG. 2-3 is applied to the above embodiment, and in the lender introduction process of S210, the control unit 11 of the server 10 is not limited, but as an example, the user A. The credit information inquiry information for inquiring the personal credit information of A is transmitted to the designated credit information institution server (not shown) described above by the communication I / F14. Then, the control unit 11 of the server 10 receives the user A. from the designated credit information agency server. Upon receiving the personal credit information regarding A, the user A. recorded in the personal credit information. The balance of the borrowed funds of A is collated with the first lender information and the second lender information received from the terminal 20A. Then, for each of the first lender and the second lender, the lender and the balance of the borrowed funds of the personal credit information and the lender information (first lender information, second lender information) match. In this case, the execution result of the borrower inquiry process is determined to be normal (S210: normal), and the control unit 11 of the server 10 executes the steps after S140.

<Effect of the third embodiment>
In this embodiment, the communication I / F 14 of the server 10 includes first lender information (not limited to an example of the first information) including information on money borrowed from the first company by the user of the terminal 20, and the terminal 20. The user receives the second lender information (not limited, but an example of the second information) including the information of the money borrowed from the second company from the terminal 20. Then, the control unit 11 of the server 10 acquires pre-contract condition information (not limited, but an example of the first interest rate information) based on the first lender information and the second lender information, and the first lender. Based on the information and the second lender information, money is paid to the first company and the second company to perform payment processing, and based on the payment processing, this contract condition information regarding refinancing of the money borrowed by the user of the terminal 20 (Not limited, but an example of the second interest rate information) is shown.
As an example of the effect of the embodiment obtained by such a configuration, the server has the first information including the information of the money borrowed from the first company by the terminal user, and the money borrowed by the terminal user from the second company. After receiving the second information including the information of the above from the terminal, the first interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user of the terminal is acquired based on the first information and the second information. be able to. In addition, the server pays money to the first company and the second company based on the received first information and the second information, and the terminal user borrows the money based on the payment. Second interest rate information including interest rate information regarding refinancing of money can be obtained. This makes it possible to refinance the money borrowed by the terminal user from the first company and the money borrowed by the terminal user from the second company, and presents an appropriate interest rate to the terminal user. can do. Further, as an example without limitation, it is possible to calculate the first interest rate information so that the interest rate of the second interest rate information is equal to or lower than the interest rate of the first interest rate information.

Further, in this embodiment, the payment process performed by the server 10 transfers money to the account of the first company based on the first lender information (first information), and is the second based on the second lender information (second information). 2 The configuration including the process of transferring money to the account of a company is shown.
As an example of the effect of the embodiment obtained by such a configuration, the server transfers money to the account of the first company based on the first information including the information of the money borrowed from the first company by the user of the terminal, and the terminal It is possible to make a payment to each company by performing a process of transferring money to the account of the second company based on the second information including the information of the money borrowed from the second company by the user. In addition, payment can be made easily and appropriately by a general method of transfer.

<Third variant (1)>
In the above embodiment, the borrowing loan contract exemplifies two examples, but the present invention is not limited to this. As an example, not limited to, there may be three or more loan contracts.
In the following, we consider an example of switching between "N" loan contracts (where "N" is a natural number).

In this case, in the pre-contract condition calculation process, the total borrowing repayment amount under the constraint condition 1'can be calculated as follows, as an example without limitation.
Total loan repayment amount = 1st loan repayment amount + ... + nth loan repayment amount + ... + Nth loan repayment amount

The weighted average borrowing rate under constraint 2'can be calculated as follows.
Weighted average borrowing interest rate = (1st borrowing balance x 1st borrowing interest rate + ... + nth borrowing balance x nth borrowing interest rate + ... + Nth borrowing balance x Nth borrowing interest rate) ÷ (1st borrowing balance) ＋ ・ ・ ・ ＋ nth borrowing balance ＋ ・ ・ ・ ＋ Nth borrowing balance)

Then, the borrower inquiry process, the alternative repayment transfer process, and the contract condition calculation process can be executed in the same manner as when there are two loan contracts.

<Third variant (2)>
In the above embodiment, when the contract condition is calculated, the control unit 11 of the server 10 decides to transmit the contract condition information to the terminal 20A, but the present invention is not limited to this.
As an example, not a limitation, the control unit 11 of the server 10 updates each record of the loan management data based on the main contract condition after performing the main contract condition calculation process.

The control unit 21 of the terminal 20A determines, as an example, not a limitation, whether or not it is selected to acquire the present contract condition based on the user input. Then, when it is determined that the contract condition is to be acquired, the control unit 21 of the terminal 20A transmits the contract condition request information to the server 10 by the communication I / F 22.
When it is determined that the contract condition request information has been received from the terminal 20A by the communication I / F 14, the control unit 11 of the server 10 may transmit the contract condition information to the terminal 20A by the communication I / F 14.

In this modification, the control unit 11 of the server 10 controls to transmit the contract condition information (not limited, but an example of the second interest rate information) to the terminal 20 based on the input by the user of the terminal 20. Shows.
As an example of the effect of the embodiment obtained by such a configuration, the server can transmit the second interest rate information to the terminal based on the input to the terminal by the user of the terminal.
On the contrary, the second interest rate information may not be transmitted from the server to the terminal unless the user of the terminal inputs the information to the terminal.

<Third variant (3)>
In the above embodiment, the transfer (transfer) between financial institution accounts is executed in the alternative repayment transfer process, but the present invention is not limited to this. As an example, not limited to, if the lender supports repayment with electronic money, the repayment electronic money specified in the borrowing loan transfer destination information from the electronic money account of the money loan service provider in the alternative repayment transfer processing. Electronic money may be transferred to the account.
The process of remittance of electronic money can be an example of the payment process performed by the server 10 as well as the process of transfer (transfer).

<Fourth Example>
In the third embodiment, a case where the transfer (transfer) to all the lenders is successful in the alternative repayment transfer process is illustrated.
The fourth embodiment is an example in the case where at least one transfer (transfer) to the lender fails in the alternative repayment transfer process.

The contents described in the fourth embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already mentioned are designated by the same reference numerals, and the description thereof will be omitted again.

If the transfer to the lender fails, the total borrowing repayment amount and the weighted average borrowing interest rate in the pre-contract condition calculation process, and the total borrowing for the borrowing loan contract that the transfer process actually succeeded and the refinancing was confirmed. The amount of repayment and the weighted average borrowing rate may change. For this reason, if the pre-contract condition on the premise that all transfer processing is successful is used as it is as a transfer loan contract as a condition at the time of refinancing contract, the loan interest rate and loan repayment amount may be in the stepwise refinancing depending on the status of the transfer processing. There is a possibility that the conditions for determining exception lending will not be met.
In this case, the interest rate may be in violation of the law.

