JPH0773258A - Refunding state control system for contracted refund system card loan - Google Patents

Abstract

PURPOSE:To automate the control of the refunding state of each customer for the contracted refund system card loan and to utilize this control information to other banking jobs. CONSTITUTION:When the withdrawal processing is carried out to a certain customer by a card loan transaction withdrawing means 11, a marked customer verification processing means 12 verifies the refunding state of a relevant customer based on the result of comparison carried out between the present date and the regular refunding date stored in a card loan account master file 13. A refunding state control processing control means 21 calls out a marked customer register processing means 22 when the customer deferred his refund for a time longer than a marked customer register period. Meanwhile the means 21 calls out a marked customer deletion processing means 23 when the customer refunded his loan within the marked customer register period. Furthermore a requiring customer register processing means 24 is called out when the customer deferred his refund for a time longer than a requiring customer register period. Then a customer control file 25, etc., are updated.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to information processing (information processing by a computer system) relating to a contract repayment method card loan, and particularly to a repayment status of a customer of a contract repayment method card loan (status regarding uncollected repayment money, etc.) Managed repayment method Manages repayment status management method for card loans.

[0002]

2. Description of the Related Art Conventionally, management of the repayment status of each customer in a contract repayment method card loan is based on transaction records of collection processing managed by a computer system.
It was carried out by human manual work (manual work based on the reference of the list regarding the transaction record).

Further, the management of the repayment status in the conventional contract repayment method card loan is performed independently of other banking business and is closed to the card loan transaction.

[0004]

In the management of the repayment status in the above-mentioned conventional contract repayment method card loan, the management is performed manually by a human (confirmation of a list of transaction records of collection processing). Therefore, there is a drawback in that a great deal of labor and working time are required for the management, and the reliability of the management becomes low.

Further, the management of the repayment status in the conventional contract repayment method card loan is performed independently of other banking operations and is closed to the card loan transaction.
There is a drawback that the management information cannot be used for other banking business such as loan business. Appropriate credit judgment of customers is essential for the soundness of banking operations.
Various judgment criteria are required for the credit judgment.
In that sense, it is desirable to add management information on the repayment status in the contract repayment method card loan to one of the criteria for the judgment in order to optimize the credit judgment, but it has been difficult in the past.

In view of the above points, an object of the present invention is to automatically manage the repayment status of each customer in a contract repayment method card loan by using a computer system and utilize the management information for other banking operations. It is to provide a repayment status management method for a card repayment method that makes it possible.

As a conventional technique for managing the customer's repayment status (delinquency status) in banking business, etc., a technology for managing the status of the reminder of the overdue destination to improve the efficiency of the reminder business has been published ( See Japanese Unexamined Patent Publication No. 2-53180, "Dunning management system for overdue destination". However, this conventional technology does not focus on the repayment method card loan,
The present invention is different from the present invention in that it is specialized in "dunning of overdue destinations".

[0008]

The repayment status management method in the contract repayment method card loan of the present invention is a card for storing the unrepayed regular repayment date for each customer and information indicating whether or not the customer is a "suspect customer". A loan account master file and a file that can be referred to by banking services other than the contract repayment method card loan, and is a "attention customer" for each customer
Customer management file that stores information that indicates whether or not the customer is a "suspect customer", card loan transaction collection means that performs collection processing in the contract repayment method card loan transaction, and a customer Note that if the collection process related to the card loan transaction is performed by the card loan transaction collection means, the repayment status of the customer is verified based on the comparison between the unpaid regular repayment date in the card loan account master file and today's date. If the customer verification processing means and the caution customer verification processing means verify that the customer is overdue for more than the caution customer registration period, the caution customer registration processing means is called and the caution customer verification processing means performs the verification. Caution customer when it is recognized that the customer has changed from overdue status exceeding the caution customer registration period to overdue status less than the caution customer registration period And repayment management processing control means for calling a suspicious customer registration processing unit if the customer removal processing means with verification by calling the attention customer verification processing unit is recognized to be in more delinquency careful customer registration period,
When called by this repayment status management processing control means, it is called by the caution customer registration processing means for registering that the customer is a "caution customer" in the customer management file, and the repayment status management processing control means. In this case, the caution customer deletion processing means for deleting the fact that the customer registered in the customer management file is a "caution customer", and the card loan account master when called by the repayment status management processing control means The file and the customer management file have the customer sensitive registration processing means for registering that the customer is a "customer requiring attention".

[0009]

The present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of an embodiment of a repayment status management system in a contract repayment system card loan of the present invention.

The repayment status management method in the contract repayment method card loan of this embodiment is the card loan transaction collection means 1
1, attention customer verification processing means 12, card loan account master file 13, repayment status management processing control means 21
It includes a caution customer registration processing means 22, a caution customer deletion processing means 23, a caution customer registration processing means 24, and a customer management file 25.

