Rate pattern automatic determination device, rate pattern automatic determination method, and rate pattern automatic determination program

Abstract

To provide a rate pattern automatic determination device, a rate pattern automatic determination method, and a rate pattern automatic determination program which can automatically determine an appropriate rate pattern from a plurality of rate patterns by associating preliminarily registered product data and a product purchased by an end user with a rate pattern.SOLUTION: Acceptance data where an affiliated store at which a product has been purchased and the purchased product are set is acquired, and a rate pattern of the purchased product at the affiliated store is determined on the basis of an affiliated store rate pattern association master, a rate pattern master, and the acceptance data.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to a rate pattern automatic determination device, a rate pattern automatic determination method, and a rate pattern automatic determination program.

Background Art

[0002] Patent Document 1 discloses a configuration for determining a franchise commission according to the credit settlement amount, credit payment method, international brand, card issuing company, and / or card grade.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the invention described in Patent Document 1 above, there is a problem that the franchise commission cannot be determined based on the purchased products of the end user.

[0005] The present invention has been made in view of the above problems, and an object of the present invention is to provide a rate pattern automatic determination device, a rate pattern automatic determination method, and a rate pattern automatic determination program that can associate product data registered in advance in a rate pattern with the purchased products of an end user and automatically determine an appropriate rate pattern from a plurality of rate patterns.

Means for Solving the Problems

[0006] In order to solve the above problems and achieve the object, a rate pattern automatic determination device according to the present invention is a rate pattern automatic determination device including a storage unit and a control unit, wherein the storage unit stores a franchise rate pattern association storage means for storing a franchise rate pattern association master in which a franchise of a credit card and a rate pattern of a commission of the credit card are associated and set, and a rate pattern storage means for storing a rate pattern master in which the rate pattern, the rate of the commission, and the target product of the rate are associated and set, and the control unit includes a reception acquisition means for acquiring reception data in which a purchasing franchise and a purchased product are set, and a rate pattern determination means for determining a rate pattern of the purchased product in the purchasing franchise based on the franchise rate pattern association master, the rate pattern master, and the reception data.

[0007] Further, in the rate pattern automatic determination device according to the present invention, the rate pattern determination means specifies candidates of the rate pattern set in the franchise rate pattern association master associated with the purchasing franchise set in the reception data, and from among the candidates, specifies the candidates set in the rate pattern master associated with the purchased product set in the reception data, and determines the candidates set in the rate pattern master as the rate pattern of the purchased product in the purchasing franchise.

[0008] Further, in the rate pattern automatic determination device according to the present invention, the reception data further has a payment frequency set, and when the rate pattern determination means specifies candidates of the rate pattern set in the franchise rate pattern association master associated with the purchasing franchise set in the reception data, and specifies the candidates set in the rate pattern master associated with the purchased product set in the reception data from among the candidates, and there are a plurality of candidates, the rate pattern automatic determination device determines, as the rate pattern of the purchased product in the purchasing franchise, the candidates set in the rate pattern master having a lower rate at the payment frequency set in the reception data.

[0009] Further, in the rate pattern automatic determination device according to the present invention, the control unit further includes rate pattern display means for displaying a rate pattern of purchased goods in the purchasing affiliated store.

[0010] Further, in the rate pattern automatic determination device according to the present invention, the storage unit further includes affiliated store storage means for storing an affiliated store master in which the affiliated store of the credit card is set. The control unit includes registration acquisition means for acquiring registration data in which a registration target affiliated store and handling goods in the registration target affiliated store are set, and based on the rate pattern master, the affiliated store master, and the registration data, association means for registering a record in which the registration target affiliated store and the rate pattern are associated with each other in the affiliated store rate pattern association master.