A concrete example will be given for easy understanding.
Here, as an example, not limited, a case where a user of one terminal 20 (hereinafter, simply referred to as “user”) is borrowing based on the following three contracts is considered as an example, not limited.
・ Contract A Borrowing balance 100,000 yen Borrowing interest rate 10% Borrowing repayment amount 10,000 yen ・ Contract B Borrowing balance 600,000 yen Borrowing interest rate 15% Borrowing repayment amount 20,000 yen ・ Contract C Borrowing balance 300,000 yen Borrowing interest rate 18% Borrowing repayment amount 10,000 yen In this case, the total borrowing repayment amount is calculated as "40,000 yen" and the weighted average borrowing interest rate is calculated as "15.4%".

Here, the control unit 11 of the server 10 lowers the interest rate of the user's pre-contract condition by "10.4" from the above-mentioned weighted average borrowing rate "15.4%" as an example, not by limitation. % ”. This is just an example.

It is assumed that the user agrees to the pre-contract conditions, but the transfer based on the contracts B and C fails as an example, not limited to the alternative repayment transfer process performed by the server 10. In this case, although the user agrees on the loan interest rate under the pre-contract condition of "14.4%", only contract A can refinance from the money loan service provider. In this case, if the user is loaned at the loan interest rate "14.4%" under the pre-contract condition, the maximum interest rate calculated based on the borrowing loan contract that can actually be refinanced (that is, calculated after the alternative repayment transfer). Since the weighted average borrowing rate (= borrowing rate of contract A) exceeds "10%", it is a violation of the law.
This can happen if there are two or more borrowing contracts and the transfer fails.

<Display screen>
FIG. 4-1 is a diagram showing an example of screen transitions displayed on the display unit 24 of the terminal 20 in this embodiment.

On this display screen, as an example, not limited to, the first loan contract with the borrower company name "XX Shinpan" and the second loan with the borrower company name "YY loan" are as in the third embodiment. An example of transfer from two lenders to a contract is illustrated.

As an example, not a limitation, there is an error in the first borrowing loan transfer destination information entered by the user on the borrowing loan transfer destination information input screen in the center of Fig. 3-3, and "XX Shinpan" is specified in the alternative repayment transfer process. It is assumed that the transfer process to the financial institution account of is unsuccessful.
An example of the home screen displayed in this case is shown on the left side of FIG. 4-1.

On this home screen, a transfer processing failure notification NT10 indicating that the transfer processing to "XX Shinpan" has failed is displayed under the transfer processing completion notification NT8 indicating that the transfer processing to "YY loan" has been completed. ing.

The transfer processing failure notification NT10 is configured to display an exclamation mark icon on the left side of the notification to alert the user of omission of confirmation. In addition, on the right side, there is a message "Failed to transfer to XX Shinpan" indicating that the transfer process to "XX Shinpan" has failed, and "Account information" prompting you to reconfirm the first borrowing loan transfer destination information. Please check "is displayed. Further, the transfer processing failure notification NT10 is configured to display characters indicating that the confirmation deadline of the first borrowing loan transfer destination information is "November 19, 2021".

Further, on this screen, it is displayed that the loan interest rate of the contract content display area CTR2 is "14%" based on the pre-contract condition. In addition, for the loan balance and the like, the characters "processing" are displayed based on the fact that the transfer processing to all the lenders has not been completed.

As an example, not a limitation, when the transfer processing failure notification NT10 is tapped by the user, the display transitions to the borrowing loan transfer destination information input screen in the center of FIG. 4-1 as an example, not the limitation.
On this borrowing loan transfer destination information input screen, the characters "XX Shinpan", which is the name of the borrower company registered as the first borrower information that failed in the transfer processing, are displayed together with the characters of "the borrower company name". It is configured as follows. Below that, a form for accepting the first borrowing loan transfer destination information that needs to be reconfirmed is displayed.

After re-entering the information in the form, as an example, not limited to, when the user taps the borrowing loan transfer destination information registration button BT16, the display transitions to the home screen.

The home screen on the right side of Fig. 4-1 is not limited, but as an example, after inputting the first borrowing loan transfer destination information on the borrowing loan transfer destination information input screen in the center of Fig. 4-1, the transfer process to "XX Shinpan" is performed again. Is an example of the display screen when is unsuccessful. Further, on this screen, consider the case where "November 20, 2020" is reached after the transfer process to "XX Shinpan" fails.

On this home screen, a transfer processing failure notification NT11 indicating that the transfer processing to "XX Shinpan" has failed is displayed below the in-app location display area.
In addition, under the transfer processing failure notification NT11, the contract document reissue notification NT12 is displayed because the contract conditions are calculated based on the second lender information of the "YY loan" that has succeeded in the transfer processing. There is.

Further, in the contract content display area CTR2, it is displayed that the loan interest rate does not change even under the contract conditions and is "14%". Then, the loan balance is fixed at "600,000 yen" based on the loan balance of "YY loan", the next repayment date is "November 26, 2021", and the next repayment amount is based on the loan repayment amount under the contract conditions. It is displayed that it has been confirmed as "20,000 yen".

Then, in the transaction history display area THR2, a transaction history indicating that the user borrowed "600,000 yen" from the lender on "November 20, 2021" is displayed.

That is, in this example, the first borrowing loan contract from "XX Shinpan" that failed in the transfer processing is not subject to the transfer loan, and only the second borrowing loan contract from "YY loan" is canceled, and the loan service. It means that the loan was transferred to the business operator.

<Processing>
The process in this embodiment will be described with reference to the flowchart.
As a method of performing the calculation by applying the processing of the flowchart described below, two calculation methods, the calculation method 1 and the calculation method 2, will be illustrated as an example without limitation. Either the calculation method 1 or the calculation method 2 may be used, and the processing flow can be the same.

<Calculation method 1>
In the calculation method 1, as an example, not limited to, the server 10 calculates a pre-contract condition in which the condition of the user who refinances is disadvantageous or equal to the cap condition on the premise that all the alternative repayment transfer processes are successful. Then, a transfer loan contract based on the pre-contract conditions is concluded with the user. After that, based on the result of the alternative repayment transfer process, the contract condition is calculated within the range that satisfies the judgment condition of the exception loan. Then, the user who refinances the transfer loan contract rather than the pre-contract condition renews the contract to the present contract condition which is advantageous or equal. This may be considered as a method using the above-mentioned constraint condition 3.

4-2 to 4-3 are flowcharts showing an example of the flow of processing executed by each device in this embodiment. This flowchart is not limited, but as an example, the flowchart of the first embodiment is extended when there are a plurality of lenders, and further, it is configured as a flowchart when the transfer process may fail in the alternative repayment transfer process. be.
In this figure, an example of a process executed by the control unit 21 of the terminal 20A and a process executed by the control unit 11 of the server 10 is shown in order from the left side.

In addition, in order to simplify the processing, the lender inquiry processing exemplified in the second embodiment is omitted in this flowchart. In consideration of the second embodiment, the control unit 11 of the server 10 executes the lender inquiry process (S210) when it is determined that the pre-contract condition consent information has been received (S130: YES) as an example, not a limitation. You may do so.

In the pre-contract condition calculation process, the control unit 11 of the server 10 is not limited, but as an example, the cap condition based on the first lender information and the second lender information, and the user A. stored in the storage unit 15. Based on the social score of A, the pre-contract condition satisfying the constraint condition 1', the constraint condition 2', and the constraint condition 3 is calculated.

