Business support device, business support method, and business support program

Abstract

This reduces the burden on staff involved in creating loan product contract information (contract data and contract fees). [Solution] When registering each customer's contract data and contract fee data, the system refers to the fee conditions master table based on the repayment method code, which is a unique code assigned to each loan product entered in the contract data. The system detects the fee code, fee burden category, and fee effective annual interest rate calculation category that correspond to the repayment method code entered in the contract data, among the fee code indicating the fee attached to the loan product, the fee burden category indicating whether the fee is borne by the lender or the borrower, and the fee effective annual interest rate calculation category indicating whether or not the fee is included in the calculation of the effective annual interest rate. Contract fee data including these is then generated for each customer.

Description

Technical Field

[0001] The present invention relates to a business support device, a business support method, and a business support program.

Background Art

[0002] In the loan application system disclosed in Patent Document 1 (Japanese Patent Application Laid-Open No. 2024-112154), a vehicle portion calculation unit calculates the payment amount for each payment frequency of the vehicle and the total vehicle portion payment amount based on the remaining loan amount of the vehicle portion and the division fee for the remaining loan amount of the vehicle portion. The miscellaneous expenses calculation unit calculates the payment amount for each payment frequency of the miscellaneous expenses and the total miscellaneous expenses payment amount based on the remaining loan amount of the miscellaneous expenses and the division fee for the remaining loan amount of the miscellaneous expenses.

[0003] Then, an integration calculation unit calculates the integrated payment amount for each payment frequency by adding together the payment amount for each payment frequency of the vehicle and the payment amount for each payment frequency of the miscellaneous expenses according to the payment frequency of the vehicle and the payment frequency of the miscellaneous expenses, and also calculates the integrated total payment amount by adding together the total vehicle portion payment amount and the total miscellaneous expenses payment amount. Thereby, when applying for a loan for vehicle purchase expenses and miscellaneous expenses associated with vehicle purchase, early repayment is made possible.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Here, the work of creating contract information by inputting information related to various fees generated at the time of financing needs to be performed for each loan product, which has been a burden on the person in charge.

[0006] This invention has been made in view of the above-mentioned problems, and aims to provide a business support device, a business support method, and a business support program that automatically input information related to various fees incurred at the time of loan and support the creation of contract information. [Means for solving the problem]

[0007] The business support device according to the present invention is a business support device that assists in the calculation of fees for loan products in which loan funds are provided to customers and repayment amounts are collected for each installment period in which the repayment period is divided into multiple installments. In order to solve the above problems and achieve the objective, when registering each customer's contract data and contract fee data, the device refers to the fee conditions master table based on the repayment method code, which is a unique code assigned to each loan product entered in the contract data, and the fee code, which indicates the fee to be added to the loan product and is associated with the repayment method code of each loan product set in the fee conditions master table, for the loan product The system includes a detection unit that detects a fee code, a fee burden category, and a fee effective annual interest rate calculation category corresponding to the repayment method code entered in the contract data, among a fee burden category for setting up a lender burden indicating that the lender who provided the loan to the customer bears the fee, or a borrower burden indicating that the customer, the borrower, bears the fee for the loan product, and a fee effective annual interest rate calculation category for setting whether or not to include the fee in the calculation of the effective annual interest rate; and a data generation unit that generates customer-specific contract fee data including the detected fee code, fee burden category, fee effective annual interest rate calculation category, customer number, and fee.

[0008] Furthermore, the business support method according to the present invention is a business support method executed by a business support device that supports the calculation of fees for loan products that provide loans to customers and collect repayment amounts for each installment period, which is divided into multiple repayment periods, and in order to solve the above problems and achieve the objective, the detection unit, when registering each customer's contract data and contract fee data, refers to the fee conditions master table based on the repayment method code, which is a unique code assigned to each loan product entered in the contract data, and the fee code, which indicates the fee to be added to the loan product and is associated with the repayment method code of each loan product set in the fee conditions master table, and loan commercial The system includes a detection step that detects a fee code, fee burden category, and fee effective annual interest rate calculation category corresponding to the repayment method code entered in the contract data, among fee burden categories for setting up either lender burden, which indicates that the lender who provided the loan to the customer bears the fees for the product, or borrower burden, which indicates that the customer (borrower) bears the fees for the loan product, and fee effective annual interest rate calculation categories for setting whether or not to include fees in the calculation of the effective annual interest rate; and a data generation step in which a data generation unit generates customer-specific contract fee data including the detected fee code, fee burden category, fee effective annual interest rate calculation category, customer number, and fees.

