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

Abstract

To provide a fee computation device, fee computation method, and fee computation program, which enable computation of return fees, even in the case of two lump-sum residual value method, using the same service flow as handling of the conventional residual value setting method.SOLUTION: A fee computation device according to an embodiment is configured to compute a return fee for an unexpired period on the basis of repayment schedule data, collection history data, a deferment fee, the deferred number of months, first repayment date, transaction date, and completion date.SELECTED DRAWING: Figure 1

Description

[Technical field]

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

[0002] In installment sales, when paying off the loan early, it is necessary to return the fee for the remaining repayment period (hereinafter, simply referred to as "return fee"). For example, Patent Document 1 discloses a technology in which, when the residual value setting credit based on the amount obtained by deducting the residual value at the end of the residual value setting period from the sales price is changed in the purchase of an automobile or expensive electrical appliance, the amount after deducting the residual value calculated using the residual value one year later is reduced by including the fee. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2019-153215 A Summary of the Invention [Problem to be solved by the invention]

[0004] Incidentally, as in the above-mentioned Patent Document 1, in the case of residual value setting (residual value setting method) where there are monthly repayments from the first payment to the final payment (residual value), the fee is allocated proportionally in advance to the monthly repayment schedule and managed. Therefore, the residual value setting method makes it easy to calculate the refund fee by adding up the fees for the unpaid months.

[0005] However, in a payment method in which there are no monthly repayments between the first payment and the final payment (residual value) (hereinafter referred to simply as the "residual value lump sum method"), since there are no monthly repayments, it is not possible to calculate the return fee using the method described above for the residual value setting method, and the return fee must be calculated manually each time. As a result, the residual value lump sum method has the problem that it cannot be managed using the same business flow as the conventional residual value setting method.

[0006] The present invention has been made in consideration of the above, and aims to provide a fee calculation device, a fee calculation method, and a fee calculation program that can calculate return fees even when using the two-lump residual value method, while maintaining the same business flow as when handling the conventional residual value setting method. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, the fee calculation device according to the present invention is a fee calculation device having a control unit, and includes a fee rate master in which a fee rate code is associated with a fixed fee rate code, a number of payments, and a fee rate, a member store rate pattern master in which an affiliate point code, a rate pattern, a fixed fee rate code, and a number of months of deferral are associated with each other, application time account loan data in which a bond number is associated with an affiliate store code, a fee pattern, a number of payments, a base price, a down payment, a fixed principal, a first repayment year and month, and a fixed fee, and The control unit is capable of accessing a rate master, the affiliated store-specific rate pattern master, and repayment schedule data generated based on the application-time account lending data, which matches the final repayment date, principal payment amount, and fee payment amount, account transaction data, and collection history data which matches the fee payment amount with the transaction date, and the control unit is characterized by having a calculation unit that calculates the return fee for the unexpired period based on the repayment schedule data, the collection history data, the deferred fee, the number of deferred months, the first repayment date, the transaction date, and the full repayment date.

[0008] Furthermore, the fee calculation method according to the present invention is a fee calculation method executed by a fee calculation device having a control unit, and includes a fee rate master in which a fee rate code is associated with a fixed fee rate code, a number of payments, and a fee rate; a member store rate pattern master in which an affiliated store code, a rate pattern, a fixed fee rate code, and a number of months of deferral are associated with each other; application time account loan data in which a bond number is associated with an affiliated store code, a fee pattern, a number of payments, a base price, a down payment, a fixed principal, a first repayment year and month, and a fixed fee; the control unit has access to the member store-specific rate pattern master, repayment schedule data that associates the final repayment date, the principal payment amount, and the fee payment amount, which are generated based on the application time account loan data, and collection history data that associates the fee payment amount with the transaction date, and the control unit has a calculation step that calculates a return fee for the unexpired period based on the repayment schedule data, the collection history data, the deferred fee, the number of deferred months, the first repayment date, the transaction date, and the full repayment date.