When the control unit 11 of the server 10 executes the alternative repayment transfer process (S140) as an example, the control unit 11 is not limited to the nth borrowing loan transfer destination information in each lender ID (in this case, “n = 1 and 2”). Determines whether the alternative repayment transfer process based on is successful. When the alternative repayment transfer process based on the nth borrowing loan transfer destination information is successful in all the borrower IDs (in this case, "n = 1, 2") (S310: YES), the control unit 11 of the server 10 is set to the book. The contract condition calculation process is executed (S150).

On the other hand, it is assumed that the alternative repayment transfer process based on the nth borrowing loan transfer destination information fails in any of the borrower IDs. Here, as an example, not limited to the case where one of the two lenders fails in the alternative repayment transfer process. At this time, the lender ID that failed in the alternative repayment transfer process is set as the mth lender (“m” is a natural number). In this example, "m = 1 or 2".
The same can be said for the case where both of the two lenders fail (“m” = “1” and “2”).

When the alternative repayment transfer process based on the m-th borrowing loan transfer destination information fails (S310: NO), the control unit 11 of the server 10 is not limited, but as an example, the number of days elapsed since receiving the pre-contract condition consent information. Determines whether or not is within the set number of days (not limited, but as an example, "7 days") (S320). The control unit 11 of the server 10 may determine, for example, whether or not the number of days elapsed since receiving the pre-contract condition consent information is less than the set number of days. Further, the starting date of the elapsed days may be set after the pre-contract condition information is transmitted.

When it is determined that the number of days elapsed since receiving the pre-contract condition consent information is within the set number of days (S320: YES), the control unit 11 of the server 10 is not limited, but as an example, the m-th borrowing loan transfer destination information. The transfer destination information confirmation request information for requesting reconfirmation is transmitted to the terminal 20A by the communication I / F14 (S330).
If the alternative repayment transfer process fails for a plurality of lender IDs (not limited to, as an example, “m” = “1” and “2”), the control unit 11 of the server 10 will use all the failed lenders. Send the transfer destination information confirmation request information for requesting reconfirmation of the mth borrowing loan transfer destination information in the ID (in this case, "m" = "1" and "2") to the terminal 20A by the communication I / F14. You may do it.

As an example, not a limitation, when the pre-contract condition consent information is transmitted to the server 10 (A150), whether or not the control unit 21 of the terminal 20A has received the transfer destination information or the confirmation request information from the server 10 by the communication I / F22. (A310).

When it is determined that the transfer destination information confirmation request information has been received (A310: YES), the control unit 21 of the terminal 20A causes the display unit 24 to display the received transfer destination information confirmation request information (A320). As an example, not limited to, when the borrowing loan transfer destination information (m borrowing loan transfer destination information) in the borrower ID where the transfer processing failed is acquired based on the user input for the displayed transfer destination information confirmation request information, the terminal The control unit 21 of 20A transmits the borrowed loan transfer destination confirmation information including the received borrowed loan transfer destination information to the server 10 by the communication I / F 22 (A330). Then, the control unit 21 of the terminal 20A returns the process to the step of the A310 as an example, not a limitation.

When it is determined that the transfer destination information confirmation request information is not received (A310: NO), the control unit 21 of the terminal 20A waits for the reception of the contract condition information and executes the step of A160.

When the borrowed loan transfer destination confirmation information is received from the terminal 20A by the communication I / F 14, the control unit 11 of the server 10 updates the m borrowed loan transfer destination information based on the received borrowed loan transfer destination confirmation information. When a plurality of borrowing loan transfer destination information is received (not limited, but as an example, "m" = "1" and "2"), the control unit 11 of the server 10 has a plurality of m borrowing loan transfer destination information. May be updated.

Then, the control unit 11 of the server 10 executes the alternative repayment transfer process again at the borrower ID for which the repayment transfer process has not been completed, based on the updated borrowing loan transfer destination information (S140).

The control unit 11 of the server 10 is not limited, but as an example, is limited when it is determined that the borrowed loan transfer destination confirmation information is not received from the terminal 20A after the set number of days has elapsed after receiving the pre-contract condition consent information. Instead, as an example, the present contract condition calculation process may be executed (S150).

When it is determined that the number of days elapsed since receiving the pre-contract condition consent information exceeds the set number of days (S320: NO), the control unit 11 of the server 10 executes the present contract condition calculation process as an example, not a limitation. (S150).

In the contract condition calculation process, the control unit 11 of the server 10 recalculates the total borrowing repayment amount and the weighted average borrowing rate with respect to the borrower information for which the alternative repayment transfer processing is successful.

As an example, not a limitation, if the alternative repayment transfer process is successful only for the first lender, “total borrowing repayment amount = first borrowing repayment amount” and “weighted average borrowing interest rate = first borrowing interest rate”.
Further, as an example, not limited, when the alternative repayment transfer process is successful only for the second lender, “total borrowing repayment amount = second borrowing repayment amount” and “weighted average borrowing interest rate = second borrowing interest rate”.
If the alternative repayment transfer process is successful between the first lender and the second lender, as described above, "total borrowing repayment amount = first borrowing repayment amount + second borrowing repayment amount", "weighted average borrowing interest rate = ( 1st borrowing balance x 1st borrowing interest rate + 2nd borrowing balance x 2nd borrowing interest rate) / (1st borrowing balance + 2nd borrowing balance) ".

Then, the control unit 11 of the server 10 is not limited, but as an example, is based on the nth borrowing balance of each borrower ID whose transfer is completed in the alternative repayment transfer processing and the nth borrowing interest rate linked to the nth borrowing balance. Then, the cap loan interest rate is calculated based on the theory of calculating the cap interest rate. In addition, the loan balance is calculated based on the total loan repayment amount.

Then, the control unit 11 of the server 10 is not limited, but as an example, the loan under the contract conditions is satisfied so that the following constraint conditions A to D are satisfied and the evaluation function “| loan interest rate-cap loan interest rate |” is minimized. The interest rate and loan repayment amount are calculated using the Nelder-Mead method, which is a solution to the optimization problem, as an example, not a limitation.
・ Constraint A: "Weighted average borrowing rate ≥ lending rate"
・ Constraint B: “Lending interest rate under pre-contract conditions ≧ Lending interest rate”
・ Constraint C: "Total loan repayment amount ≥ Loan repayment amount"
-Constraint D: "Lending repayment amount of pre-contract conditions ≥ loan repayment amount"
In addition, "cap loan interest rate> loan interest rate" (loan interest rate that the money loan service provider may lose) may be used.

However, the weighted average borrowing rate of constraint condition A is the weighted average borrowing rate recalculated after the above alternative repayment transfer process, and is the weighted average borrowing rate used when calculating the pre-contract condition (alternative). It is not the weighted average borrowing rate before the repayment transfer process).