[0009] Furthermore, the business support program according to the present invention is a business support program that enables the operation of a computer in a business support device that assists in the calculation of fees for loan products that provide loans to customers and collect repayment amounts for each installment period divided into multiple repayment periods. In order to solve the above problems and achieve the objective, the computer, when registering each customer's contract data and contract fee data, refers to a fee conditions master table based on the repayment method code, which is a unique code assigned to each loan product entered in the contract data, and calculates the fees attached to the loan product that are associated with the repayment method code of each loan product set in the fee conditions master table. The system functions as a detection unit that detects the fee code, fee burden category, and fee effective annual interest rate calculation category corresponding to the repayment method code entered in the contract data, among the fee code indicating the fee, the fee burden category indicating that the lender who provided the loan to the customer bears the fee for the loan product, or the fee burden category indicating that the borrower, who is the customer, bears the fee for the loan product, and the fee effective annual interest rate calculation category indicating whether or not to include the fee in the calculation of the effective annual interest rate. It also functions as a data generation unit that generates customer-specific contract fee data including the detected fee code, fee burden category, fee effective annual interest rate calculation category, customer number, and fee. [Effects of the Invention]

[0010] This invention can automatically input information related to various fees incurred during loan disbursement, thereby supporting the creation of contract information. This reduces the burden on staff responsible for creating contract information. [Brief explanation of the drawing]

[0011] [Figure 1] Figure 1 is a block diagram showing the hardware configuration of the business support device according to the embodiment. [Figure 2] Figure 2 shows an example of a master table of fee conditions. [Figure 3] Figure 3 shows an example of a fee code master table. [Figure 4]Figure 4 shows the data structure of the contract data. [Figure 5] Figure 5 shows the data structure of contract fee data. [Figure 6] Figure 6 shows an example of a contract input screen. [Figure 7] Figure 7 shows an example of a contract fee input screen. [Figure 8] Figure 8 shows a contract fee input screen where the fee code, fee burden category, and effective annual fee calculation category are automatically entered, as well as a screen where the fees have been manually entered by a staff member. [Figure 9] Figure 9 shows the contract input screen with the loan amount after deducting fees. [Figure 10] Figure 10 shows the contract input screen where the calculated effective annual interest rate has been entered. [Figure 11] Figure 11 shows an example of contract data generated based on the input on the contract input screen. [Figure 12] Figure 12 shows an example of contract fee data generated based on the input on the contract fee input screen. [Modes for carrying out the invention]

[0012] The following describes in detail, with reference to the drawings, a business support device that is an embodiment to which the present invention is applied. However, the present invention is not limited to the following embodiments.

[0013] (overview) Various fees incurred during the loan process are handled differently depending on the contract, including who bears the cost and whether or not they are included in the calculation of the effective annual interest rate. In general fee management and effective annual interest rate calculation operations, the method of calculating fees and whether or not they should be included in the effective interest rate calculation were checked individually at the time of loan application before the calculation was performed. This was burdensome for the staff in charge and carried the risk of calculating incorrect fees and effective annual interest rates.

[0014] The business support device according to the embodiment automatically selects the fees to be collected, determines whether the borrower or the lender shall bear the fees, and whether to include the fees in the calculation of the effective annual interest rate, and sets the master according to the nature of loan products such as long-term loans, short-term loans, high-value loans or low-value loans (repayment methods to be described later). Based on this set value, contract information (contract data and contract fees) is automatically created, and automatic calculation of each fee and the effective annual interest rate is performed.

[0015] Since the items of fees generated by the repayment method also vary, the fees associated with the contract can be determined for each repayment method. Also, since the management of each fee tends to be determined according to the repayment method, the collection of each fee and the handling in the calculation of the effective annual interest rate can be freely set in the master.

[0016] That is, the business support device according to the embodiment has the following functions.

[0017] 1. Automatic selection of fees to be collected The fees used in the fee condition master are classified and managed in the fee classification master. For each repayment method, parameters are set as to whether the borrower or the lender shall bear each fee and whether it is included in the calculation of the effective annual interest rate. When registering a loan application, the repayment method code related to the product entered on the application registration screen is referred to, and the set value is initially displayed on the screen.

[0018] 2. Collection of each fee When registering a loan application, the repayment method code related to the loan product entered on the application registration screen is referred to, and the set value is initially displayed on the screen. After the parameters are confirmed on the screen, the fee repayment amount is reflected in the repayment schedule to be created based on the values of the parameters.

[0019] 3. Influence setting on the calculation of the effective annual interest rate When registering a loan application, the repayment method code related to the loan product entered on the application registration screen is referred to, and the set value is internally held. After confirming the parameters on the screen, the repayment schedule you create will reflect the effective annual interest rate based on the parameter values.

[0020] (Hardware configuration) As shown in Figure 1, the business support device 1 of this embodiment includes a storage unit 2, a control unit 3, a communication interface unit 4, and an input / output interface unit 5. An input device 6 and an output device 7 are connected to the input / output interface unit 5.

