Installment sales management device, installment sales management method, and installment sales management program

Abstract

To provide an installment sales management device, an installment sales management method, and an installment sales management program capable of automatically reusing data using previous examination in examination of a contract related to other installment sales when examination of an individual credit purchase mediation contract has failed.SOLUTION: When examination of an individual credit purchase mediation contract has failed, based on reception information and / or a rate pattern master, results of credit information renewal, results of re-inquiry of credit information to a credit information agency, and / or results of recalculation of an estimated payable amount are acquired about contracts related to installment sales other than the individual credit purchase mediation contracts, and based on the reception information, the renewal results, the re-inquiry results, and / or the recalculation results, results of examination of contracts related to installation sales other than the individual credit purchase mediation contracts are acquired.SELECTED DRAWING: Figure 7

Description

[Technical field]

[0001] The present invention relates to an installment sales management device, an installment sales management method, and an installment sales management program. [Background technology]

[0002] Patent Document 1 discloses a configuration for automatically determining whether or not a loan can be granted in screening a loan application for a customer. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2007-206982 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, the invention described in Patent Document 1 above does not have a function to automatically reuse the data used in the previous examination when it is determined that a reexamination is necessary, and so the reexamination had to be done manually. This meant that the reexamination took a long time, and there was a demand for an improvement in the speed of the examination.

[0005] The present invention has been made in consideration of the above-mentioned problems, and has as its object to provide an installment sales management device, an installment sales management method, and an installment sales management program which, when the screening of an individual credit purchase intermediation contract is failed, can automatically reuse data used in the previous screening in the screening of a contract related to other installment sales. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the object, the installment sales management device of the present invention is an installment sales management device equipped with a memory unit and a control unit, the memory unit comprises reception storage means for storing reception information including customer information and application information at the time of application for an individual credit purchase intermediation contract, and rate storage means for storing a rate pattern master that sets rate patterns including rates set for each product or service for contracts related to each installment sale, and the control unit comprises calculation result acquisition means for acquiring the results of credit information re-inquiry with a credit bureau and / or recalculation of expected payable amounts for contracts related to installment sales other than individual credit purchase intermediation contracts, based on the reception information and / or the rate pattern master, if the screening for the individual credit purchase intermediation contract is unsuccessful, and screening result acquisition means for acquiring the results of screening for contracts related to installment sales other than the individual credit purchase intermediation contract, based on the reception information, the re-inquiry results, and / or the recalculation results.

[0007] In the installment sales management device according to the present invention, the contract related to installment sales other than the individual credit purchase intermediation contract is a collection agency contract, a guarantee contract, or a collection guarantee contract.

[0008] In the installment sales management device according to the present invention, the result of the reconciliation of the credit information is calculated based on the rate pattern master.

[0009] In the installment sales management device according to the present invention, the result of the re-inquiry of the credit information is inquired to the credit information agency based on the rate pattern master.

[0010] In the installment sales management device according to the present invention, the recalculated result of the estimated payable amount is calculated based on the customer information, the application information and the re-inquiry result.

[0011] In the installment sales management device according to the present invention, the rates include an installment commission rate, a dealer commission rate, and / or a late payment penalty rate.

[0012] In the installment sales management device according to the present invention, the rate pattern master further contains a rate pattern for the next examination.

[0013] In the installment sales management device according to the present invention, the rate pattern master further includes a category of inquiry to the credit information agency.

[0014] Moreover, an installment sales management method according to the present invention is an installment sales management method to be executed by an installment sales management device equipped with a memory unit and a control unit, the memory unit comprising reception storage means for storing reception information including customer information and application information at the time of application for an individual credit purchase intermediation contract, and rate storage means for storing a rate pattern master which sets a rate pattern including rates set for each product or service for contracts related to each installment sale, and is executed by the control unit, comprising: a calculation result acquisition step of, if the screening of the individual credit purchase intermediation contract is unsuccessful, acquiring the results of credit information re-inquiry with a credit information agency, and / or the results of a recalculation of an expected payable amount for contracts related to installment sales other than the individual credit purchase intermediation contract based on the reception information and / or the rate pattern master; and an examination result acquisition step of acquiring the examination results for contracts related to installment sales other than the individual credit purchase intermediation contract based on the reception information, the re-inquiry results, the re-inquiry results, and / or the recalculation results.

