Financing program, information processing device, and financing support method

Abstract

To provide a technique for supporting financing for a user.SOLUTION: A financing program for causing an information processing device to support financing causes a processor of the information processing device to perform: an action record reporting step of acquiring a prescribed action record and transmitting the record to a prescribed device; an interest exemption determination step of determining whether the exemption of payback obligation about an interest equivalent of a received financing is acceptable or unacceptable using action record transmission results in the action record reporting step; and a notification step of notifying a user that exemption is unacceptable when exemption is unacceptable.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a loan program, an information processing device, and a loan support method. [Background technology]

[0002] Patent document 1 describes "a system having one or more computer processors for managing credit information of users who are loan recipients, wherein the one or more computer processors execute readable instructions to perform the steps of updating the user's credit information after the loan is granted, and setting a reward for the user based at least on the credit information." [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2017-201567 A Summary of the Invention [Problem to be solved by the invention]

[0004] The above technology involves setting rewards such as cash back and interest rates based on the user's behavior after the loan is executed and applying these at the time of repayment, making it difficult for users to predict repayment.

[0005] An object of the present invention is to assist users in obtaining financing. [Means for solving the problem]

[0006] The present application includes a number of means for solving at least part of the above problems, examples of which are as follows: A loan program according to one aspect of the present invention is a loan program that causes an information processing device to assist in loans, and is characterized in that it causes a processor of the information processing device to execute an action record reporting step of acquiring a predetermined action record and transmitting it to a predetermined device, an interest reduction / exemption determination step of determining whether or not a repayment obligation can be reduced or exempted for an amount equivalent to interest on the loan received, using a transmission record of the action record in the action record reporting step, and a notification step of notifying that the reduction / exemption is not possible when the reduction / exemption is not possible.

[0007] In addition, in the above-mentioned loan program, the processor may be caused to execute an advertisement viewing step in which a specified advertisement is displayed, and in the interest reduction / exemption determination step, a determination may be made as to whether or not the repayment obligation for an amount equivalent to the interest on the loan received may be reduced or exempted using the transmission history of the behavior record in the behavior record reporting step and the viewing history of the advertisement in the advertisement viewing step.

[0008] In addition, in the above-mentioned loan program, if the reduction or exemption remains impossible for a specified period after the notification, a step of lifting the reduction or exemption of the repayment obligation may be implemented.

[0009] The above-mentioned loan program may also include a loan application step of accepting a selection input of a type of information to be included in the predetermined behavior record when applying for the loan.

[0010] In the above loan program, the content of the reduction or exemption may be predetermined depending on the type of information selected and input in the loan application step.

[0011] The above-mentioned loan program may also include a loan application step of accepting a selection input of whether or not the predetermined advertisement is to be viewed when applying for the loan.

[0012] In the above-mentioned loan program, the content of the reduction or exemption may be predetermined according to a selection input of whether or not to view the advertisement selected and input in the loan application step.

[0013] In addition, in the above-mentioned loan program, the interest reduction / exemption determination step may determine that the repayment obligation cannot be reduced or exempted if at least some of the types of information selected in the loan application step are deselected.

[0014] In addition, in the above loan program, the interest reduction / exemption determination step may determine that the repayment obligation cannot be reduced or exempted if the selection regarding viewing of the advertisement selected in the loan application step is deselected.

[0015] In addition, an information processing device according to another aspect of the present invention is an information processing device that supports loans, and is characterized by having an action record reporting unit that acquires a specified action record and transmits it to a specified device, an interest reduction determination unit that uses the transmission history of the action record in the action record reporting unit to determine whether or not the repayment obligation can be reduced or waived for the amount equivalent to the interest on the loan received, and a notification unit that notifies the user that the reduction or waiver is not possible when the reduction or waiver is not possible.

[0016] In addition, a loan support method according to another aspect of the present invention is a loan support method that causes an information processing device to support a loan, and is characterized in that the processor of the information processing device executes the following steps: an action record reporting step of acquiring a specified action record and transmitting it to a specified device; an interest reduction or exemption determination step of determining whether or not the repayment obligation for the amount equivalent to the interest on the loan received can be reduced or exempted using the transmission history of the action record in the action record reporting step; and a notification step of notifying the user that the reduction or exemption is not possible if the reduction or exemption is not possible. Effect of the Invention

[0017] According to the present invention, a technique for assisting users in obtaining loans can be provided.