The card loan account master file 13 is
The regular repayment date for each customer and a caution customer flag (information indicating whether or not the customer is a "cautionary customer") are stored. Here, the regular repayment date refers to the day on which a regular repayment is made from the ordinary deposit account (including the general deposit account) to the card loan account (overdraft-only account). Further, the unrepayed regular repayment date of a customer is the oldest regular repayment date among the regular repayment dates that have not been repaid by the customer.

The customer management file 25 is a file that can be referred to by other banking operations such as loan operations (referenced by software that executes the other banking operations), and has a caution customer flag (that customer). Is a "attention customer") and a caution customer flag (information indicating whether the customer is a "caution customer") is stored.

FIGS. 2A to 2C are diagrams for explaining the specific operation of the repayment status management system in the contract repayment system card loan of this embodiment.

Next, the operation of the repayment status management system in the contract repayment system card loan of the present embodiment thus constructed will be described. Here, it demonstrates concretely, referring FIG.2 (a)-(c).

The card loan transaction collection means 11 calls the caution customer verification processing means 12 after performing the collection processing (collection processing in the contract repayment method card loan transaction) regarding a certain customer.

The customer verification processing means 12 updates the unpaid fixed repayment date for the customer in the card loan account master file 13 based on the result of the collection processing, and updates the unpaid fixed repayment date for the customer in the card loan account master file 13. Repayment regular repayment date (updated non-repayment regular repayment date) date is compared with today's date to verify the repayment status (overdue status) of the customer, and repayment status management processing control based on the verification result The interlocking instruction sent to the means 21 is edited.

That is, when the customer is in the overdue status for the cautionary customer registration period (one month in this embodiment) or more (when the unpaid regular repayment date is one month or more before today), Recognizing that the customer is a “attention customer”,
Edit the interlocking instruction to that effect. In addition, if the customer has been overdue for more than one month until then,
If the customer is overdue within a month, the customer recognizes that the customer is no longer a "cautionary customer" and edits the interlocking instruction to that effect. Further, when the customer is in the overdue status for more than the sensitive customer registration period (6 months in the present embodiment), the customer is recognized as a “special customer” and the fact is indicated. Edit the linkage instruction. In addition, when it is verified that it is other than the above three cases,
The interlocking instruction is not edited.

When the above-mentioned "interlocking instruction" is edited by the careful customer verification means 12, the card loan transaction collection means 11 transfers control to the repayment status management processing control means 21 together with the interlocking instruction.

The repayment status management processing control means 21 uses the attention customer registration processing means 22, based on the contents of the interlocking instruction.
Either the caution customer deletion processing means 23 or the caution customer registration processing means 24 is called to perform processing such as registration and deletion of information regarding the customer in the customer management file 25.

The processing in this case will be described in detail for each case (see FIGS. 2A to 2C).

Example 1 (see FIG. 2A): An unpaid fixed repayment date of a customer is “February 10”, and today is “3”.
10th of a month ", and the customer's February 10 collection process was impossible due to insufficient balance in the customer's savings account.

In this case, the careful customer verification processing means 12
Compares the unpaid regular repayment date (February 10th) with today's date (March 10th), recognizes that the customer is overdue for one month or more, and indicates that fact. The interlocking instruction is passed to the repayment status management processing control means 21 via the card loan transaction collection means 11.

The repayment status management processing control means 21 calls the attention customer registration processing means 22 based on the interlocking instruction (the interlocking instruction relating to "attention customer registration").

The caution customer registration processing means 22 registers in the customer management file 25 that the customer is a "caution customer" (turns on the caution customer flag for the customer).

Example 2 (see FIG. 2B): An unpaid fixed repayment date of a customer is “February 10”, and today is “3”.
"20th of a month", and the customer's February 10th collection process ends normally

In this case, the careful customer verification processing means 12
Compares the date of unpaid regular repayment date (February 10) with today's date (March 20), and the customer was registered as a "attention customer" until this collection process was performed. To confirm.

Further, since the collection processing of the caution customer verification processing means 12 has been normally completed, the unpaid regular repayment date is changed from "February 10" to "March 10 (the next day of February 10). Regular repayment date) ".

Further, the cautionary customer verification processing means 12 compares the date of the unpaid regular repayment date (March 10th) with the updated date (March 20th) to find out whether the customer is overdue. Recognizing that the overdue of one month or more has been changed to the overdue of less than one month, an interlocking instruction indicating that is passed to the repayment status management processing control means 21 via the card loan transaction collection means 11.

The repayment status management processing control means 21 calls the caution customer deletion processing means 23 based on the interlocking instruction (the interlocking instruction relating to "attention customer deletion").

The caution customer deletion processing means 23 deletes the fact that the customer is a "caution customer" registered for the customer in the customer management file 25 (turns off the caution customer flag for the customer).