[0015] Moreover, an installment sales management program according to the present invention is an installment sales management program to be executed by an installment sales management device equipped with a memory unit and a control unit, the memory unit comprising reception storage means for storing reception information including customer information and application information at the time of application for an individual credit purchase intermediation contract, and rate storage means for storing a rate pattern master that sets rate patterns including rates set for each product or service for contracts related to each installment sale, and the control unit is configured to execute the following calculation result acquisition step, if the screening for the individual credit purchase intermediation contract is unsuccessful, based on the reception information and / or the rate pattern master, to acquire the results of credit information re-inquiry with a credit information agency, and / or the results of recalculation of the expected payable amount for contracts related to installment sales other than the individual credit purchase intermediation contract, and an examination result acquisition step for acquiring the examination results for contracts related to installment sales other than the individual credit purchase intermediation contract, based on the reception information, the re-inquiry results, and / or the recalculation results. Effect of the Invention

[0016] According to the present invention, when a contract related to installment sales is reexamined, the rate pattern displayed as a candidate can be selected to automatically perform the process. In addition, according to the present invention, the rate pattern for the next examination set in the rate pattern master can be displayed as a candidate display, so that data can be reused and processing can be automated, and master setting for candidate display can be simplified. In addition, according to the present invention, when a contract related to installment sales is reexamined, the same acceptance application screen can be used even for an application for another business. In addition, according to the present invention, when a contract related to installment sales is reexamined, the information registered in the previous examination can be reused. In addition, according to the present invention, when a contract related to installment sales is reexamined, the setting of the other business proposed by the master setting can be selected to automatically input information that cannot be reused. In other words, according to the present invention, when an examination of an application for an individual credit purchase intermediation contract, which is the main business of the credit sales company, is rejected, the examination speed can be improved in the reexamination of another business that is desired to increase profits instead. In addition, the present invention has the effect of navigating automatic processing at the time of reexamination of multiple businesses in installment sales. In addition, the present invention has the effect of preventing opportunity loss, improving the closing rate and increasing the number of closed deals by minimizing the waiting time of customers at retail stores and not damaging the customers' willingness to buy. In addition, the present invention has the effect of not only reducing the labor required but also increasing the speed at credit companies, thereby increasing the number of transactions by increasing the number of accepted cases per unit time, and also capturing customers by directing them to other products. [Brief description of the drawings]

[0017] [Figure 1] FIG. 1 is a diagram showing an example of an installment sales business. [Diagram 2] FIG. 2 is a diagram showing an example of an installment sales business. [Diagram 3] FIG. 3 is a diagram showing an example of an installment sales business. [Figure 4] FIG. 4 is a diagram showing an example of an installment sales business. [Diagram 5] FIG. 5 is a diagram showing an outline of conventional installment sales management. [Figure 6] FIG. 6 is a diagram showing an overview of installment sales management in this embodiment. [Figure 7] FIG. 7 is a block diagram showing an example of the configuration of an installment sales management device in this embodiment. [Figure 8] FIG. 8 is a diagram showing an example of customer information in this embodiment. [Figure 9] FIG. 9 is a diagram showing an example of application information in this embodiment. [Figure 10] FIG. 10 is a diagram showing an example of a credit information inquiry result in this embodiment. [Figure 11] FIG. 11 is a diagram showing an example of payment prospect information in this embodiment. [Figure 12] FIG. 12 is a diagram showing an example of the rate pattern master in this embodiment. [Figure 13] FIG. 13 is a flowchart showing an example of the process of the installment sales management device in this embodiment. [Figure 14] FIG. 14 is a flow diagram showing an example of installment sales management processing in this embodiment. [Figure 15] FIG. 15 is a flow diagram showing an example of installment sales management processing in this embodiment. [Figure 16] FIG. 16 is a flow diagram showing an example of installment sales management processing in this embodiment. [Figure 17] FIG. 17 is a flow diagram showing an example of installment sales management processing in this embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0018] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the drawings. However, the present invention is not limited to the embodiment.

[0019] [1. Overview] First, an overview of the present invention will be described with reference to Fig. 1 to Fig. 6. Fig. 1 to Fig. 4 are diagrams showing an example of an installment sales business. Fig. 5 is a diagram showing an overview of conventional installment sales management. Fig. 6 is a diagram showing an overview of installment sales management in this embodiment.

