Billing amount calculation system, billing amount calculation method, and billing amount calculation program

Abstract

To improve the performance of response to an inquiry from a customer by executing in advance arithmetic processing that affects the performance at a timing when the amount to be billed is changed for a loan provided to the customer.SOLUTION: A system for calculating the amount billed includes: monetary claim registration means which creates, on receipt of an application for a loan from a customer, monetary claim data including a monetary claim number, the balance, a contract rate, and a transaction date, and stores the monetary claim data on a database; and billing amount calculation means which creates, at a timing when the amount to be billed is changed, on the basis of the monetary claim data, billing data including the monetary claim number, the balance, the contract rate, the previous transaction date, billing date, the number of dates which is a difference between the previous transaction date and the billing date, the interest charged on the bill, billing amount for the principal, and the amount to be billed calculated based on the sum of the interest charged on the bill and the billing amount for the principal, and stores the billing data on the database.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to a billing amount calculation system, a billing amount calculation method, and a billing amount calculation program. [Background technology]

[0002] In recent years, the spread of smartphones and other devices has led to an increase in demand for comprehensive loan products for individuals. Individuals can now easily borrow and repay using devices such as smartphones, and transactions must be faster than ever before. A conventional system for checking loan invoice amounts and balances is disclosed, for example, in Patent Document 1. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2006-40114 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the above Patent Document 1 does not state anything about improving the performance of responses to customer inquiries by performing calculations that affect performance in advance when the billing amount changes when a loan is provided to a customer.

[0005] The present invention has been made in consideration of the above, and aims to provide a billing calculation system, a billing calculation method, and a billing calculation program that can improve the performance of responding to inquiries from customers by performing calculations that affect performance in advance when the billing amount changes when a loan is provided to a customer. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the object, the present invention provides a billing amount calculation system equipped with a control unit, characterized by comprising: a billing amount registration means for creating billing amount data including a billing amount number, balance, contract interest rate, and transaction date when a customer applies for a loan, and storing the data in a database; and a billing amount calculation means for creating billing amount data based on the billing amount data at the time the billing amount changes, including the billing amount, balance, contract interest rate, last transaction date, billing date, number of days elapsed which is the difference in days from the last transaction date to the billing date, interest billed, principal billed amount, and billing amount calculated as interest billed + principal billed amount, and storing the data in the database.

[0007] According to another aspect of the present invention, the interest charged may be calculated as follows: interest charged=(balance balance×contract interest rate×number of days elapsed) / (365×100).

[0008] According to another aspect of the present invention, the control unit may further include a response means for responding to an inquiry about the billing amount from a customer by referring to the billing amount data in the database.

[0009] According to another aspect of the present invention, the timing at which the billing amount changes may include loan execution, loan cancellation, deposit registration, deposit cancellation, change in contract interest rate, or date change.

[0010] In addition, in order to solve the above-mentioned problems and achieve the object, the present invention provides a billing amount calculation method executed by an information processing device equipped with a control unit, characterized in that it includes a billing amount registration process executed by the control unit, which, when a customer applies for a loan, creates billing amount data including the billing amount number, balance, contract interest rate, last transaction date, billing date, the number of days elapsed which is the difference in days from the last transaction date to the billing date, interest billed, principal billed amount, and a billing amount calculated as interest billed + principal billed amount, based on the billing amount data and stores the data in the database when the billing amount changes.

