Offsetting processing device, offsetting processing method, and offsetting processing program

Abstract

To offset a loan amount of a new application against a balance required to fully settle an existing contract with a low operational burden and high speed during switching of financial products.SOLUTION: An offset processing device according to the embodiment displays an offset target inquiry screen when an operator specifies a name, a product, and a contract limit for a new application on a loan information screen and performs first operation, extracts contract data by performing computer-assisted name identification processing with the name as a key when the operator specifies an offset scheduled date on the offset target inquiry screen and performs the second operation, displays offset candidates each including a contract number, the name, the product, the contract limit, a balance, and an interest rate, displays an offset amount which is the sum of the offset target balances on the loan information screen when the operator selects an offset target from the offset candidates and performs the third operation, and fully settles an existing contract by applying the offset amount upon finalizing the new application when the operator specifies a loan amount equal to or greater than the offset amount on the loan information screen.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to an offset processing device, an offset processing method, and an offset processing program. [Background technology]

[0002] For example, in the financial industry, financial products (such as credit cards) are often switched to new, upgraded products. Patent Document 1, for example, discloses a system for offsetting the balance of existing contracts. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2004-30053 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the above-mentioned Patent Document 1 does not state anything about offsetting the loan amount of a new application with the remaining balance when paying off an existing contract with little workload and speedy when switching financial products.

[0005] The present invention has been made in consideration of the above, and aims to provide an offsetting processing device, an offsetting processing method, and an offsetting processing program that can offset the loan amount of a new application and the remaining balance when an existing contract is paid off quickly and with little workload when switching financial products. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the object, the present invention provides an offset processing device equipped with a control unit, the control unit being configured to be able to access contract data including the classification of new or existing contract, contract number, name, product, contract limit, balance, interest rate, and contract status, and the control unit being equipped with processing means for offsetting the balance of the existing contract with the loan amount of a new application when switching financial products, the processing means displaying an offset object inquiry screen when an operator specifies the name, product, and contract limit for a new application on a loan information screen and performs a first operation, and the offset object inquiry screen displays the following: When the operator specifies the scheduled offset date and performs the second operation, a name matching process is performed using the name as a key to extract contract data, and offset candidates each including the contract number, name, product, contract limit, balance, and interest rate are displayed; when the operator selects an offset target from the offset candidates and performs the third operation, the offset amount calculated by adding up the balances of the offset targets is displayed on the loan information screen; and when the operator specifies a loan amount on the loan information screen that is equal to or greater than the offset amount, the existing contract is paid off using the offset amount when the new application is concluded.

[0007] According to another aspect of the present invention, the specified loan amount may be the same as the offset amount.

[0008] According to another aspect of the present invention, the specified loan amount may be greater than the offset amount, and the transfer amount may be specified as the loan amount minus the offset amount.

[0009] In addition, according to one aspect of the present invention, the loan amount of the offset candidate may be the balance of the contract data, and the balance of the offset candidate may be the loan amount plus interest up to the scheduled offset date.

[0010] In order to solve the above-mentioned problems and achieve the object, the present invention provides an offset processing method executed by an information processing device having a control unit, the control unit being configured to be able to access contract data including classification of new or existing contract, contract number, name, product, contract limit, balance, interest rate, and contract status, and the control unit includes a processing step executed by the control unit to offset the balance of the existing contract with the loan amount of a new application when switching financial products, and in the processing step, when an operator specifies the name, product, and contract limit for the new application on a loan information screen and a first operation is performed, a screen for inquiring about an offset target is displayed. When the operator specifies the scheduled offset date on the offset target inquiry screen and performs a second operation, a name matching process is performed using the name as a key to extract contract data, and offset candidates each including the contract number, name, product, contract limit, balance, and interest rate are displayed; when the operator selects an offset target from the offset candidates and performs a third operation, the offset amount calculated by adding up the balances of the offset targets is displayed on the loan information screen; and when the operator specifies a loan amount on the loan information screen that is equal to or greater than the offset amount, the existing contract is paid off using the offset amount when the new application is concluded.

