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

Abstract

This reduces the burden of calculating prepayment fees when changing the repayment terms of financial loans. [Solution] When a customer makes a partial prepayment, the detection unit detects the repayment pattern code of the repayment pattern that indicates the product characteristics of the loan product contracted by the customer, which is included in the customer's loan data. The acquisition unit obtains the partial prepayment fee rate or partial prepayment fee corresponding to the detected repayment pattern code from the repayment pattern master table. The calculation unit calculates the prepayment fee by multiplying the amount of the partial prepayment made by the customer by the partial prepayment fee rate. The update processing unit updates the prepayment fee included in the customer's loan data with the calculated prepayment fee based on the detected repayment pattern code, or updates the prepayment fee included in the customer's loan data with the partial prepayment fee.

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] Patent Document 1 (Japanese Patent Application Laid-Open No. 2024-112154) discloses a loan application system that enables early repayment when applying for a loan for vehicle purchase costs and various costs associated with vehicle purchase.

[0003] In paragraph 0028 of this Patent Document 1, a technique is disclosed in which, by making monthly repayments, a split fee is calculated by multiplying the principal of the payment amount, which decreases, by the effective annual interest rate for each repayment amount calculated for each number of payments.

[0004] Also, in paragraph 0037 of Patent Document 1, a technique is disclosed for displaying an input form screen that accepts input of early repayment target products, early repayment amounts, and early repayment years and months.

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0006] Here, in the creditor's rights management business, when there is an application for a change in repayment conditions such as early repayment or partial early repayment, it is necessary to calculate the fees associated with the change in repayment conditions. Conventionally, for the creditor's rights for which an application for a change in repayment conditions has been made, an individual investigation has been conducted to calculate the early repayment fees. Such a calculation operation for the fees for changes in repayment conditions places a burden on the person in charge.

[0007] 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 can reduce the burden of calculating the early repayment fee when the repayment terms are changed. [Means for solving the problem]

[0008] To solve the above-mentioned problems and achieve the objective, the business support device according to the present invention is a business support device that assists in the calculation of prepayment fees when prepayment is made in loan operations in which loan funds are lent to customers and repayment amounts are collected for each installment period in which the repayment period is divided into multiple installments. The device includes a detection unit that detects a repayment pattern code of a repayment pattern that indicates the product characteristics of the loan product contracted by the customer, which is included in the customer's loan data when a partial prepayment is made by the customer, and a repayment pattern master table in which the partial prepayment fee rate and a fixed amount of the partial prepayment fee for each repayment pattern code are set, and responds to the repayment pattern code detected by the detection unit. The system includes: an acquisition unit that acquires a partial prepayment fee rate or a partial prepayment fee; a calculation unit that calculates a prepayment fee by multiplying the amount of the partial prepayment made by the customer by the partial prepayment fee rate; and an update processing unit that, if a partial prepayment fee rate is set in the repayment pattern code detected from the customer's loan data, updates the prepayment fee included in the customer's loan data with the prepayment fee calculated by the calculation unit, and if a fixed amount of partial prepayment fee is set in the repayment pattern code detected from the customer's loan data, updates the prepayment fee included in the customer's loan data with the partial prepayment fee.

[0009] Furthermore, in order to solve the above-mentioned problems and achieve the objective, 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 prepayment fees when prepayment is made in loan operations in which loan funds are lent to customers and repayment amounts are collected for each installment period in which the repayment period is divided into multiple installments, and the detection unit detects a repayment pattern code of a repayment pattern that indicates the product characteristics of the loan product contracted by the customer, which is included in the customer's loan data when a partial prepayment is made by the customer, and the acquisition unit refers to a repayment pattern master table in which the partial prepayment fee rate and a fixed amount of partial prepayment fee for each repayment pattern code are set, and acquires the repayment pattern code detected in the detection step The system includes an acquisition step to obtain a partial prepayment fee rate or partial prepayment fee corresponding to the code; a calculation step in which a calculation unit calculates an amount obtained by multiplying the amount of partial prepayment made by the customer by the partial prepayment fee rate as the prepayment fee; and an update processing step in which an update processing unit updates the prepayment fee included in the customer's loan data with the prepayment fee calculated in the calculation step if a partial prepayment fee rate is set in the repayment pattern code detected from the customer's loan data, and updates the prepayment fee included in the customer's loan data with the partial prepayment fee if a fixed amount of partial prepayment fee is set in the repayment pattern code detected from the customer's loan data.