According to the above calculation method, the loan interest rate and the loan repayment amount under the contract conditions are unknown as an example, not the limitation, and the evaluation function "| loan interest rate-" is used as an example, not the limitation, under the constraints A to D. The solution that minimizes the cap lending interest rate | "can be obtained by the algorithm (optimization calculation) of the optimization problem.

The contract condition calculated here satisfies the condition for determining the exception loan in the stepwise refinancing regardless of the transfer processing result of the alternative repayment transfer processing. Therefore, it does not violate the above-mentioned laws and regulations.

Further, in this calculation method, the refinancing condition may be more advantageous to the refinancing user than the pre-contract condition. At the very least, there is no disadvantage in the main contract conditions over the pre-contract conditions.

A specific example shown at the beginning of this embodiment will be described.
Based on the specific example described above, if only Contract A succeeds in the transfer process of the alternative repayment transfer process, the recalculated weighted average borrowing rate will be "10%".
Further, as an example, not limited, it is assumed that the cap loan interest rate is calculated as "8%" based on the borrowing balance of the contract A and the borrowing interest rate.
At this time, the loan interest rate is not limited but is a solution between "8%" and "10%" as an example by the above optimization method, and is as close as possible to "8%". It is calculated as "0.5%".

In the process of calculating the contract conditions, when the cap loan interest rate exceeds the loan interest rate of the pre-contract conditions, the control unit 11 of the server 10 does not calculate the loan interest rate of the contract conditions as an example, and the pre-contract is not limited. The loan interest rate of the condition may be used as it is as the loan interest rate of the contract condition.

Finally, the control unit 11 of the server 10 updates each record of the loan management data based on the loan interest rate, the loan repayment amount, and the loan balance under the calculated contract conditions.

If the alternative repayment transfer process fails at all the lenders in the alternative repayment transfer process, the control unit 11 of the server 10 fails in the refinancing loan process in the present contract condition calculation process. May be sent. Then, the control unit 11 of the server 10 may delete the record of the borrower registration data and restore the updated loan management data.

The same can be applied when the number of loan contracts is three or more.
When switching between "N" loan contracts (where "N" is a natural number), the total loan repayment amount and the weighted average loan interest rate in the pre-contract condition calculation process are not limited, but should be calculated as follows. Can be done.
Total Borrowing Repayment Amount = 1st Borrowing Repayment Amount + ... + nth Borrowing Repayment Amount + ... + Nth Borrowing Repayment Amount Weighted Average Borrowing Interest = (1st Borrowing Balance x 1st Borrowing Interest Rate + ... + Nth borrowing balance x nth borrowing interest rate + ... + Nth borrowing balance x Nth borrowing interest rate) ÷ (1st borrowing balance + ... + nth borrowing balance + ... + Nth borrowing balance)

In addition, the total borrowing repayment amount and the weighted average borrowing interest rate in this contract condition calculation process are "n = m" from the above formula, assuming that the borrower ID for which the alternative repayment transfer process has not been completed is the mth borrower. It is the one that omits the item.

In the calculation method 1, by performing the calculation using the constraint condition 3, it is possible to obtain an interest rate of an appropriate balance in consideration of the profit of the money loan service provider and the merit of the user as an example, not limited.
The same can be said for other examples when the method of performing the calculation using the constraint condition 3 is used.

<Calculation method 2>
Next, the calculation method 2 will be described. The calculation method 2 may be considered as a method that does not use the constraint condition 3. The flow of processing can be the same as the above processing.

As an example, not a limitation, in the pre-contract condition calculation process (S110) of FIG. 4-2, the control unit 11 of the server 10 is not a limitation but an example as follows, as described in the third embodiment. Calculate the loan interest rate under the pre-contract conditions.
"Lending interest rate under pre-contract conditions" = "Weighted average borrowing interest rate" x "User coefficient"

Here, the "user coefficient" is not a limitation but, as an example, when the social score is larger than a predetermined value (an average value as an example, not a limitation), the value is smaller than "1" and the social score is smaller than the predetermined value. In this case, it may be a positive coefficient that takes a value larger than "1". The user coefficient is not limited, and as an example, when the social score is a predetermined value, "1" may be taken.

Also, as mentioned above, it is not essential to use social scores. Further, the user coefficient is not limited, and as an example, the user A. It may be calculated based on the credit information of A.

Further, the loan interest rate under the pre-contract condition may be calculated as follows.
"Lending interest rate under pre-contract conditions" = "Weighted average borrowing interest rate"-"User coefficient"
Here, the "user coefficient" is not a limitation but an example, and is a positive coefficient that takes a value larger than "0" when the social score is larger than a predetermined value (as an example, not a limitation, mean value-variance value). It may be.

Then, the control unit 11 of the server 10 is not limited, but as an example, based on the calculated loan interest rate of the pre-contract condition, the pre-contract condition is such that “total borrowing repayment amount ≧ loan repayment amount of the pre-contract condition”. Calculate the loan repayment amount and the loan balance.

If there is a transfer that failed in the alternative repayment transfer process (S140) of FIG. 4-3, the control unit 11 of the server 10 succeeds in the alternative repayment transfer process in the main contract condition calculation process (S150) of FIG. 4-3. When the total borrowing repayment amount and the weighted average borrowing interest rate are recalculated with respect to the borrower information, the contract conditions are calculated as follows, not as a limitation but as an example.
"Lending interest rate under the main contract condition" = "min (weighted average borrowing interest rate, loan interest rate under the pre-contract condition)"
"Loan repayment amount under the terms of this contract" = "Total loan repayment amount"
"Loan balance under the terms of this contract" = Sum of borrowing balances that were successfully transferred in the alternative repayment transfer process

In other words, both the pre-contract conditions and the main contract conditions do not violate the law because they meet the conditions for determining exception lending in staged refinancing, which are stipulated by the Money Lending Business Act of Japan.

For the sake of clarity, the following specific examples shown at the beginning of this embodiment will be described in detail.
・ Contract A Borrowing balance 100,000 yen Borrowing interest rate 10% Borrowing repayment amount 10,000 yen ・ Contract B Borrowing balance 600,000 yen Borrowing interest rate 15% Borrowing repayment amount 20,000 yen ・ Contract C Borrowing balance 300,000 yen Borrowing interest rate 18% Borrowing repayment amount 10,000 yen Total borrowing repayment amount "40,000 yen", weighted average borrowing interest rate "15.4%"

Further, as described above, the control unit 11 of the server 10 calculates the interest rate of the user's pre-contract condition as "14.4%", which is the weighted average borrowing interest rate "15.4%" lowered by "1%". It shall be assumed that it was done. As described above, the user's social score may or may not be used in calculating the interest rate under the pre-contract condition.

Under these conditions (premise), the calculation results are illustrated for some cases including the case where the transfer fails. The weighted average borrowing rate in the following calculation results is the weighted average borrowing rate that is recalculated after the above-mentioned alternative repayment transfer process is performed.

(Case 1) When only contract A is successful in transfer (example of transfer failure illustrated at the beginning)
By recalculation, the weighted average borrowing rate will be 10% and the loan repayment amount will be 10,000 yen.
So in this case,
Loan interest rate under the terms of this contract = min (10%, 14.4%) = 10%
Is calculated.
In other words, since this case violates the law, the recalculated weighted average borrowing rate is used as the loan interest rate under the terms of this contract.