[0021] Output device 7 may include a display unit of a monitor device (including a home television), a printing device, or a speaker device. Input device 6 may include a keyboard device, a mouse device, a microphone device, or a monitor device that works in conjunction with a mouse device to provide a pointing device function.

[0022] The communication interface unit 4 is connected to a network 50, such as a wide-area network like the Internet or a private network like a LAN (Local Area Network). The customer terminal device 51 and the bank terminal device 52 of the bank where the customer's account is opened are connected to this network 50.

[0023] The customer accesses the business support device 1 via the customer terminal device 51 to contract for the desired loan product and borrow money. The customer also accesses the bank terminal device 52 via the customer terminal device 51 to make monthly repayments to the loan company (performs a deposit operation to the loan company).

[0024] For the memory unit 2, a storage device such as ROM (Read Only Memory), RAM (Random Access Memory), HDD (Hard Disk Drive), or SSD (Solid State Drive) can be used. The memory unit 2 stores a business support program that automatically calculates various fees for loan products to reduce the burden on the person in charge.

[0025] Furthermore, this storage unit 2 is equipped with a fee condition master table 11, a fee code master table 12, a contract data storage unit 13, and a contract fee data storage unit 14, which are each storage areas.

[0026] As shown in Figure 2, the fee conditions master table 11 stores the product name, fee code, fee burden category, and effective annual interest rate calculation category associated with each repayment method code assigned based on the characteristics of the loan product.

[0027] The characteristics of a loan product refer to its specific features, such as whether it is a long-term loan, short-term loan, high-amount loan, or low-amount loan. Each loan product is assigned a unique repayment method code based on these characteristics. In the example shown in Figure 2, the credit card loan product is assigned the repayment method code "HC-1," while the long-term housing loan product is assigned the repayment method code "HC-2."

[0028] The fee code is a unique code assigned to each fee. Further details will be provided later using Figure 3.

[0029] The fee burden classification indicates whether the fee is borne by the lender or by the borrower (customer). Figure 2 shows an example where the fee burden classification "1: Lender burden" is set for the repayment method code "HC-1", and the fee burden classification "2: Borrower burden" is set for the repayment method code "HC-2".

[0030] The fee-based effective annual interest rate calculation category indicates whether or not fees are included in the calculation of the effective annual interest rate. If fees are not included in the calculation, the fee-based effective annual interest rate calculation category "0: Do not include" is set. If fees are included in the calculation of the cumulative balance after deductions (described later), and if fees are used as deemed interest (described later), the fee-based effective annual interest rate calculation category "1: Include (deduction / deemed)" is set.

[0031] Furthermore, if the fee is not included in the calculation of the cumulative balance after deductions described later, and the fee is used as deemed interest as described later, the "2: Include (deemed interest)" fee effective annual rate calculation category will be set. Also, if the fee is included in the calculation of the cumulative balance after deductions described later, but the fee is not used as deemed interest as described later, the "3: Include (deduction)" fee effective annual rate calculation category will be set.

[0032] The fee code master table 12 stores the fee name and fee code associated with the fees to be collected. The example in Figure 3 shows a case where the fee code for electronic contract fees is "TC-1" and the fee code for fire insurance premiums is "TC-2".

[0033] As shown in Figure 4, the contract data storage unit 13 stores contract data including customer number, branch number, repayment method code, loan amount, total repayment amount, total interest, loan amount after deducting fees, and effective annual interest rate.

[0034] The customer number is a unique number automatically assigned by the data generation unit 22 to each customer who has contracted for a loan product. The repayment method code is set by the person in charge based on the fee conditions master table 11 shown in Figure 2, and corresponds to the characteristics of the loan product contracted by the customer.

[0035] The loan amount, total repayment amount, and total interest are entered by the person in charge.

[0036] The loan amount after deducting fees is the loan amount after the fees borne by the borrower have been deducted.

[0037] The effective annual interest rate is calculated based on the total interest, deemed interest, and cumulative balance after deductions, as described below. Further details will be provided later.

[0038] The contract fee data storage unit 14 stores contract fee data, including customer number, sub-number, fee code, fee burden category, and fees.

[0039] A common customer number is consistently used in both the contract data and the contract fee data mentioned above. Therefore, each customer's contract data and contract fee data are interconnected through this customer number.

[0040] The fee code, fee burden category, and effective annual fee rate calculation category are automatically set from the fee conditions master table 11 shown in Figure 2 by referencing the contract data storage unit 13 shown in Figure 4 based on the customer number. Further details will be described later. The fee code may also be set by the person in charge based on the fee code master table 12 shown in Figure 3.

[0041] Furthermore, the fees entered into this contract fee data are entered by the person in charge.