[0020] Methods that enable consumers to pay in installments when purchasing high-priced goods or services include individual credit purchase brokerage businesses (see Figure 1), in which a credit company pays the retailer the price on behalf of the customer when the customer purchases the goods, etc., and the customer then makes installment payments to the credit company, and the retailer's own installment payments, in which the customer pays the retailer directly in installments.

[0021] Furthermore, the businesses conducted by credit companies come in a number of different business forms involving collection agency and guarantee. These include the collection agency business shown in Figure 2, in which, when a customer purchases goods, etc., the credit company collects a collection fee from the retailer and acts as a collection agency, and pays the collection amount to the retailer; the guarantee business shown in Figure 3, in which, when a customer purchases goods, etc., the credit company collects a guarantee fee from the retailer and provides a guarantee in the event of the customer's default, and the customer makes installment payments directly to the retailer; and the collection guarantee business shown in Figure 4, in which, when a customer purchases goods, etc., the credit company collects a guarantee fee from the retailer and provides a guarantee in the event of the customer's default, and also collects a collection fee from the retailer and acts as a collection agency, and pays the collection amount to the retailer.

[0022] As shown in Figure 5, in the screening of contracts related to conventional installment sales, if the screening for an individual credit purchase intermediation contract was failed in the initial screening, customer information, etc. was not automatically reused in the re-screening, so it was necessary to manually enter customer information and application information, just as in the previous screening, to check external credit information and recalculate the expected repayable amount.

[0023] Therefore, as shown in FIG. 6, in this embodiment, if the screening for an individual credit purchase intermediation contract is failed in the initial screening, customer information, etc. is automatically reused in the re-screening, so that external credit information can be inquired and the expected repayment amount can be quickly recalculated, providing a mechanism for improving the screening speed.

[0024] [2. Configuration] An example of the configuration of the installment sales management apparatus 100 according to this embodiment will be described with reference to Fig. 7 to Fig. 12. Fig. 7 is a block diagram showing an example of the configuration of the installment sales management apparatus 100 according to this embodiment.

[0025] As shown in Fig. 7, the installment sales management device 100 is a commercially available desktop personal computer. The installment sales management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but 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.

[0026] The installment sales management device 100 comprises a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. The units comprised in the installment sales management device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0027] The communication interface unit 104 communicably connects the installment sales management apparatus 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 installment sales management apparatus 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).

[0028] The storage unit 106 stores various databases, tables, files, etc. The storage 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 storage unit 106. The storage unit 106 includes a reception file 106a and a rate pattern master 106b.

[0029] The reception file 106a stores reception information at the time of application for an individual credit purchase intermediation contract. Here, the reception file 106a may store reception information including customer information and application information at the time of application for an individual credit purchase intermediation contract. Here, the customer information may include personal information and / or guarantor information, etc. Furthermore, the application information may include credit information, etc. Furthermore, the reception file 106a may store, corresponding to the reception information, the results of credit information revision, the results of credit information inquiries to a credit information agency, the results of credit information re-inquiries to a credit information agency, expected payment information including expected payment amount, the results of recalculation of expected payment amount, and / or the results of examination of contracts related to installment sales. Here, the expected payment information may store income information, debt information, living expenses information, and / or judgment result information, etc.

[0030] An example of reception information in this embodiment will now be described with reference to Fig. 8 and Fig. 9. Fig. 8 is a diagram showing an example of customer information in this embodiment. Fig. 9 is a diagram showing an example of application information in this embodiment.

[0031] As shown in Fig. 8, the reception information in this embodiment may include customer information including personal information including name in kana, name in kanji, date of birth, postal code, address in kanji, address in kanji, telephone number 1, telephone number 2, driver's license number, annual income, deposits, other income, debt balance, and / or monthly payment amount, and customer information including guarantor information including name in kana, name in kanji, date of birth, postal code, address in kanji, address in kanji, telephone number 1, telephone number 2, driver's license number, annual income, deposits, other income, debt balance, monthly payment amount, and / or relationship, etc. Also, as shown in Fig. 9, the reception information in this embodiment may include application information including credit information including dealer code, rate pattern code, credit principal (amount), commission rate, installment commission amount (= credit principal amount x commission rate), initial payment year and month, and / or bonus month, etc. Here, the commission rate is a setting item of the rate pattern master 106b, and the installment commission amount may be an item calculated from the setting items of the rate pattern master 106b.