[0011] Furthermore, in order to solve the above-mentioned problems and achieve the object, the present invention provides an offset processing program to be executed by an information processing device having a control unit, the control unit being configured to be able to access contract data including the classification of new or existing contract, contract number, name, product, contract limit, balance, interest rate, and contract status, and the offset processing program causing the control unit to execute a processing step of offsetting the balance of the existing contract with the loan amount of a new application when switching financial products, and in the processing step, when an operator specifies the name, product, and contract limit for the new application on the loan information screen and a first operation is performed, an offset target inquiry screen is displayed. When the operator specifies the scheduled offset date on the offset target inquiry screen and performs a second operation, a name matching process is performed using the name as a key to extract contract data, and offset candidates each including the contract number, name, product, contract limit, balance, and interest rate are displayed; when the operator selects an offset target from the offset candidates and performs a third operation, the offset amount obtained by adding up the balances of the offset targets is displayed on the loan information screen; and when the operator specifies a loan amount on the loan information screen that is equal to or greater than the offset amount, the existing contract is paid off using the offset amount when the new application is concluded. [Effects of the Invention]

[0012] According to the present invention, when switching financial products, it is possible to offset the loan amount of a new application with the remaining balance when an existing contract is paid off quickly and with little workload. [Brief explanation of the drawings]

[0013] [Figure 1] FIG. 1 is a diagram for explaining the switching of financial products. [Figure 2] FIG. 2 is a block diagram showing an example of the configuration of the cancellation processing device according to this embodiment. [Figure 3] FIG. 3 is a diagram showing a flow for explaining an outline of the overall processing of the control unit of the offset processing device according to this embodiment. [Figure 4]FIG. 4 is a diagram for explaining a specific example of the processing of the control unit of the offset processing device according to this embodiment. [Figure 5] FIG. 5 is a diagram for explaining a specific example of the processing of the control unit of the offset processing device according to this embodiment. [Figure 6] FIG. 6 is a diagram for explaining a specific example of the processing of the control unit of the offset processing device according to this embodiment. [Figure 7] FIG. 7 is a diagram for explaining a specific example of the processing of the control unit of the offset processing device according to this embodiment. [Figure 8] FIG. 8 is a diagram for explaining a specific example of the processing of the control unit of the offset processing device according to this embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0014] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to this embodiment.

[0015] [1. Overview] For example, in the financial industry, financial products (such as credit cards) are often replaced with new, upgraded products.

[0016] Figure 1 is a diagram for explaining the switching of financial products. For example, if Mr. A already has an A card (e.g., a credit card) with a contract limit of 500,000 yen and a balance of 300,000 yen, and he switches to a C card with a contract limit of 1,000,000 yen, the 300,000 yen balance on A card will be offset with the 300,000 yen loan on C card to pay off the remaining balance of the existing contract, which is 300,000 yen.

[0017] However, in the past, when switching financial products, if the loan amount of the new application and the balance of the existing contract were to be paid off, the balance of the existing contract had to be checked, and the interest for the scheduled repayment date had to be calculated manually to calculate the offset amount, which was cumbersome and prone to human error.In addition, the existing contract had to be paid off as a separate process, making it difficult to conclude a new contract quickly.

[0018] Therefore, in this embodiment, an offsetting processing device is provided that can offset the loan amount of a new application and the remaining balance when an existing contract is paid off quickly and with little workload when switching financial products.

[0019] More specifically, this embodiment is equipped with a function that allows you to instantly calculate the balance of the existing contract (offset amount), including interest for that day, by specifying the scheduled payment date (offset date) for the existing contract you want to pay off as a product switch (offset target).In this case, it is possible to perform a simulation by adjusting the scheduled payment date.In addition, it is possible to pay off the existing contract based on the calculated offset amount, and it is possible to transfer the difference between the loan amount and the offset amount.

[0020] The offset processing device of the present invention is widely applicable to the financial industry in general (especially in cases where speed is important).

[0021] [2. Configuration] An example of the configuration of the offset processing device according to this embodiment will be described with reference to Fig. 2. Fig. 2 is a block diagram showing an example of the configuration of the offset processing device.

[0022] The offsetting processing device 100 is a commercially available desktop personal computer. Note that the offsetting processing device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0023] The offsetting processing 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 offsetting processing device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0024] The communication interface unit 104 communicably connects the offsetting processing device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the offsetting processing 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).

[0025] 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 functions as a pointing device in cooperation with a mouse. 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.

[0026] The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 stores computer programs that work in conjunction with the OS (Operating System) to issue commands to the CPU (Central Processing Unit) to perform various processes. The storage unit 106 can be, for example, a memory device such as RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, or an optical disk. The storage unit 106 also stores application data, contract data, offset data, transfer data, etc.