[0011] In addition, in order to solve the above-mentioned problems and achieve the object, the present invention is a billing amount calculation program to be executed by an information processing device having a control unit, wherein the control unit executes a billing amount calculation program that executes the following steps: a billing amount registration process in which, when a customer applies for a loan, the control unit creates billing amount data including the billing amount number, balance, contract interest rate, last transaction date, billing date, the number of days elapsed which is the difference in days from the last transaction date to the billing date, interest billed, principal billed amount, and a billing amount calculated as interest billed + principal billed amount, based on the billing amount data, and stores the created billing amount data in the database when the billing amount changes. [Effects of the Invention]

[0012] According to the present invention, when a loan is provided to a customer, the performance of responses to inquiries from the customer can be improved by performing calculations that affect performance in advance at the timing when the billing amount changes. [Brief explanation of the drawings]

[0013] [Figure 1] FIG. 1 is a diagram for explaining a conventional system. [Figure 2] FIG. 2 is a diagram for explaining the billing amount calculation system of the present invention. [Figure 3] FIG. 3 is a block diagram showing an example of the configuration of a billing amount calculation system 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 billing amount calculation system 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 billing amount calculation system in this embodiment. [Figure 6] FIG. 6 is a diagram for explaining a specific example of the processing of the control unit of the billing amount calculation system in this embodiment. [Figure 7]FIG. 7 is a diagram for explaining a specific example of the processing of the control unit of the billing amount calculation system in this embodiment. [Figure 8] FIG. 8 is a diagram for explaining a specific example of the processing of the control unit of the billing amount calculation system in 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 the embodiment.

[0015] [1. Overview] For example, in the money lending industry, the spread of smartphones has led to an increasing demand for borrowers to check their billing amounts and balances in real time, making it necessary to improve service by improving response times during inquiries.

[0016] However, in the past, the invoice amount was calculated each time a debtor inquired about the invoice amount, making it difficult to improve response performance when, for example, there were many contracts and many debtors inquired about the invoice amount.

[0017] Therefore, in this embodiment, a configuration is adopted in which calculation processes that affect performance are performed in advance at the timing when the billing amount changes.

[0018] According to this embodiment, it is possible to improve response performance by performing calculations that affect performance in advance when the billing amount changes. In addition, in the past, calculations were performed when a billing amount inquiry request was received from a customer, and the timing of the load was unknown, but by shifting peak times through advance calculations, it is possible to improve response performance during simultaneous processing.

[0019] Figure 1 is a diagram illustrating a conventional system. Conventionally, when a system receives a request for a billing amount inquiry from a customer's terminal, it performs calculations based on the credit data stored in the database to calculate the billing amount and sends a response with the billing amount to the customer's terminal. In this way, conventionally, calculations to calculate the billing amount were performed every time a billing amount inquiry request was received, which resulted in poor response performance.

[0020] FIG. 2 is a diagram for explaining the billing amount calculation system of the present invention. FIG. 2(A) is a diagram showing an example of bond data. FIG. 2(B) is a diagram showing an example of billing amount data. Bond data is registered in the database. In the example shown in FIG. 2(A), the bond data includes a bond number (key information) of "1000000001-001", a balance of "1,000,000", a contract interest rate of "2.12345", and a previous transaction date of "2023 / 01 / 10".

[0021] The billing amount calculation system of the present invention creates billing amount data based on bond data and stores it in a database when the billing amount changes, before receiving a billing amount inquiry request from the customer's terminal.In the example shown in Figure 2(B), the billing amount data is as follows: bond number (key information) "1000000001-001", balance "1,000,000", contract interest rate "2.12345", previous transaction date "2023 / 01 / 10", billing date "2023 / 01 / 20", number of days elapsed "10", billing interest "581", billing principal "0", and billing amount "581".

[0022] When the billing calculation system of the present invention receives a billing inquiry request from a customer terminal, it refers to the billing data stored in the database and responds with the billing amount. In this way, the billing calculation system of the present invention only refers to the database, which improves the performance of the billing inquiry response.

[0023] The billing amount calculation system of the present invention is widely used in the money lending industry, such as banks, online banks, and non-banks. Applicable.

[0024] [2. Configuration] 3 is a block diagram showing an example of the configuration of a billing amount calculation system 100 according to this embodiment. The billing amount calculation system 100 is, for example, a web server, and can be configured with a commercially available desktop personal computer or workstation. Here, a comprehensive loan product for individuals will be described.