[0018] Problems, configurations and effects other than those described above will become apparent from the following description of the embodiments. [Brief description of the drawings]

[0019] [Figure 1] 1 is a configuration diagram of a loan execution system according to an embodiment. [Diagram 2] FIG. 4 is a diagram illustrating an example of a data structure of user information. [Diagram 3] FIG. 4 is a diagram illustrating an example of a data structure of action record information. [Figure 4] FIG. 13 is a diagram illustrating an example of a data structure of advertisement viewing record information. [Diagram 5] FIG. 13 is a diagram illustrating an example of a data structure of provision behavior record setting information. [Figure 6] FIG. 13 is a diagram illustrating an example of a data structure of reduction / exemption information. [Figure 7] FIG. 2 is a diagram illustrating an example of a hardware configuration of a smartphone. [Figure 8] FIG. 2 is a diagram illustrating an example of a loan application flow. [Figure 9] FIG. 13 is a diagram showing an example of a flow for determining whether or not to continue an interest reduction. [Figure 10] FIG. 13 is a diagram showing an example of a warning screen. [Figure 11] FIG. 13 is a diagram showing an example of a notification screen. [Figure 12] FIG. 13 is a diagram illustrating an example of an interest reduction continuation determination flow (server type). DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0020] A loan execution system 1 to which an embodiment according to one aspect of the present invention is applied will be described below with reference to the drawings. In the following embodiment, when necessary for convenience, the description will be divided into a plurality of sections or embodiments, but unless otherwise specified, they are not unrelated to each other, and one is a partial or complete modification, detail, supplementary explanation, etc. of the other.

[0021] In addition, in the following embodiments, when referring to the number of elements (including the number, numerical values, quantities, ranges, etc.), unless specifically stated or clearly limited to a specific number in principle, the number is not limited to that specific number and may be more than or less than a specific number.

[0022] Furthermore, in the following embodiments, the components (including element steps, etc.) are not necessarily essential unless specifically stated otherwise or considered to be clearly essential in principle.

[0023] Similarly, in the following embodiments, when referring to the shapes, positional relationships, etc. of components, etc., unless otherwise specified or considered to be obviously different in principle, it includes those that are substantially similar or similar to the shapes, etc. The same applies to the above numerical values ​​and ranges.

[0024] In addition, in all the drawings for explaining the embodiments, the same members are generally given the same reference numerals, and repeated explanations thereof will be omitted.

[0025] In recent years, the spread of networks and various electronic devices (personal computers, tablet devices, smartphones, etc.) has created an environment in which it is easy to obtain loans online. For example, loans that previously required visiting a branch of a financial institution or consumer finance company are now easily obtainable by anyone using a smartphone, etc., regardless of location or time. However, when you obtain a loan, you are also obligated to repay interest, which can be a cause for concern in the future.

[0026] In view of this, in the embodiment according to the present invention, a loan execution system 1 that supports loans to users is made available.

[0027] Fig. 1 is a configuration diagram of a loan execution system according to this embodiment. In the loan execution system 1, a user who receives a loan uses his / her own smartphone terminal 100 and a group of devices communicatively connected to the smartphone terminal 100 via a communication path 50. The group of devices includes an advertisement providing device 200, a behavior record collecting device 300, and a loan execution device 400. In addition, the user can receive cash for a loan in cash via a multi-store terminal (ATM terminal) 500 installed in a convenience store or the like.

[0028] For example, the advertisement providing device 200, the behavior record collecting device 300, and the loan execution device 400 may be a cloud computer connected via the Internet, or a server device managed by the owner of the advertisement providing device 200, the behavior record collecting device 300, and the loan execution device 400. Furthermore, without being limited thereto, a wearable device such as a smart watch of a user may be used as the smartphone terminal 100.

[0029] When the smartphone terminal 100 communicates with the device group (including the advertisement providing device 200, the behavior record collecting device 300, and the loan execution device 400), they are connected via a communication path 50 which is a LAN (Local Area Network), a WAN (Wide Area Network), the Internet, a mobile phone network, a short-distance wireless communication such as Bluetooth (registered trademark), or a communication network that is a combination of these. The communication path 50 may be a VPN (Virtual Private Network) on a wireless communication network such as a mobile phone network.

[0030] By using the loan execution system 1, it is possible to support loans to users. Specifically, a user applies for a loan using a smartphone terminal 100, and can continue to receive a reduction or exemption as long as the user satisfies certain conditions for the amount equivalent to the interest payment in relation to repayment. If the certain conditions are no longer met, the user is warned, and if the certain conditions remain unmet for a certain period of time thereafter, the reduction or exemption is cancelled and the user must pay an amount equivalent to the normal interest payment. In other words, since the user's obligation to repay interest is reduced or exempted as long as the user satisfies certain conditions, it is easy for the user to forecast repayment.

[0031] The "predetermined conditions" for receiving such a reduction or exemption will be described in detail later, but may include, for example, viewing a specified advertisement, providing a behavioral record, etc. However, the present invention is not limited to these, and may also include the provision of computer resources (for example, calculation services, etc.). The provider of the loan execution device 400 can also earn advertising revenue by encouraging the loan recipient to view advertisements.

[0032] The smartphone terminal 100 includes a storage unit 110, a processing unit 120, an input / output unit 140, and a communication unit 150, which are communicatively connected to one another via a bus or the like.

