Payment schedule management device, payment schedule management method, and payment schedule management program

Abstract

To reduce workloads related to a payment schedule change.SOLUTION: A display control unit displays a display screen including payment schedule information associated with a payment amount by payment date and payment amount breakdown. A reception unit accepts input by users. An update unit updates the payment amount and its breakdown corresponding to the payment date when the input for the payment schedule information is accepted based on the changed payment amount when accepting the input of the payment date subject to the change in the payment amount and of the changed payment amount which is the payment amount after the change corresponding to the payment date.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a payment schedule management device, a payment schedule management method, and a payment schedule management program.

Background Art

[0002] A system for managing payment schedules for installment payments is known. For example, a system that provides payment schedule information according to the type of payment plan such as equal payment, bonus payment, unequal payment, seasonal payment, etc. is disclosed.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the prior art, when changing the payment amount included in the payment schedule information, it is necessary to calculate the breakdown such as the principal amount and the fee included in the payment amount outside the system, and the user has to manually input the changed breakdown into the system. For this reason, in the prior art, the workload related to changing the payment schedule was large.

[0005] The present invention has been made in view of the above problems, and an object thereof is to provide a payment schedule management device, a payment schedule management method, and a payment schedule management program capable of reducing the workload related to changing the payment schedule.

Means for Solving the Problems

[0006] In order to solve the above-described problems and achieve the object, a payment schedule management device according to the present invention includes a control unit and is used by a non-bank or individual credit purchase intermediary business operator in response to a request for a payment schedule from an end user. It is a payment schedule management device that manages the payment schedule of installment payments for the price, and the control unit includes a display control unit that displays a display screen including payment schedule information in which the payment amount for each payment year and month and the breakdown of the payment amount are associated, a reception unit that receives an input by a user of the business operator, and when an input of the payment year and month that is the target of the change in the payment amount and the changed payment amount corresponding to the payment year and month is received, an update unit that updates the payment amount and the breakdown corresponding to the received payment year and month in the payment schedule information based on the changed payment amount.

[0007] Further, the breakdown includes the breakdown amount for each breakdown item of the payment amount, and the update unit changes the payment amount corresponding to the received payment year and month in the payment schedule information to the received changed payment amount, and changes the breakdown amount included in the breakdown corresponding to the received payment year and month to the amount calculated based on the received changed payment amount.

[0008] Further, when the update unit receives an input of a change target period including a plurality of the payment year and month that are the target of the change in the payment amount and the changed payment amount corresponding to the change target period, the update unit updates the payment amount and the breakdown corresponding to the plurality of the payment year and month included in the received change target period in the payment schedule information based on the changed payment amount.

[0009] Further, the update unit updates the payment amount and the breakdown corresponding to the payment year and month after the received payment year and month included in the payment schedule information based on the received changed payment amount.

[0010] In addition, the payment schedule management method according to the present invention includes a control unit and is a payment schedule management device used by a non-bank or individual credit purchase intermediary business operator for managing the payment schedule of installment payments in response to a request for a payment schedule from an end user. The method includes: displaying a display screen including payment schedule information associating the payment amount for each payment year and month and the breakdown of the payment amount; receiving an input from a user of the business operator; and when an input of the payment year and month for which the payment amount is to be changed and the changed payment amount (i.e., the modified payment amount) corresponding to the payment year and month is received, updating the payment amount and the breakdown in the payment schedule information corresponding to the received payment year and month based on the modified payment amount.

[0011] In addition, the payment schedule management program according to the present invention includes a control unit and is a payment schedule management device used by a non-bank or individual credit purchase intermediary business operator for managing the payment schedule of installment payments in response to a request for a payment schedule from an end user. The program causes the control unit to execute: displaying a display screen including payment schedule information associating the payment amount for each payment year and month and the breakdown of the payment amount; receiving an input from a user of the business operator; and when an input of the payment year and month for which the payment amount is to be changed and the changed payment amount (i.e., the modified payment amount) corresponding to the payment year and month is received, updating the payment amount and the breakdown in the payment schedule information corresponding to the received payment year and month based on the modified payment amount.

Effect of the Invention

[0012] According to the present invention, there is an effect that the workload related to changing the payment schedule can be reduced.

Brief Description of the Drawings

[0013]

Figure 1

Figure 2A

Figure 2B

Figure 2C

Figure 3A

Figure 3B

Figure 3C

Figure 3D

Figure 3E

Figure 4A

Figure 4B

Figure 5

DETAILED DESCRIPTION OF THE INVENTION

[0014] Hereinafter, embodiments of a payment schedule management device, a payment schedule management method, and a payment schedule management program according to the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to the present embodiment.