[0042] (Functional configuration of business support equipment) Next, the control unit 3 executes the business support program stored in the memory unit 2, and functions as a detection unit 21, data generation unit 22, calculation unit 23, and display control unit 24, as shown in Figure 1.

[0043] In this example, the detection unit 21 to the display control unit 24 are described as being implemented in software based on a business support program, but all or part of the detection unit 21 to the display control unit 24 may be implemented in hardware. In either case, the same effects as described later can be obtained.

[0044] When registering each customer's contract data and contract fee data, the detection unit 21 refers to the fee conditions master table 11 based on the repayment method code, which is a unique code assigned to each loan product entered in the contract data (see Figure 2). The detection unit 21 also detects the fee code, fee burden category, and fee effective annual rate calculation category that correspond to the repayment method code entered in the contract data, from among the fee codes set in the fee conditions master table 11, which are associated with the repayment method code of each loan product and indicate the fees attached to the loan product (see Figure 3), the fee burden category for setting whether the lender who provided the loan to the customer bears the fees for the loan product or the borrower who bears the fees for the loan product, and the fee effective annual rate calculation category for setting whether or not to include fees in the calculation of the effective annual rate.

[0045] The data generation unit 22 generates contract fee data for each customer, including the detected fee code, fee burden category, effective annual fee calculation category, customer number, and fee (see Figure 12).

[0046] Furthermore, the data generation unit 22 generates contract data including the repayment method code, loan amount, and loan amount after deducting fees, which are set in association with each customer's customer number (see Figure 11).

[0047] The detection unit 21 detects the fee effective annual rate calculation category included in each customer's contract fee data, and also detects the loan amount from the contract data for customers for whom a fee effective annual rate calculation category indicating that the fee is included in the effective annual rate has been detected.

[0048] The calculation unit 23 calculates the loan amount after deducting the fee (4.99 million yen) by subtracting the desired fee amount entered for the contract fee data (10,000 yen in Figure 8) from the loan amount (5 million yen) detected by the detection unit 21 (see Figure 9). The data generation unit 22 generates contract data including the calculated loan amount after deducting the fee (see Figure 11).

[0049] Furthermore, the calculation unit 23 uses the total amount of interest payments scheduled to be repaid as the total interest, and the total amount of fees as deemed interest, and calculates the cumulative balance after deductions using the calculation "(principal balance (loan amount - total fees - cumulative principal repayment) × number of days) ÷ number of days in a year". The calculation unit 23 also calculates the customer's effective annual interest rate using the calculation "(total interest + deemed interest) ÷ cumulative balance after deductions".

[0050] The data generation unit 22 generates contract data for each customer, including the calculated effective annual interest rate (see Figure 10).

[0051] Furthermore, if the fee effective annual rate calculation category included in the customer's contract fee data is a fee effective annual rate calculation category that indicates that fees are not included in the effective annual rate, the calculation unit 23 calculates the cumulative number of balances after deductions using the calculation "(principal balance (loan amount - cumulative principal repayment) × number of days) ÷ number of days in a year" without using fees in each calculation, and calculates the customer's effective annual rate using the calculation "total interest ÷ cumulative number of balances after deductions".

[0052] Furthermore, if the fee calculation category included in the customer's contract fee data is a fee calculation category that uses the total fee as deemed interest and does not use the total fee in calculating the cumulative balance after deduction, the calculation unit 23 uses the total fee as deemed interest and calculates the cumulative balance after deduction, which is the cumulative principal balance calculated by the calculation "((Loan amount - Cumulative principal repayment) × number of days) ÷ number of days in a year", and also calculates the customer's effective annual rate by the calculation "(Total interest + Deemed interest) ÷ Cumulative balance after deduction".

[0053] Furthermore, if the fee calculation category included in the customer's contract fee data is a fee calculation category that indicates that the total fee is not used as deemed interest, but the total fee is used in calculating the cumulative number of balances after deductions, the calculation unit 23 calculates the cumulative number of balances after deductions using the calculation "(principal balance (loan amount - total fee - cumulative principal repayment) × number of days) ÷ number of days in a year," and also calculates the customer's effective annual rate using the calculation "total interest ÷ cumulative number of balances after deductions."

[0054] (Automatic generation of contract information) In this embodiment of the business support device 1, first, the person in charge specifies the display of the contract input screen via the input device 6. In response to this specification, the display control unit 24 displays the contract input screen exemplified in Figure 6 via the output device 7.

[0055] The person in charge sets the repayment method code corresponding to the product features of the loan product contracted by the customer on this contract input screen. In the example in Figure 6, the repayment method code "HC-1" is set for customer number "K-1", and the repayment method code "HC-2" is set for customer number "K-2". The customer number and branch number are automatically assigned and set by the control unit 3 via the data generation unit 22, but the person in charge may also enter them manually.

