Compensation calculation device, compensation calculation method, and compensation calculation program

Abstract

The objective is to provide a compensation calculation device that can automatically calculate compensation amounts and reduce errors when calculating compensation amounts based on the annual compensation rate. [Solution] The compensation calculation device includes a determination unit that compares information registered at the time of application for installment payments with information registered in the compensation code determination master to determine whether or not compensation is to be generated, and a compensation calculation unit that, if the determination unit determines that compensation is to be generated, calculates the compensation amount from the compensation company and the annual compensation rate referenced from the annual compensation rate master based on the compensation code registered in the compensation code determination master, and the amount of credit card usage registered at the time of application for installment payments.

Description

Technical Field

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

Background Art

[0002] For example, Patent Document 1 discloses a credit transaction management system that can notify a user of a credit card of an interest fee during a transaction process.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] By the way, in the scheme of individual purchase brokerage, in addition to the three parties of the credit company, the store which is the franchise name of the credit company, and the end user of the credit company, a reimbursement may be paid from a manufacturer or the like, who is other than the three parties, to the credit company. The reimbursement in this case means the amount generated when the manufacturer reimburses a part of the installment fee that the user who purchased the product by installment using the credit card should pay to the credit card company to the credit card company. Therefore, the credit company needs to manage the reimbursement annual rate in addition to the user's payment fee annual rate. However, the reimbursement annual rate cannot be managed by the existing system, and there are cases where it is managed outside the system. In addition, since the reimbursement annual rate is managed outside the system, there is a risk of mistakes when calculating the reimbursement outside the system.

[0005] The present invention has been made in view of the above circumstances, and aims to provide a compensation calculation device, a compensation calculation method, and a compensation calculation program that can reduce errors when calculating compensation based on the annual compensation rate. [Means for solving the problem]

[0006] To solve the above-mentioned problems and achieve the objective, the compensation calculation device according to the present invention comprises a control unit and is a compensation calculation device for managing compensation payments that arise when a manufacturer compensates a credit card company for a portion of the installment fees paid by a user who purchased goods on installment payments using a credit card, and includes a compensation code determination master that associates a compensation code with each product code indicating the type of credit card, the number of installments, the user fee rate, and information about the goods purchased with the credit card, and for each compensation code, the compensating company and the compensation year The control unit is characterized by having access to a master of annual compensation rates to which rates are associated, and the control unit includes a determination unit that compares the information registered at the time of application for installment payments with the information registered in the compensation code determination master to determine whether or not compensation will be incurred, and, if the determination unit determines that compensation will be incurred, a compensation calculation unit that calculates the compensation from the compensation company and the annual compensation rate referenced from the compensation code annual rate master based on the compensation code registered in the compensation code determination master, and the amount used by the credit card registered at the time of application for installment payments.

[0007] Furthermore, the compensation calculation device according to the present invention can access a journal entry pattern master that associates account codes, transaction date items, and amount items for each data classification, and the control unit may further include a journal entry data creation unit that creates journal entry data from the account codes referenced from the journal entry pattern master and the compensation calculated by the compensation calculation unit and referenced based on the transaction date item and the amount item.

[0008] Furthermore, the compensation calculation method according to the present invention is characterized by including a determination step in which a determination unit compares information registered at the time of application for installment payments with information registered in the compensation code determination master to determine whether or not compensation will be generated, and a compensation calculation step in which, if the determination unit determines that compensation will be generated, a compensation calculation unit calculates the compensation from the compensation company and the annual compensation rate referenced from the annual compensation rate master based on the compensation code registered in the compensation code determination master, and the amount of credit card usage registered at the time of application for installment payments.

[0009] Furthermore, the compensation calculation program according to the present invention is designed to cause the compensation calculation device to function as a determination means that compares information registered at the time of application for installment payments with information registered in the compensation code determination master to determine whether or not compensation will be generated, and, if the determination means determines that compensation will be generated, the compensation calculation unit calculates the compensation from the compensation company and the annual compensation rate referenced from the annual compensation rate master based on the compensation code registered in the compensation code determination master, and the amount of credit card usage registered at the time of application for installment payments. [Effects of the Invention]

[0010] This invention enables the automatic calculation of compensation amounts and reduces errors when calculating compensation amounts based on the annual compensation rate. [Brief explanation of the drawing]