[0010] 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 prepayment fees when prepayment is made in loan operations in which loan funds are lent to customers and repayment amounts are collected for each installment period into which the repayment period is divided into multiple installments. In order to solve the above problems and achieve the objective, the computer includes a detection unit that detects a repayment pattern code of a repayment pattern that indicates the product characteristics of the loan product contracted by the customer, which is included in the customer's loan data, when a partial prepayment is made by the customer, and a repayment pattern master table in which the partial prepayment fee rate and a fixed amount of the partial prepayment fee for each repayment pattern code are set, and the detection unit The system functions as an acquisition unit that obtains the partial prepayment fee rate or partial prepayment fee corresponding to the detected repayment pattern code, a calculation unit that calculates the prepayment fee by multiplying the amount of the partial prepayment made by the customer by the partial prepayment fee rate, and an update processing unit that, if the repayment pattern code detected from the customer's loan data has a partial prepayment fee rate set, updates the prepayment fee included in the customer's loan data with the prepayment fee calculated by the calculation unit, and if the repayment pattern code detected from the customer's loan data has a fixed amount for the partial prepayment fee, updates the prepayment fee included in the customer's loan data with the partial prepayment fee. [Effects of the Invention]

[0011] This invention can reduce the burden of calculating prepayment fees when repayment terms are changed. [Brief explanation of the drawing]

[0012] [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 repayment pattern master table. [Figure 3] Figure 3 is a diagram illustrating the data structure of loan data. [Figure 4]Figure 4 is a schematic diagram showing the operation overview of the automatic calculation of early repayment fees in the business support device of the embodiment. [Figure 5] Figure 5 shows some of the input fields on the contract entry screen. [Figure 6] Figure 6 shows loan data with the repayment pattern code "HPC-1" set. [Figure 7] Figure 7 shows the prepayment fee corresponding to the amount of the prepayment addition that was paid off early. [Figure 8] Figure 8 shows loan data with the amount of the early repayment surcharge and the early repayment fee entered. [Figure 9] Figure 9 shows the prepayment fee corresponding to the amount of the prepayment addition made when a portion of the loan is prepaid. [Figure 10] Figure 10 shows loan data with the prepayment amount and prepayment fee entered for partial prepayments. [Modes for carrying out the invention]

[0013] The following describes in detail, based on the drawings, an example of applying the present invention to a terminal device of a loan company that lends money to customers through a predetermined loan product and collects repayments from customers at predetermined intervals, such as monthly, as an embodiment of the business support device. However, the present invention is not limited to the following embodiments.

[0014] (overview) In debt management operations, when an application for a change in repayment terms, such as early repayment or partial prepayment, is received, it is necessary to calculate the prepayment fee associated with the change in repayment terms. This prepayment fee is calculated individually for each debt after checking whether the established prepayment fee calculation method is a "fixed amount" or "calculated by multiplying an additional amount by a rate."

[0015] Therefore, calculating the early repayment fee took a long time and incurred additional costs.

[0016] In addition, since the calculation of the prepayment fee is performed outside the system, there is a risk that an incorrect prepayment fee may be calculated.

[0017] Here, although it depends on the terms and conditions, in the case of loan products with a high loan amount such as a housing loan, a fixed prepayment fee amount is often set. On the contrary, in the case of loan products with a small loan amount, a predetermined fee rate is set, and the fee amount is often calculated by multiplying this fee rate by the amount repaid in advance (the added amount). This means that the calculation method of the prepayment fee can be determined according to the product characteristics of the loan product.

[0018] Therefore, the business support device according to the embodiment sets the calculation method of the prepayment fee according to the product characteristics of the loan product (for each repayment pattern described later), and calculates the prepayment fee at the time of prepayment using this calculation method.

[0019] Specifically, the following settings regarding the prepayment fee at the time of prepayment are managed in master form according to the product characteristics (by repayment pattern). When registering a loan application, the repayment pattern corresponding to the product characteristics of the contracted loan product is selected and held (added) in the contract data. When prepayment occurs, according to the set repayment pattern, the prepayment fee calculated by multiplying the prepayment amount (added amount) by the fee rate is calculated, or a fixed prepayment fee is used.