[0033] The storage unit 110 includes user information 111 , behavior record information 112 , advertisement viewing record information 113 , provision behavior record setting information 114 , and exemption information 115 .

[0034] 2 is a diagram showing an example of the data structure of user information. The user information 111 stores a plurality of users who are to receive loans. The user information 111 includes a user ID 111A, a user name 111B, an email address 111C, a password 111D, contact information 111E, and certificate documents 111F.

[0035] User ID 111A is information that distinguishes a user from other users. User name 111B is information that identifies the user's name (real name). Email address 111C is email address information at which the user can be contacted. Password 111D is a password for the user to log in. Contact information 111E is information that identifies the user's address. Certificate 111F is information on copies of evidential documents used to certify the user's name and address. For example, various types of identification (including My Number cards, driver's licenses, insurance cards, etc.).

[0036] 3 is a diagram showing an example of a data structure of the behavior record information. The behavior record information 112 is information that records a predetermined behavior of a user. The behavior record information 112 includes a time 112A, a user ID 112B, a location 112C, a browsing behavior 112D, and a purchasing behavior 112E.

[0037] The time 112A is information that identifies a time. The user ID 112B is information that identifies a user. The location 112C is information that identifies the location of the smartphone terminal 100 using a satellite positioning system such as the Global Positioning System (GPS), the Global Navigation Satellite System (Glonass), or Michibiki. The browsing behavior 112D is information that identifies a website viewed by the smartphone terminal 100 (including not only a web browser but also web pages viewed by various application software), such as a uniform resource locator (URL). The purchasing behavior 112E is information that identifies a purchase that was paid for via the smartphone terminal 100 and the amount of the purchase.

[0038] 4 is a diagram showing an example of the data structure of advertisement viewing record information. Advertisement viewing record information 113 is a record of viewing a specific advertisement. Advertisement viewing record information 113 includes time 113A, user ID 113B, position 113C, viewed advertisement 113D, mandatory viewing time 113E, and advertisement viewing time 113F.

[0039] The time 113A is information for identifying a time. The user ID 113B is information for identifying a user. The location 113C is information for identifying the location of the smartphone terminal 100 by a satellite positioning system such as GPS, Glonass, or Michibiki. The viewed advertisement 113D is information for identifying a specific advertisement viewed by the smartphone terminal 100, for example, a URL or an ID. The viewing obligation time 113E is information for identifying the time for which the user is obligated to continue viewing the viewed advertisement. Note that the obligation is an obligation as a condition for the reduction or exemption of the obligation to repay the interest on the loan, and if the viewing time does not meet the viewing obligation time, it is deemed that the condition for the reduction or exemption of the obligation to repay the interest on the loan is not met, and if the viewing time meets the viewing obligation time, it is deemed that the condition for the reduction or exemption of the obligation to repay the interest on the loan is met. The advertisement viewing time 113F is information for identifying the actual viewing time of a specific advertisement viewed by the smartphone terminal 100.

[0040] 5 is a diagram showing an example of the data structure of the provision behavior record setting information. The provision behavior record setting information 114 is information that specifies the conditions under which the obligation to repay interest on a loan is reduced or waived. The provision behavior record setting information 114 includes a user ID 114A, location information 114B, a viewed page 114C, a site payment record 114D, an application payment record 114E, and an electronic money payment record 114F.

[0041] The user ID 114A is information for identifying a user. The location information 114B is setting information for specifying whether or not information for identifying the location of the smartphone terminal 100 is to be provided. The viewed page 114C is setting information for specifying whether or not information for identifying a website viewed by the smartphone terminal 100 is to be provided. The site payment record 114D is setting information for specifying whether or not information for identifying the details of a payment made on a website (e.g., an online shop) is to be provided.

[0042] The application payment record 114E is setting information that specifies whether or not information specifying the details of a payment made on application software running on the smartphone terminal 100 (for example, an application for purchasing products provided by a shop, an application for purchasing products provided by a marketplace, or an auction application) is to be provided.

[0043] The electronic money payment record 114F is setting information that specifies whether or not information identifying the details of a payment made (via Near Field Communication (NFC), Radio Frequency Identification (RFID), etc.) on software that performs electronic money payments running on the smartphone terminal 100 is to be provided.

[0044] 6 is a diagram showing an example of the data structure of the reduction / exemption information. The reduction / exemption information 115 is information that specifies the state (period, degree) in which the obligation to repay interest on a loan is reduced or exempted. The reduction / exemption information 115 includes a user ID 115A, a period 115B, and a reduction / exemption degree 115C.

[0045] The user ID 115A is information for identifying a user. The period 115B is information for identifying the period during which the obligation to repay the interest on the loan is reduced or waived (mainly, information from the start date of the period to the end date of the period). The degree of reduction or waiver 115C is information for identifying the degree to which the obligation to repay the interest on the loan is reduced or waived (mainly, the ratio of reduction or waiver to the amount of the interest repayment for each interest repayment).

