Fee calculation device, fee calculation method, and fee calculation program

Abstract

To provide a fee calculation device capable of calculating an early repayment fee for installment credit products in a flexible manner and with low work load, by using rates set in a master for each product and affiliated store.SOLUTION: A fee calculation device includes: a master in which one or more affiliated store codes, product codes, and early repayment fee rates (%) are registered in association with each other; contract data including a customer number, one or more affiliated store codes, product codes, total installment fees, and total number of payments; and early repayment processing means, for contract data subject to early repayment, retrieves an early repayment fee rate (%) from the master using one or more affiliated store codes and product codes as keys, and calculates the early repayment fee by an expression of non-elapsed fee×retrieved early repayment fee rate (%)÷100 (where the non-elapsed fee is the installment fee that cannot be collected due to the early repayment in the originally scheduled installment fee).SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a fee calculation device, a fee calculation method, and a fee calculation program.

Background Art

[0002] For example, in installment sales, when early repayment is made, it is necessary to refund the fee for the remaining repayment period (hereinafter referred to as the "early repayment fee"; also referred to as the "refund fee"). As a system related to early repayment, for example, there is Patent Document 1.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Conventionally, for the early repayment fee, a fixed calculation method was used in the system, or the fee amount was manually input for each contract every time early repayment was made on the screen. Therefore, there were problems such as lack of flexibility and heavy workload.

[0005] The present invention has been made in view of the above, and in installment credit products, by using the interest rate set in the master for each product and each franchise for the early repayment fee, it is an object of the present invention to provide a fee calculation device, a fee calculation method, and a fee calculation program capable of calculating the early repayment fee in a flexible manner and with a low workload.

Means for Solving the Problems

[0006] In order to solve the above-described problems and achieve the object, the present invention provides a fee calculation device that includes a control unit and calculates an early settlement fee in installment credit products. The control unit is configured to be able to access a master that registers one or more franchise codes, product codes, and early settlement fee rates (%) in association with each other, and contract data including a customer number, one or more franchise codes, product codes, total installment fees, and total payment times. For contract data targeted for early settlement, the early settlement fee rate (%) is acquired from the master using one or more franchise codes and product codes as keys, and the early settlement fee is calculated by multiplying the outstanding fee by the acquired early settlement fee rate (%) and dividing by 100 (where the outstanding fee is the installment fee that can no longer be billed due to early settlement among the originally planned installment fee amounts). The early settlement processing means is characterized by being provided with such a calculation method.

[0007] Also, according to one aspect of the present invention, the early settlement processing means may display on the screen, as calculation results, the outstanding fee, the early settlement fee, and the discount fee = outstanding fee - early settlement fee.

[0008] Also, according to one aspect of the present invention, there is provided a fee calculation method executed by an information processing device including a control unit. The control unit is configured to be able to access a master that registers one or more franchise codes, product codes, and early settlement fee rates (%) in association with each other, and contract data including a customer number, one or more franchise codes, product codes, total installment fees, and total payment times. In the control unit, for contract data targeted for early settlement, the early settlement fee rate (%) is acquired from the master using one or more franchise codes and product codes as keys, and the early settlement fee is calculated by multiplying the outstanding fee by the acquired early settlement fee rate (%) and dividing by 100 (where the outstanding fee is the installment fee that can no longer be billed due to early settlement among the originally planned installment fee amounts). The early settlement processing step includes such a calculation method.

[0009] In addition, in order to solve the above-described problems and achieve the object, the present invention is a fee calculation program for causing an information processing apparatus including a control unit to execute, wherein the control unit includes a master in which one or more franchise codes, product codes, and early settlement fee rates (%) are registered in association with each other, and is configured to be accessible to contract data including a customer number, one or more franchise codes, product codes, total divided fee amount, and total number of payments, and for the contract data targeted for early settlement in the control unit, using one or more franchise codes and product codes as keys, obtain the early settlement fee rate (%) from the master, and calculate the early settlement fee as the outstanding fee × the obtained early settlement fee rate (%) ÷ 100 (where the outstanding fee is the divided fee amount that can no longer be billed due to early settlement among the originally planned divided fee amounts). It is a fee calculation program for causing the control unit to execute an early settlement processing step for calculating.

Effect of the Invention

[0010] According to the present invention, in installment credit products, by using the interest rates set in the master for early settlement fees by product and franchise, it is possible to calculate the early settlement fees in a flexible manner with a low workload.

Brief Description of the Drawings

[0011]

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Figure 7

[0012] Embodiments of 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.

[0013] [1. Overview] For example, in a credit business based on the installment sales law, when a customer makes a request for early repayment, there are cases where an early repayment fee is charged. The amount varies depending on the product characteristics and the credit of the sales franchise.