[0020] This enables the calculation of the prepayment fee quickly and accurately without burdening the person in charge (shortening the calculation time of the prepayment fee and preventing calculation errors).

[0021] (Hardware Configuration) As shown in FIG. 1, the business support device 1 according to the embodiment, which is a terminal device of a financing company, 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.

[0022] 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.

[0023] 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.

[0024] The customer accesses the business support device 1 via the customer terminal device 51 to contract for the desired loan product and borrow the desired amount of 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).

[0025] 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.

[0026] Memory unit 2 stores a business support program that reduces the burden of calculating the early repayment fee when repayment terms are changed.

[0027] Furthermore, this memory unit 2 is equipped with a repayment pattern master table 11 and a loan data storage unit 12, which are memory areas.

[0028] The repayment pattern master table 11 stores the fee rate for calculating the prepayment fee, as well as the fixed amount of the prepayment fee, which are set according to the "product characteristics" of the loan product, such as the amount handled (whether it is a large or small amount) and the repayment period (whether it is a long or short period).

[0029] Specifically, in the example shown in Figure 2, the fee rate used to calculate the prepayment fee, and the fixed amount of the prepayment fee, are set separately for each of the four repayment patterns (characteristics of the loan product).

[0030] The repayment pattern code "HPC-1" is the "Card Loan Repayment Method A" repayment pattern, and it has a partial prepayment fee rate of "5%" used to calculate the repayment fee when a partial prepayment is made, and an early repayment fee rate of "3%" used to calculate the repayment fee when the loan is repaid early.

[0031] The repayment pattern code "HPC-2" is the "Card Loan Repayment Method B" repayment pattern, and it has a partial prepayment fee rate of "10%" used to calculate the repayment fee when a partial prepayment is made, and an early repayment fee rate of "5%" used to calculate the repayment fee when the loan is repaid early.

[0032] The repayment pattern with repayment pattern code "HPC-3" is the "Housing Loan Repayment Method A" repayment pattern, and a fixed partial prepayment fee of "50,000 yen" is set for when a partial prepayment is made, and an early repayment fee of "30,000 yen" is set for when the loan is repaid early.

[0033] The repayment pattern with repayment pattern code "HPC-4" is the "Housing Loan Repayment Method B" repayment pattern, and a fixed partial prepayment fee of "200,000 yen" is set for when a partial prepayment is made, and an early repayment fee of "100,000 yen" is set for when the loan is repaid early.

[0034] As shown in Figure 3, the loan data storage unit 12 stores loan data including the contract number, product code, product name, repayment pattern code, early repayment fee rate, early repayment fee, and early repayment additional amount.

[0035] This loan data is created by the staff member when the customer applies for (contracts) a loan product. The contract number is automatically assigned and added by the data generation unit 21. The product code is the product code of the loan product contracted by the customer. The product name is the product name of the loan product contracted by the customer.

[0036] The repayment pattern code is assigned by the person in charge based on the characteristics of the contracted loan product, such as the amount and repayment period, as shown in the repayment pattern master table 11 in Figure 2. The repayment pattern code (one of HPC-1 to HPC-4) is assigned to the repayment pattern selected by the person in charge.

[0037] The repayment pattern code is set to HPC-1. If a customer makes a partial prepayment, the loan data will be set to "5%" as the prepayment fee rate. Additionally, the amount prepaid will be entered as the prepayment addition amount, and the prepayment fee will be the amount prepaid multiplied by 3%.

[0038] Furthermore, HPC-1 is set as the repayment pattern code, and if the customer makes an early repayment, the loan data will be set to an early repayment fee rate of "3%". In addition, the amount of the early repayment will be entered as the early repayment addition amount, and the early repayment fee will be the amount obtained by multiplying this early repayment amount by 3%.

[0039] Furthermore, HPC-2 is set as the repayment pattern code, and if a customer makes a partial prepayment, the loan data will be set to "10%" as the prepayment fee rate. In addition, the amount prepaid is entered as the prepayment addition amount, and the prepayment fee is the amount obtained by multiplying this prepaid amount by 10%.

[0040] Furthermore, HPC-2 is set as the repayment pattern code, and if the customer makes an early repayment, the loan data will be set to "5%" as the early repayment fee rate. In addition, the amount of the early repayment will be entered as the early repayment addition amount, and the early repayment fee will be the amount obtained by multiplying this early repayment amount by 5%.