[0015] [1. Configuration] An example of the configuration of the payment schedule management device 100 according to the present embodiment will be described with reference to FIG. 1. FIG. 1 is a block diagram showing an example of the configuration of the payment schedule management device 100.

[0016] The payment schedule management device 100 of the present embodiment is a device that manages the payment schedule of installment payments.

[0017] The payment schedule management device 100 is a commercially available desktop personal computer. The payment schedule management device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, or tablet personal computer.

[0018] The payment schedule management device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each unit included in the payment schedule management device 100 is communicably connected via an arbitrary communication path.

[0019] The communication interface unit 104 communicably connects the payment schedule management device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of communicably connecting the payment schedule management device 100 and the server 200 to each other, and is, for example, the Internet or a LAN (Local Area Network). Note that various data stored in the storage unit 106 may be stored in the server 200, for example.

[0020] An input device 112 and an output device 114 are connected to the input / output interface unit 108. As the output device 114, in addition to a monitor (including a home television), a speaker or a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. In the following, the output device 114 may be described as the monitor 114, and the input device 112 may be described as the keyboard 112 or the mouse 112.

[0021] The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 records a computer program for giving instructions to the CPU (Central Processing Unit) to perform various processes in cooperation with the OS (Operating System). As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, and an optical disk can be used.

[0022] The storage unit 106 stores, for example, contract information 106a, payment schedule information 106b, and automatic calculation logic 106c, etc. The contract information 106a and the payment schedule information 106b are databases, tables, etc. in which various kinds of information are registered. In this embodiment, the databases, tables, and data structures used in this embodiment will be described in a simplified manner. The actual structures of these databases, tables, and data are more complex, but parts not directly related to the present invention will be shown in a more simplified manner than the actual ones.

[0023] FIG. 2A is a schematic diagram showing an example of the data structure of the contract information 106a. The contract information 106a is a database for managing information related to payment contracts. The contract information 106a is, for example, a database that associates a reception No (number), a reception No branch number, a credit principal amount, a split payment fee, a total split payment amount, the number of payment times, and a payment period, etc. The reception No is given, for example, for each contract unit of the payment contract.

[0024] FIG. 2B is a schematic diagram showing an example of the data structure of the payment schedule information 106b. The payment schedule information 106b is a table for managing information related to the payment schedule of split payments for each payment contract. Information representing a payment schedule based on the contract information 106a of the corresponding payment contract is pre-registered in the payment schedule information 106b. That is, the payment schedule information 106b is information that associates the payment amount and the breakdown of the payment amount for each payment year and month.

[0025] Specifically, for example, in the payment schedule information 106b, a reception number, a reception number branch number, a payment SEQ (sequence number), a payment year and month, a contract date, a payment date, a number of payment times, a contract interest rate, a payment amount, and a breakdown of the payment amount are registered in association with each other. The breakdown is the breakdown of the payment amount and includes the breakdown amount for each breakdown item. For example, the breakdown includes the breakdown amount for each breakdown item such as principal, fee, carry-over fee, etc. included in the corresponding payment amount.

[0026] In this embodiment, it is assumed that the storage unit 106 stores in advance the contract information 106a and the payment schedule information 106b created in advance by an external information processing device or the like. FIG. 2B shows, as an example, a case where the payment schedule information 106b is created in advance so as to be a payment schedule of equal installments. Note that the payment schedule information 106b stored in advance in the storage unit 106 may be created in advance, and the payment plan is not limited to equal installments.

[0027] FIG. 2C is an explanatory diagram of an example of the automatic calculation logic 106c. The automatic calculation logic 106c is an algorithm used for automatic calculation by the control unit 102 described later. Details of the automatic calculation logic 106c will be described later.

[0028] Returning to FIG. 1, the description continues. The control unit 102 is a CPU or the like that comprehensively controls the payment schedule management device 100. The control unit 102 has an internal memory for storing a control program such as an OS (operating system), a program defining various processing procedures, and required data, and executes various information processes based on these stored programs.

[0029] In this embodiment, the control unit 102 includes a display control unit 102a, a reception unit 102b, and an update unit 102c.

[0030] The display control unit 102a displays a display screen including the payment schedule information 106b. The display control unit 102a may display the display screen on the monitor 114, or may display it on the monitor of an external information processing device connected via the network 300. The external information processing device for displaying the display screen is, for example, a mobile terminal operated by the user or an information processing device managed by the user. In the present embodiment, the display control unit 102a will be described by taking as an example the form of displaying the display screen on the monitor 114.

[0031] The reception unit 102b receives an input from the user. In the present embodiment, the reception unit 102b receives the information input by the operation of the input device 112 by the user from the input device 112. Note that the reception unit 102b may receive the input from the user from an input device connected to the information processing device having the monitor on which the display screen is displayed by the display control unit 102a. In the present embodiment, the reception unit 102b will be described by taking as an example the form of receiving the input from the user from the input device 112.