[0025] 3, billing amount calculation system 100 includes control unit 102, communication interface unit 104, memory unit 106, and input / output interface unit 108. Each unit included in billing amount calculation system 100 is connected to each other so that they can communicate with each other via any communication path.

[0026] The communication interface unit 104 communicatively connects the bill calculation system 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 communicatively connecting the bill calculation system 100 with the server 200 and the customer terminal 400, for example, the Internet or a LAN (Local Area Network).

[0027] The customer terminals 400 are terminals used by customers, such as smartphones, mobile terminals, tablets, laptops, etc. In response to access from the customer's customer terminal 400, the billing amount calculation system 100 provides various screens (web pages) such as a loan contract screen, a deposit screen, and a billing amount inquiry screen, and the customer can operate the customer terminal 400 to apply for or cancel a loan, deposit money, inquire about the billing amount, etc. on these screens.

[0028] 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. Note that hereinafter, the output device 114 may be referred to as the monitor 114.

[0029] The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 stores computer programs that work in cooperation with an OS (Operating System) to issue commands to a CPU (Central Processing Unit) to perform various processes. The storage unit 106 may be, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, or an optical disk. The storage unit 106 stores a database 106a, etc.

[0030] Database 106a stores bond data and billing amount data. Bond data may include bond number (key information), balance, contract interest rate, transaction date, carried interest, and monthly principal payment amount. Billing amount data may include bond number (key information), balance, contract interest rate, previous transaction date, billing date, number of days elapsed, and billing interest.

[0031] The control unit 102 is a CPU or the like that performs overall control of the billing amount calculation system 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 operations based on these stored programs.

[0032] The control unit 102 is configured to be able to access the database 106a and the like stored in the storage unit 106. The database 106a may be stored in another location (for example, the server 200) as long as it is accessible by the control unit 102.

[0033] The control unit 102 conceptually includes a claim registration unit 102a, a claim amount calculation unit 102b, a response unit 102c, and a screen display control unit 102d.

[0034] For example, when a customer applies for a loan in response to the customer's operation of the customer terminal 400 on the loan registration screen, the bond registration unit 102a creates bond data including the bond number, balance, contract interest rate, and transaction date, stores it in the database 106a, and also updates it.

[0035] When the invoice amount changes, the invoice amount calculation unit 102b creates invoice amount data based on the bond data stored in database 106a, including the bond number, balance, contract interest rate, last transaction date, invoice date, number of days elapsed (the difference between the last transaction date and the invoice date), interest invoiced, principal invoice amount (principal invoiced), and invoice amount, and stores this data in database 106b. The interest invoiced is calculated, for example, as interest invoiced = (balance x contract interest rate x number of days elapsed) / (365 x 100). The invoice amount is calculated as interest invoiced + principal invoice amount. Because the contract interest rate is determined at the time the contract is concluded, the invoice amount changes when the balance and number of days elapsed change.

[0036] The timing of the change in the billing amount may include loan execution, loan cancellation, deposit registration, deposit cancellation, change in contract interest rate, or date change.

[0037] For example, when the response unit 102c receives a request for inquiry about the bill amount through the customer's operation on the bill amount inquiry screen of the customer terminal 400, the response unit 102c makes a response by referring to the bill amount data in the database 106a.

[0038] In response to access from the customer terminal 400, the screen display control unit 102d provides various screens (Web pages) such as a loan contract screen, a deposit screen, and a billing amount inquiry screen to the customer terminal 400, and controls the display and input reception.

[0039] [3. Specific Examples] Specific examples of the processing performed by the control unit 102 of the billing amount calculation system 100 in this embodiment will be described with reference to Figures 2 to 8. Figures 4 to 8 are diagrams for explaining specific examples of the processing performed by the control unit 102 of the billing amount calculation system 100 in this embodiment.

[0040] The contract interest rate is determined at the time of contract signing, so the amount charged will fluctuate depending on the balance and number of days elapsed. For example, the interest charged can be calculated as follows: Interest Charged = (Balance x Contract Interest Rate x Number of Days Elapsed) / (365 x 100).