[0046] Generally, when a loan is taken out, the repayment of interest is required in addition to the repayment of the loan principal. In other words, on the repayment date, the total of the principal and the interest is to be repaid. In this embodiment, however, the interest repayment portion is reduced or waived under certain conditions.

[0047] The processing unit 120 includes a user setting unit 121 , a loan application unit 122 , an advertisement viewing unit 123 , a behavior record reporting unit 124 , an interest reduction / exemption determination unit 125 , a notification unit 126 , and a cancellation unit 127 .

[0048] The user setting unit 121 manages information on the person (user) who receives a loan. For example, the user setting unit 121 creates account information for the user, sets authentication information, sets user identity verification information, and so on.

[0049] The loan application unit 122 receives a loan application instruction input from a user and performs a procedure for applying for a loan to the loan execution device 400. Furthermore, the loan application unit 122 performs a procedure for receiving cash or electronic money equivalent to the loan amount from a multi-store terminal (ATM terminal) 500 or the like when the loan is executed. Furthermore, the loan application unit 122 accepts a selection input of the type of information to be included in a predetermined behavior record when applying for a loan. Furthermore, the loan application unit 122 accepts a selection input of whether or not a predetermined advertisement is to be viewed when applying for a loan. Details will be described later.

[0050] The advertisement viewing unit 123 acquires a predetermined advertisement from the advertisement providing device 200 and displays it on the smartphone terminal 100. The advertisement viewing unit 123 also monitors the advertisement viewing status and stores the acquired information in the advertisement viewing record information 113. For example, the advertisement viewing unit 123 acquires, as monitoring information, the time and position at which the advertisement was viewed, the viewed advertisement, and the duration for which the advertisement was viewed (ad viewing time).

[0051] The behavior record reporting unit 124 acquires a predetermined behavior record and transmits it to a predetermined device, for example, the loan execution device 400 in this embodiment. Specifically, the behavior record reporting unit 124 timely acquires information of a type according to the settings stored in the provided behavior record setting information 114 (for example, location information, viewed pages, site payment records, application payment records, electronic money payment records, or a combination of these) and stores it in the behavior record information 112. Then, the behavior record reporting unit 124 transmits the information stored in the behavior record information 112 to the loan execution device 400 at a predetermined timing.

[0052] The interest reduction / exemption determination unit 125 uses the transmission record of the behavior record by the behavior record reporting unit 124 to determine whether or not the repayment obligation can be reduced or exempted for the amount equivalent to the interest on the loan received. The interest reduction / exemption determination unit 125 also uses the transmission record of the behavior record by the behavior record reporting unit 124 and the viewing record of the advertisement by the advertisement viewing unit 123 to determine whether or not the repayment obligation can be reduced or exempted for the amount equivalent to the interest on the loan received. The content of the reduction / exemption is determined in advance according to the type of information to be provided and whether or not the advertisement can be viewed, which are selected and input at the time of the loan application, but is not limited thereto, and is also changed according to the type of information to be provided or whether or not the advertisement can be viewed, which are changed and input during the repayment period. The interest reduction / exemption determination unit 125 also determines that the repayment obligation cannot be reduced or exempted when at least a part of the types of the provided behavior record selected at the time of the loan application or the selection of the advertisement viewing is canceled.

[0053] If the reduction or exemption is not possible, the notification unit 126 notifies that the reduction or exemption is not possible.

[0054] If the state of being unable to reduce or exempt the interest continues for a predetermined period after notifying that the interest reduction or exemption is not possible, the cancellation unit 127 cancels the reduction or exemption of the repayment obligation. In other words, the cancellation unit 127 invalidates the interest reduction or exemption when the behavior of the loan recipient is inappropriate and the interest reduction or exemption is not possible. When the interest reduction or exemption is invalidated, the loan recipient will be obligated to pay normal interest at the time of repaying the loan.

[0055] The input / output unit 140 controls input / output to / from the smartphone terminal 100. For example, the input / output unit 140 accepts various inputs such as various contact inputs such as typing, touching, and flick input, or eye gaze input. The input / output unit 140 also performs output to the user. The output information is various output information such as a screen, a form, presentation information, advertisement, and video.

[0056] The communication unit 150 communicates via a communication path 50 with the advertisement providing device 200, the behavior record collecting device 300, the loan execution device 400, and other terminals that communicate via the Internet.

[0057] The advertisement providing device 200 transmits predetermined advertisement information to the smartphone terminal 100 via the communication path 50. Here, the predetermined advertisement information is an advertisement instructed by the loan execution device 400 to the advertisement browsing unit 123. The advertisement browsing unit 123 requests the instructed advertisement from the advertisement providing device 200, whereby the advertisement is displayed on the smartphone terminal 100.