[0009] Furthermore, the fee calculation program according to the present invention is a fee calculation program to be executed by a fee calculation device having a control unit, and includes: a fee rate master in which a fee rate code is associated with a fixed fee rate code, a number of payments, and a fee rate; a member store-specific rate pattern master in which an affiliated store code, a rate pattern, a fixed fee rate code, and a number of months of deferral are associated with each other; application time account loan data in which a bond number is associated with an affiliated store code, a fee pattern, a number of payments, a base price, a down payment, a fixed principal, a first repayment date, and a fixed fee; and the fee rate master. The system is capable of accessing the member store-specific rate pattern master, and repayment schedule data generated based on the application account loan data, which associates the final repayment date, principal payment amount, and fee payment amount, and collection history data which associates the fee payment amount with the transaction date, and is characterized by including a calculation step executed by the control unit to cause the control unit to execute the calculation, for calculating a return fee for the unexpired period based on the repayment schedule data, the collection history data, the deferred fee, the number of deferred months, the first repayment date, the transaction date, and the date of full repayment. Effect of the Invention

[0010] According to the present invention, it is possible to calculate the refund fee even in the case of the residual value two-lump method while maintaining the same business flow as that for the conventional residual value setting method. [Brief description of the drawings]

[0011] [Figure 1] FIG. 1 is a schematic diagram showing an overview in a block diagram of an example of a configuration of a fee calculation device according to an embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of a commission rate master table in the commission rate master of the commission calculation device according to the embodiment. [Diagram 3] FIG. 3 is a diagram showing an example of an affiliated store rate pattern master table in the affiliated store rate pattern master of the fee calculation device according to the embodiment. [Figure 4]FIG. 4 is a diagram showing an example of an account credit data table in the account credit data at the time of application of the fee calculation device according to the embodiment. [Diagram 5] FIG. 5 is a diagram showing an example of a repayment schedule data table in the repayment schedule data of the fee calculation device according to the embodiment. [Figure 6] FIG. 6 is a diagram showing an example of an account transaction data table in the account transaction data of the fee calculation device according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of a collection record data table in the collection record data of the fee calculation device according to the embodiment. [Figure 8] FIG. 8 is a diagram for explaining the outline of early repayment using the residual value lump sum method. [Figure 9] FIG. 9 is a diagram for explaining an outline of a method for calculating a refund fee by the fee calculation device according to an embodiment. [Figure 10] FIG. 10 is a flowchart showing an outline of the process executed by the fee calculation device according to the embodiment. [Figure 11] FIG. 11 is a diagram for explaining an outline of the application input process. [Figure 12] FIG. 12 is a diagram for explaining an outline of the deposit process. [Figure 13] FIG. 13 is a diagram showing an example of a display screen that the output control unit causes to be displayed on the monitor when a bond inquiry is made. [Figure 14] FIG. 14 is a diagram showing another example of a display screen that the output control unit causes to be displayed on the monitor when a bond inquiry is made. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] Hereinafter, embodiments of a fee calculation device, a fee calculation method, and a fee calculation program according to the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to the embodiments.

[0013] [1. Configuration] An example of the configuration of a fee calculation device according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a schematic diagram showing an overview in a block diagram of an example of the configuration of a fee calculation device.

[0014] The fee calculation device 100 shown in Fig. 1 is a commercially available desktop personal computer. Note that the fee calculation device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable information processing device such as a commercially available notebook personal computer, a PDA (Personal Digital Assistant), a smartphone, or a tablet personal computer.

[0015] The fee calculation device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. The units included in the fee calculation device 100 are connected to each other so as to be able to communicate with each other via any communication path.

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

[0017] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that cooperates with a mouse to realize a pointing device function. In the following, the output device 114 may be referred to as the monitor 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0018] The memory unit 106 stores various databases, tables, files, etc. The memory unit 106 records computer programs for cooperating with an OS (Operating System) to give instructions to a CPU (Central Processing Unit) to perform various processes. For example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used as the memory unit 106. The memory unit 106 stores a commission rate master 106a, a member store-specific commission rate pattern master 106b, application account loan data 106c, repayment schedule data 106d, account transaction data 106e, and collection performance data 106f.