[0011] Further, in the rate pattern automatic determination device according to the present invention, the association means associates a record of the affiliated store master in which the registration target affiliated store is set as the affiliated store with a record of the rate pattern master in which handling goods in the registration target affiliated store are set as the target goods, and registers the record in which the registration target affiliated store set in the record of the affiliated store master and the rate pattern set in the record of the rate pattern master are associated with each other in the affiliated store rate pattern association master.

[0012] Further, in the rate pattern automatic determination device according to the present invention, the registration acquisition means acquires the registration data in which a plurality or a single registration target affiliated store and a plurality or a single handling goods in the registration target affiliated store are set, and the association means registers, in the affiliated store rate pattern association master, a record in which the plurality or single registration target affiliated store and a plurality or single rate patterns are associated with each other based on the rate pattern master, the affiliated store master, and the registration data.

[0013] Further, in the rate pattern automatic determination device according to the present invention, the control unit further includes a rate pattern registration means for registering a record in which a new rate pattern, the rate, and the target product are set in the rate pattern master when the rate of the commission of the credit card and a target product of the rate are newly registered.

[0014] Further, in the rate pattern automatic determination device according to the present invention, when a campaign rate of the commission of the credit card and a target product of the campaign rate are newly registered, the rate pattern registration means registers a record in which a new rate pattern, the campaign rate, and the target product are set in the rate pattern master.

[0015] Further, a rate pattern automatic determination method according to the present invention is a rate pattern automatic determination method for causing a rate pattern automatic determination device including a storage unit and a control unit to execute. The storage unit includes a franchise rate pattern association storage means for storing a franchise rate pattern association master in which a franchise of a credit card and a rate pattern of a commission of the credit card are associated and set, and a rate pattern storage means for storing a rate pattern master in which the rate pattern, the rate of the commission, and a target product of the rate are associated and set. The method includes a reception acquisition step of acquiring reception data in which a purchasing franchise and a purchased product are set, which is executed by the control unit, and a rate pattern determination step of determining a rate pattern of the purchased product in the purchasing franchise based on the franchise rate pattern association master, the rate pattern master, and the reception data.

[0016] Also, the rate pattern automatic determination program according to the present invention is a rate pattern automatic determination program for causing a rate pattern automatic determination device including a storage unit and a control unit to execute. The storage unit includes a franchise rate pattern association storage means for storing a franchise rate pattern association master in which a franchise of a credit card and a rate pattern of a commission fee of the credit card are associated and set, and a rate pattern storage means for storing a rate pattern master in which the rate pattern, the rate of the commission fee, and the target product of the rate are associated and set. In the control unit, a reception acquisition step of acquiring reception data in which a purchasing franchise and a purchased product are set, and a rate pattern determination step of determining a rate pattern of the purchased product in the purchasing franchise based on the franchise rate pattern association master, the rate pattern master, and the reception data are executed.

Effect of the Invention

[0017] According to the present invention, in setting rate patterns (customer commissions, franchisee commissions, etc.), there is an effect that common rate patterns can be registered in advance and the rate patterns can be associated with a plurality of franchisees at once. Further, according to the present invention, there is an effect that it is possible to support the daily input work of the operator and reduce the load of rate management operation. Further, according to the present invention, in the rate pattern determined for each franchisee in the installment payment contract (credit purchase assistance), since the rate is often actually determined by the purchased goods of the end user, by holding product data in the rate pattern in advance, when the credit company actually registers a credit application, there is an effect that the rate pattern can be automatically determined from the data of the purchased goods. Further, according to the present invention, in setting the rate pattern determined for each franchisee in the installment payment contract, by registering a common rate pattern in advance and associating the rate pattern with a plurality of franchisees at once, although individual registration of the rate pattern was required for each franchisee store until now, there is an effect that it can be operated with a minimum necessary registration of the rate pattern. Further, according to the present invention, since in reality, even if the franchisees are different, the same rate pattern is often used depending on the purchased goods of the end user, there is an effect that a common rate pattern can be registered alone in the master and the rate pattern can be associated with the franchisee. Further, according to the present invention, there is an effect that the rate can be automatically determined using the data of the purchased goods on the reception screen. Further, according to the present invention, there is an effect that registration of the rate pattern for the number of franchisees becomes unnecessary.