[0058] The behavior record collection device 300 receives, stores, and accumulates the behavior record information that the loan execution device 400 has obtained from the smartphone terminal 100 from the loan execution device 400.

[0059] The loan execution device 400 accepts a loan application from the smartphone terminal 100, and if the examination result indicates that a loan is possible, it guides the smartphone terminal 100 through the loan procedure. In addition, the loan execution device 400 responds to a loan content inquiry from the multi-store terminal (ATM terminal) 500 with the loan content including the loan amount, and stores a transaction ID in the memory unit as a loan execution record when it receives one from the multi-store terminal (ATM terminal) 500. In addition, when the loan is executed, the loan execution device 400 transmits a repayment support start notification to the smartphone terminal 100 to prompt the smartphone terminal 100 to start recording the provision behavior. In addition, when the loan execution device 400 obtains behavior record information from the smartphone terminal 100, it passes it to the behavior record collection device 300 for storage.

[0060] The multi-store terminal (ATM terminal) 500 accepts a predetermined ATM-linked operation (for example, reading a QR code (registered trademark)) from the smartphone terminal 100, accepts the loan ID, and inquires about the loan details from the loan execution device 400. Then, the multi-store terminal (ATM terminal) 500 withdraws the loan amount specified in the loan details, and passes the transaction ID, which serves as evidence of the withdrawal, to the loan execution device 400.

[0061] 7 is a diagram showing an example of the hardware configuration of a smartphone terminal. The smartphone terminal 100 has a hardware configuration realized by a housing of a so-called smartphone, tablet terminal, personal computer, etc. The smartphone terminal 100 has a processor 101, a memory 102, a storage 103, an input device 104, a display device 105, a communication device 106, a near-field communication device 107, and a bus connecting each device.

[0062] The processor 101 is an arithmetic device such as a central processing unit (CPU) or a graphics processing unit (GPU).

[0063] The memory 102 is a memory device such as a RAM (Random Access Memory).

[0064] The storage 103 is a non-volatile storage device capable of storing digital information, such as a so-called hard disk drive, a solid state drive (SSD), or a flash memory.

[0065] The input device 104 is a device that accepts input from one or more of a keyboard, a mouse, a touch panel, and a microphone. The display device 105 is a device that displays one or more of various output devices such as an organic EL (Electro-Luminescence) display.

[0066] The communication device 106 is a network interface card (NIC) that communicates with other devices via a network, etc. The short-range communication device 107 is a device that performs communication called short-range wireless communication in the gigahertz band, such as NFC or Bluetooth.

[0067] The advertisement providing device 200, the behavior record collecting device 300, the loan execution device 400, and the multi-store terminal (ATM terminal) 500 also have substantially the same hardware configuration as the smartphone terminal 100. However, the hardware configuration does not need to be completely the same as that of the smartphone terminal 100, and may include only a part of the configuration or may have a different configuration, as long as it includes the hardware configuration of a so-called information processing device.

[0068] The processing unit 120, user setting unit 121, loan application unit 122, advertisement browsing unit 123, behavior record reporting unit 124, interest reduction / exemption determination unit 125, notification unit 126, and release unit 127 of the above-mentioned smartphone terminal 100 are realized by a program that causes the processor 101 to perform processing. This program is stored in the memory 102, storage 103, or a ROM device (not shown), and is loaded onto the memory 102 for execution and executed by the processor 101.

[0069] The memory unit 110 of the smartphone terminal 100 is realized by the memory 102 and the storage 103. The input / output unit 140 is realized by the input device 104, the display device 105, and the processor 101. The communication unit 150 is realized by the communication device 106 and the short-range communication device 107. The above is an example of the hardware configuration of the smartphone terminal 100.

[0070] The configuration of the smartphone terminal 100 can be further divided into more components according to the processing content, or can be further divided so that one component executes more processes.

[0071] In addition, each processing unit (processing unit 120, user setting unit 121, loan application unit 122, advertisement browsing unit 123, behavior record reporting unit 124, interest reduction / exemption determination unit 125, notification unit 126, and release unit 127) may be constructed with dedicated hardware (ASIC, GPU, etc.) that realizes each function. In addition, the processing of each processing unit may be executed by one piece of hardware or by multiple pieces of hardware.

[0072] Next, the operation of the loan execution system 1 in this embodiment will be described.

[0073] 8 is a diagram showing an example of a loan application flow. The loan application flow starts when a person (user) who wants to receive a loan requests the start of the loan application flow on the smartphone terminal 100 (step S001).

[0074] The processing unit of the loan execution device 400 generates a loan setting screen (step S002). Specifically, the processing unit generates the loan setting screen that accepts input of information for loan setting (loan setting information), the type of information to be included in the user's behavior record, and a selection input of whether or not to view advertisements. Then, the processing unit transmits display information of the generated loan setting screen to the smartphone terminal 100.