(Case 2) If only contract C is successful in transfer, the weighted average borrowing rate will be 18% and the loan repayment amount will be 10,000 yen by recalculation.
So in this case,
Loan interest rate under the terms of this contract = min (18%, 14.4%) = 14.4%
Is calculated.
In other words, since this case does not violate the law, the loan interest rate under the pre-contract conditions is maintained.

(Case 3) When contracts A and B are successful transfers By recalculation, the weighted average borrowing rate will be 14.29% and the loan repayment amount will be 30,000 yen.
So in this case,
Loan interest rate under the terms of this contract = min (14.29%, 14.4%) = 14.29%
Is calculated.
In other words, since this case violates the law, the recalculated weighted average borrowing rate is used as the loan interest rate under the terms of this contract.

(Case 4) When contracts B and C are successful transfers By recalculation, the weighted average borrowing rate will be 16% and the loan repayment amount will be 30,000 yen.
So in this case,
Loan interest rate under the terms of this contract = min (16%, 14.4%) = 14.4%
Is calculated.
In other words, since this case does not violate the law, the loan interest rate under the pre-contract conditions is maintained.

(Case 5) When all contracts A, B, and C are successful transfers In this case,
Loan interest rate under the main contract condition = min (14.4%, 14.4%) = 14.4% (loan interest rate under the main contract condition = loan interest rate under the pre-contract condition = 14.4%)
Is calculated.
In this case, all transfers are successful, so there is no problem of legal violation.

Similarly, in other cases, as an example, if the weighted average borrowing rate after alternative repayment transfer processing exceeds the loan interest rate under the pre-contract condition, the loan interest rate under the pre-contract condition is regarded as the loan interest rate under the main contract condition. To do so. If the weighted average borrowing rate after the alternative repayment transfer process is less than or equal to the loan interest rate under the pre-contract condition, the weighted average borrowing rate after the alternative repayment transfer process shall be the loan interest rate under the main contract condition. By doing so, it is possible to prevent the violation of laws and regulations.

As an example, not the limitation, when the loan balance of the contract condition is calculated to be "0", the control unit 11 of the server 10 fails to lend the refinancing loan as an example, not the limitation. The contract condition information may be transmitted to the terminal 20.

Further, when there is only one lender and the transfer fails in the alternative repayment transfer process, the control unit 11 of the server 10 fails to lend the refinancing loan as an example, not limited to this contract condition. The information may be transmitted to the terminal 20.

Further, when there is only one lender, the control unit 11 of the server 10 calculates the contract condition as follows, not as a limitation but as an example, when the transfer is successful in the alternative repayment transfer processing. You may do so.
"Lending interest rate under the main contract conditions" = "Lending interest rate under the pre-contract conditions"
"Loan repayment amount under the main contract conditions" = "Loan repayment amount under the pre-contract conditions"
"Loan balance under the main contract conditions" = "Loan balance under the pre-contract conditions"

As described above, "weighted average borrowing interest rate = loan interest rate under pre-contract conditions" may be used. That is, in the above specific example, "the loan interest rate under the pre-contract condition = the weighted average borrowing interest rate = 15.4%" may be used.

In addition, the above calculation method for interest rates, etc. is merely an example of the case of Japan, and is not limited to this. Similar to the above calculation method 1 and calculation method 2 so that the statutory interest rate of each country and related laws and regulations may be observed even if the same problem arises in other countries due to the same idea as above. It is possible to acquire (calculate) interest rates, etc. based on the concept of.

<Effect of Fourth Example>
In this embodiment, when the control unit 11 of the server 10 fails to pay the first company based on the first lender information (not limited, but an example of the first information) in the payment process, the second lender It shows a configuration for acquiring pre-contract condition information (an example of a second interest rate information, not a limitation) determined based on information (an example of a second information, not a limitation).
As an example of the effect of the embodiment obtained by such a configuration, the server fails to pay the first company based on the first information including the information of the money borrowed from the first company by the terminal user in the payment processing. Even in this case, the user of the terminal can appropriately acquire the second interest rate information by acquiring the second interest rate information determined based on the second information including the information of the money borrowed from the second company. Can be done.

Further, in this case, the control unit 11 of the server 10 has the recalculated weighted average borrowing interest rate (not limited, but an example of the upper limit of the interest rate calculated based on the second information) as the loan interest rate under the pre-contract condition (limited). Instead, if it is lower than the interest rate of the first interest rate information), the loan interest rate under the contract conditions (not limited, but an example of the interest rate of the second interest rate information) may be calculated.
As an example of the effect of the embodiment obtained by such a configuration, the server calculates the interest rate of the second interest rate information when the upper limit of the interest rate calculated based on the second information is lower than the interest rate of the first interest rate information. be able to. In this case, as described above, the interest rate of the second interest rate information that does not violate the laws and regulations related to the interest rate can be calculated as an example without limitation.

Further, in this embodiment, the first lender information includes the transfer account number of the first company (not limited, but an example of the first account number), and the control unit 11 of the server 10 makes an error in this transfer account number. If there is, the configuration is shown in which the transfer destination information confirmation request information (not limited, but an example of information for inputting the first account number) is controlled to be transmitted to the terminal 20 by the communication I / F14.
As an example of the effect of the embodiment obtained by such a configuration, the server uses the information of the first account number of the first company included in the first information including the information of the money borrowed from the first company by the user of the terminal. If the first account number is incorrect, information for inputting the first account number can be sent to the terminal so that the user of the terminal can input the first account number.

Further, in this embodiment, if the control unit 11 of the server 10 is not performed within the period in which the user of the terminal 20 inputs the transfer account number to the transfer destination information confirmation request information, the first step is made. 2 The configuration is shown in which control is performed to acquire the contract condition information (an example of the second interest rate information, not the limitation) based on the transfer destination information (an example of the second information, not the limitation).
As an example of the effect of the embodiment obtained by such a configuration, the server uses the information of the first account number of the first company included in the first information including the information of the money borrowed from the first company by the user of the terminal. If the first account number is incorrect and the terminal user does not enter the information for entering the first account number within the set period, the terminal user is the second. It is possible to obtain the second interest rate information based on the second information including the information of the money borrowed from the company.

<Fourth variant (1)>
In the above embodiment, in the alternative repayment transfer process, the transfer to the financial institution account is executed without collating the borrowing loan transfer destination information, but the present invention is not limited to this. As an example without limitation, the control unit 11 of the server 10 may execute the borrowing loan transfer destination information collation process and transmit the transfer request information to the financial institution server (not shown) by the communication I / F 14.

As an example, not limited to, the control unit 11 of the server 10 accumulates the borrowed loan transfer destination information accompanying the refinancing of another user and stores it in the storage unit 15 to construct the borrowed loan transfer destination database. Then, the control unit 11 of the server 10 refers to the borrowing loan transfer destination database in the borrowing loan transfer destination information collation process, and if the borrower company name and the financial institution name / branch name match the past history, the transfer is made. The request information may be sent to the financial institution server.