[0011] [Figure 1] Figure 1 is a block diagram showing an example of the configuration of the compensation calculation device according to this embodiment. [Figure 2] Figure 2 shows an example of a compensation code determination master stored in the storage unit of the compensation calculation device according to this embodiment. [Figure 3] Figure 3 shows an example of a master of annual compensation rates stored in the storage unit of the compensation calculation device according to this embodiment. [Figure 4]Figure 4 shows an example of an account master stored in the storage unit of the compensation calculation device according to this embodiment. [Figure 5] Figure 5 shows an example of a master of journal entries stored in the storage unit of the compensation calculation device according to this embodiment. [Figure 6] Figure 6 shows an example of a journal entry pattern master stored in the storage unit of the compensation calculation device according to this embodiment. [Figure 7] Figure 7 shows an example of a flowchart of the process performed by the compensation calculation device according to this embodiment. [Figure 8] Figure 8 shows an example of a determination made by the determination unit of the compensation calculation device according to this embodiment. [Figure 9] Figure 9 shows an example of repayment schedule data created by the generation unit of the compensation calculation device according to this embodiment. [Figure 10] Figure 10 shows an example of accounting data generated by the generation unit of the compensation calculation device according to this embodiment. [Figure 11] Figure 11 shows an example of journal entry data created by the journal entry data creation unit of the compensation calculation device according to this embodiment. [Modes for carrying out the invention]

[0012] Embodiments of the compensation calculation device, compensation calculation method, and compensation calculation program according to the present invention will be described in detail below with reference to the drawings. However, the present invention is not limited to these embodiments.

[0013] [1. Structure] An example of the configuration of the compensation calculation device 100 according to this embodiment will be described with reference to Figure 1, etc. Figure 1 is a block diagram showing an example of the configuration of the compensation calculation device 100.

[0014] The reimbursement amount calculation device 100 is for improving the efficiency of operations by managing the reimbursement amount that occurs when a manufacturer reimburses a credit card company for a part of the split commission paid by a user who uses a credit card to the credit card company. The reimbursement amount calculation device 100 is constructed based on a commercially available desktop personal computer. Note that the reimbursement amount calculation device 100 is not limited to being constructed based on a stationary information processing device such as a desktop personal computer, and may also be constructed based on a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, or tablet personal computer.

[0015] The reimbursement amount calculation device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part of the reimbursement amount calculation device 100 is communicably connected via an arbitrary communication path.

[0016] The communication interface unit 104 communicably connects the reimbursement amount calculation device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of communicably connecting the reimbursement amount calculation device 100 and the server 200 to each other, and is, for example, the Internet or a LAN (Local Area Network). Note that the data stored in the storage unit 106 may be stored in the server 200, for example.

[0017] An input / output interface unit 108 is connected to an input device 112 and an output device 114. As the output device 114, in addition to a monitor (including a home television), a speaker or a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. Hereinafter, the output device 114 may be described as the monitor 114.

[0018] The storage unit 106 stores various databases, tables, files, and the like. 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)·ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, and an optical disk can be used.

[0019] The storage unit 106 stores, as master data, a reimbursement code determination master 106a, a reimbursement annual interest rate master 106b, a subject master 106c, a journal item master 106d, a journal pattern master 106e, and the like.

[0020] The reimbursement code determination master 106a stores, in association with each other, a product code indicating the type of credit card, the number of payment times, the user commission rate, and information on products purchased with the credit card, a reimbursement code.

[0021] Figure 2 shows an example of the compensation code determination master table of the compensation code determination master 106a. The compensation code determination master 106a in this embodiment stores information about products purchased with a credit card, including the merchant name, product type category, product name, and model number. As shown in Figure 2, the compensation code determination master 106a stores the compensation code "23AAA" associated with the product code "1000: A Credit", payment number From "12", payment number To "84", merchant name "Directly Managed Store A", product type category "101: New Car", product name "○○ Grand", model number "A24", user fee rate From "1.5%", and user fee rate To "6.3%". Additionally, the product code "2000:B Credit" is stored associated with the following: number of payments From "12", number of payments To "84", merchant name "Directly Managed Store B", product type category "101: New Car", product name "○○ Wagon", model "A24", user commission rate From "2.0%", user commission rate To "6.3%", and compensation code "23ABB". Furthermore, the product code "3000:C Credit" is stored associated with the following: number of payments From "12", number of payments To "84", merchant name "Dealer C", product type category "102: Used Car", product name "○○ Sports", model "A24", user commission rate From "3.0%", user commission rate To "5.9%", and compensation code "23ACC". Furthermore, the product code "4000:D Credit" is associated with the following information and stored: Payment Count From "1", Payment Count To "120", Merchant Name "****", Product Type Category "***", Product Name "*******************", Model "*********", User Fee Rate From "0%", User Fee Rate To "10.0%", and Compensation Code "99AAA". The product code here is a code used to identify the credit card used by the user. Payment Count From is the minimum number of payments that can be set on the credit card used by the user, and Payment Count To is the maximum number of payments that can be set on the credit card used by the user. The merchant name is the name of the store that has a contract with the credit card company to accept card payments, and that purchases the product from the manufacturer and sells it to the user.Furthermore, the merchant name may include information about the type of store, such as whether it is a directly managed store or a retail store. The product type category represents a classification for products purchased by the user. For example, if the product purchased by the user is a car, it will be selected from categories representing the condition of the car, such as "101: New car," "102: Used car," or "103: Insurance." If the product purchased by the user is equipment installed in a home, such as an EneFarm, it will be selected from categories representing the type of home, such as "201: Apartment type" or "202: Detached house type." The user fee rate From is the lower limit of the user fee rate of the credit card used by the user, and the user fee rate To is the upper limit of the user fee rate of the credit card used by the user. The compensation code is a code used to identify the compensation provided by the manufacturer to the credit card company. In addition, the compensation code determination master 106a in this embodiment is configured so that if the data type is character type, items that are set to full length (entering all digits with "*") can be excluded from the extraction criteria. With this configuration, the compensation code determination master 106a can manage the details of the compensation that the manufacturer provides to the credit card company by associating and storing a compensation code for each piece of information related to the type of credit card, the number of installments, the user fee rate, and the goods purchased with the credit card.