[0032] The update unit 102c updates the information included in the payment schedule information 106b based on the information received by the reception unit 102b.

[0033] Specifically, when the update unit 102c receives the input of the payment year and month for which the payment amount is to be changed and the changed payment amount corresponding to the payment year and month, which is the changed payment amount, the update unit 102c updates the payment amount and breakdown corresponding to the payment year and month for which the input was received in the payment schedule information 106b based on the changed payment amount.

[0034] More specifically, the update unit 102c changes the payment amount corresponding to the payment year and month for which the input was received in the payment schedule information 106b to the changed payment amount for which the input was received. Also, the update unit 102c changes the breakdown amount included in the breakdown corresponding to the payment year and month for which the input was received to the amount calculated based on the changed payment amount for which the input was received.

[0035] Further, when the update unit 102c receives an input of a change target period including a plurality of payment years and months for which the payment amount is to be changed, and a changed payment amount corresponding to the change target period, the update unit 102c updates the payment amount and breakdown corresponding to the plurality of payment years and months included in the change target period received for the payment schedule information 106b based on the changed payment amount.

[0036] In addition, the update unit 102c updates the payment amount and breakdown corresponding to the payment years and months after the payment year and month for which the input payment amount is to be changed and included in the payment schedule information 106b based on the input changed payment amount.

[0037] The details of the processing flow in the control unit 102 will be described in detail with specific examples.

[0038] FIG. 3A is a schematic diagram of an example of the display screen 20. The display control unit 102a reads the payment schedule information 106b corresponding to the acceptance No of the payment contract input by the operation instruction of the input device 112 by the user from the storage unit 106. Then, the display control unit 102a displays the display screen 20 including the read payment schedule information 106b on the monitor 114.

[0039] The payment schedule information 106b is included in the display screen 20.

[0040] While visually recognizing the display screen 20, the user operates the input device 112 to select the display column 20B of the details of the payment year and month to be changed, and operates an execution key such as the enter key. The display control unit 102a activates and displays the input screen 30 on the display screen 20. The input screen 30 is an example of a small screen or a pop-up screen displayed on the monitor 114 and includes the details of the selected payment year and month to be changed.

[0041] FIG. 3A shows, as an example, a scene where the details of the payment year and month "2017 / 01" included in the payment schedule information 106b are selected as the change target. In this case, the display control unit 102a displays the input screen 30 including the details of the selected payment year and month "2017 / 01".

[0042] The control unit 102a displays the payment amount included in the details of the payment year and month "2017 / 01" in the display field 30A so that it can be changed. The user operates the input device 112 while viewing the input screen 30, and inputs the changed payment amount, which is the changed payment amount, into the display field 30A. FIG. 3A shows, as an example, a case where the payment amount before the change is "￥55,000" and the input changed payment amount is "￥500,000".

[0043] When the user inputs the changed payment amount, the reception unit 102b receives the input of the changed payment amount. The update unit 102c calculates the breakdown amount included in the corresponding breakdown based on the received changed payment amount. The display control unit 102a displays the calculated breakdown amount in the breakdown display field 30B.

[0044] The update unit 102c calculates the breakdown amount using the automatic calculation logic 106c.

[0045] This will be described with reference to FIG. 2C. The automatic calculation logic 106c is an algorithm used for automatically calculating the breakdown amount. The storage unit 106 stores the automatic calculation logic 106c in advance. FIG. 2C describes, as an example, a form in which the automatic calculation logic 106c is the 78 - minute method, which is a calculation method for calculating assuming equal monthly installments over 12 months. Note that the automatic calculation logic 106c stored in the storage unit 106 may be any algorithm used for automatically calculating the breakdown amount, and is not limited to the 78 - minute method.

[0046] As shown in FIG. 2C, the automatic calculation logic 106c includes calculation formulas used for calculating each of the principal amount, fee, automatically calculated fee, carry - over fee, which are examples of breakdown items. Further, the automatic calculation logic 106c may further include calculation formulas used for calculating the nth - time divided fee and the cumulative fee up to the nth time. n is an integer of 1 or more.

[0047] Returning to FIG. 3A, the description will continue. When the user inputs the changed payment amount in the display field 30A of the input screen 30, the update unit 102c uses the automatic calculation logic 106c to calculate the breakdown amount of each breakdown item of the input changed payment amount from the changed payment amount received. The update unit 102c calculates each of the principal amount, the fee, the automatically calculated fee, and the carry-over fee as the breakdown amount of the changed payment amount of "￥500,000" using the automatic calculation logic 106c.

[0048] The display control unit 102a displays the breakdown amount of each breakdown item calculated by the update unit 102c in the breakdown display field 30B on the input screen 30. For this reason, the user can input the changed payment amount in the display field 30A while confirming the breakdown of the changed payment amount.