[0056] Furthermore, the person in charge will enter the loan amount, interest rate, total interest, repayment start date, and repayment end date into this contract input screen.

[0057] Next, the person in charge operates the display button for the contract fee input screen located on the contract input screen. When this display button is operated, the display control unit 24 displays the contract fee input screen, as illustrated in Figure 7, via the output device 7. At this time, the display control unit 24 automatically inputs the customer number and sub-number entered on the contract input screen into the contract fee input screen and displays it.

[0058] Furthermore, the display control unit 24 refers to the input content on the contract input screen based on the customer number automatically entered on the contract fee input screen (= the customer number entered on the contract input screen) and detects the repayment method code associated with each customer number. Then, based on the detected repayment method code, the display control unit 24 refers to the fee condition master table 11 shown in Figure 2 and detects the fee code, fee burden category, and effective annual fee calculation category associated with each repayment method code, and automatically enters and displays them on the contract fee input screen as shown in Figure 7.

[0059] The example in Figure 7 shows that for a customer with the customer code "K-1," the repayment method code "HC-1" is set. Therefore, the fee code "TC-1," the fee burden category "1: Lender's responsibility," and the fee effective annual interest rate calculation category "0: Not included" are read from the fee conditions master table 11 shown in Figure 2, and are automatically entered and displayed on the contract fee input screen.

[0060] Furthermore, the example in Figure 7 shows that for a customer with the customer code "K-2," the repayment method code "HC-2" is assigned. Therefore, the fee code "TC-2," the fee burden category "2: Borrower's responsibility," and the fee effective annual interest rate calculation category "3: Include (deduction)" are read from the fee conditions master table 11 shown in Figure 2, and are automatically entered and displayed on the contract fee input screen.

[0061] In this example, by operating the display button for the contract fee input screen provided on the contract input screen, the customer number, branch number, fee code, fee burden category, and effective annual fee calculation category on the contract fee input screen are automatically entered.

[0062] However, a separate contract fee input screen may be displayed in addition to the contract input screen. When an employee manually enters a customer number on this contract fee input screen, the repayment method code corresponding to this entered customer number is detected based on the information entered on the contract input screen. Based on the detected repayment method code, the fee code, fee burden category, and effective annual fee calculation category are detected by referring to the fee condition master table 11 shown in Figure 2, and these are displayed on the contract fee input screen shown in Figure 7.

[0063] Next, as shown in Figure 8, the person in charge manually enters the desired fee in the fee input field for records where the fee burden category is "2: Borrower's responsibility" on the contract fee input screen, where the fee code, fee burden category, and effective annual fee calculation category are automatically entered. In the example in Figure 8, the fee burden category for the record with customer number "K-2" is "2: Borrower's responsibility," so "10,000 yen" is manually entered as the fee.

[0064] When a fee is entered in this way, the calculation unit 23 refers to the input content on the contract input screen and detects the loan amount for customer number "K-2" in which the fee was entered. Then, the calculation unit 23 calculates the loan amount after deducting the fee by subtracting the entered fee from the detected loan amount. In this example, a fee of "10,000 yen" is entered, and the loan amount for customer number "K-2" is "5,000,000 yen". Therefore, the calculation unit 23 calculates the loan amount after deducting the fee of "4,990,000 yen" by performing the calculation "loan amount of 5,000,000 yen - fee of 10,000 yen".

[0065] The display control unit 24 automatically displays the calculated loan amount after deducting fees in the input field for the loan amount after deducting fees in the record for customer number "K-2" on the contract input screen, as shown in Figure 9.

[0066] Next, the calculation unit 23 performs the following calculations based on the fee calculation category and the entered fee assigned to each customer record to calculate the effective annual rate.

[0067] 1. When the fee calculation category is "0: Do not include" In this case, the calculation unit 23 does not use each fee in its calculation, but calculates the effective annual interest rate using the following formula.

[0068] Cumulative balance after deductions (principal balance): "((Loan amount - Cumulative principal repayment) × number of days)) ÷ number of days in a year" Total Interest: The sum of the interest payments from the repayment schedule data. Effective annual interest rate = Total interest ÷ Cumulative balance after deductions Note that the effective annual interest rate is rounded up to the sixth decimal place. Also, the number of days in a year is 365 in a normal year and 366 in a leap year.

[0069] 2. When the fee calculation category is "1: Include (deduction / deemed)" In this case, the calculation unit 23 uses the total fees as deemed interest, and also uses the total fees in the calculation of the cumulative balance after deductions (principal balance).