Further, in the borrowing loan transfer destination information collation process, the control unit 11 of the server 10 may transmit the name inquiry information including the branch name and the transfer destination account number to the bank server corresponding to the financial institution name. When the bank server receives the name inquiry information, it refers to the account management database stored in the storage unit of the bank server and transmits the account name information in the name of the transfer destination account number to the server 10. Then, the control unit 11 of the server 10 may transmit the transfer request information to the financial institution server when the received account name information and the receiving account name of the borrowed loan transfer destination information match.

If it is determined that the nth borrowing loan transfer destination information is invalid as a result of the borrowing loan transfer destination information collation process, the control unit 11 of the server 10 displays the nth borrowing destination confirmation request information on the display unit 13. You may let me do it. Then, the user of the server 10 may contact the user of the terminal 20 by means such as a telephone based on the displayed nth borrower confirmation request information, and collate the nth borrower information.

In this modification, the server 10 uses the data stored in the storage unit 15 such as the borrowing loan transfer destination database (an example of the stored data, not the limitation) and the first borrower information (the first, not the limitation). Based on (an example of information) and second lender information (an example of second information, not limitation), a configuration is shown in which payment processing is performed to the first company and the second company.
As an example of the effect of the embodiment obtained by such a configuration, the server has a first information including stored data, information of money borrowed from the first company by the user of the terminal, and a second information by the user of the terminal. It is possible to easily and appropriately pay money to the first company and the second company based on the second information including the information of the money borrowed from the company.

<Fifth Example>
In the above embodiment, an example of acquiring the lender information by the user input to the lender information input form in the lender information reception process is exemplified. The fifth embodiment is not limited to an example, and is an example in which the borrower information is acquired by imaging the contract document of the borrower with the image pickup unit 27.

The contents described in the fifth embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already mentioned are designated by the same reference numerals, and the description thereof will be omitted again.

<Display screen>
FIG. 5-1 is a diagram showing an example of screen transitions displayed on the display unit 24 of the terminal 20 in this embodiment.
FIG. 5-1 is not a limitation but an example of another example of the lender information input screen on the left side of FIG. 3-2.

In this borrower information input screen, the borrower acceptance button LIG1 for acquiring the first borrower information is displayed below the position display area in the application.

In the center of the lender acceptance button LIG1, the characters "lender 1" indicating that the first lender information is to be acquired are displayed. Further, on the lower left side of the lender acceptance button LIG1, an icon indicating that the first lender information has not been acquired is displayed with the characters "unregistered".

As an example, not a limitation, when the borrower acceptance button LIG1 is tapped by user input, the borrower acquisition method selection area ISR1 for selecting a borrower information acquisition method from the bottom of the screen rises as an example, not a limitation. It is configured to be displayed.

In the lender acquisition method selection area ISR1, under the message "Please select the lender information input method", as an example, not limited to, with the characters "manual input" to acquire by form input. The borrower information manual acquisition button BT17 shown and the borrower information imaging acquisition button BT18 for acquiring by imaging the contract document are configured to be displayed.

As an example, not the limitation, when the lender information manual acquisition button BT17 is tapped, the same lender information input screen as on the left side of FIG. 3-2 is displayed as an example, not the limitation.

As an example, not the limitation, when the borrower information imaging acquisition button BT18 is tapped, the display transitions to the contract document acquisition screen on the right side of FIG. 5-1 as an example, not the limitation.

On this contract document acquisition screen, the characters "contract document shooting" are displayed in the position display area in the application based on the tapping of the borrower information imaging acquisition button.
In the center of the contract document acquisition screen, as an example, not limited to, the contract document shooting button BT19 is tapped by the user, and the contract document is imaged by the imaging unit 27, so that the characters under the characters "photographed document" are displayed. It is configured to display the image of the captured document.
Further, based on the fact that the image was taken, the characters inside the contract document shooting button BT19 are changed from "shooting" to "reshooting".

Below the contract document shooting button BT19, the contract document registration button BT20 indicated by the characters "registration" for registering the captured image as the image of the contract document is configured to be displayed. When the image of the document is not captured, the contract document registration button BT20 is displayed in a grayed out display mode and is invalidated as an example, not limited to the case.

As an example, not the limitation, when the contract document registration button BT20 is tapped by the user, the display transitions to the lender information input screen on the right side of FIG. 5-1 as an example, not the limitation.

On this lender information input screen, the icon in the lender reception button LIG1 is changed from the "unregistered" icon to the "registered" icon based on the acquisition of the image of the contract document. Further, in the lender reception button LIG1, the characters "XX Shinpan", which is the name of the lender company acquired as the first lender information, are displayed.

Further, below the borrower acceptance button LIG1, the borrower acceptance button LIG2 for acquiring the second borrower information is configured to be displayed.
Similarly, when the acquisition of the nth lender information is executed, the lender acceptance button for acquiring the n + 1 lender information is displayed in a continuous manner below.

As an example, not a limitation, when the user taps the lender information confirmation button BT1, the refinancing plan application confirmation similar to the center of Fig. 3-2 is used as an example, not a limitation, to confirm the registered lender information. The display transitions to the screen.

<Processing>
The control unit 21 of the terminal 20A acquires the contract document image information by the image pickup unit 27 in the borrower information reception process (A110) as an example, not limited to. Then, the control unit 21 of the terminal 20A transmits the acquired contract document image information to the server 10 by the communication I / F 22.

When the contract document image information is received from the terminal 20A by the communication I / F 14, the control unit 11 of the server 10 executes OCR processing on the contract document image information as an example, and acquires the borrower information.

The OCR process is not limited to being executed on the server 10. As an example, not a limitation, the control unit 21 of the terminal 20A executes OCR processing on the contract document image information and acquires the borrower information. Then, the control unit 21 of the terminal 20A may transmit the acquired borrower information to the server 10 by the communication I / F 22.

<Effect of the fifth embodiment>
In this embodiment, the first lender information (an example of the first information, not the limitation) and the second lender information (an example of the second information, not the limitation) are imaged by the image pickup unit 27 of the terminal 20. The configuration including the information of the image is shown.
As an example of the effect of the embodiment obtained by such a configuration, the server includes the information of the image captured by the image pickup unit of the terminal, and the first information including the information of the money borrowed from the first company by the user of the terminal. And the second information including the information of the money borrowed from the second company by the user of the terminal can be received. In addition, the first information and the second information can be transmitted to the server by capturing the information on the borrowing of money on the terminal, and the user of the terminal does not manually input the information on the borrowing of money. Therefore, it is convenient for the user from the viewpoint of the terminal side (user side).

<Sixth Example>
In the above embodiment, the control unit 11 of the server 10 exemplifies an example in which the processing is terminated when the contract condition information is transmitted to the terminal 20.
The sixth embodiment is an example relating to the repayment of the refinancing loan based on the contract condition information.

The contents described in the sixth embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already mentioned are designated by the same reference numerals, and the description thereof will be omitted again.