[0049] Then, when the confirmation button 30C included in the input screen 30 is instructed by an operation instruction of the input device 112 by the user, the update unit 102c updates the payment schedule information 106b by registering the changed payment amount and the breakdown corresponding to the payment year and month included in the input screen 30 in the payment schedule information 106b. That is, the payment amount of the payment year and month of the change target selected by the user included in the payment schedule information 106b stored in the storage unit 106 is updated to the changed payment amount input by the user. Also, the breakdown corresponding to the payment amount included in the payment schedule information 106b stored in the storage unit 106 is updated to be the breakdown amount of the changed payment amount calculated by the update unit 102c.

[0050] The display control unit 102a displays the display screen 20 including the payment schedule information 106b updated by the update unit 102c on the monitor 114.

[0051] FIG. 3B is a schematic diagram of an example of the display screen 20 including the updated payment schedule information 106b. As shown in FIG. 3B, the payment amount corresponding to the changed payment year and month "2017 / 01" included in the payment schedule information 106b is updated to the changed payment amount (see display column 20C). Further, the breakdown amount of the breakdown corresponding to the changed payment amount is displayed in a state where it is changed to the breakdown amount automatically calculated by the update unit 102c (see display column 20D).

[0052] Note that the input screen 30 includes a continuous input selection column 30D. The continuous input selection column 30D is a selection column for continuously and sequentially selecting each of the details of the payment year and month included in the payment schedule information 106b as a change target. When the check box of the continuous input selection column 30D is selected, the display control unit 102a sequentially displays the input screen 30 including the details of the next payment year and month each time the confirmation button 30C is operated. Therefore, the user can sequentially select the desired payment year and month to be changed and sequentially change the payment amount.

[0053] Also, each time the user changes the payment amount, the update unit 102c automatically calculates the breakdown of the changed payment amount and updates the payment schedule information 106b. Further, the display control unit 102a displays the changed payment amount and the automatically calculated breakdown of the changed payment amount on the display screen 20.

[0054] Therefore, in the payment schedule management device 100 of the present embodiment, based only on the change operation of the payment amount of the payment year and month to be changed by the user, the breakdown of the changed payment amount, which is the payment amount after the change, can be automatically calculated. Further, the payment schedule management device 100 can display the automatic calculation result and update the payment schedule information 106b. Therefore, the payment schedule management device 100 of the present embodiment can reduce the work load related to changing the payment schedule. Further, the payment schedule management device 100 of the present embodiment can reduce the work load related to setting uneven payments.

[0055] Note that the update unit 102c may update the payment amount and breakdown corresponding to the payment amount after the payment year / month corresponding to the changed payment amount, which is the changed payment amount included in the payment schedule information 106b, based on the changed payment amount.

[0056] For example, assume a scenario where the payment amount corresponding to the payment year / month "2017 / 01" is updated to the changed payment amount by an operation instruction of the input device 112 by the user (see display column 20C). In this case, the update unit 102c may automatically calculate, using the automatic calculation logic 106c, the payment amount and breakdown corresponding to each of the payment years / months after the payment year / month "2017 / 2" which is after the payment year / month "2017 / 01" included in the payment schedule information 106b, and register them in the payment schedule information 106b to further update the payment schedule information 106b. Further, the display control unit 102a may display the display screen 20 including the updated payment schedule information 106b (see display column 20E).

[0057] In this case, when the payment schedule management device 100 receives the changed payment amount which is the payment amount after the change of the payment amount of the payment year / month to be changed, it can automatically calculate the breakdown of the changed payment amount, the payment amount of the payment year / month after the payment year / month to be changed, and the breakdown of the payment amount, and update and display the payment schedule information 106b.

[0058] Therefore, in the payment schedule management device 100 of the present embodiment, based only on the change operation of the payment amount of the payment year / month to be changed by the user, it is possible to automatically calculate the breakdown of the changed payment amount which is the payment amount after the change, the payment amount of the payment year / month after the payment year / month to be changed, and the breakdown of the payment amount. Further, the payment schedule management device 100 can perform the display of the automatic calculation result and the update of the payment schedule information 106b.

[0059] Furthermore, the update unit 102c may calculate the total of the updated payment amounts included in the payment schedule information 106b and the total of the breakdown amounts of each of the breakdown items, and display them on the display screen 20 (see display column 20F).

[0060] Returning to FIG. 3A, the description will be continued. On the other hand, when the batch reflection input area 20A included in the display screen 20 is selected, the update unit 102c may update the changed payment amounts for the change target period, which are the plurality of payment years and months included in the payment schedule information 106b, in a batch.

