JP2003141355A - Integrated installment calculation software program - Google Patents

Abstract

[Problem] To provide an installment payment calculation software program capable of reducing the load on a processor as much as possible and at the same time always calculating an initial payment accurately. When the installment payment amount calculation software program is executed by the processor, the interest rate R and the current payment amount P from the last payment time to the second payment time in order.
Based on the current principal balance C, the previous principal balance C is calculated (X6). Finally, the initial principal balance C is calculated. Based on the calculated initial principal balance C and borrowing amount M, the principal amount B included in the initial payment amount P is calculated (X12). Based on the borrowing amount M and the interest rate R, the interest I included in the initial payment amount P is calculated (X1
3). Based on the calculated principal amount B and interest amount I, the initial payment amount P is calculated (X14).

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an installment payment amount calculation software program used in so-called installment calculation and preparation of a redemption schedule.

[0002]

2. Description of the Related Art Installment payments such as monthly installments are widely used in the field of product sales. Customers often refer to the redemption schedule when using installments. The customer determines whether or not to purchase the product by referring to the monthly payment amount described in the redemption statement.

In such installment payments, interest, that is, the commission of the credit sales company, is calculated based on the monthly interest. as a result,
For example, a fraction is generated in the monthly payment amount in units of 1 yen.
On the other hand, the customer wants to make monthly payments in the amount of 100 yen. In such cases, all first-round payments are generally included in the initial payment.

[0004]

In the conventional method of calculating the installment payment amount, repetitive calculation is used for calculating the initial payment amount. First, the first payment amount predicted from the second and subsequent monthly payment amounts is applied to the redemption schedule. After that, the principal balance is calculated for each payment time. In this way, the expected principal balance after the final payment is calculated. If the calculated principal balance does not match zero, the initial payment amount is adjusted in the redemption schedule. After adjustment, the principal balance is calculated again for each payment time. Once again, the expected principal balance after the final payment is calculated. These calculations are repeated until the principal balance matches zero. A relatively large load is imposed on the processor, which is the calculation processing. If the processing capacity of the processor is low, a large amount of calculation time will be required.

The present invention has been made in view of the above circumstances, and an installment payment amount calculation software program that can reduce the load on the processor as much as possible and at the same time can always accurately calculate the initial payment amount. The purpose is to provide.

[0006]

In order to achieve the above object, according to the first aspect of the invention, a step of acquiring borrowing amount data for specifying a borrowing amount M, and a payment number data for specifying an installment payment number F , A step of acquiring interest rate data that specifies an interest rate R with respect to the principal balance C, a step of acquiring payment amount data that specifies a payment amount P of each payment time after the second time, and a number of payments F From the final payment time specified in step 2 to the second payment time in sequence, the step of calculating the previous principal balance C based on the interest rate R, the current payment amount P, and the current principal balance C. Based on the initial principal balance C and the borrowed amount M, the step of calculating the principal amount B included in the first paid amount P, the borrowed amount M and the interest rate R
The processor to execute the step of calculating the interest amount I included in the first payment amount P based on the above, and the step of calculating the first payment amount P based on the calculated principal amount B and interest amount I. A featured installment payment calculation software program is provided.

When such an installment payment amount calculation software program is executed by the processor, the initial principal balance C, the principal amount B and the interest amount I can be calculated without repeating the calculation.
Can be calculated. The initial payment amount P can be calculated based on the principal balance C, the principal component B, and the interest component I thus calculated. The load on the processor in the calculation process can be significantly reduced. Even if the processing power of the processor is low, the initial payment amount P can be derived in a relatively short time. Moreover, the initial payment amount P can be derived with high accuracy. An accurate redemption schedule can be created based on the first payment amount P calculated in this way.

Such an installment payment amount calculation software program is included in the current payment amount P based on the previous principal balance C and the interest rate R calculated from the final payment time to the second payment time in order. Based on the calculated interest amount I and the current payment amount P from the final payment time to the second payment time in sequence, the principal amount included in the current payment amount P The step of calculating B may be further executed by the processor. The calculation of the interest amount I and the principal amount B as described above is very useful for preparing a redemption schedule.