[0019] The commission rate master 106a stores a commission rate code, a fixed commission rate code, the number of payments, and a commission rate in association with each other.

[0020] Fig. 2 is a diagram showing an example of a commission rate master table in the commission rate master 106a. In the first row of the commission rate master table T1 shown in Fig. 2, a commission rate code "4: fixed commission rate", a fixed commission rate code "001: residual value 2 lump sum 3 year fixed", a payment frequency "2", and a commission rate "3.9%" are stored in association with each other.

[0021] The affiliated store-specific rate pattern master 106b stores an affiliated store code, a rate pattern, a deferred commission rate code, and a deferred commission number of months in association with each other.

[0022] Fig. 3 is a diagram showing an example of an affiliated store rate pattern master table in the affiliated store rate pattern master 106b. The first row of the affiliated store rate pattern master table T2 shown in Fig. 3 stores an affiliated store code "A001: XX sales store", a rate pattern "1001: residual value 2 lump sum repayment (3-year grace period)", a grace period fee rate code "001: residual value 2 lump sum 3-year grace period", a residual value 2 lump sum repayment FLG "True", and a grace period number "34" in association with each other.

[0023] The application time account loan data 106c stores the bond number (bond number) in association with the affiliated store code, fee pattern, number of payments, base price, down payment, deferred principal, first repayment date, and deferred fee.

[0024] 4 is a diagram showing an example of an application time account loan data table in the application time account loan data 106c. In the first row of the application time account loan data table T3 shown in FIG. 4, the bond No. (bond number) "100-0", the affiliated store code "A001: ○○ dealer", the rate pattern "1001: residual value 2 lump sum repayment (3 years grace period)", the number of payments "2", the main price "1,400,000", the down payment "650,000", the grace period principal "750,000", the first repayment date "2021 / 8", and the grace period fee "87,750" are stored in association with each other. The fixed fee is calculated by multiplying the fixed principal amount (750,000) by the annual rate in the fee rate master 106a (in the case of Figure 2, (3.9%) / 12) and the fixed period (34+2 (including the first and final installments)) (750,000 x ((0.039) / 12)) x (34+2) = 87,750.

[0025] The repayment schedule data 106d stores the final repayment date, principal payment amount, and fee payment amount in association with each other, which are generated based on the fee rate master 106a, the affiliated store rate pattern master 106b, and the application time account credit data 106c.

[0026] FIG. 5 is a diagram showing an example of a repayment schedule data table in the repayment schedule data 106d. The repayment schedule data table T4 shown in FIG. 5 is expanded with two payments due to the residual value being paid in two lump sums (3-year grace period). Specifically, the first row of the repayment schedule data table T4 stores in association with the repayment SEQ "1", the scheduled payment date "2021 / 8", the scheduled payment date "2021 / 8 / 27", the total payment amount "87,750" which is the grace period fee, the principal payment amount "0", the fee payment amount "87,750", and the total balance after payment "750,000". Furthermore, the second row of the repayment schedule data table T4 corresponds and stores the repayment SEQ "2", the scheduled payment date "2024 / 7", which is the final repayment date, the scheduled payment date "2024 / 7 / 27", the total payment amount "750,000", the principal payment amount "750,000", the fee payment amount "0", and the total balance after payment "0".

[0027] The account transaction data 106e stores the bond number (bond number), the transaction date, the full payment category, the transaction amount, and the balance in association with each other.

[0028] Figure 6 is a diagram showing an example of an account transaction data table in the account transaction data 106e. In the account transaction data table T5 shown in Figure 6, the bond number (bond No.) "100-0" is stored in association with the transaction date "2021 / 7 / 20", the full repayment classification "100: in transaction", the transaction amount "837,750" (deferred principal (750,000) + deferred fee (87,750)), and the balance "837,750" (deferred principal (750,000) + deferred fee (87,750)).