[0061] This will be described with reference to FIG. 3C. The batch reflection input area 20A is an input field for receiving a change target period including a plurality of payment years and months and a changed payment amount for the payment amount in the change target period.

[0062] The user operates the input device 112 to input into the batch reflection input area 20A the change target period for which the changed payment amount is to be reflected in a batch. Further, the user operates the input device 112 to input the changed payment amount, which is the changed payment amount for the payment amount corresponding to the payment year and month included in the change target period.

[0063] FIG. 3C shows, as an example, a scene in which the payment years and months from "2017 / 02" to "2017 / 06" are input as the change target period and the changed payment amount of "￥10,000" is input. In this case, in the payment schedule information 106b shown in FIG. 3C, the details of the payment years and months from "2017 / 02" to "2017 / 06" are in a state of being selected as the change target for the payment amount (see the display column 20G).

[0064] Then, when an execution key such as an enter key is operated by the user's operation of the input device 112, the reception unit 102b receives the input of the change target period and the changed payment amount. The update unit 102c calculates the breakdown amount included in the corresponding breakdown based on the received changed payment amount. The display control unit 102a displays the calculated breakdown amount. For example, the display screen 20 shown in FIG. 3D is displayed on the monitor 114.

[0065] FIG. 3D shows an example of a display screen 20 including updated payment schedule information 106b. The update unit 102c uses the automatic calculation logic 106c to calculate the breakdown of each of the plurality of payment years and months included in the changed payment period from the changed payment amount for which an input has been received. The update unit 102c calculates each of the principal amount, the fee, the automatically calculated fee, and the carry-over fee as the breakdown amount of the changed payment amount of "￥10,000" for each of the plurality of payment years and months included in the changed payment period.

[0066] The display control unit 102a displays the input changed payment amount "￥10,000" in the corresponding display column 20H as the payment amount corresponding to the payment years and months "2017 / 02" to "2017 / 06" input as the changed payment period. Further, the display control unit 102a displays the breakdown amount of each of the breakdown items calculated by the update unit 102c in the corresponding breakdown display column 20I on the input screen 30.

[0067] Therefore, the user can input the changed payment period and the changed payment amount in the batch reflection input area 20A while checking the breakdown of the changed payment amount. Further, the user can input the changed payment amount for a plurality of payment years and months at once by inputting the changed payment period and the changed payment amount in the batch reflection input area 20A. Further, the payment schedule management device 100 can register and reflect the changed payment amount for a plurality of payment years and months in the payment schedule information 106b at once.

[0068] Further, the update unit 102c updates the payment schedule information 106b by registering the changed payment amount corresponding to the input changed payment period and the automatically calculated breakdown in the payment schedule information 106b. That is, the payment amount for the changed payment period selected by the user included in the payment schedule information 106b stored in the storage unit 106 is updated all at once to the changed payment amount input by the user. Further, the breakdown corresponding to the payment amount for the changed payment period included in the payment schedule information 106b stored in the storage unit 106 is updated to the breakdown amount calculated by the update unit 102c.

[0069] Therefore, the payment schedule management device 100 can register and reflect the changed payment amounts and breakdowns for a plurality of payment years and months in the payment schedule information 106b in a batch.

[0070] Similarly to the above, the update unit 102c may update the payment amounts and breakdowns corresponding to the payment amounts after the payment year and month corresponding to the changed payment amount, which is the changed payment amount included in the payment schedule information 106b, based on the changed payment amount (see display column 20J). Also, similarly to the above, the update unit 102c may calculate the total of the updated payment amounts included in the payment schedule information 106b and the total of the breakdown amounts of each of the breakdown items, and display them on the display screen 20 (see display column 20F).

[0071] By performing the above update process by the update unit 102c, for example, the payment schedule information 106b shown in FIG. 2B is updated to the payment schedule information 106b shown in FIG. 3E.

[0072] The update unit 102c may determine whether the total of the payment amounts calculated using the updated payment schedule information 106b matches the total of the installment payment amounts corresponding to the same reception No shown in the contract information 106a. And when the update unit 102c determines that they do not match, the display control unit 102a may display an error screen on the monitor 114.

[0073] FIG. 4A is a schematic diagram of an example of the error screen 40. For example, as shown in FIG. 3B, assume a scenario where the total of the updated payment amounts included in the payment schedule information 106b calculated by the update unit 102c is "￥1,545,000" (see display column 20F). On the other hand, as shown in FIG. 2A, assume a scenario where the total of the installment payment amounts corresponding to the same reception No included in the contract information 106a is "￥1,100,000". In this case, the update unit 102c determines that they do not match, and the display control unit 102a may display the error screen 40 indicating that the total of the installment payment amounts does not match on the monitor 114.

[0074] By displaying the error screen 40, the payment schedule management device 100 can prompt the user to correct the payment amount or the like.