[0041] Additionally, if HPC-3 is set as the repayment pattern code, and a customer makes a partial prepayment, the prepayment fee rate in the loan data will be left blank, "50,000 yen" will be entered in the prepayment fee field, and the amount prepaid will be entered in the prepayment addition amount field.

[0042] Additionally, HPC-3 is set as the repayment pattern code. If the customer makes an early repayment, the early repayment fee rate in the loan data will be left blank, "30,000 yen" will be entered in the early repayment fee field, and the amount of the early repayment will be entered in the early repayment addition amount field.

[0043] Additionally, HPC-4 is set as the repayment pattern code. If a customer makes a partial prepayment, the prepayment fee rate in the loan data will be left blank, "200,000 yen" will be entered in the prepayment fee field, and the amount prepaid will be entered in the prepayment addition amount field.

[0044] Additionally, HPC-4 is set as the repayment pattern code. If the customer makes an early repayment, the early repayment fee rate in the loan data will be left blank, "100,000 yen" will be entered in the early repayment fee field, and the amount of the early repayment will be entered in the early repayment addition field.

[0045] (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 data generation unit 21, detection unit 22, acquisition unit 23, calculation unit 24, update processing unit 25, output control unit 26, and communication control unit 27, as shown in Figure 1.

[0046] In this example, the data generation unit 21 to the communication control unit 27 are described as being implemented in software based on the business support program, but all or part of the data generation unit 21 to the communication control unit 27 may be implemented in hardware. In either case, the same effects as described later can be obtained.

[0047] The communication control unit 27 controls communication with the customer terminal device 51 and accepts applications and contracts for loan products. The communication control unit 27 also controls communication with the bank terminal device 52 and processes deposits in response to customer deposit requests, partial early repayments, or early repayments.

[0048] The business support device 1 of this embodiment is a business support device that assists in the calculation of early repayment fees when an early repayment is made in loan operations, in which loan funds are provided to customers and repayment amounts are collected for each installment period, which is divided into multiple repayment periods.

[0049] The data generation unit 21 generates loan data corresponding to the loan agreement with the customer based on the operator's input and stores it in the loan data storage unit 12.

[0050] When a customer makes a partial prepayment, the detection unit 22 detects a repayment pattern code (one of HPC-1 to HPC-4) that indicates the characteristics of the loan product contracted by the customer, which is included in the customer's loan data (see Figure 6).

[0051] The acquisition unit 23 refers to the repayment pattern master table 11, in which the partial prepayment fee rate and the fixed amount of the partial prepayment fee are set for each repayment pattern code, and acquires the partial prepayment fee rate (5% or 10% in the example in Figure 2) or the partial prepayment fee (50,000 yen or 200,000 yen in the example in Figure 2) corresponding to the repayment pattern code detected by the detection unit 22.

[0052] The calculation unit 24 calculates the prepayment fee by multiplying the amount of the partial prepayment made by the customer by the partial prepayment fee rate (5% or 10%).

[0053] If a partial prepayment fee rate is set for the repayment pattern code detected from the customer's loan data, the update processing unit 25 updates the prepayment fee included in the customer's loan data with the prepayment fee calculated by the calculation unit 24.

[0054] Alternatively, if the repayment pattern code detected from the customer's loan data has a fixed amount set for the partial prepayment fee, the update processing unit 25 updates the prepayment fee included in the customer's loan data with the partial prepayment fee (50,000 yen or 200,000 yen).

[0055] In response, the detection unit 22 detects a repayment pattern code, which is included in the customer's loan data and indicates the characteristics of the loan product the customer has contracted for, when the customer makes an early repayment.

[0056] The repayment pattern master table 11 contains the early repayment fee rate (3% or 5% in the example in Figure 2) and a fixed early repayment fee (30,000 yen or 100,000 yen in the example in Figure 2) for each repayment pattern code.

[0057] The acquisition unit 23 refers to the repayment pattern master table 11 and acquires the early repayment fee rate (3% or 5%) or early repayment fee (30,000 yen or 100,000 yen) corresponding to the repayment pattern code detected by the detection unit 22.

[0058] The calculation unit 24 calculates the early repayment fee by multiplying the amount of early repayment received from the customer by the early repayment fee rate (3% or 5%).