[0014] In the conventional system for such a situation, the calculation of the early repayment fee is either a fixed calculation method or a method of manually inputting the fee amount for each contract each time early repayment is made on the screen, resulting in a structure lacking flexibility.

[0015] In the present invention, focusing on the fact that the early repayment fee tends to be determined for each sales franchise and product, a master configuration is adopted in which the interest rate of the early repayment fee charged for each sales franchise and product can be set.

[0016] In the present invention, by setting the calculation method (interest rate) of the early repayment fee for each sales franchise and product in the master and calculating the early repayment fee for each contract with reference to the set value, it becomes possible to calculate the early repayment fee in a flexible manner (the interest rate can be freely set for each sales franchise and product) and with a low workload. As a result, it can contribute to the early release of new products.

[0017] The fee calculation device of this embodiment is applicable to non-banks and all companies engaged in installment sales business.

[0018] [2. Configuration] FIG. 1 is a block diagram showing an example of the configuration of a fee calculation device 100 according to this embodiment. The fee calculation device 100 is, for example, a commercially available desktop personal computer. Note that the fee calculation 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. In FIG. 1, the fee calculation 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 fee calculation device 100 is communicably connected via an arbitrary communication path.

[0019] The communication interface unit 104 communicably connects the fee calculation 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 fee calculation device 100 and the server 200 to each other, and is, for example, the Internet or a LAN (Local Area Network).

[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. Note that hereinafter, the output device 114 may be described as the monitor 114.

[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) in cooperation with the OS (Operating System) to perform various processes. 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, an optical disk, etc. can be used.

[0022] The storage unit 106 stores a store-by-product master (master) 106a and various data such as contract data.

[0023] The store-by-product master 106a can be composed of, for example, a table or the like in which a plurality of store codes, product codes, and early settlement fee rates (%) are registered in association with each other.

[0024] The contract data may include a customer number, a branch number, one or more store codes, product codes, the total amount of divided fees, the total number of payments, etc.

[0025] The control unit 102 is a CPU or the like that comprehensively controls the fee calculation device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, required data, etc., and executes various information processes based on these stored programs.

[0026] The control unit 102 is configured to be able to access the store-by-product master 106a and contract data etc. stored in the storage unit 106. Note that the store-by-product master 106a and contract data etc. may be stored in another location (for example, the server 200), as long as the control unit 102 can access them.

[0027] Functionally conceptually, the control unit 102 includes a data registration unit 102a, a master maintenance unit 102b, an early completion processing unit 102c, and a screen display control unit 102d.

[0028] The data registration unit 102a inputs and registers contract data in the storage unit 106 in response to an operator's operation on a contract input screen displayed on the monitor 114, for example.

[0029] The master maintenance unit 102b performs settings such as data input, addition, change, and update on the store and product master 106a in response to an operator's operation on a master maintenance screen (not shown) displayed on the monitor 114, for example.

[0030] The early completion processing unit 102c, for example, in response to an operator's operation on an early completion registration screen (not shown) displayed on the monitor 114, for contract data targeted for early completion, uses one or more store codes and product codes as keys to obtain the early completion fee rate (%) from the store and product master 106a, and calculates the early completion fee as the outstanding fee × the obtained early completion fee rate (%) ÷ 100 (where the outstanding fee is the portion of the originally planned installment fee amount that cannot be billed due to early completion).

[0031] The early completion processing unit 102c may display on the early completion registration screen, as calculation results, the outstanding fee, the early completion fee, and the discounted fee = outstanding fee - early completion fee.

[0032] The screen display control unit 102e controls the display and input reception of various screens (for example, contract input screens, early completion registration screens, master maintenance screens, etc.) displayed on the monitor 114.

[0033] [3. Specific Example] With reference to FIGS. 1 to 7, a specific example of the processing of the control unit 102 of the fee calculation device 100 in the present embodiment will be described. FIGS. 2 to 7 are diagrams for explaining a specific example of the processing of the control unit 102 of the fee calculation device 100 in the present embodiment.

[0034] (3-1. Overall Processing) FIG. 2 is a diagram showing a flow for explaining an overview of the overall processing flow of the control unit 102 of the fee calculation device 100 in the present embodiment. Referring to FIG. 2, an overview of the overall processing flow of the control unit 102 of the fee calculation device 100 in the present embodiment will be described.

[0035] The master maintenance unit 102b executes a master maintenance process (step S1). Specifically, in the master maintenance process, the master maintenance unit 102b sets data of the store-by-product master 106a according to, for example, an operator's operation on a master maintenance screen (not shown) displayed on the monitor 114.

[0036] The early settlement processing unit 102c executes an early settlement registration process (step S2). Specifically, in the early settlement registration process, the early settlement processing unit 102c, according to an operator's operation on an early settlement registration screen (not shown) displayed on the monitor 114, for the contract data subject to early settlement, acquires the early settlement fee rate (%) from the store-by-product master 106a using one or more store codes and product codes as keys, and calculates the early settlement fee as the unearned fee × the acquired early settlement fee rate (%) ÷ 100 (where the unearned fee is the split fee amount that cannot be billed due to early settlement among the originally planned split fee amounts).