[0022] The compensation annual rate master 106b stores the compensation company and the compensation annual rate associated with each compensation code.

[0023] Figure 3 shows an example of the annual compensation rate master table of compensation rate master 106b. As shown in Figure 3, the compensation code "23AAA" is associated with the compensation company "Manufacturer A" and the annual compensation rate "1.0%". Also, the compensation code "23ABB" is associated with the compensation company "Manufacturer A" and the annual compensation rate "1.2%". Furthermore, the compensation code "23ACC" is associated with the compensation company "Manufacturer A" and the annual compensation rate "1.5%". Also, the compensation code "99AAA" is associated with the compensation company "Manufacturer B" and the annual compensation rate "0.4%". Note that the compensation company referred to here is a manufacturer that compensates the credit card company for a portion of the installment fees. With this configuration, the compensation annual rate master 106b stores the compensation company and the compensation annual rate in association with each compensation code, thereby enabling the management of compensation companies and compensation annual rates by compensation code.

[0024] The account master 106c stores the account name (corresponding to the "account name"), tax category, and tax-inclusive category associated with each account code (corresponding to the "account code").

[0025] Figure 4 shows an example of the account master table for account master 106c. As shown in Figure 4, the account code "1000000001" is associated with the account name "Installment Accounts Receivable", tax classification "0: Not Applicable or Non-Taxable Purchase", and tax-inclusive classification "0: Non-Taxable". Similarly, the account code "1000000002" is associated with the account name "Accounts Payable", tax classification "0: Not Applicable or Non-Taxable Purchase", and tax-inclusive classification "0: Non-Taxable". Furthermore, the account code "2000000001" is associated with the account name "Installment Deferred Profit", tax classification "0: Not Applicable or Non-Taxable Purchase", and tax-inclusive classification "0: Non-Taxable". Additionally, the account code "5000000001" is associated with the account name "Current Account", tax classification "0: Not Applicable or Non-Taxable Purchase", and tax-inclusive classification "0: Non-Taxable". Furthermore, the account code "6000000001" is associated with the account name "Compensation," the tax classification "0: Not applicable or tax-exempt purchase," and the tax-inclusive classification "0: Tax-exempt." With this configuration, the account master 106c can define items such as accounts to be set in the journal entry data 106i, which will be described later, by associating the account name with each account code.

[0026] The journal entry item master 106d stores item IDs and item names associated with each data classification.

[0027] Figure 5 shows an example of the journal entry master table for journal entry master 106d. As shown in Figure 5, the item ID "001" and item name "Advance Payment" are stored in association with the data classification "Log Data". Also, the item ID "002" and item name "Installment Fee" are stored in association with the data classification "Log Data". Also, the item ID "901" and item name "Advance Payment Date" are stored in association with the data classification "Log Data". Also, the item ID "902" and item name "Payment Date" are stored in association with the data classification "Log Data". Also, the item ID "051" and item name "Compensation" are stored in association with the data classification "Accounting Development Data". Also, the item ID "911" and item name "Scheduled Payment Date" are stored in association with the data classification "Accounting Development Data". Note that the data classification referred to here is the classification of data generated by computer processing. Furthermore, the item ID is an identifier used to identify a specific item. The item name is a name used to identify the voucher date and amount to be set in the journal entry data 106i, which will be described later. With this configuration, the journal entry item master 106d can define items such as the date and amount to be set in the journal entry data 106i, which will be described later, by associating and storing the item ID and item name for each data classification.