[0059] If the repayment pattern code detected from the customer's loan data has an early repayment fee rate (3% or 5%) set, the update processing unit 25 updates the early repayment fee included in the customer's loan data with the early repayment fee calculated by the calculation unit 24.

[0060] In contrast, if a fixed early repayment fee (30,000 yen or 100,000 yen) is set for the repayment pattern code detected from the customer's loan data, the early repayment fee included in the customer's loan data will be updated with this early repayment fee.

[0061] The output control unit 26 reads the loan data generated in this manner from the loan data storage unit 12 at the timing specified by the person in charge and outputs it via the output device 7.

[0062] (Automatic calculation of early repayment fees) Figure 4 is a schematic diagram showing the operation overview of the automatic calculation of prepayment fees in the business support device 1 of the embodiment. In the business support device of the embodiment, as shown in Figure 4, the partial prepayment fee rate, partial prepayment fee, early completion fee rate, and early completion fee are set for each repayment pattern corresponding to the product characteristics of each loan product in the repayment pattern master table 11, as shown in Figure 2. Note that either the fee rate or the fee may be set.

[0063] When a customer requests a loan (application), the person in charge specifies the display of the contract input screen via the input device 6. The output control unit 26 then displays the contract input screen shown in Figure 5 via the output device 7. On this contract input screen shown in Figure 5, the person in charge inputs contract details such as the contract number, the product code of the loan product, the loan product name, and the repayment pattern code.

[0064] Figure 5 shows an example where the contract number "KY-0" is automatically assigned by the data generation unit 21, and a loan product with product code "S10" is contracted with the customer. Figure 5 also shows an example where the repayment pattern code for the "HPC-1" repayment pattern corresponding to the product characteristics of the card loan is set by referring to the repayment pattern master table 11 shown in Figure 2 based on the product characteristics of the card loan contracted with the customer.

[0065] Once the contract details are entered and the person in charge presses the execute button, the data generation unit 21 generates loan data as exemplified in Figure 6 based on the contract details entered via the contract input screen and stores it in the loan data storage unit 12.

[0066] The loan data shown in Figure 6 includes the contract number, product code, and repayment pattern code corresponding to the contract details described above. This example shows a case where the repayment pattern code "HPC-1" is set as the repayment pattern code. Therefore, as shown in Figure 2, if a customer makes a partial prepayment, the prepayment fee is calculated using a partial prepayment fee rate of "5%". Also, if the customer makes an early full repayment, the prepayment fee is calculated using a full repayment fee rate of "3%".

[0067] (Calculation process for early repayment fees in the case of early repayment) Here, let's assume that, as shown in Figure 7(a), the customer has paid 800,000 yen (additional amount for early repayment) and the loan has been repaid early. In this case, the person in charge enters the additional amount of "800,000 yen" for early repayment into the contract input screen mentioned above, specifies the early repayment category as "early repayment," and operates the automatic calculation button.

[0068] When this automatic calculation button is pressed, the detection unit 22 detects the repayment pattern code "HPC-1" set in the loan data shown in Figure 6.

[0069] The acquisition unit 23 refers to the repayment pattern master table 11 shown in Figure 2, based on the repayment pattern code "HPC-1" and the early repayment category "early repayment". Then, it acquires an early repayment fee rate of "3%" as the early repayment fee rate for early repayment of the repayment pattern code "HPC-1".

[0070] The calculation unit 24 calculates an early repayment fee of "24,000 yen" as shown in Figure 7(b) by multiplying the acquired early repayment fee rate of "3%" by the amount of the early repayment addition of "800,000 yen" that was repaid early.

[0071] Early repayment fee = Early repayment additional amount of 800,000 yen × Early completion fee rate of 3% = 24,000 yen

[0072] The update processing unit 25 updates the prepayment fee in the loan data with the calculated prepayment fee of "24,000 yen," as shown in Figure 8.

[0073] (Calculation process for prepayment fees in the case of partial prepayment) In contrast, as shown in Figure 9(a), suppose a customer has paid 500,000 yen (additional amount for early repayment) as a partial early repayment. In this case, the person in charge enters the additional amount of "500,000 yen" for early repayment into the contract input screen mentioned above, specifies the early repayment category as "partial early repayment," and operates the automatic calculation button.