[0027] The contract data may include the status of new or existing contract, contract number, name, product, contract limit, balance, interest rate, and contract status.

[0028] The application data may include the classification of new or existing contract, application number, name, product, contract limit, scheduled offset date, offset amount, loan amount, and transfer amount.

[0029] The offset data may include a contract number and whether or not there is an offset. The transfer data may include a contract number, a transfer date, and a transfer amount.

[0030] The control unit 102 is a CPU or the like that comprehensively controls the offsetting processing 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 processing based on these stored programs.

[0031] The control unit 102 is configured to be able to access the application data, contract data, offset data, transfer data, etc. stored in the storage unit 106. Note that the application data, contract data, offset data, transfer data, etc. may be stored in another location (for example, the server 200) as long as the control unit 102 is able to access them.

[0032] The control unit 102 conceptually includes a processing unit 102a.

[0033] The processing unit 102a controls, for example, the display of various screens (e.g., loan information screen, offset object inquiry screen, etc.) displayed on the monitor 114 and the reception of inputs therefor. The processing unit 102a also registers and updates application data, contract data, offset object data, transfer data, etc. stored in the memory unit 106.

[0034] The processing unit 102a offsets the balance of the existing contract with the loan amount of the new application. Specifically, when the operator specifies the name, product, and contract limit for the new application on the loan information screen and performs a first operation (for example, pressing the offset screen button), the offset processing unit 102b displays an offset target inquiry screen; when the operator specifies the scheduled offset date on the offset target inquiry screen and performs a second operation (for example, pressing the display button), the offset processing unit 102b performs a name matching process using the name as a key to extract contract data and display offset candidates, each of which includes the contract number, name, product, contract limit, balance, and interest rate; when the operator selects an offset target from the offset candidates and performs a third operation (for example, pressing the offset button), the offset amount, which is the sum of the balances of the offset targets, is displayed on the loan information screen; and when the operator specifies a loan amount equal to or greater than the offset amount on the loan information screen, the offset processing unit 102b pays off the existing contract from the offset amount when the new application is concluded.

[0035] The specified loan amount may be equal to the offset amount, or may be greater than the offset amount and specify a transfer amount equal to the loan amount minus the offset amount.

[0036] The loan amount of the offset candidate may be the balance of the contract data, and the balance of the offset candidate may be the loan amount plus interest up to the scheduled offset date.

[0037] [3. Specific Examples] A specific example of the processing performed by the control unit 102 of the offset processing device 100 in this embodiment will be described with reference to FIGS.

[0038] (3-1. Overall processing) FIG. 3 is a flowchart for explaining an outline of the overall processing of the processing unit 102a of the cancellation processing device 100 in this embodiment.

[0039] An outline of the overall processing of the processing unit 102a of the offset processing device 100 in this embodiment will be described with reference to Figure 3. When the operator specifies the name, product, contract limit, etc. for a new application on the loan information screen and presses the offset screen button, the processing unit 102c displays an offset target inquiry screen (step S1).

[0040] On the offset inquiry screen, the operator specifies the scheduled offset date and presses the display button (step S2). Here, the scheduled offset date = the scheduled contract date for the new application, or the payment completion date for the existing contract.

[0041] On the offset target inquiry screen, the processing unit 102a performs name matching processing using the name on the loan information screen as a key, extracts contract data, and displays a list of offset candidates including contract number, name, product, contract limit, balance, and interest rate (step S3).

[0042] The operator selects an offset target from the offset candidates and presses the offset button (step S4).

[0043] The processing unit 102a displays the offset amount, which is the total of the balances to be offset, on the loan information screen (step S5). At this stage, the customer can be notified of the balance (offset amount) of the existing contract, and a simulation of the offset amount on the scheduled offset date can be exchanged with the customer to determine the offset date.

[0044] When the operator enters the loan amount equal to the offset amount on the offset loan information screen and presses the "Contract" button, the processing unit 102a registers the application data, and at the time of conclusion of the new application (scheduled offset date), pays off the existing contract in the contract data using the offset amount and registers the new contract (step S6).

[0045] On the other hand, when the operator enters the loan amount greater than the offset amount and the transfer amount obtained by subtracting the offset amount from the loan amount on the loan information screen and presses the "Contract" button, the processing unit 102a registers the application data, and at the time of conclusion of the new application (scheduled offset date), pays off the existing contract in the contract data using the offset amount, registers the new contract, and also transfers the transfer amount (step S7).