[0037] (3-2. Sample Data) FIGS. 3 to 7 are diagrams showing sample data for explaining a specific example of the processing of the control unit 102 of the fee calculation device 100 in the present embodiment. Referring to FIGS. 3 to 7, a specific example of the processing of the control unit 102 of the fee calculation device 100 in the present embodiment will be described.

[0038] (S1. Master Maintenance Process) Referring to FIG. 3, a specific example of the master maintenance process will be described. The master maintenance unit 102b sets the data of the store-by-product master 106a, for example, according to the operations of the operator on a master maintenance screen (not shown) displayed on the monitor 114.

[0039] FIG. 3 is a diagram showing a setting example of the store-by-product master 106a. The store-by-product master 106a has items of one or more store codes, product codes, and early settlement fee rates (%). "One or more store codes" is the key to identify the selling store, and the "product code" is the key for the product. In the example shown in the figure, the first row has a store code 1 "100", a store code 2 "0001", a product code "102", and an early settlement fee rate (%) "30.00000".

[0040] (S2. Early settlement registration process) Referring to FIGS. 4 to 7, a specific example of the early settlement registration process will be described. The early settlement processing unit 102c, for example, according to the operations of the operator on an early settlement registration screen (not shown) displayed on the monitor 114, obtains the early settlement fee rate (%) from the store-by-product master 106a using one or more store codes and product codes as keys for the contract data to be the subject of early settlement, and calculates the early settlement fee as the unexpired fee × the obtained early settlement fee rate (%) ÷ 100 (where the unexpired fee is the divided fee amount that could not be billed due to early settlement among the originally planned divided fee amounts). Further, the early settlement processing unit 102c may display on the early settlement registration screen, as the calculation result, the unexpired fee, the early settlement fee, and the discount fee = unexpired fee - early settlement fee.

[0041] Step (1): Obtain the early settlement fee rate (%) from the store-by-product master 106a using the store codes 1 to 3 and the product code held in the contract data of the corresponding contract as keys.

[0042] Figure 4(A) shows an example of contract data. The contract data includes items such as customer number, branch number, one or more franchise codes, product code, total amount of split fees, total number of payments, etc. "Customer number" and "branch number" are keys for contract identification. In the example shown in the figure, the first row shows customer number "100", branch number "1", franchise code 1 "100", franchise code 2 "0001", product code "102", total amount of split fees "500,000", and total number of payments "36".

[0043] Figure 4(B) shows an example of the data of the franchise-by-product master 106a (similar to Figure 3).

[0044] In this example, using the franchise code 1 "100", franchise code 2 "0001", and product code "102" of the contract data as keys, the early settlement fee rate (%) "30.00000" is obtained from the franchise-by-product master 106a.

[0045] Step (2): Using the early settlement fee rate (%) obtained in step (1), calculate the early settlement fee as shown in Figure 5 by the following formula.

[0046] Early settlement fee = Unpaid fee × Early settlement fee rate (%) obtained in step (1) ÷ 100 (rounded down)

[0047] "Unpaid fee" refers to the split fee that the credit company cannot bill due to early settlement among the originally planned split fee amounts. "Unpaid fee" can be calculated by the 78 - method, for example, according to formula (1) described in Figure 7.

[0048] The various parameters used in the 78 - method are as follows. Total amount of split fees: The total amount of split fees in the contract data Total number of payments (n): The total number of payments in the contract data Number of times at early settlement (m): Enter a value on the early settlement registration screen

[0049] Step (3): Display the result calculated in step (2) on the early completion registration screen.

[0050] FIG. 6 shows the items to be displayed on the early completion registration screen. "Unpaid fee" displays the unpaid fee in step (2). "Early completion fee" displays the early completion fee in step (2). "Discount fee" displays "Unpaid fee - Early completion fee" in step (2).

[0051] As described above, according to this embodiment, a store-by-product master 106a in which one or more store codes, product codes, and early completion fee rates (%) are registered in association with each other, contract data including customer No., one or more store codes, product codes, total installment fee amount, and total number of payments, and for the contract data targeted for early completion, using one or more store codes and product codes as keys, obtaining the early completion fee rate (%) from the store-by-product master 106a, and calculating the early completion fee as Unpaid fee × Obtained early completion fee rate (%) ÷ 100 (where the unpaid fee is the installment fee that can no longer be billed due to early completion among the originally planned installment fee amounts), an early completion processing unit 102c is provided. Therefore, in the case of installment credit products, by using the interest rate set in the master for each product and each store for the early completion fee, it is possible to calculate the early completion fee in a flexible manner and with a low workload.