[0041] The billing amount calculation unit 102b determines the billing amount (updates the billing amount data) at the following times because the billing amount changes at the following times. Loan execution (balance increases) and its cancellation (balance decreases) · Deposit registration (balance decreases) and its cancellation (balance increases) Contract interest rates change (interest rates go up or down) - The date changes (the number of days elapsed increases)

[0042] In the following example, we will explain the case of a customer (debtor) with a bond number (key information) of "1000000001-001." The control unit 102 performs the following processing using the bond number specified by the customer on the various screens displayed on the customer terminal 400 as a key. The explanation will also be given on the assumption that the bond data and billing amount data shown in Figure 2 above are registered in the database 106a. In this example, we will explain an example of a product in which the principal billing amount for each month is "0 yen" and the customer can pay the principal at any time. Note that, although the principal billing amount for each month is set to [0 yen] here, the principal billing amount for each month may also be set to a predetermined amount (>0 yen).

[0043] (Loan execution) 4 is a diagram for explaining an example in which an additional loan is provided to a customer. When an additional loan request is received from the customer terminal 400 on the loan contract screen, the claim registration unit 102a updates the balance of the claim data. Then, the claim amount calculation unit 102b creates claim amount data based on the updated claim data and registers it in the database 106a.

[0044] In this example, if a loan request for an additional 300,000 yen is received from the customer terminal 400 on January 20, 2023, the balance of the bond data is updated to "1,300,000" as shown in Figure 4(A). Then, billing amount data as shown in Figure 4(B) is created and registered in database 106a. In this example, the billing amount data contains the bond number (key information) "1000000001-001," balance "1,000,000," contract interest rate "2.12345," previous transaction date "January 20, 2023," billing date "January 20, 2023," number of days elapsed "10," billing interest amount "898," billing principal "0," and billing amount "898." The balance and contract interest rate are copied from the bond data. The previous transaction date is copied from the transaction date of the bond data. The billing date is the processing date. The number of days elapsed is the difference in days between the previous transaction date and the billing date. The interest charged is calculated by adding 1,000,000 x 2.12345 x 10 / 365 x 100 = 581 and 300,000 x 2.12345 x 1 / 365 x 100 = 17, or 581 + 17 = 898.

[0045] (Deposit registration) 5 is a diagram for explaining an example of when a customer makes a deposit. When a deposit request is received on the deposit screen from the customer's customer terminal 400, the claim registration unit 102a updates the balance of the claim data. Then, the claim amount calculation unit 102b creates claim amount data based on the updated claim data and registers it in the database 106a.

[0046] In this example, if a deposit request for 50,000 yen is received from the customer's terminal 400 on January 25, 2023, the balance of the bond data is updated to "1,250,000" and the transaction date is updated to "01 / 25 / 2023" as shown in FIG. 5(A). Then, billing amount data such as that shown in FIG. 5(B) is created and registered in database 106a. In this example, the billing amount data contains the bond number (key information) "1000000001-001," the balance "1,250,000," the contract interest rate "2.12345," the previous transaction date "01 / 25 / 2023," the billing date "01 / 25 / 2023," the number of days elapsed "0," the interest billed "0," the principal billed "0," and the billed amount "0." As described above, in this example, the principal billed amount each month is "0 yen," and the customer can make deposits to reduce the principal at any time. Therefore, when a deposit of "50,000" is made on 1 / 25, the balance will change from 1,300,000 to 1,250,000. Subsequent deposits are made on the same day, so no invoice will be generated, and each amount item will be "0 yen."

[0047] (Date change) 6 is a diagram for explaining an example of a date change. When the date is changed, the claim data remains unchanged, and the claim amount calculation unit 102b creates claim amount data based on the claim data and registers it in the database 106a. For example, this processing may be performed as a batch process every night.