[0032] Moreover, an example of an external credit information inquiry result in this embodiment will be described with reference to Fig. 10. Fig. 10 is a diagram showing an example of a credit information inquiry result in this embodiment.

[0033] 10, the external credit information inquiry result in this embodiment may include the inquiry category, the remaining balance, the annual billing amount, the change information, the late information, and / or the payment information, etc. Here, the inquiry category may be a setting item of the rate pattern master 106b.

[0034] Moreover, an example of payment prospect information in this embodiment will be described with reference to Fig. 11. Fig. 11 is a diagram showing an example of payment prospect information in this embodiment.

[0035] As shown in FIG. 11, the expected payment information in this embodiment may include income information including the individual's income, the individual's savings amount, spouse's income and / or spouse's savings amount, etc., living expenses information including living expenses, etc., debt information including the individual's annual claim amount and / or spouse's annual claim amount, etc., and / or assessment information including the expected payment amount, the current application annual payment amount, the payment reserve amount and / or the assessment result, etc.

[0036] Returning to FIG. 7, the rate pattern master 106b is a master that sets a rate pattern including a rate set for each product or service for a contract related to each installment sale. Here, the rate may include an installment commission rate, a dealer commission rate, and / or a late payment penalty rate. The rate pattern master 106b may also set a rate pattern for the next review. The rate pattern master 106b may also set an inquiry category for credit information agencies.

[0037] An example of the rate pattern master 106b in this embodiment will now be described with reference to Fig. 12. Fig. 12 is a diagram showing an example of the rate pattern master 106b in this embodiment.

[0038] As shown in FIG. 12, the rate pattern master 106b in this embodiment may have a dealer code, a rate pattern code, a rate name, a rate pattern code at the next review, an installment commission rate code, a dealer commission rate code, a late fee rate code, and / or an inquiry category set. Here, the rate pattern is generally determined for each purchased product or service content at the dealer, and when the purchased product or service content does not change at the time of re-examination, it is possible to assume the rate pattern at the next review from the rate pattern at the previous review. Since there is continuity between the business form at the previous review and the business form applied for at the time of re-examination due to the contract between the dealer and the credit company, and the rate pattern is determined to be one, the candidate can be set by setting the "rate pattern code at the next review" in the rate pattern master. In addition, since the candidate for the rate pattern at the next review is determined to be one due to the contract between the dealer and the credit company, multiple candidates are not necessary and are not a disadvantage. In addition, a next review rate pattern master may be created separately from the rate pattern master 106b, and multiple candidates may be set, in which case the next review rate pattern may be selectable from the multiple candidates. Also, the installment commission rate may vary depending on the number of installments (e.g., 12 installments).

[0039] Returning to FIG. 7, the input / output interface unit 108 is connected to an input device 112 and an output device 114. The output device 114 may be a monitor (including a touch panel), 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 or the printer 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0040] The control unit 102 is a CPU or the like that comprehensively controls the installment sales management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, and required data, and executes various information processing based on these stored programs. In terms of function and concept, the control unit 102 includes a reception acquisition unit 102a, a calculation result acquisition unit 102b, and an examination result acquisition unit 102c.

[0041] The reception acquisition unit 102a acquires reception information. Here, the reception acquisition unit 102a may register (store) the reception information in a reception file 106a.

[0042] The calculation result acquisition unit 102b acquires credit information, the result of credit information inquiry to the credit information agency, and / or the calculation result of the expected payable amount for a contract related to installment sales. Here, when the examination of the individual credit purchase intermediation contract is unsuccessful, the calculation result acquisition unit 102b may acquire the result of credit information re-request to the credit information agency, and / or the recalculation result of the expected payable amount for a contract related to installment sales other than the individual credit purchase intermediation contract based on the reception information and / or the rate pattern master 106b. Furthermore, a contract related to installment sales other than the individual credit purchase intermediation contract may be a collection agency contract, a guarantee contract, or a collection guarantee contract. Furthermore, the result of credit information re-request may be calculated based on the rate pattern master 106b. Furthermore, the result of credit information re-request may be inquired to the credit information agency based on the rate pattern master 106b. Furthermore, the recalculation result of the expected payable amount may be calculated based on the customer information, the application information, and the re-request result. Furthermore, the calculation result acquiring unit 102b may store the acquired information (associated with the reception information) in the reception file 106a.