At this time, the installment payment calculation software program records the step of identifying the accrued interest accrual period when the interest amount I exceeds the payment amount P, and the principal balance C at the end of the accrued interest accrual period. The process, the process of calculating the principal balance C this time based on the immediately preceding principal balance C, the interest rate R, and the current payment amount P in order from the first in the accrued interest period, and at the end of the accrued interest period The processor may further be caused to compare the calculated principal balance C with the recorded principal balance C. According to such installment payment amount calculation software program, the calculation process of the processor can be simplified when accrued interest occurs. The burden of calculation processing can be further reduced.

In obtaining the payment amount data described above,
Installment payment software program bonus
Additional payment S₁, S₂, ..., S_nIdentifying bonus
Process of acquiring additional payment amount data and each bonus addition
Payment amount S₁, S₂, ..., S _nPayment times N₁, N₂,
…, N_nGet bonus additional payment times data identifying
And the payout amount P is allocated according to the following formula
Calculating a uniform value Y,

[0011]

[Equation 3]

A step of arranging fractions less than a prescribed number of digits from the calculated equal value Y to derive an even payment amount A, the derived equal payment amount A, bonus additional payment amount S ₁ ,
S _2, ..., S _n and payment times N _1, N _2, ..., may further cause the processor to perform the step of calculating the payment P for each payment times based on N _n. According to such installment payment amount calculation software program, the payment amount P for each of the second and subsequent payments can be calculated prior to the calculation of the first payment amount P. Therefore, even if the payment amount P for each of the second and subsequent payments is unknown, an accurate redemption schedule can be created.

When acquiring the above-mentioned payment frequency data, the installment payment amount calculation software program, based on the previous principal balance C and the interest rate R, pays the current payment amount P.
The step of calculating the interest amount I included in the payment amount, and the step of calculating the principal amount B included in the current payment amount P based on the calculated interest amount I and the current payment amount P, and the calculated principal amount. The processor further includes a step of calculating the current principal balance C based on the minute B and the previous principal balance C, and a step of determining the number of payments F based on the comparison of the current principal balance C and the payment amount P. It may be executed. According to the installment payment amount calculation software program, the number of payments F can be calculated prior to the calculation of the initial payment amount P. Therefore, even if the number of payments F is unknown,
An accurate redemption schedule can be created.

In obtaining the above-mentioned loan amount data, the installment payment amount calculation software program calculates the payment amount P and the product of the payment times for each payment time, and based on the calculated product and the interest rate R, Calculating the interest amount I included in the payment amount P for each payment time;
Based on the calculated interest amount I and payment amount P, a step of calculating a principal amount B included in the payment amount P for each payment time, and a principal amount B from the first payment time to the final payment time.
And the step of summing up may be further executed by the processor. According to the installment payment amount calculation software program, the borrowed amount M can be calculated prior to the calculation of the first payment amount P. Therefore, even if the borrowed amount M is unknown, an accurate redemption schedule can be created. When calculating the borrowed amount M, the specified fractional number may be sorted out from the total value obtained by the total amount of the principal amount B.

In acquiring the bonus additional payment amount data described above, the installment payment amount calculation software program calculates a uniform value Y common to each payment time according to the following equation:

[0016]

[Equation 4]

The step of calculating the total payment amount based on the calculated equal value Y and the number of times of payment F, and the bonus additional payment amounts S ₁ , S ₂ , ..., Based on the difference between the calculated equal value Y and the payment amount P. The step of calculating S _n may be further executed by the processor. According to this installment payment amount calculation software program, the bonus additional payment amounts S ₁ , S ₂ , ..., S are calculated prior to the calculation of the first payment amount P.
_n can be calculated. Therefore, even if the bonus additional payment amounts S ₁ , S ₂ , ..., S _n are unknown, an accurate redemption schedule can be created.

