4 results about "Monetary Amount" patented technology

The application discloses an individual risk claim maximum payment implementation method, which comprises the following steps: 1) responsibility matching; 2) amount calculation; 3) sequence determination; 4) amount allocation; 5) circulation settlement; and 6) result verification. Through the dynamic sorting logic of 'the minimum payment amount is given priority to', the application reduces the early deduction loss of high-value responsibility, ensures the maximization of the total payment amount after the superposition of multiple responsibilities, solves the problem that the traditional fixed sequence settlement cannot realize optimal payment, and improves user satisfaction. Through fine processing of the sharing and deduction rules between responsibilities, the payment amount is split according to the payment type, so that the deduction logic is accurate; through the layer-by-layer promotion of multiple settlement formulas, segmented payment rules, limit and premium accounting, the amount calculation is accurate and error-free, and the risk of claim dispute is reduced.

To reduce the burden on staff in overseas settlement operations. [Solution] The calculation unit calculates the difference between the first total amount, which is the sum of each invoice amount in the home country, and the second total amount, which is the sum of each payment amount in the home country. The conversion processing unit converts the invoice amount and payment amount, each converted to the home country, into settlement currency invoice amount and settlement currency payment amount based on a predetermined conversion rate for the settlement currency, which is the type of currency used for settlement and has been set in advance with the settlement recipient. The offset confirmation processing unit calculates the offset difference, which is the difference between the total settlement currency invoice amount and the total settlement currency payment amount. Then, if the payment schedule data generation unit obtains an offset difference that indicates the total settlement currency invoice amount is larger than the total settlement currency payment amount, it generates payment schedule data including the offset difference and the home country currency conversion difference.

To accurately calculate late payment penalties for financial products, in accordance with their characteristics, while suppressing increases in operational costs. [Solution] A financial product management device comprising a control unit that performs accounting processing to calculate late payment penalties incurred for debts for which the repayment date of a financial product has passed, wherein the device can access a repayment pattern master which associates the characteristics of the financial product with a calculation category which is the type of base amount on which the late payment penalties are calculated, and a calculation interest rate category which is the type of calculation interest rate multiplied by the base amount, and when the control unit determines that the repayment date of the financial product has passed, it obtains the calculation category and the calculation interest rate category corresponding to the characteristics of the financial product from the repayment pattern master, and calculates the late payment penalties based on the obtained calculation category and calculation interest rate category.