[0029] The collection performance data 106f stores, on a transaction date, a repayment SEQ, a total payment amount, a principal payment amount, and a fee payment amount in association with each other.

[0030] 7 is a diagram showing an example of a collection record data table in the collection record data 106f. In the collection record data table T6 shown in FIG. 7, the repayment SEG "1" is stored in association with the transaction date "2022 / 7 / 20", the total payment amount "87,750", the principal payment amount "0", and the fee payment amount "87,750".

[0031] Returning to FIG. 1, the description of the configuration of the fee calculation device 100 will be continued. The control unit 102 is a CPU or the like that comprehensively controls the fee calculation device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processes based on these stored programs. The control unit 102 includes an application input processing unit 102a, a payment execution unit 102b, a deposit processing unit 102c, a calculation unit 102d, and an output control unit 102e.

[0032] The application input processing unit 102a acquires application time account credit data 106c corresponding to the application information input via the input device 112, and executes application input processing to generate repayment schedule data 106d by referring to the commission rate master 106a and the affiliated store-specific commission rate pattern master 106b.

[0033] The advance payment execution unit 102b executes an advance payment execution process for generating account transaction data for indicating an advance payment completed state based on the application information.

[0034] The deposit processing unit 102c executes a deposit process for creating collection performance data when the first repayment amount (deferred fee) is input.

[0035] The calculation unit 102d calculates the return fee for the unexpired period based on the repayment schedule data 106d, the collection performance data 106f, the deferred fee included in the application account loan data 106c, the number of deferred months included in the affiliated store rate pattern master 106b, the year and month of the first repayment, the transaction date and the year and month of full repayment included in the collection performance data 106f.

[0036] When there is a claim inquiry (early payment inquiry) from the user via the input device 112, the output control unit 102e causes the monitor 114 to display a claim inquiry screen.

[0037] [2. Overview of early repayment under the residual value two-part method] Next, an overview of early payment under the residual value two-lump method will be described. Figure 8 is a diagram for explaining the overview of early payment under the residual value two-lump method.

[0038] As shown in Fig. 8, a debtor (hereinafter simply referred to as "debtor") who purchases a product (e.g., an automobile) using the residual value two-lump method first creates application information and submits an application at a specific dealer. In this case, the debtor inputs the application information to the fee calculation device 100 and causes the fee calculation device 100 to develop a repayment schedule.

[0039] Thereafter, the creditor uses the fee calculation device 100 to record the payment as having been paid on behalf of the creditor based on the application information.

[0040] Next, the debtor pays the down payment and the deferred fee in the first payment. As shown in Figure 8, since the debtor is using the residual value two-pack method, there is no repayment (principal, fee) from the second to the final payment, and the debtor pays the residual value in the final payment. During this period, as shown in Figure 8, if the debtor pays off the residual value early on the way to the final payment, and the day after the debtor pays off the residual value early is the mth payment, the creditor will incur a return fee according to the calculation period from the mth payment to the final payment that has not yet elapsed.

[0041] Fig. 9 is a diagram for explaining a schematic overview of a method for calculating a refund fee by the fee calculation device 100. In Fig. 9, the vertical axis indicates the total number of payments n, and the horizontal axis indicates the number of repayments. Furthermore, Fig. 9 shows the m-th fee amount for a loan with a total number of payments n when the 78-division method is used.

[0042] In the case of the residual value 2 lump sum method, the payment is made in two installments, as compared to the conventional residual payment method. Therefore, the fee calculation device 100 calculates the return fee for the mth time by the following formula (1), assuming that the value obtained by adding 1 to the number of grace months (number of grace months + 1) is n, and the difference in months from the first repayment date to the early repayment date is m.

number

[0043] 3. Processing Executed by Fee Calculation Device 100 Next, a description will be given of the processing executed by the fee calculation device 100. FIG 10 is a flowchart showing an outline of the processing executed by the fee calculation device 100.