According to the second aspect of the invention, the step of acquiring the borrowing amount data for specifying the borrowing amount M, the step of acquiring the payment number data for specifying the installment payment number F, and the principal balance C.
, A step of obtaining interest rate data specifying the interest rate R for the bonus addition, a step of obtaining bonus additional payment amount data specifying the bonus additional payment amounts S ₁ , S ₂ , ..., S _n , and each bonus additional payment amount S ₁ , S _2, ..., payment times N _1, N ₂ of S _n, ..., and the step of obtaining a bonus additional payments times the data to identify the N _n, borrowing M, number of payments F, the interest rate R, bonus additional payments S _{1, S 2, ..., S} n and payment times n _1, n _2, ..., a first program module for executing a step of calculating payments P to the processor for each payment times based on n _n, borrowing Data, interest rate data, bonus additional payment amount data, and bonus additional payment time data, and a step of acquiring equal payment amount data specifying an equal payment amount A common to each of the second and subsequent payment times. , Borrowing amount M, interest rate R, bonus additional payment amount S ₁ , S ₂ , ..., S _n , payment number N ₁ ,
A second program module for causing the processor to execute the step of calculating the number of payments F based on N ₂ , ..., N _n and the equal amount of payment A, and a step of acquiring loan amount data, payment number data, and interest rate data. A step of acquiring the payment amount data for specifying the payment amount P for each payment time, the borrowing amount M, the number of payments F, the interest rate R, and the payment amount P
An installment payment amount calculation software program including a third program module that causes a processor to execute the step of calculating the initial payment amount P based on the above.

In this installment payment amount calculation software program, the third program is executed after the first program module is executed.
The program module may be executed, and the third program module may be executed after the execution of the second program module. In any case, after the unknown amount such as the payment amount P and the payment number F is calculated, the first payment amount P is calculated based on the common program module.
Therefore, as long as the conditions such as the borrowed amount M, the number of payments F, the interest rate R, and the amount of payment P for each payment number are common, the same first time period is always executed regardless of which of the first and second program modules is executed. The payment amount P can be derived.

Such an installment payment amount calculation software program has a fourth program module that causes the processor to execute the steps of obtaining the payment amount data and the interest rate data and the step of calculating the borrowed amount M based on the payment amount P and the interest rate R. It may be further provided. The third program module described above may be executed after the execution of the fourth program module. Even when the fourth program module is executed in this manner, the initial payment amount P can be calculated based on the common program module as described above. As long as the conditions such as the borrowed amount M, the number of payments F, the interest rate R, and the amount of payment P for each payment number are common, the same first time is always executed regardless of which of the first, second and fourth program modules is executed. The payment amount P can be derived.

In addition, an installment payment amount calculation software program
The program consists of loan amount data, payment frequency data, and
The process of acquiring payment amount data and interest rate data, and borrowing
Based on amount M, number of payments F, equal amount of payment A and interest rate R
Additional bonus payment S ₁, S₂, ..., S_nCalculate
And a fifth program module that causes the processor to execute
You may further provide a module. This kind of fifth program
After executing the RAM module, the third program module
All that needs to be done. Thus the fifth program
Even if the tool is executed, the common
The first payment P is calculated based on the programming module.
Can be Borrowing amount M, payment frequency F, interest rate R
And common conditions such as payment amount P for each payment time
The first, second, fourth and fifth programs, as long as
The same first time no matter which of the ram modules is executed
The payment amount P can be derived.

However, in such installment payment amount calculation software programs, the first, second, fourth and fifth programs are used.
The program modules may be combined with the third program module in any combination. Even in such a case, as described above, the accurate initial payment amount P can be derived.

[0023] In addition, the third program module described above, for example, a program module for calculating the initial payment amount P _ini in unequal pay, be combined in the program module to calculate the initial payment amount P _ini in the so-called residual value credit Good. With the residual value credit, the installment payment amount and the residual value amount are handled separately. The payment amount P for each payment can be calculated based on the installment payment amount. However, to each payment amount P, the interest amount generated based on the residual value and the interest rate is added.

In addition, the installment payment amount calculation software program, the interest rate R, the current payment amount P and the current principal balance C from the final payment time specified by the payment frequency F to the second payment time in order. Included in the current payment amount P based on the process of calculating the previous principal balance C based on the calculated last payment balance C and the interest rate R from the final payment time to the second payment time in sequence The interest amount I to be calculated, the step of identifying the accrued interest accrual period when the interest amount I exceeds the payment amount P, the step of recording the principal balance C at the end of the accrued interest accrual period, The process of calculating the current principal balance C based on the immediately preceding principal balance C, the interest rate R, and the current payment amount P in order from the first time within the interest accrual period, and the element calculated at the end of the accrued interest accrual period. Record in the gold balance C And a step of collating the principal outstanding C may further comprise a sixth program module to be executed by a processor. Such a sixth program module may be used in combination with the above-mentioned third program module. According to the sixth program module, the calculation process of the processor can be simplified when accrued interest occurs. The burden of calculation processing can be reduced.