<Display screen>
FIG. 6-1 is a diagram showing an example of screen transitions displayed on the display unit 24 of the terminal 20 in this embodiment.
On the left side of Fig. 6-1 as an example, not limited, time has passed from the home screen on the right side of Fig. 3-3, and the user of terminal 20A forgot to repay the refinancing loan, saying "December 2, 2021". An example of the home screen displayed when the problem occurs is shown below.

On this home screen, a reminder notification NT13 is displayed below the in-app location display area, as an example, not limited to, based on the fact that the refinancing loan repayment for "November" has not been completed.

The reminder notification NT13 is configured to display an exclamation mark icon on the left side of the notification to alert the user of omission of confirmation. Also, on the right side of it, the message "Payment deadline has passed" indicating that the loan repayment is overdue is displayed.

In addition, on this home screen, the characters "delinquent amount", which is the amount of repayment delinquent, are displayed at the bottom of the contract content display area CTR2, and the delinquent amount is "25,000 yen" to the right. Is configured to be highlighted. Below the delinquent amount, as an example, but not a limitation, the delinquent money repayment button PBB1 indicated by the characters "repay" for repayment of the delinquent amount using electronic money affiliated with the server 10 operator is displayed. It is configured to be.

Further, in the contract content display area CTR2, it is displayed that the next repayment date is "December 26, 2021".

As an example, but not a limitation, when the user taps the delinquent repayment button PBB1, the payment application is launched. The center of FIG. 6-1 is not a limitation but an example of a remittance screen that automatically transitions after the payment application is started.

This screen is configured to display the characters "Payment App", which is the name of the payment application, in the center of the top of the screen.
In addition, in the in-app position display area, the characters "remittance" indicating that the screen is a remittance screen are displayed.

Below the in-app location display area, the text "Please specify the amount" is configured to prompt the user to specify the remittance amount. Below that, a monetary amount designation area for designating the remittance amount is displayed. On this screen, in the amount designation area, "25,000 yen", which is the delinquent amount inherited from the money loan application, is displayed in a state of being input.

Below the amount designation area, the remittance destination designation area indicating the remittance destination is displayed. On this screen, the repayment electronic money account of the money loan service is displayed as the remittance destination as the remittance destination inherited from the money loan application.

At the bottom of the remittance screen, an electronic money remittance button indicated by the characters "Remittance" for remittance of the remittance amount set in the remittance destination designated area to the electronic money account designated in the remittance destination designated area. TBT1 is configured to be displayed.

As an example, not limited, when the electronic money remittance button TBT1 is tapped by the user and the electronic money remittance is successful, the display transitions to the money loan application home screen on the right side of FIG. 6-1 as an example, not limited.

On this home screen, the delinquent money repayment confirmation notification NT14 is displayed below the in-app position display area, as an example, not limited to, based on the repayment of the delinquent amount.
The delinquent money repayment confirmation notification NT14 is configured to display the message "The delinquent money has been repaid" on the right side of the bell mark icon.

Further, in the contract content display area CTR2, it is displayed that the display item of the delinquent amount has disappeared and the loan balance has been reduced to "680,000 yen".

Then, in the transaction history display area THR2, in addition to the transaction history indicating that the user borrowed "700,000 yen" from the lender on "November 13, 2021", "December 2, 2021" The transaction history indicating that the delinquent charge of "25,000" yen has been repaid is displayed in.

<Processing>
As an example, the control unit 11 of the server 10 sets the loan loan transfer destination information according to the user when the contract condition information is transmitted to the terminal 20A (S160), and transmits the loan loan transfer destination information to the terminal 20A by the communication I / F14. do. Information such as the repayment date and the repayment amount may be included in the loan loan transfer destination information.

When it is determined that the loan loan transfer destination request information has been received from the terminal 20, the control unit 11 of the server 10 may transmit the set loan loan transfer destination information to the terminal 20A by the communication I / F14. good.

When the loan loan transfer destination information is received from the server 10 by the communication I / F 22, the control unit 21 of the terminal 20 causes the display unit 24 to display the received loan loan transfer destination information.

As an example, the control unit 11 of the server 10 receives monthly transaction information from a bank server (not shown) after the repayment date of each month has passed. Then, the control unit 11 of the server 10 refers to the monthly transaction information and determines whether or not the loan repayment amount of each user has been paid.

As an example, not a limitation, the user A. of the terminal 20A. When it is determined that the payment has not been made to the financial institution account specified in the loan loan transfer destination information associated with A, the control unit 11 of the server 10 indicates that the repayment of the transfer loan is delayed. The reminder information is transmitted to the terminal 20A by the communication I / F14.

When the reminder information is received from the server 10 by the communication I / F 22, the control unit 21 of the terminal 20A causes the display unit 24 to display the received reminder information.

<Effect of the sixth embodiment>
In this embodiment, the control unit 11 of the server 10 is controlled to transmit the repayment amount information including the repayment amount based on the contract condition information (not limited, but an example of the second interest rate information) to the terminal 20 by the communication I / F14. Shows the configuration to perform.
As an example of the effect of the embodiment obtained by such a configuration, the server transmits the loan loan transfer destination information (not limited, but an example of the repayment amount information) including the repayment amount based on the second interest rate information to the terminal. , The repayment amount based on the second interest rate information can be notified to the terminal user. Since the repayment amount can be known, it is convenient for the user from the viewpoint of the terminal side (user side).

Further, in this embodiment, the control unit 11 of the server 10 indicates that the repayment is overdue if the user of the terminal 20 does not make the repayment based on the loan loan transfer destination information within the due date (limited). Instead, an example of delinquency information) is shown to be controlled to be transmitted to the terminal 20 by the communication I / F14.
As an example of the effect of the embodiment obtained by such a configuration, the server delinquent repayment if the user of the terminal does not make the repayment based on the repayment amount information including the repayment amount based on the second interest rate information within the due date. It is possible to send delinquency information indicating that the user is doing so to urge the terminal user to make a repayment.

<Sixth variant (1)>
In the above embodiment, an example of displaying the notification received from the server 10 on the home screen of the money loan application in the terminal 20A has been illustrated, but the present invention is not limited to this. As an example, not limited to, content including a notification to the messaging service when the server 10 operator is affiliated with the operator who provides the messaging service, or when the server 10 operator and the messaging service operator are the same, etc. You may send it.

FIG. 6-2 is a diagram showing an example of the transition of the screen displayed on the display unit 24 of the terminal 20 in this modification.
The left side of FIG. 6-2 is not a limitation but an example of the refinancing plan contract conclusion screen similar to the left side of FIG. 3-3. As an example, not a limitation, when the refinancing contract button BT14 is tapped by the user, the execution of the alternative repayment transfer process starts.

The center of FIG. 6-2 shows an example of the talk room screen when the refinancing contract button BT14 is tapped and then the OA talk room with the official account of the money loan service is confirmed in the messaging application.

In this talk room screen, the characters "Messageing App", which is the name of the messaging application, are displayed in the center of the top of the screen.
Further, in the in-app location display area, the characters "Money Loan Service" indicating that the room is an OA talk room with the official account of the money loan service are displayed.