[0075] Further, the update unit 102c may determine whether at least a part of the change target period input in the batch reflection input area 20A matches the payment period included in the payment schedule information 106b. For example, the update unit 102c may make this determination by determining whether the change target period input in the batch reflection input area 20A is within the range of the payment period corresponding to the same reception No included in the contract information 106a.

[0076] For example, assume a scenario where the payment months "2016 / 01" to "2016 / 12" are input as the change target period of the payment amount included in the payment schedule information 106b corresponding to a certain reception No in the batch reflection input area 20A. Also, assume a scenario where, as shown in FIG. 2A, the payment period "2017 / 01 to 2018 / 08" is registered as the payment period corresponding to the reception No in the contract information 106a.

[0077] In this case, the update unit 102c determines that the change target period and the payment period do not match. And when the update unit 102c determines the mismatch of the payment period, the display control unit 102a may display an error screen on the monitor 114.

[0078] FIG. 4B is a schematic diagram of an example of the error screen 42. For example, the display control unit 102a displays an error screen 42 including a message prompting the designation of months and years within the payment schedule range on the monitor 114. By referring to the error screen 42, the user can recognize that it is necessary to correct the change target period input in the batch reflection input area 20A.

[0079] Next, an example of the information processing flow executed by the payment schedule management device 100 of the present embodiment will be described.

[0080] FIG. 5 is a flowchart showing an example of the information processing flow executed by the payment schedule management device 100 of the present embodiment.

[0081] The display control unit 102a displays on the monitor 114 a display screen 20 including the payment schedule information 106b stored in the storage unit 106 (step S100). The display control unit 102a receives, for example, the reception No. of the payment contract to be displayed from the input device 112 via the reception unit 102b. The display control unit 102a may display on the monitor 114 an input screen 30 including the payment schedule information 106b corresponding to the received reception No.

[0082] Next, the reception unit 102b determines whether or not it has received a selection of the details of the payment year and month to be changed (step S102). If an affirmative determination is made in step S102 (step S102: Yes), the process proceeds to step S104.

[0083] The display control unit 102a displays on the monitor 114 an input screen 30 including the details of the payment year and month to be changed received in step S102 (step S104). By the process of step S104, for example, the input screen 30 shown in FIG. 3A is displayed on the monitor 114.

[0084] When the reception unit 102b receives an input of the changed payment amount (step S106), the update unit 102c calculates the breakdown amount included in the corresponding breakdown based on the changed payment amount received in step S106 (step S108). The display control unit 102a displays the breakdown amount calculated in step S108 on the input screen 30 and the display screen 20, and the update unit 102c updates the payment schedule information 106b by registering the changed payment amount received in step S106 and the breakdown amount calculated in step S108 in the payment schedule information 106b (step S110).

[0085] Further, the update unit 102c calculates, based on the changed payment amount, the payment amount and breakdown corresponding to the payment amount after the payment year and month corresponding to the changed payment amount, which is the payment amount changed in step S110 and included in the payment schedule information 106b (step S112). The display control unit 102a displays the payment amount and breakdown calculated in step S112, and the update unit 102c updates the payment schedule information 106b by registering the payment amount and breakdown calculated in step S112 in the payment schedule information 106b (step S114).

[0086] Next, the display control unit 102a determines whether the continuous input selection column 30D included in the input screen 30 is selected (step S116). If the determination in step 116 is affirmative (step S116: Yes), the process proceeds to step S118. In step S118, the display control unit 102a displays the input screen 30 including the details of the next payment year and month (step S118), and returns to the above step S106.

[0087] If the determination in step S116 is negative (step S116: No), the process proceeds to step S120. In step S120, the control unit 102 determines whether the process is finished (step S120). If the determination in step S120 is negative (step S120: No), the process returns to the above step S102. If the determination in step S120 is affirmative (step S120: Yes), this routine ends.

[0088] On the other hand, if the determination in step S102 is negative (step S102: No), the process proceeds to step S122. In step S122, the reception unit 102b receives the input of the change target period and the changed payment amount (step S122).

[0089] The update unit 102c calculates the breakdown amounts included in the corresponding breakdown based on the changed payment amount received in step S122 (step S124). The display control unit 102a displays the breakdown amounts calculated in step S124, and the update unit 102c updates the payment schedule information 106b by registering the changed payment amount received in step S122 and the breakdown amounts calculated in step S124 in the payment schedule information 106b (step S126).

[0090] Also, the update unit 102c calculates, based on the changed payment amount, the payment amounts and breakdowns corresponding to the payment amounts after the change target period corresponding to the changed payment amount, which is the payment amount changed in step S126 and included in the payment schedule information 106b (step S128). The display control unit 102a displays the payment amounts and breakdowns calculated in step S128, and the update unit 102c updates the payment schedule information 106b by registering the payment amounts and breakdowns calculated in step S128 in the payment schedule information 106b (step S130). Then, the process proceeds to step S120 above.