[0048] In this example, when the date becomes 2023 / 01 / 26, as shown in Figure 6(A), the bond data remains as is, and billing amount data as shown in Figure 6(B) is created and registered in database 106a. In this example, the billing amount data has the bond number (key information) "1000000001-001," balance "1,250,000," contract interest rate "2.12345," previous transaction date "2023 / 01 / 25," billing date "2023 / 01 / 26," number of days elapsed "1," billing interest "72," billing principal "0," and billing amount "72." The billing interest is calculated as 1,250,000 x 2.12345 x 1 / 365 x 100 = 72.

[0049] (Billing amount inquiry) 7 is a diagram for explaining an example of a case where a request for billing inquiry is received from the customer's customer terminal 400. When a request for billing inquiry is received on a billing inquiry screen from the customer's customer terminal 400, the response unit 102c responds with the billing amount based on the billing amount data stored in the database 206.

[0050] In this example, when a request for billing inquiry is received from the customer's customer terminal 400 on 2023 / 01 / 26, the response unit 102c responds by referring to the billing data shown in Figure 7(B) stored in the database 106a (for example, by sending (displaying) the billing data).

[0051] (Interest rate change) Figure 8 is a diagram for explaining an example of when an interest rate has changed. When an interest rate has changed, the claim registration unit 102a updates the contract interest rate, transaction date, and carried interest in the claim data. Then, the claim amount calculation unit 102b creates claim amount data based on the updated claim data and registers it in the database 106a. When an interest rate has changed, the response unit 102c notifies the claim amount based on the claim amount data stored in the database 206.

[0052] In this example, if the interest rate is changed to 2.22345 on January 31, 2023, the contract interest rate in the bond data is updated to "1,250,000," the transaction date to "2023 / 01 / 31," and the carried interest to "436," as shown in Figure 8(A). The interest charged is 1,250,000 x 2.12345 x 6 / 365 x 100 = 436.

[0053] Then, billing amount data such as that shown in FIG. 8(B) is created and registered in database 106a. In this example, the billing amount data is as follows: bond number (key information) "1000000001-001", balance "1,250,000", contract interest rate "2.22345", previous transaction date "2023 / 01 / 31", billing date "2023 / 01 / 31", number of days elapsed "0", billing interest "436", billing principal "0", and billing amount "436". The interest billed is set to the carried-over interest amount. In the case of an interest rate change, the billing amount is notified (for example, the billing amount data is notified) by referencing the billing amount data shown in FIG. 8(B) stored in database 106a.

[0054] As described above, according to this embodiment, when a customer applies for a loan, the system is provided with: a claim registration unit 102a that creates claim data including the claim number, balance, contract interest rate, and transaction date, and stores the data in database 106a; a claim calculation unit 102b that creates claim amount data including the claim number, balance, contract interest rate, last transaction date, claim date, the number of days elapsed since the last transaction date to the claim date, the interest claimed, the principal claim amount, and the claim amount calculated from the interest claimed plus the principal claim amount, based on the claim data, and stores the data in database 106a, when the claim amount changes; and a response unit 102c that responds by referring to the claim amount data in database 106a when a customer inquires about the claim amount. Therefore, when a loan is provided to a customer, it is possible to improve the performance of responses to inquiries from customers by performing calculations that affect performance in advance when the claim amount changes.

[0055] [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.

[0056] 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.

[0057] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0058] 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.

[0059] 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.

[0060] 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.

[0061] Furthermore, with regard to the billing calculation system 100, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0062] For example, all or any part of the processing functions of the billing calculation system 100, particularly the processing functions performed by the control unit, may be implemented by a CPU and a program interpreted and executed by the CPU, or may be implemented as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing an information processing device to execute the processes described in this embodiment, and is mechanically read by the billing calculation system 100 as needed. That is, a computer program is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive) for working with the OS to issue instructions to the CPU and perform various processes. This computer program is executed by being loaded into RAM, and works with the CPU to form the control unit.

[0063] This computer program may also be stored in an application program server connected to the billing amount calculation system 100 via any network, and all or part of it may be downloaded as needed.