Below the position display area in the application, the talk content display area for displaying the content transmitted / received in the talk room is configured to be displayed.
The talk content display area is configured so that the content sent from the official account of the money loan service is displayed from top to bottom in chronological order with a balloon from the left side. On this screen, it is displayed that the contents from the text contents CT1 to the text contents CT7 are transmitted from the official account of the money loan service.

Further, the central portion of the talk content display area is configured to display system content from a messaging server (not shown). On this screen, the system content indicating that the date from "November 11, 2021" to "November 13, 2021" has changed is displayed.

As an example, not a limitation In the text content CT1, as an example, not a limitation, the characters "Refinancing plan application procedure has been completed" based on the tapping of the refinancing application end button BT13 on the right side of Fig. 3-2. Is displayed.
Further, as an example, not a limitation, in the text content CT2, characters corresponding to the examination completion notification are displayed based on the calculation of the pre-contract condition.
Further, as an example, not limited, in the text content CT3, as an example, not limited, based on the fact that the refinancing contract button BT14 on the refinancing plan contract conclusion screen on the left side of FIG. The text "I have agreed to" is displayed.
Further, as an example, not limited to, in the text content CT4, characters corresponding to the transfer processing completion notification NT7 are displayed based on the completion of the alternative repayment transfer processing to "XX Shinpan".
Further, as an example, not limited to, in the text content CT5, characters corresponding to the transfer processing completion notification NT8 are displayed based on the completion of the alternative repayment transfer processing to the “YY loan”.
In addition, as an example, not limited, in the text content CT6, the characters "All repayments to other companies' borrowers have been completed" are displayed based on the completion of the alternative repayment transfer process to all the lenders. There is.
Further, as an example, not a limitation, in the text content CT6, characters corresponding to the contract document reissue notification NT9 are displayed based on the calculation of the contract conditions. Further, the text content CT6 is configured to display the main contract condition confirmation button CFB1 indicated by the characters "confirmation" for confirming the main contract condition.

As an example, not the limitation, when the user taps the contract condition confirmation button CFB1, the display transitions to the money loan application home screen on the right side of FIG. 6-2 as an example, not the limitation. This screen corresponds to the home screen on the right side of FIG. 3-3, but the contract document reissue notification NT9 and the like are not displayed above the contract content display area CTR2.

In the above screen view, an example of notifying the money loan application in the OA talk room of the messaging application is illustrated, but the present invention is not limited to this.
The notification method is not limited, and examples thereof include the following methods.
-System notification (push notification) for money loan applications.
-Pop-up notification within the money loan application (notification when the application is opened).
-Notify the notification area of the money loan application (not limited, but as an example, the upper part of the home screen).
-System notifications (push notifications) for messaging applications.
-Displayed in the smart channel area of the messaging application (not limited, but as an example, at the top of the talk list).
-Displayed on the timeline of the messaging application.
-Displayed in the OA talk room of the messaging application.
-Payment application system notifications (push notifications).
-Notify to the notification area of the payment application (not limited, but as an example, the notification screen).
-Any combination of the above notification methods.

<Others>
The contents realized by the money loan application described in the above embodiment can be similarly realized by other applications such as a messaging application.

1 Communication system 10 Servers 20 Terminals 30 Networks

Claims (18)

A server that communicates with the user's terminal
A communication unit that receives first information from the terminal, including information on money borrowed by the user from the first company.
A control unit for acquiring first interest rate information including interest rate information regarding refinancing of money borrowed by the user based on the first information is provided.
The control unit performs a payment process for paying money to the first company based on the first information, and based on the payment process, the second interest rate information including interest rate information regarding refinancing of money borrowed by the user. Is controlled after the acquisition of the first interest rate information . The server according to claim 1.
The control unit controls to acquire the second interest rate information when there is no error in the information for paying money to the first company included in the first information. The server according to claim 1.
The communication unit receives the first information and the second information including the information of money borrowed by the user from the second company.
The control unit acquires the first interest rate information based on the first information and the second information, and based on the first information and the second information, the first company and the second company. Control to acquire the second interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user after the acquisition of the first interest rate information based on the payment process. conduct. The server according to claim 3.
When the payment to the first company based on the first information fails in the payment process, the control unit acquires the second interest rate information determined based on the second information. The server according to claim 4.
The control unit controls to calculate the interest rate of the second interest rate information when the upper limit of the interest rate calculated based on the second information is lower than the interest rate of the first interest rate information. The server according to any one of claims 3 to 5.
The payment process includes a process of making a transfer to the account of the first company based on the first information and a process of making a transfer to the account of the second company based on the second information. The server according to any one of claims 3 to 6.
The first information includes information on the first account number of the first company.
When the first account number is incorrect, the control unit controls the communication unit to transmit information for inputting the first account number to the terminal. The server according to claim 7.
The control unit acquires the second interest rate information based on the second information when the user does not input the information for inputting the first account number within the set period. Take control. The server according to any one of claims 3 to 8.
The first information and the second information include information of an image captured by the image pickup unit of the terminal. The server according to any one of claims 3 to 9.
The control unit performs a payment process for paying money to the first company and the second company based on the stored data, the first information, and the second information. The server according to any one of claims 1 to 10.
The control unit controls to transmit the first interest rate information to the terminal by the communication unit. The server according to any one of claims 1 to 11.
The acquired first interest rate information is determined based on the consent of the user of the terminal. The server according to any one of claims 1 to 12.
The control unit controls to transmit the second interest rate information to the terminal based on the input to the terminal by the user of the terminal. The server according to any one of claims 1 to 13.
Based on the stored data, the control unit controls to determine whether or not the information about the first company included in the first information is correct or not. The server according to any one of claims 1 to 14.
The control unit controls the communication unit to transmit the repayment amount information including the repayment amount based on the second interest rate information to the terminal. The server according to claim 15.
The control unit controls the communication unit to transmit delinquency information indicating that the repayment is overdue when the user of the terminal does not make the repayment based on the repayment amount information within the due date. .. A program executed by a server that communicates with the user's terminal.
Receiving the first information including the information of money borrowed from the first company by the user from the terminal by the communication unit of the server.
Based on the first information, the control unit of the server acquires the first interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user.
Based on the first information, a payment process for paying money to the first company is performed, and based on the payment process, the second interest rate information including interest rate information regarding the refinancing of money borrowed by the user is obtained in the first. The server executes the control to be acquired after the acquisition of the interest rate information by the control unit. It is an information processing method of the server that communicates with the user's terminal.
Receiving the first information including the information of money borrowed from the first company by the user from the terminal by the communication unit of the server.
Based on the first information, the control unit of the server acquires the first interest rate information including the interest rate information regarding the refinancing of the money borrowed by the user.
Based on the first information, a payment process for paying money to the first company is performed, and based on the payment process, the second interest rate information including interest rate information regarding the refinancing of money borrowed by the user is obtained in the first. This includes performing control to be acquired after acquisition of interest rate information by the control unit.

Images