[0070] Cumulative balance after deductions (principal balance): "((Loan amount - Total fees - Cumulative principal repayment) × Number of days)) ÷ Number of days in a year" Deemed interest: Total fees Total Interest: The sum of the interest payments from the repayment schedule data. Effective annual interest rate = (Total interest + Deemed interest) ÷ Cumulative balance after deductions

[0071] 3. When the fee calculation category is "1: Include (deemed interest)" In this case, the calculation unit 23 uses the total fees as deemed interest, but does not use the total fees in calculating the cumulative balance after deductions (principal balance).

[0072] Cumulative balance after deductions (principal balance): "((Loan amount - Cumulative principal repayment) × number of days)) ÷ number of days in a year" Deemed interest: Total fees Total Interest: The sum of the interest payments from the repayment schedule data. Effective annual interest rate = (Total interest + Deemed interest) ÷ Cumulative balance after deductions

[0073] 4. When the fee calculation category is "1: Include (deduction)" In this case, the calculation unit 23 does not use the deemed interest, which is the total of the fees, but uses the total of the fees to calculate the cumulative balance after deductions (principal balance).

[0074] Cumulative balance after deductions (principal balance): "((Loan amount - Total fees - Cumulative principal repayment) × Number of days)) ÷ Number of days in a year" Total Interest: The sum of the interest payments from the repayment schedule data. Effective annual interest rate = Total interest ÷ Cumulative balance after deductions

[0075] Once the effective annual interest rates for customer number "K-1" and customer number "K-2" are calculated, the display control unit 24 displays the calculated effective annual interest rates on the contract input screen, as shown in Figure 10. In the example in Figure 10, "1%" is calculated and displayed as the effective annual interest rate for customer number "K-1," and "1.13%" is calculated and displayed as the effective annual interest rate for customer number "K-2."

[0076] As described above, once the input content is automatically or manually entered into the contract input screen and the contract fee input screen, and the execution button provided on the contract input screen or the contract fee input screen is operated, the data generation unit 22 generates the contract data shown in Figure 11 based on the input content of the contract input screen and stores it in the contract data storage unit 13.

[0077] Figure 11 shows an example where a loan of 5 million yen was granted to customer number "K-1" and customer number "K-2" at an effective annual interest rate of 1% and 1.13%, respectively. Furthermore, Figure 11 shows an example where a fee of 10,000 yen was entered by the staff member, resulting in a loan amount of 4.99 million yen for customer number "K-2" after the fee deduction.

[0078] Furthermore, when the execute button is pressed, the data generation unit 22 generates the contract fee data shown in Figure 12 based on the input content on the contract fee input screen and stores it in the contract fee data storage unit 14.

[0079] The example in Figure 12 shows the contract fee data for customers with customer numbers "K-1" and "K-2," each of which has a fee code, fee burden category, and effective annual fee calculation category that are automatically entered based on the fee conditions master table 11. Of these, the contract fee data for customers with customer numbers "K-2" includes a fee of "10,000 yen" that was manually entered by the person in charge, because the effective annual fee calculation category is "3: Include (deduction)."

[0080] (Effects of the embodiment) As is clear from the above description, the business support device 1 of the embodiment pre-sets the fees to be collected (fee code), information indicating whether the borrower or lender bears the fee (fee burden category), and information indicating whether or not the fee is included in the calculation of the effective annual interest rate (effective annual interest rate calculation category) in the fee conditions master table 11 for each repayment method. Then, when generating contract information (contract data and contract fee data), it reads from the fee conditions master table 11 and sets it in the contract information. This significantly reduces the burden on the person in charge of creating contract information (contract data and contract fees).

[0081] Furthermore, the items of fees incurred will vary depending on the repayment method, but in the case of the business support device 1 of this embodiment, the fees related to the contract can be freely determined for each repayment method, so it can flexibly respond to changes in the items of fees.

[0082] Furthermore, the business support device 1 of this embodiment only requires setting the collection of each fee and the handling of the effective annual interest rate calculation in the fee condition master table 11 for each repayment method, making it possible to easily manage fees for each loan product.

[0083] [Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This invention can contribute to improving operational efficiency and promoting appropriate management decisions by companies, and therefore can contribute to SDGs Goals 8 and 9.

[0084] Furthermore, this invention can contribute to reducing waste loss and promoting paperless and electronic processes, thereby contributing to SDGs Goals 12, 13, and 15.

[0085] Furthermore, this invention can contribute to strengthening control and governance, and therefore can contribute to achieving the 16 goals of the SDGs.

[0086] [Other embodiments] The present invention can be implemented in various different forms within the scope of the technical idea described in the claims, even in embodiments other than those described above.

[0087] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically may be performed manually. Alternatively, all or part of the processes described as being performed manually may be performed automatically by known methods or the like.