[0075] The loan application unit 122 displays the display information of the loan setting screen, receives the loan setting information, the type of information to be included in the user's behavior record, and the selection input of whether or not to view advertisements through the input / output unit 140 (step S003), and submits a loan application (step S004). Specifically, the loan application unit 122 transmits information including the desired loan amount and the setting of the provision behavior record (the type of information to be included in the user's behavior record and the selection input of whether or not to view advertisements) input on the loan setting screen to the loan execution device 400.

[0076] The processing unit of the loan execution device 400 performs a loan examination or receives the result of the loan examination (step S005). If the examination result indicates that the loan cannot be granted, the processing unit of the loan execution device 400 notifies the smartphone terminal 100 of that effect and ends the loan application flow.

[0077] If the examination result indicates that financing is possible, the processing unit of the loan execution device 400 issues a loan ID, generates a procedure guidance screen including the loan ID, and transmits display information of the procedure guidance screen to the smartphone terminal 100 (step S006). The processing unit of the loan execution device 400 determines the period and degree of reduction or exemption of the interest repayment obligation according to the provision behavior record setting.

[0078] Specifically, the behavioral records to be provided include location information, viewed pages, site payment records, application payment records, electronic money payment records, etc., and the processing unit of the loan execution device 400 determines the period and degree of the reduction of the interest repayment obligation according to the type and number of these. The processing unit of the loan execution device 400 also determines the period and degree of the reduction of the interest repayment obligation according to whether or not advertisements can be viewed. For example, the degree of reduction is predetermined for each piece of information on the behavioral records to be provided, and the accumulation of the degree of reduction can be the degree of reduction. To give a more specific example, when all types of behavioral records are provided and advertisements can be viewed, interest can be waived (0% interest, i.e., the repayment amount is the same as the loan amount or at least not less than it) during the entire repayment period. If the types of behavioral records to be provided are reduced or advertisements cannot be viewed based on the above conditions, the period and degree of reduction can be reduced (however, at least not exceeding the original interest on the loan).

[0079] In the smartphone terminal 100, the input / output unit 140 displays a procedure guide screen. Then, the user follows the procedure guide to connect to the multi-store terminal (ATM terminal) 500 through a predetermined procedure to perform an ATM linkage operation, and transfers information including the loan ID to the multi-store terminal (ATM terminal) 500 (step S007). For example, the loan application unit 122 converts information including the loan ID into a two-dimensional code or the like using a predetermined algorithm, and has the multi-store terminal (ATM terminal) 500 read the code, thereby performing ATM linkage.

[0080] The multi-shop terminal (ATM terminal) 500 transmits the loan ID to the loan execution device 400 and inquires about the loan details (step S008).

[0081] The processing unit of the loan execution device 400 retrieves the details of the loan (at least information specifying the amount of the loan) corresponding to the loan ID, and transmits it to the multi-store terminal (ATM terminal) 500 (step S009).

[0082] The multi-store terminal (ATM terminal) 500 dispenses cash equivalent to the transmitted loan amount (step S010) and certifies the withdrawal (step S011). Specifically, the multi-store terminal (ATM terminal) 500 transmits to the loan execution device 400 the transaction ID of the transaction in which the withdrawal was made.

[0083] The processing unit of the loan execution device 400 records the execution of the loan, including the transaction ID, as evidence information (step S012), and transmits to the smartphone terminal 100 a repayment support start notice including a reduction or exemption of the interest repayment obligation.

[0084] When the behavior record reporting unit 124 of the smartphone terminal 100 receives the repayment support start notice, it starts recording the providing behavior (step S013). Specifically, the behavior record reporting unit 124 stores the degree and period of reduction included in the repayment support start notice in the reduction / exemption information 115, and stores the providing behavior record set at the time of applying for the loan in the providing behavior record setting information 114.

[0085] The above is an example of a loan application flow. According to the loan application flow, a person who wants to borrow a loan can obtain a loan through a simple procedure.

[0086] 9 is a diagram showing an example of an interest reduction continuation determination flow. The interest reduction continuation determination flow is started periodically or at a predetermined timing (for example, at a predetermined time every day, or once a week, etc.) in the smartphone terminal 100 of the person (user) who has received the loan.

[0087] First, the action record reporting unit 124 reports the provision action record (step S101). The provision action record is information about the provision action set at the time of applying for a loan, which the action record reporting unit 124 collects constantly or as needed in the smartphone terminal 100 and accumulates in the action record information 112. The action record reporting unit 124 transmits the provision action record to the loan execution device 400 together with the user ID.

[0088] The processing unit of the loan execution device 400 generates an advertisement screen (step S102) and transmits it to the smartphone terminal 100. Note that the advertisement screen is associated with one or more advertisements of the advertisement providing device 200, and when the advertisement screen is opened, advertisement information can be downloaded from the advertisement providing device 200 and played.