Brief Description of Drawings

[0018]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

DETAILED DESCRIPTION OF THE INVENTION

[0019] Embodiments of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited by these embodiments.

[0020] [1. Overview] First, the overview of the present invention will be described with reference to FIG. 1. FIG. 1 is a diagram showing an example of a conventional franchise rate pattern setting.

[0021] Conventionally, since there was no information that could automatically determine the rate pattern, the rate pattern was manually selected and determined by the operator after looking at the content and registered individually for each franchise, so a heavy workload was required for registration and change.

[0022] As shown in FIG. 1, conventionally, when associating a rate pattern with a franchise, since the franchise rate pattern was set individually and held as a franchise rate pattern, when the number of franchises was large, registration was complicated and a huge amount of work was required. As shown in the upper part of FIG. 1, conventionally, at the time of new registration, even if there was the same rate pattern in different franchises, individual registration work was required. Also, as shown in the lower part of FIG. 1, conventionally, at the time of campaign rate registration, even when applying a common campaign rate to a plurality of franchises, additional registration work equal to the number of franchises was required.

[0023] Therefore, in the present embodiment, a mechanism is provided for associating a credit card rate pattern with a franchise and automatically determining an appropriate rate pattern.

[0024] [2. Configuration] An example of the configuration of the rate pattern automatic determination device 100 according to this embodiment will be described with reference to FIGS. 2 to 5. FIG. 2 is a block diagram showing an example of the configuration of the rate pattern automatic determination device 100 in this embodiment.

[0025] As shown in FIG. 2, the rate pattern automatic determination device 100 is a commercially available desktop personal computer. Note that the rate pattern automatic determination 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, a PDA (Personal Digital Assistants), a smartphone, or a tablet personal computer.

[0026] The rate pattern automatic determination 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 rate pattern automatic determination device 100 is communicably connected via an arbitrary communication path.

[0027] The communication interface unit 104 communicably connects the rate pattern automatic determination 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 rate pattern automatic determination device 100 and the server 200 to each other, and is, for example, the Internet or a LAN (Local Area Network).

[0028] The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 records a computer program for giving commands 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. The storage unit 106 includes a rate pattern master 106a, a franchisee master 106b, and a franchisee rate pattern association master 106c.

[0029] The rate pattern master 106a is a master that sets the rate pattern of the credit card handling fee. Here, the rate pattern master 106a may be set in association with the rate pattern of the credit card handling fee, the rate of the credit card handling fee, and / or the target product of the rate. Also, the rate may include the rate for each payment frequency. Further, the rate pattern master 106a may store a rate pattern identifier (for example, a rate pattern name and / or a rate pattern code (CD), etc.) and / or a target product identifier (for example, a product name and / or a product code, etc.).

[0030] The franchisee master 106b is a master that sets the credit card franchisees. Here, the franchisee master 106b may store a franchisee identifier (for example, a franchisee name and / or a franchisee code, etc.).

[0031] The franchisee rate pattern association master 106c is a master that associates and sets the credit card franchisee and the rate pattern of the credit card handling fee. Here, the franchisee rate pattern association master 106c may store a franchisee identifier (for example, a franchisee name and / or a franchisee code, etc.) and / or a rate pattern identifier (for example, a rate pattern name and / or a rate pattern code (CD), etc.).

[0032] An input / output interface unit 108 has an input device 112 and an output device 114 connected thereto. As the output device 114, in addition to a monitor (including a touch panel), 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, there may be cases where the output device 114 is described as the monitor 114 or the printer 114, and the input device 112 is described as the keyboard 112 or the mouse 112.