[0074] When this automatic calculation button is pressed, the detection unit 22 detects the repayment pattern code "HPC-1" set in the loan data shown in Figure 6.

[0075] The acquisition unit 23 refers to the repayment pattern master table 11 shown in Figure 2, based on the repayment pattern code "HPC-1" and the prepayment category "partial prepayment". Then, it acquires a partial prepayment fee rate of "5%" as the partial prepayment fee rate for partial prepayment of the repayment pattern code "HPC-1".

[0076] The calculation unit 24 calculates an early repayment fee of "25,000 yen" as shown in Figure 9(b) by multiplying the acquired partial early repayment fee rate of "5%" by the early repayment amount of "800,000 yen" that was repaid early.

[0077] Early repayment fee = Early repayment amount of 500,000 yen × Partial early repayment fee rate of 5% = 25,000 yen

[0078] The update processing unit 25 updates the prepayment fee in the loan data shown in Figure 10 with the calculated prepayment fee of "25,000 yen".

[0079] In the example above, the fee rates corresponding to early repayment or partial prepayment were obtained from the repayment pattern master table 11. However, if an early repayment fee or partial repayment fee, which are fixed amounts at the time of early repayment or partial prepayment, is obtained, as in the repayment patterns "HPC-3" or "HPC-4", the update processing unit 25 updates the prepayment fee in the loan data with the obtained early repayment fee or partial repayment fee.

[0080] In other words, in this case, the prepayment fee is not calculated, and the early repayment fee or partial repayment fee obtained from the repayment pattern master table 11 becomes the prepayment fee.

[0081] (Data output format) The output control unit 26 reads the loan data generated in this manner from the loan data storage unit 12 at the timing specified by the person in charge and outputs it via the output device 7.

[0082] For example, the output device 7 can be a display device, a printing device, or a speaker device. The output control unit 26 converts transaction data, etc., into display information, print information, or audio information and supplies it to the corresponding device. This makes it possible to obtain display output, print output, or audio output of transaction data, etc. Alternatively, the output device 7 may be the storage unit 2 or an external storage device. Furthermore, the communication control unit 27 may output transaction data, etc., to a server device on the network 50 for storage.

[0083] (Effects of the embodiment) As is clear from the above description, the business support device 1 of the embodiment selects a repayment pattern corresponding to the product characteristics (repayment pattern) of the loan product contracted by the customer and stores (adds) it to the contract data. Then, when an early repayment occurs, it calculates an early repayment fee by multiplying the early repayment amount (additional amount) by the fee rate according to the set repayment pattern, or uses a fixed early repayment fee.

[0084] This allows for the quick and accurate calculation of prepayment fees without burdening the staff. Consequently, it is possible to shorten the time required to calculate prepayment fees and prevent calculation errors.

[0085] [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.

[0086] Furthermore, this invention can contribute to reducing waste and promoting paperless and electronic processes, thereby contributing to SDGs Goals 12, 13, and 15.

[0087] Furthermore, this invention can contribute to strengthening control and governance, and therefore can contribute to achieving the 16 goals of the SDGs.

[0088] [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.

[0089] 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.

[0090] 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.

[0091] 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.

[0092] 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.

[0093] 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.

[0094] 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.

[0095] 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.

[0096] 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.

[0097] 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.

[0098] 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.

[0099] 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.

[0100] 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.

[0101] 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]

[0102] This invention is particularly suitable for use in the financial industry for calculating prepayment fees when the repayment terms of loan products are changed. [Explanation of Symbols]

[0103] 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. Repayment Pattern Master Table 12 Loan data storage unit 21 Data Generation Unit 22 Detection unit 23 Acquisition Department 24 Calculation Section 25 Update Processing Unit 26 Output control unit 27 Communication Control Unit 50 Networks 51 Customer terminal device 52 Bank terminal equipment