[0091] As described above, the payment schedule management device 100 of the present embodiment includes a control unit 102 and manages payment schedules. The control unit 102 includes a display control unit 102a and an update unit 102c. The display control unit 102a displays a display screen including payment schedule information 106b in which the payment amounts for each payment year and month and the breakdown of the payment amounts are associated. The reception unit 102b receives an input from the user. When the update unit 102c receives an input of the payment year and month for which the payment amount is to be changed and the changed payment amount, which is the changed payment amount corresponding to the payment year and month, the update unit 102c updates the payment amount and breakdown corresponding to the payment year and month for which the input was received in the payment schedule information 106b based on the changed payment amount.

[0092] Therefore, in the payment schedule management device 100 of the present embodiment, based on only the change operation of the payment amount for the payment year and month to be changed by the user, the breakdown of the changed payment amount, which is the payment amount after the change, can be automatically calculated and updated. That is, the user can confirm the automatically calculated breakdown without separately inputting the breakdown of the changed payment amount by inputting the payment amount to be changed.

[0093] Therefore, the payment schedule management device 100 of the present embodiment can reduce the workload related to changing the payment schedule.

[0094] In addition, since the payment schedule management device 100 of the present embodiment automatically calculates and updates the breakdown that was conventionally input manually by the user, in addition to the above effects, it is possible to improve the efficiency of the registration work related to payment schedule management and suppress human errors.

[0095] In addition, since the breakdown that was conventionally managed by an information processing device external to the payment schedule management device 100 can be managed by the payment schedule management device 100, in addition to the above effects, it is possible to improve the efficiency of monthly accounting work.

[0096] In addition, the payment schedule management device 100 of the present embodiment updates the payment amount and breakdown corresponding to the payment year and month for which the input was received in the payment schedule information 106b based on the received changed payment amount. Therefore, it is possible to create general-purpose uneven payment schedule information 106b that does not depend on products or rate setting patterns.

[0097] Note that the application target of the payment schedule management device 100 of the present embodiment is not limited. For example, the payment schedule management device 100 of the present embodiment is applied to an information processing device that performs payment schedule management used in industries such as non-banks, or business operators that conduct individual credit purchase brokerage services.

[0098] For example, by applying the payment schedule management device 100 of the present embodiment to an information processing device used by a business operator or the like that conducts individual credit purchase brokerage services, it is possible to support the creation of a payment schedule that is general-purpose without depending on products or rate settings and is easy to operate in response to a request for a payment schedule from an end user. Also, for this reason, the payment schedule management device 100 of the present embodiment can also reduce the loss of sales opportunities for products and the like.

[0099] Further, in the payment schedule management device 100 of the present embodiment, it is possible to lower the business hurdle regarding the expansion of products corresponding to uneven payment deployment. For this reason, the payment schedule management device 100 of the present embodiment can support the acquisition of new customers through the expansion of handled products.

[0100] Also, by arranging the payment schedule management device 100 of the present embodiment in the department that conducts accounting operations, it is possible to precisely grasp the amount of accrued interest received for each payment year and month, and provide information that can be effectively used as a material for management decisions. Further, the payment schedule management device 100 of the present embodiment can reduce the work load for grasping accounting figures in accounting operations.

[0101] [2. Contribution to the Sustainable Development Goals (SDGs) Led by the United Nations] According to the present embodiment, since it is possible to contribute to promoting business efficiency and appropriate management decisions of the enterprise, it becomes possible to contribute to Goals 8 and 9 of the SDGs.

[0102] Also, according to the present embodiment, since it is possible to contribute to reducing waste loss and promoting paperless digitization, it becomes possible to contribute to Goals 12, 13, and 15 of the SDGs.

[0103] Also, according to the present embodiment, since it is possible to contribute to strengthening control and governance, it becomes possible to contribute to Goal 16 of the SDGs.

[0104] [3. Other Embodiments] In addition to the above-described embodiments, the present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims.

[0105] For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be manually performed, or all or part of the processes described as being manually performed can be automatically performed by a known method.

[0106] Also, regarding the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and the drawings, they can be arbitrarily changed unless otherwise specified.

[0107] Regarding the payment schedule management device 100, each illustrated component is a functional concept, and it is not necessarily physically configured as illustrated.