[0033] The control unit 102 is a CPU or the like that comprehensively controls the rate pattern automatic determination device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, etc., and executes various information processes based on these stored programs. Conceptually in terms of functions, the control unit 102 includes a rate pattern registration unit 102a, a registration acquisition unit 102b, an association unit 102c, a reception acquisition unit 102d, a rate pattern determination unit 102e, and a rate pattern display unit 102f.

[0034] The rate pattern registration unit 102a registers a record in which a rate pattern of a credit card commission rate, a credit card commission rate, and a target product of the rate are set in the rate pattern master 106a. Here, when a new credit card commission rate and a target product of the rate are newly registered, the rate pattern registration unit 102a may register a new rate pattern, the said rate, and a record in which the said target product is set in the rate pattern master 106a. Further, when a campaign rate of a credit card commission rate and a target product of the campaign rate are newly registered, the rate pattern registration unit 102a may register a new rate pattern, the said campaign rate, and a record in which the said target product is set in the rate pattern master 106a.

[0035] The registration acquisition unit 102b acquires registration data in which the franchise store to be registered and the handled products in the franchise store to be registered are set. Here, the registration acquisition unit 102b may acquire registration data in which a plurality or a single franchise store to be registered and a plurality or a single handled product in the franchise store to be registered are set.

[0036] The association unit 102c registers a record in which the franchise store to be registered and the rate pattern are associated and set in the franchise store rate pattern association master 106c. Here, the association unit 102c may register a record in which the franchise store to be registered and the rate pattern are associated and set in the franchise store rate pattern association master 106c based on the rate pattern master 106a, the franchise store master 106b, and the registration data. Further, the association unit 102c associates the record of the franchise store master 106b in which the franchise store to be registered is set as a franchise store with the record of the rate pattern master 106a in which the handled product in the franchise store to be registered is set as a target product, and registers in the franchise store rate pattern association master 106c a record in which the franchise store to be registered set in the record of the franchise store master 106b and the rate pattern set in the record of the rate pattern master 106a are associated and set. Further, the association unit 102c may register in the franchise store rate pattern association master 106c a record in which a plurality or a single franchise store to be registered and a plurality or a single rate pattern are associated and set based on the rate pattern master 106a, the franchise store master 106b, and the registration data.

[0037] The reception acquisition unit 102d acquires reception data in which the purchasing franchise store and the purchased products are set. Here, the number of payment times may be set in the reception data.

[0038] The rate pattern determination unit 102e may determine the rate pattern of the purchased products at the purchasing affiliated store. Here, the rate pattern determination unit 102e may determine the rate pattern of the purchased products at the purchasing affiliated store based on the affiliated store rate pattern association master 106c, the rate pattern master 106a, and the received data. Further, the rate pattern determination unit 102e identifies the candidates of the rate patterns set in the affiliated store rate pattern association master 106c associated with the purchasing affiliated store set in the received data, and among these candidates, identifies the candidates set in the rate pattern master 106a associated with the purchased products set in the received data, thereby determining the candidates set in the rate pattern master 106a as the rate pattern of the purchased products at the purchasing affiliated store. Further, when the rate pattern determination unit 102e identifies the candidates of the rate patterns set in the affiliated store rate pattern association master 106c associated with the purchasing affiliated store set in the received data, and among these candidates, identifies the candidates set in the rate pattern master 106a associated with the purchased products set in the received data, if there are multiple candidates, the rate pattern determination unit 102e may determine the candidate set in the rate pattern master 106a with a lower rate at the number of payment times set in the received data as the rate pattern of the purchased products at the purchasing affiliated store.

[0039] The rate pattern display unit 102f displays the rate pattern. Here, the rate pattern display unit 102f may display the rate pattern of the purchased products at the purchasing affiliated store.

[0040] [3. Specific Example] A specific example of this embodiment will be described with reference to FIGS. 3 to 6.