[0028] The journal entry pattern master 106e stores the transaction type, contract type, completion status, account code (equivalent to "account code"), voucher date item, and amount item associated with each data category.

[0029] Figure 6 shows an example of the journal entry pattern master table of the journal entry pattern master 106e. In this embodiment, the journal entry pattern master 106e stores the debit account code and credit account code as account codes. The journal entry pattern master 106e also stores the voucher date item ID as a voucher date item and the amount item column ID as an amount item. As shown in Figure 6, the journal entry pattern master 106e stores the following associated data classifications: log data, transaction type "advance payment," contract type classification "1: advance payment contract," completion classification From "100: transaction in progress," completion classification To "100: transaction in progress," debit account code "1000000001," credit account code "2000000001," voucher date item ID "901: advance payment date," and amount item column ID "001: advance payment." Furthermore, the data classification "Log Data" stores the following information in association with transaction type "Advance Payment Count", contract type classification "1: Advance Payment Contract", completion classification From "100: Transaction in Progress", completion classification To "100: Transaction in Progress", debit account code "1000000002", credit account code "2000000001", voucher date item ID "901: Advance Payment Date", and amount item column ID "002: Installment Fee". Additionally, the data classification "Accounting Development Data" stores the following information in association with transaction type "Monthly Revenue", contract type classification "1: Advance Payment Contract", debit account code "2000000001", credit account code "6000000001", voucher date item ID "911: Payment Due Date", and amount item column ID "051: Compensation". The data classifications referred to here are referenced from the data classifications in Journal Entry Master 106d. The contract type classification is selected from categories such as "1: Advance Payment Contract," "2: Amendment Contract," and "9: Miscellaneous Expenses." The Completion Classification From and Completion Classification To are selected from categories representing the transaction status, such as "100: Transaction in Progress," "101: Completed," and "190: Bad Debt." The debit account code and credit account code are referenced from the account codes in Account Master 106c, respectively. The Voucher Date Item ID and Amount Item Column ID are referenced from the Item IDs in Journal Entry Master 106d, respectively.With this configuration, the journal entry pattern master 106e can define the account, voucher date, and amount of the journal entry data 106i described later by associating and storing the transaction type, contract type, completion type From, completion type To, debit account code, credit account code, voucher date item ID, and amount item column ID for each data classification.

[0030] Furthermore, the storage unit 106 stores the application information data 106f acquired by the acquisition unit 102b, the repayment schedule data 106g and accounting development data 106h generated by the generation unit 102f, and the journal entry data 106i created by the journal entry data creation unit 102e, etc. Details will be described later.

[0031] The application information data 106f is generated when a user who has purchased goods using a credit card applies to the credit card company for installment payments. As shown in Figure 8, it may include information such as the product code indicating the type of credit card, the number of installments, the merchant name, the product type category, the product name and model of the goods purchased with the credit card, the user fee rate, the amount advanced, the first repayment date, and the repayment method.

[0032] Furthermore, the repayment schedule data 106g is generated when calculating the installment fees that a user who has purchased goods using a credit card will pay to the credit card company, and as shown in Figure 9, it may include information such as the scheduled payment year and month, the scheduled payment date, the total repayment amount, the principal, the fees, and the remaining balance after repayment.

[0033] Furthermore, the accounting data 106h is generated when calculating the compensation amount that the manufacturer will reimburse to the credit card company as part of the installment fees that a user who purchased goods using a credit card pays to the credit card company. As shown in Figure 10, it may include information such as the scheduled payment year and month, the scheduled payment date, the total repayment amount, the principal, the compensation amount, and the remaining balance after repayment.

[0034] Next, referring again to Figure 1, the control unit 102 will be described. The control unit 102 is a CPU or the like that comprehensively controls the compensation calculation device 100. The control unit 102 has an internal memory for storing control programs such as the OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. The control unit 102 comprises a display control unit 102a, an acquisition unit 102b, a determination unit 102c, a compensation calculation unit 102d, a journal entry data creation unit 102e, a generation unit 102f, and an output unit 102g.

[0035] The display control unit 102a displays various screens on the display unit (monitor 114 in this embodiment) according to the processing performed by the user using the compensation calculation device 100.

[0036] The acquisition unit 102b acquires application information data 106f that has been pre-registered by the merchant when a user who has purchased goods using a credit card applies to the credit card company for installment payments and the application is approved.