[0088] Furthermore, unless otherwise specified, the processing procedures, control procedures, specific names, registration data for each process, information including parameters such as search conditions, screen examples, and database configuration shown in the specification or drawings can be arbitrarily changed.

[0089] Furthermore, with respect to the business support device 1, each component shown in the diagram is a functional concept and does not necessarily have to have the physical configuration shown. For example, the processing functions of the business support device 1, particularly the processing functions performed by the control unit 3, may be implemented in whole or in any part by a program interpreted and executed by the control unit 3 (CPU: Central Processing Unit), or by hardware using wired logic.

[0090] The program is recorded on a non-temporary, computer-readable recording medium containing programmed instructions for the information processing device to execute the processes described in the embodiment, and is mechanically read by the business support device 1 as needed. In other words, the storage unit 2, such as ROM or HDD, records a computer program that works in cooperation with the OS (Operating System) to give instructions to the control unit 3 (CPU) and perform various processes. This computer program is loaded into RAM, unpacked, and executed by the control unit 3 as appropriate.

[0091] Furthermore, the business support program for this business support device 1 may be stored on another server device connected to the business support device 1 via any network, and all or part of it may be downloaded and executed as needed.

[0092] Furthermore, the business support program for executing the processes described in the embodiment may be stored on a non-temporary computer-readable recording medium, or it may be configured as a program product.

[0093] Here, any "portable physical medium" can be used as the "recording medium," such as memory cards, USB (Universal Serial Bus) memory, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (Registered Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROMs (Compact Disk Read Only Memory), MOs (Magneto-Optical Disks), DVDs (Digital Versatile Disks), and Blu-ray (Registered Trademark) Discs.

[0094] Furthermore, "program" refers to a data processing method written in any language or writing method, regardless of whether it is source code or binary code.

[0095] Furthermore, the term "program" is not necessarily limited to a single, monolithic entity, but also includes those that are distributed as multiple modules or libraries, and those that work in cooperation with other programs, such as an operating system, to achieve their functions.

[0096] Furthermore, for the specific configuration, reading procedure, and post-reading installation procedure for the business support device 1 of the embodiment, well-known configurations or procedures can be used.

[0097] The storage unit 2 is a storage means such as memory devices like RAM and ROM, fixed disk devices like hard disks, flexible disks, and optical disks, and stores various programs, tables, databases, and web page files used for various processing or website provision.

[0098] Furthermore, the business support device 1 may be composed of a known personal computer device or an information processing device such as a workstation, or it may be composed of an information processing device to which any peripheral devices are connected. In addition, the information processing device may be implemented by implementing software (including programs or data, etc.) that realizes the processing described in the embodiment.

[0099] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the figures, and all or part of them can be configured by functionally or physically distributing or integrating them in any unit according to various additions or functional loads. In other words, the embodiments described above can be selectively implemented by arbitrarily combining the embodiments described above. [Industrial applicability]

[0100] This invention is particularly suitable for application to the fee calculation operations of lending companies and the like that which provide loans to customers. [Explanation of Symbols]

[0101] 1 Business support equipment 2 Storage section 3. Control Unit 4. Communication Interface Section 5 Input / Output Interface Section 6 Input devices 7 Output device 11. Commission Conditions Master Table 12. Fee Code Master Table 13 Contract Data Storage Unit 14. Contract fee data storage unit 21 Detection unit 22 Data Generation Unit 23 Calculation Section 24 Display Control Unit 50 Networks 51 Customer terminal device 52 Bank terminal equipment

Claims

1. A business support device that assists in the calculation of fees for loan products in which loan funds are provided to customers and repayment amounts are collected for each installment period, divided into multiple repayment periods, When registering the contract data and contract fee data for each customer, a detection unit detects the fee code, the fee burden category, and the fee effective annual rate calculation category that correspond to the repayment method code entered in the contract data, based on the repayment method code which is a unique code assigned to each loan product entered in the contract data, and sets in the fee conditions master table a fee code that indicates the fee to be added to the loan product, a fee burden category for setting whether the lender who provided the loan to the customer bears the fee for the loan product or the borrower who bears the fee for the loan product, and a fee effective annual rate calculation category for setting whether or not to include the fee in the calculation of the effective annual rate, among the fee code, the fee burden category, and the fee effective annual rate calculation category that correspond to the repayment method code entered in the contract data, which are set in the fee conditions master table and are associated with the repayment method code of each loan product. A data generation unit generates customer-specific contract fee data including the detected fee code, fee burden category, effective annual fee calculation category, customer number, and fee, A business support device having the following features.