[0046] (3-2. Sample data) 4 to 8 are diagrams showing sample data for explaining a specific example of the processing by the processing unit 102a of the offsetting processing device 100 in this embodiment. A specific example of the processing by the processing unit 102a of the offsetting processing device 100 in this embodiment will be explained with reference to Figs. 4 to 8.

[0047] (Prerequisite data) The premise data will be explained with reference to Figure 4. The following explanation will be given using an example where the processing date is "2023 / 04 / 01". Figure 4 is a diagram for explaining the premise data as of "2023 / 04 / 01". The following explanation will start on the assumption that a person (Mr. A) who has two contracts (Card A, Loan B) has made a new application (Card C) and has already registered customer information such as name, product, and contract limit as part of the application.

[0048] FIG. 4(A) is a diagram showing an example of application data. The application data includes the following fields: new / existing contract, application number, name, product, contract limit, scheduled offset date, offset amount, loan amount, and transfer amount. In the example shown in the figure, the first line lists new / existing contract "existing contract," application number "10001," name "Mr. A," product "Card A," and contract limit "500,000 yen." The second line lists new / existing contract "existing contract," application number "10002," name "Mr. A," product "B security loan," and contract limit "-," indicating that Mr. A has already signed contracts for Card A and Security Loan B. The third line lists new / existing contract "existing contract," application number "10003," name "Mr. A," product "Card C," and contract limit "1 million yen," indicating that Mr. A is currently applying for Card C (before signing the contract).

[0049] FIG. 4(B) is a diagram showing an example of contract data. The contract data includes fields for new / existing contract, contract number, name, product, contract limit, balance, interest rate, and contract status. In the example shown in the figure, the first line contains new / existing contract "existing contract", contract number "00001", name "Mr. A", product "A card", contract limit "500,000 yen", balance "300,000 yen", interest rate "10%", and contract status "on transaction". The second line contains new / existing contract "existing contract", contract number "00002", name "Mr. A", product "B security loan", contract limit "-", balance "2 million yen", interest rate "8%", and contract status "on transaction". As for "C card", a new application is currently being made, so it is not registered in the contract data.

[0050] Figure 4(C) is a diagram showing an example of offsetting data. The offsetting data includes the contract number and offsetting item. In the example shown in the figure, the first line has the contract number "00001" and the offsetting item "- (unselected)", and the second line has the contract number "00002" and the offsetting item "- (unselected)".

[0051] (Screen image) The screen images will be described with reference to Figures 5 and 6. Figure 4(A) is a diagram showing an example of a loan information screen 400. The loan information screen 400 displays fields for specifying customer information such as name, product, contract limit, interest rate (not shown), etc., fields for specifying the scheduled offset date and offset amount, the loan amount, and the transfer amount, an offset screen button 401 for displaying an offset target inquiry screen, a contract completion button 402 for registering and updating application data and contract data according to the input content on the screen, and a close button 403 for closing the screen.

[0052] In the example shown in the figure, when the operator specifies the name "Mr. A," the product "C Card," the contract limit "1 million yen," and the interest rate "11%" (not shown), and presses the offset screen button 401, an offset object inquiry screen 500 such as that shown in Figure 4(B) is displayed (step S1 in Figure 3).

[0053] The offset target inquiry screen 500 displays a field for specifying the scheduled offset date, a list of offset candidates that is displayed when the scheduled offset date is specified and the display button 501 is pressed, a display button 501 for displaying the list of offset candidates, an offset button 502 for displaying the offset amount, and a close button 503 for closing the screen.

[0054] In the example shown in the figure, the operator specifies the scheduled offset date "2023 / 05 / 01" and presses the display button 501 (step S2 in Figure 3), then performs a name matching process using the name as a key, extracts the contract data, and displays a list of offset candidates including a selection box for selecting the target, contract number, name, product, contract limit, loan amount, balance, and interest rate (step S3 in Figure 3). Here, the "loan amount" is the "balance" in the contract data. The "balance" is the "loan amount" plus interest from the processing date to the scheduled offset date.