Claims

1. In loan operations where loan funds are provided to customers and repayment amounts are collected for each installment period divided into multiple periods, a business support device assists in the calculation of prepayment fees when prepayment is made. When a partial prepayment is made by the aforementioned customer, a detection unit detects a repayment pattern code of the repayment pattern that indicates the product characteristics of the loan product contracted by the aforementioned customer, which is included in the customer's loan data. An acquisition unit refers to a repayment pattern master table in which the partial prepayment fee rate and the partial prepayment fee, which is a fixed amount, are set for each of the aforementioned repayment pattern codes, and acquires the partial prepayment fee rate or the partial prepayment fee corresponding to the repayment pattern code detected by the detection unit. A calculation unit calculates an amount obtained by multiplying the amount of partial prepayment made by the customer by the partial prepayment fee rate as the prepayment fee, If the repayment pattern code detected from the customer's loan data has the partial prepayment fee rate set, the update processing unit updates the prepayment fee included in the customer's loan data with the prepayment fee calculated by the calculation unit, and if the repayment pattern code detected from the customer's loan data has a fixed amount set for the partial prepayment fee, the update processing unit updates the prepayment fee included in the customer's loan data with the partial prepayment fee, A business support device having the following features.

2. When the customer makes an early repayment, the detection unit detects the repayment pattern code of the repayment pattern that indicates the product characteristics of the loan product contracted by the customer, which is included in the customer's loan data. The aforementioned repayment pattern master table contains the early repayment fee rate and a fixed early repayment fee for each of the aforementioned repayment pattern codes. The acquisition unit refers to the repayment pattern master table and acquires the early repayment fee rate or the early repayment fee corresponding to the repayment pattern code detected by the detection unit. The calculation unit calculates an amount obtained by multiplying the amount of early repayment received from the customer by the early repayment fee rate as an early repayment fee. The update processing unit updates the early repayment fee included in the customer's loan data with the early repayment fee calculated by the calculation unit if the early repayment fee rate is set in the repayment pattern code detected from the customer's loan data, and updates the early repayment fee included in the customer's loan data with the early repayment fee if the early repayment fee is a fixed amount set in the repayment pattern code detected from the customer's loan data. The business support device according to claim 1, characterized by the following:

3. In loan operations where loan funds are provided to customers and the repayment period is divided into multiple installments, with repayment amounts collected for each installment period, a business support method is performed by a business support device that assists in the calculation of prepayment fees when prepayment is made. The detection unit performs a detection step in which, when a partial prepayment is made by the customer, it detects a repayment pattern code of a repayment pattern that indicates the product characteristics of the loan product contracted by the customer, which is included in the customer's loan data. The acquisition step involves the acquisition unit referring to a repayment pattern master table in which the partial prepayment fee rate and the partial prepayment fee, which is a fixed amount, are set for each of the aforementioned repayment pattern codes, and acquiring the partial prepayment fee rate or the partial prepayment fee corresponding to the repayment pattern code detected in the detection step, The calculation unit performs a calculation step in which it calculates an amount obtained by multiplying the amount of partial prepayment made by the customer by the partial prepayment fee rate as the prepayment fee, The update processing unit updates the prepayment fee included in the customer's loan data with the prepayment fee calculated in the calculation step if the repayment pattern code detected from the customer's loan data has the prepayment fee rate set in the calculation step, and updates the prepayment fee included in the customer's loan data with the prepayment fee if the repayment pattern code detected from the customer's loan data has a fixed amount set in the prepayment fee, A business support method that has the following characteristics.

4. In loan operations, where loan funds are provided to customers and repayment amounts are collected for each of the multiple installment periods, a business support program is provided to operate a computer in a business support device that assists in the calculation of prepayment fees when prepayment is made. The aforementioned computer, When a partial prepayment is made by the aforementioned customer, a detection unit detects a repayment pattern code of the repayment pattern that indicates the product characteristics of the loan product contracted by the aforementioned customer, which is included in the customer's loan data. An acquisition unit refers to a repayment pattern master table in which the partial prepayment fee rate and the partial prepayment fee, which is a fixed amount, are set for each of the aforementioned repayment pattern codes, and acquires the partial prepayment fee rate or the partial prepayment fee corresponding to the repayment pattern code detected by the detection unit. A calculation unit calculates an amount obtained by multiplying the amount of partial prepayment made by the customer by the partial prepayment fee rate as the prepayment fee, If the repayment pattern code detected from the customer's loan data has the partial prepayment fee rate set, the update processing unit updates the prepayment fee included in the customer's loan data with the prepayment fee calculated by the calculation unit. If the repayment pattern code detected from the customer's loan data has a fixed amount set for the partial prepayment fee, the update processing unit updates the prepayment fee included in the customer's loan data with the partial prepayment fee. A business support program designed to function as such.

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