[0041] [Rate Pattern Automatic Determination Process] Here, with reference to FIG. 3, an example of the rate pattern automatic determination process in this embodiment will be described. FIG. 3 is a flowchart showing an example of the process of the rate pattern automatic determination device 100 in this embodiment.

[0042] As shown in FIG. 3, when the purchase franchise identifier, purchase product identifier, purchase amount, and number of payments are input on the credit acceptance screen by the user via the input device 112, the acceptance acquisition unit 102d acquires acceptance data in which the purchase franchise, purchase product, and number of payments are set (step SA-1).

[0043] Then, the rate pattern determination unit 102e extracts (identifies) candidates for the rate pattern set in the franchise rate pattern association master 106c associated with the purchase franchise set in the acceptance data (step SA-2).

[0044] Then, the rate pattern determination unit 102e extracts (identifies) candidates set in the rate pattern master 106a associated with the purchase product set in the acceptance data from among the extracted candidates (step SA-3).

[0045] If there is one extracted candidate, the rate pattern determination unit 102e determines the candidate set in the rate pattern master 106a as the rate pattern of the purchase product at the purchase franchise. If there are multiple extracted candidates, the rate pattern determination unit 102e determines the candidate set in the rate pattern master 106a with the lowest rate at the number of payments set in the acceptance data as the rate pattern of the purchase product at the purchase franchise (step SA-4).

[0046] Then, the rate pattern display unit 102f displays the rate pattern of the purchase product at the purchase franchise on the credit acceptance screen (step SA-5), and ends the process.

[0047] Here, with reference to FIG. 4, an example of the rate pattern automatic determination process in the present embodiment will be described. FIG. 4 is a diagram showing an example of the rate pattern automatic determination process in the present embodiment.

[0048] As shown in FIG. 4, in this embodiment, (1) when the franchise store CD: A0001 is input on the credit reception screen, the franchise store is identified, and based on the franchise store, the rate patterns 1, 2, and 1 campaign of the rate pattern associated master 106c set for the franchise store are extracted as candidates for the rate pattern. Then, as shown in FIG. 4, in this embodiment, (2) when the purchased product CD: 9995 is input on the credit reception screen, the purchased product is identified, and based on the purchased product, from among the extracted candidates, the rate pattern 1 and the rate pattern 1 campaign set in the rate pattern master 106a are extracted as candidates for the rate pattern. Then, as shown in FIG. 4, in this embodiment, (3) when the number of payments: 12 is input on the credit reception screen, from among the extracted candidates, the rate pattern 1 campaign with a lower rate at the time of 12 installments is determined as the rate pattern of the purchased product in the purchasing franchise store, and (4) the rate pattern is automatically displayed in the rate pattern column on the credit reception screen. Note that in this embodiment, when there are multiple candidates even after narrowing down by the number of payments, the rate pattern may not be automatically displayed.

[0049] Also, with reference to FIG. 5, an example of the rate registration process in this embodiment will be described. FIG. 5 is a diagram showing an example of the rate registration process in this embodiment.

[0050] As shown in FIG. 5, in the present embodiment, at the time of new registration, necessary rates and target products for rate application are registered in the rate pattern master 106a as rate pattern 1, rate pattern 2, and rate pattern 3. Then, as shown in FIG. 5, in the present embodiment, filtering is performed using the store code and handling product identifier selected on the rate pattern store association registration screen, and batch association registration of the rate pattern and the corresponding store is performed. As a result, as shown in FIG. 5, in the present embodiment, rates for each store are set in the store rate pattern association master 106c. Note that in the present embodiment, the rates themselves are held only in the rate pattern master 106a. Here, as shown in FIG. 5, in the present embodiment, the selection on the rate pattern store association registration screen of the store code and / or handling product identifier may be range-specified so that a plurality of stores and / or handling products included within the range may be selected.

[0051] Also, with reference to FIG. 6, an example of the campaign rate registration process in the present embodiment will be described. FIG. 6 is a diagram showing an example of the campaign rate registration process in the present embodiment.