[0108] For example, regarding the processing functions provided by the payment schedule management device 100, particularly each processing function performed by the control unit 102, all or any part of them may be realized by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware by wired logic. Note that the program is recorded on a non-transitory computer-readable recording medium including programmed instructions for causing an information processing device to execute the processes described in this embodiment, and is mechanically read by the payment schedule management device 100 as necessary. That is, in a storage unit such as a ROM or an HDD (Hard Disk Drive), a computer program for giving commands to the CPU in cooperation with the OS and performing various processes is recorded. This computer program is executed by being loaded into the RAM and constitutes the control unit in cooperation with the CPU.

[0109] In addition, this computer program may be stored in an application program server connected to the payment schedule management device 100 via an arbitrary network, and it is also possible to download all or part of it as necessary.

[0110] Also, the program for executing the processing described in this embodiment may be stored in a non-transitory computer-readable recording medium, and it can also be configured as a program product. Here, this "recording medium" includes any "portable physical medium" such as a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile Disk), and a Blu-ray (registered trademark) Disc.

[0111] Also, the "program" is a data processing method described in an arbitrary language or description method, and it does not matter whether it is in the form of source code or binary code. Note that the "program" is not necessarily limited to being configured singly, and includes those that are distributed as a plurality of modules or libraries, and those that achieve their functions in cooperation with other separate programs represented by an OS. Regarding the specific configuration, reading procedure, and installation procedure after reading for reading the recording medium in each device shown in this embodiment, well-known configurations and procedures can be used.

[0112] The various databases and the like stored in the memory unit 106 are storage means such as memory devices like RAM and ROM, fixed disk devices like hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and website provision.

[0113] Also, the payment schedule management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which an arbitrary peripheral device is connected. Further, the payment schedule management device 100 may be realized by installing software (including programs or data, etc.) for realizing the processes described in this embodiment in the device.

[0114] Furthermore, the specific form of the distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various additions or according to the function load. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

Explanation of Reference Numerals

[0115] 100 Payment schedule management device 102 Control unit 102a Display control unit 102b Reception unit 102c Update unit

Claims

1. A payment schedule management device that includes a control unit and is used by a non-bank or an individual credit purchase intermediary business in response to a payment schedule request from an end user to manage a payment schedule for installment payments of a price, The control unit is a display control unit that displays a display screen including payment schedule information in which a payment amount for each payment year and month and a breakdown of the payment amount are associated with each other; A reception unit that receives an input from a user of the business; an update unit that, when receiving an input of the payment month and year to be changed in the payment amount and a changed payment amount that is the changed payment amount corresponding to the payment month and year, updates the payment amount and the breakdown in the payment schedule information that corresponds to the payment month and year for which the input was received, based on the changed payment amount; A payment schedule management device comprising:

2. The breakdown includes a breakdown amount for each item of the payment amount, The update unit is In the payment schedule information, The payment amount corresponding to the payment year and month for which input has been accepted is changed to the changed payment amount for which input has been accepted; changing the breakdown amount included in the breakdown corresponding to the payment year and month whose input has been accepted to an amount calculated based on the changed payment amount whose input has been accepted; The payment schedule management device according to claim 1 .

3. The update unit is when input of a change target period including the multiple payment years and months for which the payment amount is to be changed and the changed payment amount corresponding to the change target period is accepted, updating the payment amount and the breakdown corresponding to the multiple payment years and months included in the change target period for which input in the payment schedule information was accepted based on the changed payment amount; 3. A payment schedule management device according to claim 1 or 2.

4. The update unit is updating the payment amount and the breakdown corresponding to the payment month subsequent to the payment month for which input was accepted, which is included in the payment schedule information, based on the changed payment amount for which input was accepted; A payment schedule management device according to any one of claims 1 to 3.

5. A payment schedule management method executed by an information processing device that has a control unit and is used by a non-bank or an individual credit purchase intermediation business in response to a payment schedule request from an end user, the information processing device managing payment schedules for installment payments of a price, Executed by the control unit, displaying a display screen including payment schedule information in which the payment amount for each payment year and month and a breakdown of the payment amount are associated with each other; accepting input from a user of the business; when input of the payment month and year to be changed in the payment amount and the changed payment amount corresponding to the payment month and year is accepted, updating the payment amount and the breakdown corresponding to the payment month and year for which the input was accepted in the payment schedule information based on the changed payment amount; A payment schedule management method including:

6. A payment schedule management program executed by an information processing device that has a control unit and is used by a non-bank or an individual credit purchase intermediary business in response to a payment schedule request from an end user to manage a payment schedule for installment payments of a price, In the control unit, displaying a display screen including payment schedule information in which the payment amount for each payment year and month and a breakdown of the payment amount are associated with each other; accepting input from a user of the business; when input of the payment month and year to be changed in the payment amount and the changed payment amount corresponding to the payment month and year is accepted, updating the payment amount and the breakdown corresponding to the payment month and year for which the input was accepted in the payment schedule information based on the changed payment amount; A payment schedule management program for carrying out the above.

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