[0043] The screening result acquisition unit 102c acquires screening results for contracts related to installment sales. Here, the screening result acquisition unit 102c may acquire screening results for contracts related to installment sales other than individual credit purchase intermediation contracts based on the reception information, reconciliation results, re-inquiry results, and / or recalculation results. The screening result acquisition unit 102c may also store the screening results (linked to the reception information) in the reception file 106a.

[0044] [3. Specific Examples] A specific example of this embodiment will be described with reference to FIGS.

[0045] [Installment sales management processing] An example of installment sales management processing in this embodiment will now be described with reference to Fig. 13. Fig. 13 is a flow chart showing an example of processing by the installment sales management apparatus 100 in this embodiment.

[0046] As shown in FIG. 13, if the screening (initial screening) of an individual credit purchase intermediation contract is unsuccessful, the reception and acquisition unit 102a determines whether or not a re-screening request including a selection of a rate pattern has been input by a user (e.g., a store operator) via the input device 112 (step SA-1).

[0047] If the reception / acquisition unit 102a determines that the user has not input a reexamination request via the input device 112 (step SA-1: No), the reception / acquisition unit 102a ends the process.

[0048] On the other hand, if the reception / acquisition unit 102a determines that a reexamination request has been input by the user via the input device 112 (step SA-1: Yes), the reception / acquisition unit 102a shifts the process to step SA-2.

[0049] The reception / acquisition unit 102a then acquires reception information, including customer information and application information, from the reception file 106a at the time of application for the individual credit purchase intermediation contract (step SA-2).

[0050] Then, the calculation result acquisition unit 102b acquires the result of reconciliation of the credit information based on the rate pattern selection result included in the reexamination request and the rate pattern master 106b (step SA-3).

[0051] Then, the calculation result acquisition unit 102b determines whether or not a credit information inquiry has already been made to an external credit information agency in the same inquiry category based on the result of the credit information inquiry to the external credit information agency stored in the reception file 106a (step SA-4).

[0052] If the calculation result acquisition unit 102b determines that a credit information inquiry to an external credit information agency in the same inquiry category has already been made (step SA-4: Yes), it shifts the process to step SA-6.

[0053] On the other hand, if the calculation result acquisition unit 102b determines that a credit information inquiry to an external credit information agency in the same inquiry category has not been performed (step SA-4: No), it shifts the process to step SA-5.

[0054] Then, the calculation result acquisition unit 102b re-references the credit information to the external credit information agency based on the rate pattern master 106b, and acquires the result of the re-reference of the credit information (step SA-5).

[0055] Then, the calculation result acquisition unit 102b acquires the recalculated result of the expected payable amount based on the customer information and application information contained in the reception information, as well as the result of the re-inquiry, and acquires expected payable information including the expected payable amount (step SA-6).

[0056] Then, the screening result acquisition unit 102c acquires the screening results for the contract related to installment sales identified by the rate pattern included in the re-screening request based on the reception information, reconciliation results, re-inquiry results, and expected payment information (step SA-7), and terminates the processing.

[0057] Here, a specific example of the installment sales management process in this embodiment will be described with reference to Figures 14 to 17. Figures 14 to 17 are flow charts showing an example of the installment sales management process in this embodiment.

[0058] As shown in Fig. 14(1), in this embodiment, when the user inputs reception information into the reception application screen during the first screening, new screening mode and reception number are selected on the reception application screen, and screen items are input based on the received application information. Then, as shown in Fig. 14(2), in this embodiment, reception number: "100" and sub-number: "0" (i.e., "100-0") are assigned, customer information-personal information, customer information-guarantor information, and application information are registered, and the results of the inquiry to the external credit information agency and payment prospects information are obtained.