[0044] As shown in FIG. 10, first, the application input processing unit 102a acquires the application time account credit data 106c corresponding to the application information input via the input device 112, and executes the application input process to generate the repayment schedule data 106d by referring to the commission rate master 106a and the affiliated store rate pattern master 106b (step S101). FIG. 11 is a diagram for explaining the outline of the application input process. As shown in FIG. 11, the application input processing unit 102a acquires the application time account credit data table T3 from the application time account credit data 106c corresponding to the application information input via the input device 112, and generates (expands) the repayment schedule data table T4 by referring to the commission rate master table T1 and the affiliated store rate pattern master table T2.

[0045] Next, the advance payment execution unit 102b executes an advance payment execution process to generate account transaction data that indicates an advance payment completed state based on the application information (step S102). Specifically, the account transaction data table T5 shown in FIG. 6 is generated and the advance payment completed state is displayed.

[0046] Thereafter, when the first repayment (deferred fee) is input, the deposit processing unit 102c executes a deposit process to create collection performance data (step S103). Figure 12 is a diagram for explaining an overview of the deposit process. As shown in Figure 12, when the first repayment (deferred fee) is input, the deposit processing unit 102c refers to the account transaction data table T11, which is the account transaction data 106e, and the repayment schedule data table T4, which is the repayment schedule data 106d, to create the collection performance data table T6, which is the collection performance data 106f.

[0047] Next, the calculation unit 102d executes early repayment processing to calculate the return fee for the unexpired period based on the repayment schedule data 106d, the collection performance data 106f, the deferred fee (87,750) included in the application account loan data 106c, the number of deferred months (34) included in the affiliated store rate pattern master 106b, the date of the first repayment (August 2021), the transaction date (July 2022) and the date of full repayment (July 2022) included in the collection performance data 106f. Specifically, the calculation unit 102d calculates the return fee by substituting the deferred fee (87,750), the number of deferred months (34) included in the affiliated store rate pattern master 106b, the first repayment date (August 2021), the transaction date (July 2022) and the full repayment date (July 2022) included in the collection performance data 106f into the above-mentioned formula (1) as shown in formula (2). Note that in formula (2), n = (34 + 1) and m = 12 (August 2021 - July 2022 = 12).

number

[0048] [4. Overview of claims inquiries (early repayment inquiries)] Next, a display screen that the output control unit 102e causes the monitor 114 to display when there is a claim inquiry (early payment inquiry) will be described. Fig. 13 is a diagram showing an example of a display screen that the output control unit 102e causes the monitor 114 to display when there is a claim inquiry (early payment inquiry).

[0049] As shown in FIG. 13, when there is a bond inquiry (inquiry about early payment) from the user via the input device 112, the output control unit 102e causes the monitor 114 to display a bond inquiry screen P1.

[0050] 13 includes at least a claim number input form B1 in which the user can input a claim number (claim number) using the input device 112, a scheduled payment date input form B2 in which the user can input a scheduled payment date, and a provisional amount input form B3 in which the provisional deposit amount, which is the amount expected to be deposited until early full payment, can be input. Furthermore, the claim inquiry screen P1 includes at least a display area B4 in which the unearned fee (return fee) is displayed according to the claim number, a display area B5 in which the current amount billed is displayed, and a calculation icon A1 for receiving input of an instruction signal for calculating the return fee.

[0051] When the user operates the input device 112 to enter the claim number "100-0" in the claim number input form B1 on the claim inquiry screen P1, "7 / 27 / 2022" in the scheduled payment date input form B2, and "0" in the provisional amount input form B3, and presses the calculation icon A1, the output control unit 102e will display the unearned fee calculated by the calculation unit 102d as "38,443" in the display area B4 and the current amount billed as "750,0000 (fixed principal) - 38,443 (return fee) = 711,557 (amount billed)" in the display area B5, as shown in Figure 14.

[0052] This allows users to know the return fee when they receive an inquiry about a claim, even when using the two-lump residual value method, while still maintaining the same business flow as when handling the conventional residual value setting method.