[0037] The determination unit 102c compares the information registered at the time of application for installment payments with the information registered in the compensation code determination master 106a to determine whether or not compensation will be incurred. In this embodiment, if the extraction conditions are product code, number of installments, merchant name, product type classification, product name, model, and user fee rate, the determination unit 102c compares the product code, number of installments From, number of installments To, merchant name, product type classification, product name, model, user fee rate From, and user fee rate To registered in the compensation code determination master 106a to determine whether or not compensation will be incurred. Furthermore, when the determination unit 102c compares the number of payments registered in the application information data 106f with the number of payments From and number of payments To registered in the compensation code determination master 106a, it determines whether or not compensation will be incurred by determining whether or not the number of payments registered in the application information data 106f is a value between the number of payments From and number of payments To registered in the compensation code determination master 106a. In addition, when the determination unit 102c compares the user fee rate registered in the application information data 106f with the user fee rate From and user fee rate To registered in the compensation code determination master 106a, it determines whether or not compensation will be incurred by determining whether or not the user fee rate in the application information data 106f is a value between the user fee rate From and user fee rate To registered in the compensation code determination master 106a. The determination unit 102c then determines that compensation is due if the product code, merchant name, product type category, product name, and model registered in the application information data 106f match the product code, merchant name, product type category, product name, and model registered in the compensation code determination master 106a, the number of payments registered in the application information data 106f is between the number of payments From and the number of payments To registered in the compensation code determination master 106a, and the user commission rate registered in the application information data 106f is between the user commission rate From and the user commission rate To registered in the compensation code determination master 106a.Furthermore, the determination unit 102c determines that no compensation will be issued if the product code, merchant name, product type classification, product name, and model registered in the application information data 106f do not match the product code, merchant name, product type classification, product name, and model registered in the compensation code determination master 106a, or if the number of payments registered in the application information data 106f is not between the number of payments From and the number of payments To registered in the compensation code determination master 106a, or if the user commission rate registered in the application information data 106f is not between the user commission rate From and the user commission rate To registered in the compensation code determination master 106a.

[0038] Furthermore, if the determination unit 102c determines that compensation is due, it identifies the compensation company and the annual compensation rate by referring to the compensation rate master 106b based on the compensation code registered in the compensation code determination master 106a.

[0039] When the determination unit 102c determines that compensation is due, the compensation calculation unit 102d calculates the compensation amount based on the compensation company and the annual compensation rate referenced from the annual compensation rate master 106b based on the compensation code registered in the compensation code determination master 106a, and the amount used by the credit card registered at the time of application for installment payments (in this embodiment, the advance payment registered in the application information data 106f).

[0040] The journal entry data creation unit 102e creates journal entry data 106i from the account code (corresponding to "account code") referenced from the journal entry pattern master 106e and the compensation amount calculated by the compensation calculation unit 102d and referenced based on the voucher date item ID (corresponding to "voucher date item") and amount item column ID (corresponding to "amount item") of the journal entry pattern master 106e.

[0041] Note that journal entry data 106i is created when a journal entry is generated, and as shown in Figure 11, it may include information such as the transaction date, debit account code, debit amount, credit account code, and credit amount.

[0042] The generation unit 102f generates accounting data 106h based on information entered by a user of the compensation calculation device 100. The generation unit 102f also generates accounting data 106h based on information entered by a user of the compensation calculation device 100 and information regarding the compensation calculated by the compensation calculation unit 102d.

[0043] The output unit 102g outputs various data to the display unit (monitor 114 in this embodiment) according to the processing performed by the user using the compensation calculation device 100.

[0044] [2. Specific examples of processing] A specific example of the processing performed by the compensation calculation device 100 configured as described above will be explained with reference to Figures 7 to 11, etc. Figure 7 is a diagram showing an example of a flowchart of the processing performed by the compensation calculation device 100.

[0045] The compensation calculation device 100 performs steps S1 to S3 described below as part of the compensation calculation process. First, the determination unit 102c determines whether or not compensation is due (step S1). At this time, the determination unit 102c compares the product code, number of installments, merchant name, product type classification, product name, model, and user commission rate registered in the application information data 106f with the product code, number of installments From, number of installments To, merchant name, product type classification, product name, model, user commission rate From, and user commission rate To registered in the compensation code determination master 106a to determine whether or not compensation is due.

[0046] Then, if it is determined that compensation is due (Step S1: Yes), the determination unit 102c identifies the company to be compensated and the annual compensation rate by referring to the annual compensation rate master 106b based on the compensation code registered in the compensation code determination master 106a.