[0052] As shown in FIG. 6, in the present embodiment, at the time of campaign registration, necessary rates and target products for rate application are registered in the rate pattern master 106a as rate pattern 1 campaign. Then, as shown in FIG. 6, in the present embodiment, filtering is performed using the store code and handling product identifier of the necessary stores selected on the rate pattern store association registration screen, and batch association registration of the rate pattern and the corresponding store is performed. As a result, as shown in FIG. 6, in the present embodiment, rates for each store are set in the store rate pattern association master 106c. Thereby, in the present embodiment, campaign rates are registered in the rate pattern master 106a, eliminating the need to register rate patterns for the number of stores.

[0053] [4. 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.

[0054] 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.

[0055] 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.

[0056] Regarding the rate pattern automatic determination device 100, each illustrated component is a functional concept and does not necessarily need to be physically configured as shown.

[0057] For example, regarding the processing functions provided by the rate pattern automatic determination 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 rate pattern automatic determination device 100 as needed. That is, in a storage unit such as a ROM or HDD (Hard Disk Drive), a computer program for giving instructions to the CPU in cooperation with the OS to perform 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.

[0058] Further, this computer program may be stored in an application program server connected to the rate pattern automatic determination device 100 via an arbitrary network, and it is also possible to download all or part of it as needed.

[0059] Also, the program for executing the processing described in this embodiment may be stored in a non-temporary 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.

[0060] 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, etc. Note that the "program" is not necessarily limited to being configured singularly, and includes those that are distributed as a plurality of modules or libraries, or those that achieve their functions in cooperation with another program represented by an OS. Note that for 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.

[0061] 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.

[0062] Also, the rate pattern automatic determination 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 rate pattern automatic determination device 100 may be realized by installing software (including programs or data, etc.) for realizing the processes described in this embodiment in the device.

[0063] Furthermore, the specific forms of the distribution and integration of the devices are not limited to those 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.

Industrial Applicability

[0064] The present invention is useful in the financial industry including non-banks.

Explanation of Signs

[0065] 100 Rate pattern automatic determination device 102 Control unit 102a Rate pattern registration unit 102b Registration acquisition unit 102c Association unit 102d Reception acquisition unit 102e Rate pattern determination unit 102f Rate pattern display unit 104 Communication interface unit 106 Memory unit 106a Rate pattern master 106b Franchisee Master 106c Franchise Fee Rate Pattern Association Master 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 Server 300 Network

Claims

1. A rate pattern automatic determination device comprising a memory unit and a control unit, wherein the memory unit stores a franchise rate pattern association memory means that stores a franchise rate pattern association master that associates and sets franchise stores for credit purchase referrals and rate patterns of the fees for the credit purchase referrals; a rate pattern storage means that stores a rate pattern master that associates and sets the rate pattern, the rate of the fee, and the target product of the fee; and the control unit has a reception acquisition means for acquiring reception data in which the number of payments, the purchasing franchise store, and the purchased product are set; a rate pattern determination means for determining a rate pattern of the purchased product in the purchasing franchise store based on the franchise rate pattern association master, the rate pattern master, and the reception data; and is characterized by the above-mentioned rate pattern automatic determination device.

2. The reception acquisition means acquires the reception data in which the number of payments, the purchasing franchise store, and the purchased product are set when the number of payments, the purchasing franchise store, and the purchased product are set on the reception screen, as described in claim 1.

3. The rate pattern determination means identifies candidates for the rate pattern set in the franchise rate pattern association master associated with the purchasing franchise store set in the reception data, and from among these candidates, identifies the candidates set in the rate pattern master associated with the purchased product set in the reception data, thereby determining the candidates set in the rate pattern master as the rate pattern of the purchased product in the purchasing franchise store, as described in claim 1.