[0089] The advertisement viewing unit 123 opens an advertisement screen and plays the advertisement (step S103). Then, the advertisement viewing unit 123 reports the advertisement viewing history (step S104). Specifically, the advertisement viewing unit 123 transmits the advertisement viewing history including the time, the position, the viewed advertisement, and the advertisement viewing time together with the user ID to the loan execution device 400.

[0090] The processing unit of the loan execution device 400 receives the advertisement viewing history and the provision behavior record, and stores them as an advertisement viewing record and a behavior record in a predetermined storage unit (step S105).

[0091] Then, advertisement viewing unit 123 stores the advertisement playback time, position, viewed advertisement, and advertisement viewing time in advertisement viewing record information 113 (step S106).

[0092] Then, the interest reduction determination unit 125 performs an interest reduction continuation determination (step S107). The interest reduction continuation determination is a process of determining whether or not to continue the interest reduction using the advertisement viewing history and the provision behavior record. For example, the interest reduction determination unit 125 determines that the repayment obligation reduction is impossible and determines to cancel the interest reduction (determines continuation NG) when the behavior record is not provided to the loan execution device 400 for a predetermined period, when the advertisement viewing time is insufficient for the viewing obligation time 113E, when there is no viewing record, when the type of information of the provision behavior record set at the time of application is canceled, when the selection of advertisement viewing is canceled, etc. Alternatively, the interest reduction determination unit 125 may refer to the contents of the site payment, application payment, or electronic money payment, and determine to cancel the interest reduction (determines continuation NG) in order to hedge against the risk of default when the payment amount is abnormally large compared to the loan amount, etc.

[0093] If continuation is NG in step S107 (if it is determined in step S107 that the interest reduction is to be cancelled), the notification unit 126 issues an interest application warning (step S108). The interest application warning is issued by the notification unit 126 causing the smartphone terminal 100 to display a predetermined warning screen, which will be described later.

[0094] Thereafter, if steps S101 to S107 are performed for a predetermined period (e.g., two weeks, etc.) and the continuation NG continues, the cancellation unit 127 cancels the interest reduction (step S109). Specifically, the cancellation unit 127 changes the end of the period in the reduction / exemption information 115 to the processing time. Then, it transmits an interest reduction cancellation notice to the loan execution device 400 together with the user ID. In response to the interest reduction cancellation notice, the processing unit of the loan execution device 400 calculates the repayment amount without reducing the interest at the time of the next repayment onwards and requests repayment.

[0095] The above is an example of the interest reduction continuation judgment flow. According to the interest reduction continuation judgment flow, the borrower can receive a reduction in the interest repayment obligation while satisfying the specified conditions, and if the borrower does not satisfy the specified conditions, the reduction in the interest repayment obligation can be canceled after a warning if the borrower does not improve.

[0096] FIG. 10 is a diagram showing an example of a warning screen. The warning screen 600 is a screen displayed in step S108 of the interest reduction continuation determination flow. The warning screen 600 includes a warning message 601 notifying the user that the interest reduction will be released. The warning message 601 includes information that the message is a warning and that the user is encouraged to meet certain conditions because the interest reduction benefit will be released. For example, the warning message 601 is a sentence such as "Warning: The interest reduction benefit will be released. Please view the advertisement as soon as possible. Once the interest reduction benefit is released, you will be required to repay the amount including the normal interest repayment amount." In addition, the warning screen 600 may specify and present the conditions that caused the release of the interest reduction (the conditions that led the interest reduction determination unit 125 to determine that the repayment obligation cannot be reduced in the interest reduction continuation determination).

[0097] FIG. 11 is a diagram showing an example of a notification screen. The notification screen 610 is a screen displayed in step S109 of the interest reduction continuation determination flow. The notification screen 610 includes a notification text 611 notifying that the interest reduction has been lifted. The notification text 611 includes information that the interest reduction privilege has been lifted and that since the interest reduction privilege has been lifted, interest repayment is required from now on. For example, the notification text 611 is a text such as "The interest reduction privilege has been lifted. Since no advertisements have been viewed for 96 consecutive hours or more, the interest payment reduction privilege has been lifted. After this notification, you will be required to repay the regular interest repayments as well."

[0098] The above is the loan execution system 1. As in the above embodiment, the loan execution system 1 can support loans to users.

[0099] The present invention is not limited to the above embodiment. The above embodiment can be modified in various ways within the scope of the technical idea of ​​the present invention. For example, in the above embodiment, the interest reduction continuation determination flow determines whether or not to continue the interest reduction at the smartphone terminal 100, but is not limited to this. For example, the loan execution device 400 may determine whether or not to continue the interest reduction.