[0047] For example, as shown in Figure 8, in the case of Example 1, which is registered in the first row of the application information data 106f, the determination unit 102c determines the product code "1000:A Credit", merchant name "Directly Managed Store A", product type classification "101: New Car", product name "○○ Grand", model "A24" registered in the application information data 106f, and the product code "1000:A Credit", merchant name "Directly Managed Store A", product type classification "101: New Car", product name "○○ Grand", model as shown in Figure 2. Since it matches "A24", the number of payments "12" registered in the application information data 106f is between the number of payments From "12" and the number of payments To "84" registered in the first row of the compensation code determination master 106a shown in Figure 2, and the user commission rate "1.9%" registered in the application information data 106f is between the user commission rate From "1.5%" and the user commission rate To "6.3%" registered in the first row of the compensation code determination master 106a shown in Figure 2, it is automatically determined that compensation will be issued.Then the determination unit 102c determines that the compensation code "23AAA" registered in the first row of the compensation code determination master 106a shown in Figure 2 is applicable, and based on the compensation code "23AAA", it refers to the compensation annual rate master 106b shown in Figure 3 to identify that the compensation company is "Manufacturer A" and the compensation annual rate is "1.0%".

[0048] Furthermore, as shown in Figure 8, in the case of Example 2, which is registered in the second row of the application information data 106f, the determination unit 102c determines that the merchant name, product type classification, product name, and model number in the row where the product code in the compensation code determination master 106a is "4000:D credit" are full digits, and therefore excludes the merchant name, product type classification, product name, and model number from the extraction conditions, and then combines the product code "4000:D credit" registered in the application information data 106f with the product code "4000:D credit" registered in the fourth row of the compensation code determination master 106a shown in Figure 2. The system automatically determines that compensation is due, as it matches "00:D credit", the number of payments "120" registered in the application information data 106f is between the number of payments From "1" and the number of payments To "120" registered in the fourth row of the compensation code determination master 106a shown in Figure 2, and the user commission rate "2.6%" registered in the application information data 106f is between the user commission rate From "2.0%" and the user commission rate To "6.3%" registered in the first row of the compensation code determination master 106a shown in Figure 2. The determination unit 102c then determines that the compensation code "99AAA" registered in the fourth row of the compensation code determination master 106a shown in Figure 2 is applicable, and based on the compensation code "99AAA", it refers to the compensation annual rate master 106b shown in Figure 3 to identify that the compensation company is "Manufacturer B" and the compensation annual rate is "0.4%".

[0049] On the other hand, if it is determined that no compensation payment is due (Step S1: No), the process is terminated. For example, as shown in Figure 8, in the case of Example 3, which is registered in the third row of the application information data 106f, there is no data in the compensation payment code determination master 106a that matches the product code "5000: E Credit", merchant name "Dealer C", product type classification "101: New Car", product name "○○ Grand", and model "A24" registered in the application information data 106f, so it is automatically determined that no compensation payment is due. The determination unit 102c then determines that there is no corresponding compensation code.

[0050] Then, in step S1, the existence of compensation is automatically determined, and once the compensation company and the annual compensation rate are identified, the compensation calculation unit 102d calculates the compensation (step S2). At this time, the compensation calculation unit 102d calculates the compensation based on the compensation company and the annual compensation rate identified by the determination unit 102c, and the advance payment registered in the application information data 106f.

[0051] For example, in the case of Example 1, which is registered in the first row of the application information data 106f shown in Figure 8, the control unit 102 automatically calculates the installment fee (corresponding to "fees" in Figure 9) that a user who purchased goods using a credit card will pay to the credit card company, based on the fact that the repayment method is "equal principal and interest payments", the first repayment date is "2023 / 5 / 27", the number of payments is "12", the advance payment is "1,000,000", and the user fee rate is "1.9%". Then, the generation unit 102f automatically generates the repayment schedule data 106g shown in Figure 9 from the result calculated by the compensation calculation unit 102d.

[0052] The compensation calculation unit 102d then automatically calculates the compensation amount that manufacturer A, the compensation company, will pay to the credit card company, based on the fact that the repayment method is "equal principal and interest payments", the first repayment date is "2023 / 5 / 27", the number of payments is "12", the advance payment is "1,000,000", and the annual compensation rate is "1.0%". The compensation calculation unit 102d then calculates the total compensation amount by summing up the compensation amounts for the number of payments (12 payments in this embodiment). The generation unit 102f then automatically generates the accounting data 106h shown in Figure 10 from the results calculated by the compensation calculation unit 102d.