4. The rate pattern determination means identifies candidates for the rate pattern set in the franchise rate pattern association master associated with the purchasing franchise store set in the reception data, and when identifying the candidates set in the rate pattern master associated with the purchased product set in the reception data, if there are multiple candidates, determines the candidate set in the rate pattern master with the lower rate at the number of payments set in the reception data as the rate pattern of the purchased product in the purchasing franchise store, as described in claim 3.

5. The control unit Rate pattern display means for displaying the rate pattern of purchased goods in the purchasing franchise store The rate pattern automatic determination device according to any one of claims 1 to 4, further comprising the above

6. The storage unit Store storage means for storing a store master in which the franchise store for the credit purchase referral is set Further comprising The control unit Registration acquisition means for acquiring registration data in which a registration target franchise store and handling goods in the registration target franchise store are set Association means for registering a record in which the registration target franchise store and the rate pattern are associated and set in the franchise store rate pattern association master based on the rate pattern master, the franchise store master, and the registration data The rate pattern automatic determination device according to any one of claims 1 to 4, further comprising the above

7. The association means The record of the store master in which the registration target franchise store is set as the franchise store is associated with the record of the rate pattern master in which the handling goods in the registration target franchise store are set as the target goods, and the registration target franchise store set in the record of the store master and the rate pattern set in the record of the rate pattern master are associated and set. The rate pattern automatic determination device according to claim 6, wherein the record is registered in the franchise store rate pattern association master

8. The registration acquisition means Acquire the registration data in which a plurality or a single registration target franchise store and a plurality or a single handling goods in the registration target franchise store are set The association means Based on the rate pattern master, the franchise store master, and the registration data, a record in which a plurality or a single registration target franchise store and a plurality or a single rate pattern are associated and set is registered in the franchise store rate pattern association master. The rate pattern automatic determination device according to claim 6

9. The control unit Rate pattern registration means for registering a record in which a new rate pattern, the rate, and the target goods are set in the rate pattern master when the rate of the commission for the credit purchase referral and the target goods of the rate are newly registered The rate pattern automatic determination device according to any one of claims 1 to 4, further comprising the above

10. The rate pattern registration means The rate pattern automatic determination device according to claim 9, wherein when a campaign rate of the commission for the credit purchase referral and a new rate pattern, the campaign rate, and a record setting the target product of the campaign rate are newly registered, the record is registered in the rate pattern master.

11. A rate pattern automatic determination method for causing a rate pattern automatic determination device including a storage unit and a control unit to execute, The storage unit A franchise rate pattern association storage means for storing a franchise rate pattern association master in which a franchise of a credit purchase referral and a rate pattern of the commission for the credit purchase referral are associated and set; A rate pattern storage means for storing a rate pattern master in which the rate pattern, the rate of the commission, and the target product of the rate are associated and set; Comprising Executed by the control unit A reception acquisition step of acquiring reception data in which the number of payment times, the purchasing franchise, and the purchased product are set; A rate pattern determination step of determining a rate pattern of the purchased product in the purchasing franchise based on the franchise rate pattern association master, the rate pattern master, and the reception data; A rate pattern automatic determination method characterized by including

12. A rate pattern automatic determination program for causing a rate pattern automatic determination device including a storage unit and a control unit to execute, The storage unit A franchise rate pattern association storage means for storing a franchise rate pattern association master in which a franchise of a credit purchase referral and a rate pattern of the commission for the credit purchase referral are associated and set; A rate pattern storage means for storing a rate pattern master in which the rate pattern, the rate of the commission, and the target product of the rate are associated and set; Comprising In the control unit A reception acquisition step of acquiring reception data in which the number of payment times, the purchasing franchise, and the purchased product are set; A rate pattern determination step of determining a rate pattern of the purchased product in the purchasing franchise based on the franchise rate pattern association master, the rate pattern master, and the reception data; A rate pattern automatic determination program for causing the above to be executed.

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