If today's date is "April 20th" and the other conditions are the same as the above-mentioned conditions, the date of the unpaid regular repayment date (March 10th) after the update is set. Since today's date (April 20th) is compared and it is recognized that the delinquency status of "overdue for one month or more" is still maintained, no interlocking instruction is issued to the repayment status management processing control means 21. .

Example 3 (see FIG. 2C): A customer's unpaid regular repayment date is “February 10”, and today is “8”
10th of a month ", and the customer's February 10 collection process was impossible due to insufficient balance in the customer's savings account.

In this case, the careful customer verification processing means 12
Compares the date of the unpaid regular repayment date (February 10) with today's date (August 10), recognizes that the customer is overdue for six months or more, and indicates to that effect. The interlocking instruction is passed to the repayment status management processing control means 21 via the card loan transaction collection means 11.

The repayment status management processing control means 21 calls the caution customer registration processing means 24 on the basis of the interlocking instruction (the interlocking instruction relating to the "special customer registration").

The caution customer registration processing means 24 registers in the customer management file 25 that the customer is a "caution customer" (turns on the caution customer flag for the customer). In addition, the sensitive customer registration means 24 also indicates that the relevant customer is a “sensitive customer” in the card loan account master file 13.
Is registered (the caution customer flag is turned on for the customer). As a result, the subsequent withdrawal (lending) process by the customer can be disabled, and further expansion of bad debts can be prevented.

In the repayment status management method for the contract repayment method card loan of the present embodiment, the cautionary customer registration period is "1 month" and the cautionary customer registration period is "6 months". Needless to say, the customer registration period is not limited to such a period (however, the above-mentioned period is considered to be appropriate in view of empirical rules and the like in banking business).

[0038]

As described above, the present invention automatically registers the repayment status of each customer in the contract repayment method card loan in the customer management file, so that human labor and work for managing the repayment status are performed. There is an effect that time can be reduced and the reliability of the management can be improved. For example, when a customer is demanding repayment for repayment payments, by extracting only the customers who need attention from the customer management file, it is possible to easily obtain information about the person subject to the reminder and reduce the amount of work such as human confirmation work. To do.

Further, by registering the management information on the repayment status in the contract repayment method card loan in the customer management file which can be referred from other banking business, the management information can be effectively used for other banking business. The effect is that it can be used. For example, by using the above-mentioned management information for credit research in lending business, that is, research on each customer's repayment ability, prospect of permanent transaction, and possibility of becoming a good customer, the research is more reliable. It becomes something.

Further, regarding a customer who is determined to be a “suspect customer”, by registering the fact in the card loan account master file and the customer management file, the withdrawal of the customer by the subsequent card loan transaction ( This has the effect of disabling loan processing and preventing further expansion of bad debts.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of an embodiment of a repayment status management system in a contract repayment system card loan of the present invention.

FIG. 2 is a diagram for explaining a specific operation of a repayment status management system in the contract repayment system card loan shown in FIG.

[Explanation of symbols]

 11 Card Loan Transaction Collection Means 12 Caution Customer Verification Processing Means 13 Card Loan Account Master File 21 Repayment Status Management Processing Control Means 22 Caution Customer Registration Processing Means 23 Caution Customer Deletion Processing Means 24 Caution Customer Registration Processing Means 25 Customer Management Files

Claims (2)

[Claims] 1. A card loan account master file that stores information indicating whether or not an unpaid regular repayment date for each customer and whether or not the customer is a “suspect customer”, and a reference from a banking business other than the contract repayment method card loan. It is a possible file, a customer management file that stores information indicating whether it is a "attention customer" for each customer and information indicating whether it is a "customer needing attention", and a contract repayment method card loan transaction When the card loan transaction collection means for performing collection processing and the collection processing for a customer are performed by the card loan transaction collection means, the unrepayed regular repayment date and today's date in the card loan account master file The noteworthy customer verification processing means for verifying the repayment status of the customer based on the comparison of If the customer is recognized as being overdue for more than the caution customer registration period, the caution customer registration processing means is called, and the customer is verified by the caution customer verification processing means and the customer is overdue for more than the caution customer registration period and less than the caution customer registration period. When it is recognized that the customer's delinquency status has changed, the caution customer deletion processing means is called, and it is required when the customer is recognized by the caution customer verification processing means as being in the overdue status beyond the caution customer registration period. When the repayment status management processing control means for calling the attention customer registration processing means and the repayment status management processing control means call the customer in the customer management file, the customer is "attention customer".
That the customer registered in the customer management file when called by the caution customer registration processing means and the repayment status management processing control means is a "care customer" is deleted. When called by the caution customer deletion processing means and the repayment status management processing control means, the fact that the customer is a "suspect customer" is registered in the card loan account master file and the customer management file. Attention repayment method characterized by having customer registration processing means. 2. The customer registration period of caution is one month, and the customer registration period of caution is six months.
The stated repayment method The repayment status management method for card loans.