[0053] Then, once the compensation amount is automatically calculated in step S2, the journal entry data creation unit 102e creates journal entry data 106i (step S3). At this time, the journal entry data creation unit 102e creates journal entry data 106i from the account codes (debit account codes and credit account codes) referenced from the journal entry pattern master 106e and the compensation amount referenced from the data calculated by the compensation amount calculation unit 102d and registered in the accounting development data 106h, based on the voucher date item ID and amount item column ID of the journal entry pattern master 106e. For example, when the journal entry data creation unit 102e creates "Monthly Revenue Journal Entry Data for May 2023" as journal entry data 106i, it first sets the debit account code to be set in journal entry data 106i to "2000000001: Installment Deferred Profit" based on the debit account code "2000000001" registered in the third row of the journal entry pattern master 106e shown in Figure 6. Then, based on the credit account code "6000000001" registered in the third row of the journal entry pattern master 106e shown in Figure 6, it sets the credit account code to be set in journal entry data 106i to "6000000001: Compensation". Furthermore, based on the voucher date item ID "911: Scheduled Payment Date" and amount item column ID "051: Compensation Amount" registered in the third row of the journal entry pattern master 106e shown in Figure 6, the first row of the accounting development data 106h for which the scheduled payment date is within the range of 2023 / 5 / 1 to 2023 / 5 / 31 is referenced (see Figure 10), and the voucher date to be set in journal entry data 106i is set to "2023 / 5 / 29". Also, based on the voucher date item ID "911: Scheduled Payment Date" and amount item column ID "051: Compensation Amount" registered in the third row of the journal entry pattern master 106e shown in Figure 6, the first row of the accounting development data 106h for which the scheduled payment date is within the range of 2023 / 5 / 1 to 2023 / 5 / 31 is referenced (see Figure 10), and the debit and credit amounts to be set in journal entry data 106i are set to "833". Then, as shown in Figure 11, by entering values ​​in the fields for the transaction date, debit account code, debit amount, credit account code, and credit amount, a journal entry for recording the compensation as revenue can be created.

[0054] According to the embodiment described above, the determination unit 102c can determine whether or not compensation is due by comparing the information registered at the time of application for installment payments (in this embodiment, the information registered in the application information data 106f) with the information registered in the compensation code determination master 106a. Furthermore, if the determination unit 102c determines that compensation is due, the compensation calculation unit 102d can calculate the compensation amount from the compensation company and the compensation annual rate referenced from the compensation annual rate master 106b based on the compensation code registered in the compensation code determination master 106a, and the amount of credit card usage registered at the time of application for installment payments (in this embodiment, the advance payment registered in the application information data 106f). With this configuration, the compensation calculation device 100 can automatically identify the compensation annual rate according to the conditions of the credit product, etc., and automatically calculate the compensation amount from the compensation annual rate. Therefore, the compensation calculation device 100 can appropriately determine the compensation amount, thereby reducing human error when calculating the compensation amount based on the annual compensation rate. Furthermore, by reducing human error when calculating the compensation amount, the compensation calculation device 100 can shorten the time required to verify the accuracy of the compensation amount and reduce the time required to respond when calculation errors occur, thereby preventing lost opportunities. Consequently, the compensation calculation device 100 can improve the efficiency of operations.

[0055] Furthermore, according to this embodiment, the journal entry data creation unit 102e can create journal entry data 106i from the account code referenced from the journal entry pattern master 106e and the compensation amount calculated by the compensation amount calculation unit 102d and referenced based on the voucher date item and amount item of the journal entry pattern master 106e. With this configuration, the compensation amount calculation device 100 can automatically create the revenue recognition journal entry for the compensation amount that arises when the compensation amount is incurred. As a result, the compensation amount calculation device 100 can make appropriate journal entries, thereby reducing human error when making journal entries. And by reducing human error when making journal entries, the compensation amount calculation device 100 can improve the efficiency of operations.

[0056] [3. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving operational efficiency and promoting appropriate management decisions by companies, thereby contributing to SDGs Goals 8 and 9.

[0057] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and digital processes, thereby contributing to SDGs Goals 12, 13, and 15.

[0058] Furthermore, this embodiment can contribute to strengthening control and governance, thereby enabling contributions to SDG Goal 16.

[0059] [4. Other Embodiments] Although embodiments of the present invention have been described above, the present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims, in addition to the embodiments described above.

[0060] For example, among the processes described in the embodiments described above, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically by known methods.

[0061] In addition, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each process, screen examples, and database configuration shown in the above-mentioned documents and drawings may be changed at will unless otherwise specified.

[0062] Furthermore, with respect to the compensation calculation device 100, each component shown in the illustration is a functional concept and does not necessarily need to be physically configured as shown.

[0063] For example, the processing functions of each device constituting the compensation calculation device 100, particularly those performed in the control unit, may be implemented in whole or in part by a CPU and a program interpreted and executed by the CPU, or they may be implemented as wired logic hardware. The program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in this embodiment, and is mechanically read by each device as needed. That is, a storage unit such as ROM or HDD (Hard Disk Drive) contains a computer program that works in cooperation with the OS to give instructions to the CPU and perform various processing. This computer program is executed by being loaded into RAM and works in cooperation with the CPU to constitute the control unit.