[0100] FIG. 12 is a diagram showing an example of an interest reduction continuation judgment flow (server type). In the interest reduction continuation judgment flow (server type), the processing unit of the loan execution device 400 judges whether or not to continue the interest reduction for the steps S105 and thereafter of the interest reduction continuation judgment flow (step S107'), and if the continuation is NG, a warning screen is sent to the smartphone terminal 100 to warn of the application of interest (step S108'), and if the continuation is NG for a predetermined period, the interest reduction is cancelled and a notification screen is sent to the smartphone terminal 100 (step S109'). In this way, it is possible to make an interest reduction continuation judgment without being affected by changes in the execution environment of the smartphone terminal 100 (such as changing the model).

[0101] Furthermore, the functions of the loan execution device 400 may be realized by a cloud service configured with one or more computers.

[0102] Furthermore, the technical elements of the above-described embodiments may be applied independently, or may be divided into a plurality of parts, such as program parts and hardware parts, and then applied.

[0103] The present invention has been described above mainly with reference to the embodiment. [Explanation of symbols]

[0104] 1...Loan execution system, 50...Communication path, 100...Smartphone terminal, 110...Memory unit, 111...User information, 112...Behavior record information, 113...Advertisement viewing record information, 114...Provided behavior record setting information, 115...Reduction and exemption information, 120...Processing unit, 121...User setting unit, 122...Loan application unit, 123...Advertisement viewing unit, 124...Behavior record reporting unit, 125...Interest reduction and exemption determination unit, 126...Notification unit, 127...Cancellation unit, 140...Input / output unit, 150...Communication unit, 200...Advertisement providing device, 300...Behavior record collecting device, 400...Loan execution device, 500...Multi-store terminal (ATM terminal).

Claims

1. A financing program that causes an information processing device to support financing, The processor of the information processing device An action record reporting step of acquiring a predetermined action record and transmitting it to a predetermined device; an interest reduction / exemption determination step for determining whether or not a repayment obligation for an amount equivalent to interest on the loan received can be reduced or exempted by using the transmission record of the behavioral record in the behavioral record reporting step; a notification step of notifying that the reduction or exemption is not possible if the reduction or exemption is not possible; A financing program characterized by implementing the above.

2. 2. The financing program of claim 1, to the processor, Implementing an advertisement viewing step of displaying a predetermined advertisement; In the interest reduction / exemption determination step, using the transmission record of the behavior record in the behavior record reporting step and the browsing record of the advertisement in the advertisement browsing step, determining whether or not to reduce or exempt the repayment obligation for an amount equivalent to interest on the loan received; A financing program characterized by:

3. 3. The loan program according to claim 1 or 2, If the reduction or exemption remains impossible for a predetermined period after the notification, a reduction or exemption cancellation step of canceling the reduction or exemption of the repayment obligation; A financing program characterized by implementing the following:

4. 3. The loan program according to claim 1 or 2, a loan application step of accepting a selection input of a type of information to be included in the predetermined behavioral record when applying for the loan; A financing program characterized by implementing the following:

5. 5. The financing program of claim 4, The content of the reduction or exemption is predetermined according to the type of the information selected and input in the loan application step. A financing program characterized by:

6. 3. The financing program of claim 2, a loan application step of accepting a selection input of whether or not the predetermined advertisement is to be viewed when applying for the loan; A financing program characterized by implementing the following:

7. 7. The financing program of claim 6, The content of the reduction or exemption is determined in advance in response to a selection input of whether or not to view the advertisement selected and input in the loan application step. A financing program characterized by:

8. 5. The financing program of claim 4, In the interest reduction / exemption determination step, when at least a part of the types of information selected in the loan application step is deselected, it is determined that the repayment obligation is not eligible for reduction / exemption. A financing program characterized by:

9. 7. The financing program of claim 6, In the interest reduction / exemption determination step, when the selection of viewing of the advertisement selected in the loan application step is cancelled, it is determined that the repayment obligation is not eligible for reduction / exemption. A financing program characterized by:

10. An information processing device for supporting financing, An action record reporting unit that acquires a predetermined action record and transmits it to a predetermined device; an interest reduction / exemption determination unit that determines whether or not to reduce or exempt a repayment obligation for an amount equivalent to interest on the loan received, using the transmission record of the action record in the action record reporting unit; A notification unit that notifies the user that the reduction or exemption is not possible when the reduction or exemption is not possible; An information processing device comprising:

11. A financing support method for causing an information processing device to support financing, The processor of the information processing device An action record reporting step of acquiring a predetermined action record and transmitting it to a predetermined device; an interest reduction / exemption determination step for determining whether or not a repayment obligation for an amount equivalent to interest on the loan received can be reduced or exempted by using the transmission record of the behavioral record in the behavioral record reporting step; a notification step of notifying that the reduction or exemption is not possible if the reduction or exemption is not possible; A financing support method comprising carrying out the steps of:

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