[0055] In the example shown in the figure, the first line contains the contract number "00001," the name "Mr. A," the product "Card A," the contract limit "500,000 yen," the loan amount "300,000 yen," the balance "310,000 yen," and the interest rate "10%." The "balance" is calculated by adding the interest from the last deposit date (interest calculation date) to the scheduled offset date "2023 / 05 / 01," resulting in a loan amount of "300,000 yen" + interest of "10,000 yen" = 310,000 yen. For example, if the last deposit date (interest calculation date) is 2023 / 04 / 01, the interest from the last deposit date to the scheduled offset date "2023 / 05 / 01" is 300,000 yen x 10% x 1 / 12 = 2,500 yen. However, for simplicity, the interest is assumed to be "10,000 yen."

[0056] The second line shows the contract number "00002," the name "Mr. A," the product "B Security Loan," the contract limit "-," the balance "2 million yen," and the remaining balance "2.02 million yen." The "balance" is calculated by adding the interest from the last deposit date (interest calculation date) to the scheduled offset date "2023 / 05 / 01," resulting in a loan amount of "2 million yen" + interest of "20,000 yen" = 2.02 million yen. For example, if the last deposit date (interest calculation date) is 2023 / 04 / 01, the interest from the last deposit date to the scheduled offset date "2023 / 05 / 01" is 2 million yen x 8% x 1 / 12 = 13,333 yen. However, for simplicity, the interest is assumed to be "20,000 yen."

[0057] In the example shown in the figure, when the operator selects the offset target "Card A" from the list of offset candidates and presses the offset button (step S4 in Figure 3), a loan information screen such as that shown in Figure 5(C) is displayed, displaying the offset amount obtained by adding up the balances of the offset targets and the scheduled offset date (step S5 in Figure 3). In the case of Figure 5(B), the offset amount obtained by adding up the balances of the offset targets is "310,000 yen."

[0058] Figure 5(C) shows an example of the loan information screen display to explain the case of product switching only / no transfer pattern. The loan information screen shown in Figure 5(C) displays the scheduled offset date "May 1, 2023" and the offset amount "310,000 yen." Enter a loan amount equal to the offset amount, and use the offset amount to pay off the existing contract when the new application is concluded (step S6 in Figure 3).

[0059] When the operator inputs the loan amount "310,000 yen" on the loan information screen shown in Figure 5(C) and presses the contract button 402, the processing unit 102a registers the application data as shown in Figure 5(D) in the storage unit 106. The processing unit 102a also updates the offset target for the contract number "00001" in the offset target data to "target" (see Figure 7(C)). Furthermore, the processing unit 102a automatically registers the contract data for this new application on the scheduled offset date (see Figure 7(B)).

[0060] The example of application data shown in the figure is: New / Existing contract: "New application", application number: "00003", name: "Mr. A", product: "C card", contract limit: "1 million yen", scheduled offset date: "5 / 1 / 2023", offset amount: "310,000 yen", loan amount: "310,000 yen", transfer amount: "0 yen".

[0061] Figure 6(E) shows an example of the loan information screen display to explain the case of product switching only / transfer with pattern. Similarly, the loan information screen shown in Figure 6(E) displays the scheduled offset date "May 1, 2023" and the offset amount "310,000 yen." Enter a loan amount greater than the offset amount, and when the new application is concluded, pay off the existing contract using the offset amount. Also, enter the transfer amount minus the offset amount from the loan amount (step S7 in Figure 3).

[0062] When the operator enters the loan amount of "800,000 yen" and the transfer amount of "490,000 yen (= loan amount of "800,000 yen" - offset amount of "310,000 yen")" on the loan information screen shown in Figure 6 (E) and presses the contract button 402, the processing unit 102a registers the application data as shown in Figure 6 (F) in the storage unit 106. The processing unit 102a also updates the offset target of the contract number "00001" in the offset target data to "target" (see Figure 8 (C)). Furthermore, the processing unit 102a automatically registers the contract data for this new application on the scheduled offset date (see Figure 8 (B)), creates transfer data (see Figure 8 (D)), and performs the transfer.

[0063] The example of application data shown in the figure is: New / Existing contract: "New application", application number: "00003", name: "Mr. A", product: "C card", contract limit: "1 million yen", scheduled offset date: "5 / 1 / 2023", offset amount: "310,000 yen", loan amount: "800,000 yen", transfer amount: "490,000 yen".

[0064] (Data image) The data image will be explained with reference to Figures 7 and 8. Figure 7 shows a data image for the product switching only / no transfer pattern, where Figure 7(A) shows an example of application data, Figure 7(B) shows an example of contract data, and Figure 7(C) shows an example of offset data.