2. The data generation unit generates the contract data, including the repayment method code, loan amount, and loan amount after deducting fees, which are set in association with the customer number of each customer. The detection unit detects the fee effective annual rate calculation category included in the contract fee data for each customer, and detects the loan amount from the contract data for the customer for whom the fee effective annual rate calculation category indicating that the fee is included in the effective annual rate has been detected. The system further includes a calculation unit that calculates a loan amount after deducting fees by subtracting the desired amount of fees entered for the contract fee data from the loan amount detected by the detection unit, The data generation unit generates the contract data including the calculated loan amount after deducting the fees. The business support device according to claim 1, characterized by the following:

3. The calculation unit takes the total amount of interest payments due as the total interest, the total amount of fees as deemed interest, calculates the cumulative after-deduction balance using the calculation "(principal balance (loan amount - total fees - cumulative principal repayment) × number of days) ÷ number of days in a year", and calculates the customer's effective annual interest rate using the calculation "(total interest + deemed interest) ÷ cumulative after-deduction balance". The data generation unit generates the contract data, including the calculated effective annual interest rate, for each customer. The business support device according to claim 2, characterized by the following:

4. The calculation unit, if the fee effective annual rate calculation category included in the customer's contract fee data is a fee effective annual rate calculation category that indicates that the fee is not included in the effective annual rate, calculates the cumulative after-deduction balance using the calculation "((Loan amount - Cumulative principal repayment) × Number of days)) ÷ Number of days in a year" without using the fee in each calculation, and calculates the customer's effective annual rate using the calculation "Total interest ÷ Cumulative after-deduction balance". The business support device according to claim 3, characterized by the following:

5. The calculation unit, if the fee effective annual rate calculation category included in the customer's contract fee data is a fee effective annual rate calculation category that uses the total fee as deemed interest and does not use the total fee in calculating the cumulative after-deduction balance, then uses the total fee as deemed interest and calculates the cumulative after-deduction balance, which is the cumulative principal balance calculated by the calculation "((Loan amount - Cumulative principal repayment) × number of days) ÷ number of days in one year", and calculates the customer's effective annual rate by the calculation "(Total interest + Deemed interest) ÷ Cumulative after-deduction balance". The business support device according to claim 4, characterized by the following:

6. The calculation unit, if the fee effective annual rate calculation category included in the customer's contract fee data is a fee effective annual rate calculation category that indicates that the total fee is not used as deemed interest, but the total fee is used in calculating the cumulative number of after-deduction balances, calculates the cumulative number of after-deduction balances by the calculation of "(principal balance (loan amount - total fee - cumulative principal repayment) × number of days) ÷ number of days in one year", and calculates the customer's effective annual rate by the calculation of "total interest ÷ cumulative number of after-deduction balances". The business support device according to claim 5, characterized by the following:

7. A business support method executed by a business support device that assists in the calculation of fees for a loan product in which loan funds are provided to customers and repayment amounts are collected for each installment period, divided into multiple repayment periods, A detection step in which the detection unit, when registering the contract data and contract fee data for each customer, refers to the fee conditions master table based on the repayment method code, which is a unique code assigned to each loan product entered in the contract data, and detects the fee code, the fee burden category, and the fee effective annual rate calculation category that correspond to the repayment method code entered in the contract data, from among the fee conditions master table set up, which are associated with the repayment method code of each loan product and indicate the fees added to the loan product, the fee burden category for setting up either the lender burden indicating that the lender who provided the loan to the customer bears the fees for the loan product, or the borrower burden indicating that the borrower, who is the customer, bears the fees for the loan product, and the fee effective annual rate calculation category for setting whether or not to include fees in the calculation of the effective annual rate, A data generation step in which the data generation unit generates contract fee data for each customer, including the detected fee code, fee burden category, effective annual fee calculation category, customer number, and fee, A business support method that has the following characteristics.

8. A business support program that enables the operation of a computer in a business support device that assists in the calculation of fees for loan products that provide loan funds to customers and collect repayment amounts for each installment period divided into multiple installments, The aforementioned computer, When registering the contract data and contract fee data for each customer, a detection unit detects the fee code, the fee burden category, and the fee effective annual rate calculation category that correspond to the repayment method code entered in the contract data, based on the repayment method code which is a unique code assigned to each loan product entered in the contract data, and sets in the fee conditions master table a fee code that indicates the fee to be added to the loan product, a fee burden category for setting whether the lender who provided the loan to the customer bears the fee for the loan product or the borrower who bears the fee for the loan product, and a fee effective annual rate calculation category for setting whether or not to include the fee in the calculation of the effective annual rate, among the fee code, the fee burden category, and the fee effective annual rate calculation category that correspond to the repayment method code entered in the contract data, which are set in the fee conditions master table and are associated with the repayment method code of each loan product. A data generation unit generates customer-specific contract fee data, including the detected fee code, fee burden category, effective annual fee calculation category, customer number, and fee. A business support program designed to function as such.

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