[0053] According to the embodiment described above, it is possible to calculate the refund fee even in the case of the two-lump residual value method, while maintaining the same business flow as that for the conventional residual value setting method.

[0054] Furthermore, according to the embodiment, the calculation unit 102d calculates the return fee using the 78 division method, so that an accurate return fee can be calculated, and manual errors can be prevented.

[0055] Furthermore, according to the embodiment, the calculation unit 102d calculates the amount to be claimed by subtracting the refund fee from the deferred principal amount, so that the amount to be claimed minus the refund fee can be easily grasped.

[0056] Furthermore, according to the embodiment, the output control unit 102e outputs the return fee and the amount claimed to the monitor 114, so that the user can intuitively grasp the return fee and the amount claimed.

[0057] [5. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to goals 8 and 9 of the SDGs.

[0058] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0059] Furthermore, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

[0060] 6. Other embodiments The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0061] For example, among the processes described in the embodiments, 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 using known methods.

[0062] In addition, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings may be changed as desired unless otherwise specified.

[0063] Moreover, with regard to the fee calculation device 100, each of the components shown in the figures is merely a functional concept, and the device does not necessarily have to be physically configured as shown in the figures.

[0064] For example, the processing functions of the fee calculation device 100, particularly the processing functions performed by the control unit, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded in a non-transient computer-readable recording medium that includes programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the fee calculation device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into a RAM, and constitutes the control unit in cooperation with the CPU.

[0065] In addition, this computer program may be stored in an application program server connected to the fee calculation device 100 via any network, and it is also possible to download all or a part of it as necessary.

[0066] In addition, the program for executing the process described in this embodiment may be stored in a non-transient computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) Disc.

[0067] Moreover, a "program" is a data processing method written in any language or description method, and may be in any form, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration as multiple modules or libraries, and a program that works with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, may use well-known configurations and procedures.

[0068] The various databases etc. stored in the memory unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files etc. used for various processes and providing websites.

[0069] The fee calculation device 100 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as the information processing device to which any peripheral device is connected. The fee calculation device 100 may be realized by installing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

[0070] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be functionally or physically distributed and integrated in any unit according to various additions or functional loads. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively. [Industrial Applicability]

[0071] The present invention is useful in the non-bank financial industry, etc., where early repayment is possible in installment sales. [Explanation of symbols]

[0072] 100 Commission calculation device 102 Control section 102a Application input processing unit 102b Advance Payment Department 102c Deposit Processing Unit 102d Calculation section 102e Output control section 104 Communication interface section 106 Storage section 106a Commission Master 106b Member store fee pattern master 106c Application Account Loan Data 106d Repayment schedule data 106e Account Transaction Data 106f Recovery performance data 108 Input / Output Interface Section 112 Input Devices 114 Output Device 200 Servers 300 Network

Claims

1. A fee calculation device including a control unit, The control unit a commission rate master in which a commission rate code is associated with a fixed commission rate code, a payment count, and a commission rate; a member store rate pattern master that associates a member point code, a rate pattern, a fixed fee rate code, and a fixed fee month number; application account loan data in which the bond number is associated with the affiliated store code, fee pattern, number of payments, unit price, down payment, deferred principal, first repayment date, and deferred fee; repayment schedule data that associates the final repayment date, principal payment amount, and fee payment amount, which is generated based on the fee rate master, the member store fee pattern master, and the account loan data at the time of application; Account transaction data in which the credit number is associated with the transaction date, the full repayment category, the transaction amount, and the balance; Collection performance data associated with at least the fee payment amount on the transaction date; application account loan data in which the credit number is associated with the affiliated store code, fee pattern, number of payments, unit price, down payment, deferred principal, first repayment date, and deferred fee; It is configured to be accessible to The control unit a calculation unit that calculates a refund fee for an unexpired period based on the repayment schedule data, the collection performance data, the deferred payment fee included in the application account loan data, the number of deferred payment months included in the member store rate pattern master, the first repayment date included in the member store rate pattern master, the transaction date and the full repayment date included in the collection performance data, The calculation unit When the value obtained by adding 1 to the number of months of grace included in the member store-specific rate pattern master is n, and the difference in the number of months from the first repayment date to the early repayment date included in the member store-specific rate pattern master is m, the refund fee for the mth time is calculated as the refund fee by using the 78 division method as shown in the following formula (1): [Equation 1] A fee calculation device comprising:

2. 2. The fee calculation device according to claim 1, The calculation unit further calculating the claim amount by subtracting the return fee from the deferred principal amount; A fee calculation device comprising:

3. 3. The fee calculation device according to claim 2, The control unit further comprising an output control unit that outputs the refund fee and the amount claimed; A fee calculation device comprising:

4. A fee calculation method executed by a fee calculation device having a control unit, The control unit a commission rate master in which a commission rate code is associated with a fixed commission rate code, a payment count, and a commission rate; a member store rate pattern master that associates a member point code, a rate pattern, a fixed fee rate code, and a fixed fee month number; application account loan data in which the bond number is associated with the affiliated store code, fee pattern, number of payments, unit price, down payment, deferred principal, first repayment date, and deferred fee; repayment schedule data that associates the final repayment date, principal payment amount, and fee payment amount, which is generated based on the fee rate master, the member store fee pattern master, and the account loan data at the time of application; Account transaction data in which the credit number is associated with the transaction date, the full repayment category, the transaction amount, and the balance; Collection performance data associated with at least the fee payment amount on the transaction date; application account loan data in which the credit number is associated with the affiliated store code, fee pattern, number of payments, unit price, down payment, deferred principal, first repayment date, and deferred fee; It is configured to be accessible to Executed by the control unit, a calculation step of calculating a refund fee for an unexpired period based on the repayment schedule data, the collection performance data, the deferred payment fee included in the application account loan data, the number of deferred payment months included in the member store rate pattern master, the first repayment date included in the member store rate pattern master, the transaction date and the full repayment date included in the collection performance data, The calculation step When the value obtained by adding 1 to the number of months of grace included in the member store-specific rate pattern master is n, and the difference in the number of months from the first repayment date to the early repayment date included in the member store-specific rate pattern master is m, the refund fee for the mth time is calculated as the refund fee by using the 78 division method as shown in the following formula (1): [Equation 2] A fee calculation method characterized by:

5. A fee calculation program to be executed by a fee calculation device having a control unit, The control unit a commission rate master in which a commission rate code is associated with a fixed commission rate code, a payment count, and a commission rate; a member store rate pattern master that associates a member point code, a rate pattern, a fixed fee rate code, and a fixed fee month number; application account loan data in which the bond number is associated with the affiliated store code, fee pattern, number of payments, unit price, down payment, deferred principal, first repayment date, and deferred fee; repayment schedule data that associates the final repayment date, principal payment amount, and fee payment amount, which is generated based on the fee rate master, the member store fee pattern master, and the account loan data at the time of application; Account transaction data in which the credit number is associated with the transaction date, the full repayment category, the transaction amount, and the balance; Collection performance data associated with at least the fee payment amount on the transaction date; application account loan data in which the credit number is associated with the affiliated store code, fee pattern, number of payments, unit price, down payment, deferred principal, first repayment date, and deferred fee; It is configured to be accessible to To cause the control unit to execute Executed by the control unit, a calculation step of calculating a refund fee for an unexpired period based on the repayment schedule data, the collection performance data, the deferred payment fee included in the application account loan data, the number of deferred payment months included in the member store rate pattern master, the first repayment date included in the member store rate pattern master, the transaction date and the full repayment date included in the collection performance data, The calculation step When the value obtained by adding 1 to the number of months of grace included in the member store-specific rate pattern master is n, and the difference in the number of months from the first repayment date to the early repayment date included in the member store-specific rate pattern master is m, the refund fee for the mth time is calculated as the refund fee by using the 78 division method as shown in the following formula (1): [Equation 3] A fee calculation program characterized by:

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