[0065] Figure 7(A) shows an example of application data (same as Figure 5(D)) registered on "2023 / 04 / 01," and Figure 7(C) shows an example of offset data registered on "2023 / 04 / 01." The contract is concluded when the scheduled offset date, "2023 / 05 / 01," arrives. Specifically, the offset is made based on the offset data. As shown in Figure 7(B), the balance of Card A is paid off in full, and a new contract for Card C is registered. In the example shown in the figure, the balance for Card A in the first row is updated from "310,000" to "0," and the contract status is updated from "in transaction" to "paid off." The following fields are added to the third row: new / existing contract: "new contract," contract number "00003," name "Mr. A," product "Card C," contract limit "1 million yen," balance "310,000 yen," interest rate "11%," and contract status "in transaction."

[0066] Figure 8 shows a data image for the product switching only / transfer pattern, where Figure 8(A) shows an example of application data, Figure 8(B) shows an example of contract data, Figure 8(C) shows an example of offset data, and Figure 8(D) shows an example of transfer data.

[0067] Figure 8(A) shows an example of application data (same as Figure 6(F)) registered on "2023 / 04 / 01," and Figure 8(C) shows an example of offset data registered on "2023 / 04 / 01." The contract is concluded when the scheduled offset date of "2023 / 05 / 01" arrives. Specifically, the offset is made based on the offset data, and as shown in Figure 8(B), the balance of Card A is paid off in full in the contract data, a new contract for Card C is registered, and the money is transferred to Mr. A. In the example shown in Figure 8(B), the balance of Card A in the first row is updated from "310,000" to "0," and the contract status is updated from "in transaction" to "paid off." On the third line, new / existing contract "New contract", contract number "00003", name "Mr. A", product "C card", contract limit "1 million yen", balance "800,000 yen", interest rate "11%", and contract status "Current transaction" are added. Also, in the example shown in Figure 8(D), the contract number "00003", transfer date "2023 / 5 / 1", and transfer amount "490,000 yen" are registered in the transfer data, and a transfer is made to Mr. A.

[0068] In this way, with this function of the present embodiment, the offset amount can be calculated from the offset target screen during the new application process. Without this function, it would be necessary to open a separate contract information screen for the existing contract and perform the operation. Also, with this function of the present embodiment, if offsetting has already been registered, separate payment and transfer operations are not required and will be automatically performed at the time of contract conclusion (scheduled offset date).

[0069] The flow when this function is not available (prior art) will be explained. (1) In order to calculate the offset amount, it is necessary to identify the existing contract from the matching candidates separately from the new application, open the contract screen, enter the expected payment date at the time of full repayment, and calculate the offset amount (expected full repayment amount). (2) We need to inform the customer of the offset amount (the amount expected to be paid in full). (3) In addition to the contract conclusion at the time of new application, (1) must be carried out again to process the full payment. (4) If there is a loan, the amount of the loan minus the offset amount must be calculated, registered as the transfer amount, and transferred.

[0070] As described above, according to this embodiment, the processing unit 102a offsets the balance of the existing contract with the loan amount of the new application. Specifically, when the operator specifies the name, product, and contract limit for the new application on the loan information screen and performs a first operation (for example, pressing the offset screen button), the processing unit 102a displays the offset target inquiry screen. When the operator specifies the scheduled offset date on the offset target inquiry screen and performs a second operation (for example, pressing the display button), the processing unit 102a performs name matching processing using the name as a key to extract the contract data, and then displays the contract number, name, and other information. The system displays offset candidates including the product, contract limit, balance, and interest rate, and when the operator selects the offset target from the offset candidates and performs a third operation (for example, pressing the offset button), the offset amount, which is the total of the balance of the offset target, is displayed on the loan information screen.If the operator specifies a loan amount on the loan information screen that is equal to or greater than the offset amount, the existing contract is paid off using the offset amount when the new application is concluded.Therefore, when switching financial products, it is possible to offset the loan amount of the new application and the balance when the existing contract is paid off quickly and with little workload.

[0071] [4. 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 the achievement of SDGs Goals 8 and 9.

[0072] 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.

[0073] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0074] 5. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0075] 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.

[0076] Furthermore, 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 can be changed as desired unless otherwise specified.

[0077] Furthermore, with regard to the offset processing device 100, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0078] For example, all or any part of the processing functions of the offsetting processing device 100, particularly the processing functions performed by the control unit, may be realized 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 on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the offsetting processing device 100 as needed. 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 RAM, and cooperates with the CPU to form the control unit.