[0059] Then, as shown in (3) of Fig. 15, in this embodiment, when the user inputs "Name in Kana", "Name in Kanji", "Date of Birth" and / or "Telephone Number", the reception number is specified by matching the customer from the input items, the information from the first examination is obtained (reused) from the reception file 106a, the branch number is updated ("100-1" is assigned), and a re-examination mode is selected based on the rate pattern for the next examination set in the rate pattern master 106b, etc. Then, as shown in (4) of Fig. 15, in this embodiment, a change confirmation dialog is automatically started, and the user is asked to select whether or not to change the rate pattern, and if the user selects "No (N)", the automatic processing guidance is interrupted and the process moves to manual input by the user, and if the user selects "Yes (Y)", the process continues. As shown in (5) of FIG. 15, in this embodiment, a message dialog is displayed asking, "Do you want to update your credit information with the selected rate pattern? (Y / N)?" If the user selects "No (N)," the automatic processing guidance is interrupted and the user is prompted to enter information manually; if the user selects "Yes (Y)," the credit information is automatically updated and processing continues.

[0060] As shown in (6) of FIG. 16, in this embodiment, if an inquiry has already been made with the same inquiry category for the same reception number, a message dialog stating "Credit information inquiry has already been made for the relevant contract type" is displayed, and processing continues. On the other hand, as shown in (7) of FIG. 16, in this embodiment, if the same reception number is used but an inquiry with the same inquiry category has not been made, a message dialog stating "The inquiry category has been changed. Would you like to re-inquire credit information? (Y / N)" is displayed, and if the user selects "No (N)", the automatic processing guidance is interrupted and the process moves to manual input by the user, and if the user selects "Yes (Y)", the credit information inquiry is automatically performed and processing continues. As shown in (8) of FIG. 16, in this embodiment, a message stating "Do you want to recalculate the expected payable amount? (Y / N)" is displayed, and if the user selects "No (N)", the automatic processing guidance is interrupted and the process moves to manual input by the user, and if the user selects "Yes (Y)", the expected payable amount is automatically recalculated, and processing ends.

[0061] As shown in (9) of FIG. 17, in this embodiment, the application information and expected payment information are automatically updated, and when a re-inquiry of credit information is made, the results of the inquiry to the external credit information agency are also automatically updated.

[0062] Thus, in this embodiment, the same application acceptance screen is used at the time of re-examination even if the application is for a different business, and all of the customer information registered in the previous examination is reused. Also, in this embodiment, the same application acceptance screen is used at the time of re-examination even if the application is for a different business, and the application information registered in the previous examination is reused except for the credit information calculated from the rate items determined by the rate pattern, and the credit information is automatically recalculated based on the selection for the rate pattern of the other business proposed by the master settings.

[0063] In addition, in this embodiment, when re-examination is performed, the external credit information inquiry results registered in the previous examination cannot be reused because a re-inquiry is required if the inquiry category determined by the rate pattern changes from the previous examination, so an automatic re-inquiry is performed based on the selection of the rate pattern of another business proposed by the master setting. Also, in this embodiment, when re-examination is performed, the payment prospect information registered in the previous examination cannot be reused, so it is automatically recalculated based on the customer information, application information, and external credit information inquiry results.

[0064] [4. 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.

[0065] 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.

[0066] 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.

[0067] Moreover, with regard to the installment sales management device 100, the components shown in the figures are merely conceptual functional elements, and the device does not necessarily have to be physically configured as shown in the figures.

[0068] For example, the processing functions of the installment sales management apparatus 100, particularly the processing functions performed by the control unit 102, 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 processing described in this embodiment, and is mechanically read by the installment sales management apparatus 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 cooperates with the CPU to form a control unit.

[0069] This computer program may be stored in an application program server connected to the installment sales management device 100 via any network, and it is also possible to download all or part of it as necessary.

[0070] 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.

[0071] 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 configuration that is distributed as a plurality of modules or libraries, and a program that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, may use well-known configurations and procedures.

[0072] The various databases etc. stored in the memory unit 106 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.

[0073] The installment sales management 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 installment sales management 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.