[0052] [4. Contribution to the Sustainable Development Goals (SDGs) Led by the United Nations] According to this embodiment, it can contribute to promoting business efficiency and appropriate business judgment of the enterprise, so it is possible to contribute to Goals 8 and 9 of the SDGs.

[0053] Also, according to this embodiment, it can contribute to reducing waste loss and promoting paperless and digitization, so it is possible to contribute to Goals 12, 13, and 15 of the SDGs.

[0054] In addition, according to the present embodiment, since it can contribute to strengthening control and governance, it becomes possible to contribute to Goal 16 of the SDGs.

[0055] [5. Other Embodiments] The present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims, in addition to the embodiments described above.

[0056] 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.

[0057] In addition, 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.

[0058] Regarding the fee calculation device 100, each component shown in the figure is a functional concept, and it is not necessarily physically configured as shown in the figure.

[0059] For example, regarding the processing functions provided by the fee calculation device 100, particularly each processing function performed by the control unit, 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 the information processing device to execute the processing described in this embodiment, and is mechanically read by the fee calculation device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS to perform various processes is recorded in a storage unit such as a ROM or an HDD (Hard Disk Drive). This computer program is executed by being loaded into the RAM and constitutes the control unit in cooperation with the CPU.

[0060] Further, this computer program may be stored in an application program server connected to the fee calculation device 100 via an arbitrary network, and all or part of it can be downloaded as necessary.

[0061] Further, a program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium, or may 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.

[0062] Also, the "program" is a data processing method described in any language or description method, and is not limited to a form such as source code or binary code. Note that the "program" is not necessarily limited to being configured singly, and also includes those that are distributed as a plurality of modules or libraries, or those that achieve their functions in cooperation with another program typified by an OS. Regarding the specific configuration, reading procedure, and installation procedure after reading for reading the recording medium in each device shown in the embodiment, well-known configurations and procedures can be used.

[0063] The various databases and the like stored in the storage unit are storage means such as a memory device such as a RAM or a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk, and store various programs, tables, databases, and web page files used for various processes and website provision.

[0064] Further, the fee calculation 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 fee calculation device 100 may be realized by installing software (including a program or data, etc.) for realizing the processing described in the present embodiment in the device.

[0065] 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 functional load. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

Explanation of Reference Numerals

[0066] 100 Fee calculation device 102 Control unit 102a Data registration unit 102b Master maintenance unit 102c Early completion processing unit 102d Screen display control unit 104 Communication interface unit 106 Storage unit 106a Master for each franchise and each product 108 Input / output interface unit 112 Input device 114 Output device 300 Network

Claims

1. A fee calculation device that includes a control unit and calculates an early settlement fee in the case of an installment credit product, comprising: the control unit: a master that registers one or more store codes, product codes, and early settlement fee rates (%) in association with each other; contract data including customer No., one or more store codes, product codes, total installment fees, and total number of payments; configured to be accessible to; For the contract data subject to early settlement, using one or more store codes and product codes as keys, obtain the early settlement fee rate (%) from the master, and calculate the early settlement fee as the unexpired fee × the obtained early settlement fee rate (%) ÷ 100 (where the unexpired fee is the installment fee that can no longer be billed due to early settlement among the originally planned installment fee amounts). The fee calculation device is characterized by comprising early settlement processing means.

2. The fee calculation device according to claim 1, wherein the early settlement processing means displays, on a screen, as calculation results, the unexpired fee, the early settlement fee, and the discounted fee = unexpired fee - early settlement fee.

3. A fee calculation method executed by an information processing device including a control unit, comprising: the control unit: a master that registers one or more store codes, product codes, and early settlement fee rates (%) in association with each other; contract data including customer No., one or more store codes, product codes, total installment fees, and total number of payments; configured to be accessible to; executed in the control unit, For the contract data subject to early settlement, using one or more store codes and product codes as keys, obtain the early settlement fee rate (%) from the master, and calculate the early settlement fee as the unexpired fee × the obtained early settlement fee rate (%) ÷ 100 (where the unexpired fee is the installment fee that can no longer be billed due to early settlement among the originally planned installment fee amounts). The fee calculation method is characterized by including an early settlement processing step.

4. A fee calculation program for causing an information processing device including a control unit to execute, comprising: the control unit: a master that registers one or more store codes, product codes, and early settlement fee rates (%) in association with each other; contract data including customer No., one or more store codes, product codes, total installment fees, and total number of payments; configured to be accessible to; in the control unit, For the contract data subject to early completion, using one or more franchise codes and product codes as keys, obtain the early completion fee rate (%) from the master, and calculate the early completion fee as the outstanding fee × the obtained early completion fee rate (%) ÷ 100 (where the outstanding fee is the installment fee that cannot be billed due to early completion among the originally planned installment fee amounts). A fee calculation program for executing an early completion processing step.

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