[0064] 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.

[0065] 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.

[0066] 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.

[0067] The billing amount calculation system 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 billing amount calculation system 100 may also be realized by installing software (including programs, data, etc.) that causes the device to perform the processing described in this embodiment.

[0068] 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]

[0069] 100 Billing calculation system 102 Control section 102a Claims Registration Department 102b Claims calculation section 102c Response Section 102d Screen display control unit 104 Communication interface unit 106 Storage section 106a Database 108 Input / Output Interface Section 112 Input Device 114 Output Device 300 Network 400 customer terminals

Claims

1. A billing amount calculation system including a control unit, which calculates a billing amount for a comprehensive loan product in which a loan including a deposit from a customer and an additional loan is made at a timing according to a request from the customer, a credit registration means for creating credit data including a credit number, a balance, a contract interest rate, and a transaction date when a customer applies for a loan, and storing the data in a database; a billing amount calculation means for, when the billing amount changes in response to an operation by a customer, creating billing amount data based on the credit data stored in the database, including the credit number, balance, contract interest rate, last transaction date, billing date, the number of days elapsed which is the difference in days between the last transaction date and the billing date, the interest billed calculated based on the number of days elapsed, the principal billed amount, and the billing amount calculated as the interest billed + the principal billed amount, and storing the data in the database; a response means for responding to an inquiry about the billing amount from a customer by referring to the billing amount data in the database; The timing of the change in the billing amount includes loan execution, loan cancellation, deposit registration, deposit cancellation, change in contract interest rate, or date change.

2. 2. The billing amount calculation system according to claim 1, wherein the interest charged is calculated by the following formula: interest charged=(balance balance×contract interest rate×number of days elapsed) / (365×100).

3. A billing amount calculation method executed by a billing amount calculation device that includes a control unit and calculates a billing amount for a comprehensive loan product in which a loan including a deposit from a customer and an additional loan is made at a timing according to a request from the customer, the method comprising: The control unit executes a claim registration process for creating claim data including the claim number, balance, contract interest rate, and transaction date when a customer applies for a loan, and storing the data in a database; a billing amount calculation step of creating billing amount data based on the credit data stored in the database at a timing when the billing amount changes in response to an operation by a customer, the billing amount data including the credit number, balance, contract interest rate, last transaction date, billing date, the number of days elapsed which is the difference in days from the last transaction date to the billing date, the billing interest calculated based on the number of days elapsed, the billing principal amount, and the billing amount calculated by the billing interest + the billing principal amount, and storing the created billing amount data in the database; and a response step of responding to an inquiry about the billing amount from a customer by referring to the billing amount data in the database. The timing of the change in the billing amount includes loan execution, loan cancellation, deposit registration, deposit cancellation, change in contract interest rate, or date change, in the billing amount calculation method.

4. A billing amount calculation program to be executed by a billing amount calculation device that includes a control unit and calculates a billing amount for a comprehensive loan product that provides a loan including a deposit from a customer and an additional loan at a timing according to a request from the customer, The control unit a claim registration process for creating claim data including the claim number, balance, contract interest rate, and transaction date when a customer applies for a loan, and storing the data in a database; a billing amount calculation step of creating billing amount data based on the credit data stored in the database at a timing when the billing amount changes in response to an operation by a customer, the billing amount data including the credit number, balance, contract interest rate, last transaction date, billing date, the number of days elapsed which is the difference in days from the last transaction date to the billing date, the billing interest calculated based on the number of days elapsed, the billing principal amount, and the billing amount calculated by the billing interest + the billing principal amount, and storing the created billing amount data in the database; a response step of responding to an inquiry about the billing amount from a customer by referring to the billing amount data in the database; It is a billing calculation program for executing The billing amount calculation program is characterized in that the timing at which the billing amount changes includes loan execution, loan cancellation, deposit registration, deposit cancellation, change in contract interest rate, or date change.

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