[0074] 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]

[0075] The present invention is useful in the financial industry. [Explanation of symbols]

[0076] 100 Installment sales management device 102 Control section 102a Reception and Acquisition Section 102b Calculation result acquisition part 102c Examination Results Acquisition Department 104 Communication interface section 106 Storage section 106a Reception File 106b Rate Pattern Master 108 Input / Output Interface Section 112 Input Devices 114 Output Device 200 Servers 300 Network

Claims

1. An installment sales management device having a storage unit and a control unit, The storage unit is a reception storage means for storing reception information including customer information and application information when applying for an individual credit purchase intermediation contract with a credit sales company; a rate storage means for storing a rate pattern master that sets a rate pattern including a rate set for each product or service for the individual credit purchase intermediation contract with the credit company, and a rate pattern at the time of reexamination that includes a rate set for each product or service for a collection agency contract, a guarantee contract, and a collection guarantee contract with the same credit company; Equipped with The control unit is a calculation result acquisition means for acquiring, when the examination of the individual credit purchase intermediation contract with the credit company is unsuccessful, the result of the revision of credit information, the result of a re-inquiry of credit information to a credit information agency, and / or the result of a recalculation of the expected payable amount for the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information and / or the rate pattern master; an examination result acquisition means for acquiring the examination result of the reexamination of the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information, the reconciliation result, the re-inquiry result, and / or the recalculation result; An installment sales management device comprising:

2. The result of the reconciliation of the credit information is 2. The installment sales management device according to claim 1, wherein the calculation is based on the rate pattern master.

3. The result of the re-query of the credit information is 2. The installment sales management device according to claim 1, wherein an inquiry is made to said credit information agency based on said rate pattern master.

4. The recalculation result of the expected payable amount is 2. The installment sales management device according to claim 1, wherein the calculation is based on said customer information, said application information and said re-inquiry result.

5. The said rates are:

5. The installment sales management device according to claim 1, further comprising an installment commission rate, a dealer commission rate, and / or a late payment penalty rate.

6. The rate pattern master includes:

5. The installment sales management device according to claim 1, further comprising a section for making an inquiry to said credit information agency.

7. The calculation result acquisition means includes:

2. The installment sales management device according to claim 1, wherein when the screening of the individual credit purchase intermediation contract with the credit company is unsuccessful, multiple candidate rate patterns for the re-screening are displayed in a selectable manner, and when a specific rate pattern for the re-screening is selected from the multiple candidates, the device obtains the result of the revision of the credit information, the result of the re-inquiry of the credit information to the credit information agency, and / or the result of the recalculation of the expected payable amount for the collection agency contract, guarantee contract, or collection guarantee contract with the credit company based on the reception information and / or the rate pattern for the specific re-screening.

8. An installment sales management method to be executed by an installment sales management device having a storage unit and a control unit, The storage unit is a reception storage means for storing reception information including customer information and application information when applying for an individual credit purchase intermediation contract with a credit sales company; a rate storage means for storing a rate pattern master that sets a rate pattern including a rate set for each product or service for the individual credit purchase intermediation contract with the credit company, and a rate pattern at the time of reexamination that includes a rate set for each product or service for a collection agency contract, a guarantee contract, and a collection guarantee contract with the same credit company; Equipped with The control unit executes a calculation result acquisition step of acquiring, when the examination of the individual credit purchase intermediation contract with the credit company is unsuccessful, a result of re-examining credit information, a result of re-inquiry of credit information to a credit information agency, and / or a result of recalculation of an expected payable amount for the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information and / or the rate pattern master; an examination result acquisition step of acquiring an examination result of the reexamination of the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information, the reconciliation result, the re-inquiry result, and / or the recalculation result; 1. An installment sales management method comprising:

9. An installment sales management program to be executed by an installment sales management device having a storage unit and a control unit, The storage unit is a reception storage means for storing reception information including customer information and application information when applying for an individual credit purchase intermediation contract with a credit sales company; a rate storage means for storing a rate pattern master that sets a rate pattern including a rate set for each product or service for the individual credit purchase intermediation contract with the credit company, and a rate pattern at the time of reexamination that includes a rate set for each product or service for a collection agency contract, a guarantee contract, and a collection guarantee contract with the same credit company; Equipped with In the control unit, a calculation result acquisition step of acquiring, when the examination of the individual credit purchase intermediation contract with the credit company is unsuccessful, a result of re-examining credit information, a result of re-inquiry of credit information to a credit information agency, and / or a result of recalculation of an expected payable amount for the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information and / or the rate pattern master; an examination result acquisition step of acquiring an examination result of the reexamination of the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information, the reconciliation result, the re-inquiry result, and / or the recalculation result; Installment sales management program for executing the above.

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