[0079] This computer program may also be stored in an application program server connected to the offset processing device 100 via any network, and all or part of it may be downloaded as needed.

[0080] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium or configured as a program product. Here, the term "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.

[0081] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure 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 the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0082] The various databases 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 used for various processes and providing websites.

[0083] The offsetting processing device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The offsetting processing device 100 may also be realized by installing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

[0084] 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 configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Explanation of symbols]

[0085] 100 Offsetting processing device 102 Control section 102a Processing section 104 Communication interface unit 106 Storage section 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network 400 Loan information screen 401 Cancellation screen button 402 Contract button 403 Close button 500 Offsetting Inquiry Screen 501 Display button 502 Cancellation button 503 Close button

Claims

1. An offsetting device equipped with a control unit, The control unit It is configured to be able to access contract data including the classification of new or existing contract, contract number, name, product, contract limit, balance, interest rate, and contract status. When switching financial products, a processing means is provided to offset the balance of the existing contract with the loan amount of the new application, The processing means On the loan information screen, when the operator specifies the name, product, and contract limit for a new application and performs the first operation, an offset object inquiry screen is displayed; When the operator specifies the scheduled offset date on the offset target inquiry screen and performs the second operation, a name matching process is performed using the name as a key to extract contract data, and offset candidates for existing contracts, each of which includes the contract number, name, product, contract limit, balance, and interest rate, are displayed; An offset processing device characterized in that when an operator selects an existing contract as an offset target from the offset candidates and performs a third operation, the offset amount calculated by adding up the balance of the offset target is displayed on the loan information screen, and when the operator specifies a loan amount equal to or greater than the offset amount on the loan information screen, the existing contract as the offset target selected is paid off based on the offset amount when the new application is concluded.

2. 2. The offset processing device according to claim 1, wherein the specified loan amount is the same as the offset amount.

3. 2. The offset processing device according to claim 1, wherein the specified loan amount is greater than the offset amount, and further, the transfer amount obtained by subtracting the offset amount from the loan amount is specified.

4. An offset processing device as described in any one of claims 1 to 3, characterized in that the loan amount of the offset candidate is the balance of the contract data, and the balance of the offset candidate is the loan amount plus interest up to the scheduled offset date.

5. An offsetting method executed by an information processing device having a control unit, The control unit It is configured to be able to access contract data including the classification of new or existing contract, contract number, name, product, contract limit, balance, interest rate, and contract status. Executed in the control unit: When switching financial products, the process involves offsetting the balance of the existing contract with the loan amount of the new application, In the processing step, On the loan information screen, when the operator specifies the name, product, and contract limit for a new application and performs the first operation, an offset object inquiry screen is displayed; When the operator specifies the scheduled offset date on the offset target inquiry screen and performs the second operation, a name matching process is performed using the name as a key to extract contract data, and offset candidates for existing contracts, each of which includes the contract number, name, product, contract limit, balance, and interest rate, are displayed; An offset processing method characterized by the fact that when an operator selects an existing contract as an offset target from the offset candidates and performs a third operation, the offset amount calculated by adding up the balance of the offset target is displayed on the loan information screen, and when the operator specifies a loan amount equal to or greater than the offset amount on the loan information screen, the existing contract as an offset target selected from the offset amount is paid off in full when the new application is concluded.

6. An offset processing program to be executed by an information processing device having a control unit, The control unit It is configured to be able to access contract data including the classification of new or existing contract, contract number, name, product, contract limit, balance, interest rate, and contract status. In the control unit, An offsetting program for executing a process to offset the balance of an existing contract with the loan amount of a new application when switching financial products, In the processing step, On the loan information screen, when the operator specifies the name, product, and contract limit for a new application and performs the first operation, an offset object inquiry screen is displayed; When the operator specifies the scheduled offset date on the offset target inquiry screen and performs the second operation, a name matching process is performed using the name as a key to extract contract data, and offset candidates for existing contracts, each of which includes the contract number, name, product, contract limit, balance, and interest rate, are displayed; An offset processing program characterized by the fact that when an operator selects an existing contract as an offset target from the offset candidates and performs a third operation, the offset amount calculated by adding up the balance of the offset target is displayed on the loan information screen, and when the operator specifies a loan amount equal to or greater than the offset amount on the loan information screen, the existing contract as the offset target selected is paid off based on the offset amount when the new application is concluded.

Images