[0064] Furthermore, this computer program may be stored on an application program server connected to the compensation calculation device 100 via any network, and it is possible to download all or part of it as needed.

[0065] Furthermore, the program for executing the processing described in this embodiment may be stored on a non-temporary computer-readable recording medium, or it may be configured as a program-first product. Here, "recording medium" includes any "portable physical 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.

[0066] Furthermore, "program" refers to a data processing method described in any language or writing method, regardless of its format, such as source code or binary code. Note that "program" is not necessarily limited to a single, monolithic structure; it also includes distributed structures consisting of multiple modules or libraries, and those that work in cooperation with other programs, such as an operating system, to achieve their functions. Regarding the specific configuration and reading procedures for reading the recording medium in each device shown in the embodiments, as well as the installation procedures after reading, well-known configurations and procedures can be used.

[0067] The various databases stored in the memory unit are storage means such as RAM, ROM, other memory devices, hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and website provision.

[0068] Furthermore, the compensation calculation device 100 may be configured as a known personal computer or workstation or other information processing device, or as an information processing device to which any peripheral devices are connected. Alternatively, the compensation calculation device 100 may be implemented by installing software (including programs or data, etc.) that enables the processing described in this embodiment onto the compensation calculation device 100.

[0069] 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 and integrating them in any unit according to various additions or functional loads. In other words, the embodiments described above may be implemented in any combination, or the embodiments may be implemented selectively. [Industrial applicability]

[0070] This invention is useful, for example, in the credit card industry. [Explanation of Symbols]

[0071] 100 Compensation Calculation Device 102 Control Unit 102a Display Control Unit 102b Acquisition Department 102c Judgment section 102d Compensation Calculation Department 102e Journal Entry Data Creation Department 102f Generator 102g output section 104 Communication Interface Section 106 Storage section 106a Compensation Code Determination Master 106b Compensation Annual Rate Master 106c Subject Master 106d Journal Entry Item Master 106e Journal Entry Pattern Master 106f Application Information Data 106g Repayment schedule data 106h Accounting Data 106i Journal Entry Data 108 Input / Output Interface Section 112 Input device 114 Output device 200 servers 300 Networks

Claims

1. A compensation calculation device equipped with a control unit for managing compensation payments that arise when a manufacturer compensates a credit card company for a portion of the installment fees paid by a user to the credit card company when the user purchases goods on an installment basis using a credit card, A compensation code determination master is provided, which associates a compensation code with each piece of information related to the product code, number of installments, user fee rate, and the product purchased with the aforementioned credit card, indicating the type of credit card. For each compensation code, it is possible to access a master data set of compensation rates that associates the compensation company and the annual compensation rate. The control unit, A determination unit that compares the information registered at the time of application for installment payments with the information registered in the compensation code determination master to determine whether or not the compensation payment will be issued, When the determination unit determines that the compensation payment is to be made, the compensation calculation unit calculates the compensation payment based on the compensation code registered in the compensation code determination master, the compensation company and the compensation annual rate referenced from the compensation annual rate master, and the amount of the credit card used at the time of application for installment payments. A compensation calculation device characterized by comprising the following features.

2. For each data category, further access is available to a journal entry pattern master that associates account codes, transaction date fields, and amount fields. The control unit, The system further includes a journal entry data creation unit that creates journal entry data from the account code referenced from the journal entry pattern master and the compensation amount calculated by the compensation calculation unit and referenced based on the voucher date item and the amount item. The compensation calculation device according to claim 1.

3. The determination unit compares the information registered at the time of application for installment payments with the information registered in the compensation code determination master to determine whether or not compensation will be issued. If the determination unit determines that the compensation payment is due, the compensation payment calculation unit calculates the compensation payment based on the compensation company and the annual compensation rate referenced from the annual compensation rate master based on the compensation code registered in the compensation code determination master, and the amount of credit card usage registered at the time of application for installment payments. A method for calculating compensation, characterized by including the following.

4. A compensation calculation device, A determination means that compares the information registered when applying for installment payments with the information registered in the compensation code determination master to determine whether or not compensation will be issued. If the determination means determines that the compensation payment will be incurred, the compensation payment calculation unit calculates the compensation payment based on the compensation company and the annual compensation rate referenced from the annual compensation rate master based on the compensation code registered in the compensation code determination master, and the amount of credit card usage registered at the time of application for installment payments. A compensation calculation program designed to function as such.

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