In the above installment payment amount calculation software program, the calculation of the bonus additional payment amount S may be omitted, and the bonus additional payment amount S ₁ , S ₂ , ...
0 (zero) may be set to S _n .

[0026]

DETAILED DESCRIPTION OF THE INVENTION An embodiment of the present invention will be described below with reference to the accompanying drawings.

FIG. 1 schematically shows the configuration of a computer system. This computer system 11 has a CPU
(Central processing unit) A computer main body 12 for accommodating other electronic devices is provided. A display device 13 and an input device such as a keyboard 14 or a mouse 15 are connected to the computer body 12. The display device 13 can display a predetermined image on the screen based on the image signal sent from the computer main body 12. The input devices 14 and 15 allow the user to input commands and information toward the computer main body 12.

The computer body 12 includes an FDD (floppy (registered trademark) disk drive) 16 and a CD-RO.
A storage device such as an M (read-only memory using a compact disc) drive device 17 is incorporated. F
The DD 16 and the CD-ROM drive 17 receive a diskette (FD) 18 and a CD-ROM 19. FDD
16 and the CD-ROM drive 17 accept the FD1
8 and the CD-ROM 19 can read data and software programs.

As shown in FIG. 2, the CPU 21 is connected to a system controller 22 that controls the computer system 11, that is, a chip set. To the system controller 22, the keyboard 14, the mouse 15, the FDD 16, the CD-ROM drive device 17, the system memory 23, the HDD (hard disk drive device) 24, and the graphic board 25 are connected. In the system memory 23, for example, an OS (operating system) and other software programs are stored in the HDD 2
4 is temporarily taken in. The CPU 21 executes arithmetic processing based on a software program temporarily stored in the system memory 23. A software program may be transferred to the HDD 24 in advance from, for example, the FD 18 or the CD-ROM 19 described above. The display device 13 is connected to the graphic board 25. The graphic board 25 sends out an image signal to the display device 13 based on a command from the CPU 21.

In addition, the system controller 22 has L
An AN (Local Area Network) board 26 or a modem 27 may be connected. The LAN board 26 and the modem 27 connect the CPU 21 in the computer system 11 and a CPU (not shown) in another computer system. CPU 21 in computer system 11
Can exchange signals with other CPUs via a LAN or the Internet.

The HDD 24 stores an installment payment amount calculation software program according to a specific example of the present invention. This software program is stored in the HDD 2 from a portable recording medium such as the FD 18 or the CD-ROM 19, for example.
4 may be loaded into the HDD 24, or may be loaded into the HDD 24 from a computer network such as a LAN or the Internet. The CPU 21 can realize a predetermined processing operation according to the description of the installment payment amount calculation software program.

As shown in the flow chart of FIG.
Installment payment calculation software program is CPU21
First, a menu is displayed on the screen of the display device 13 (step S1). The operator can select one desired item from the menu. For this selection, the operation of the keyboard 14 or the mouse 15 may be used. Here, for example, the sixth item "end"
Is selected, the processing operation of the CPU 21 is performed in step S2.
Move to. The CPU 21 ends the execution of the installment payment amount calculation software program. The on-screen menu is closed.

When the first item "Request monthly payment amount" is selected from the menu, the processing operation of the CPU 21 proceeds to step S3. The CPU 21 calculates the monthly payment amount P based on a predetermined program module. Details of the calculation method will be described later. After that, the CPU 21 executes a predetermined program module in step S4. In step S4, the initial payment amount P _{in i} is calculated based on the payment amount P for each of the second and subsequent payments. Details of the calculation method will be described later. When the initial payment amount P _ini is calculated in this manner, the payment amount P for each payment time is completely specified. All the data needed to calculate the monthly residual bond redemption calculation are available.

When the second item "obtain the number of payments" is selected from the menu, the processing operation of the CPU 21 proceeds to step S5. The CPU 21 calculates the number of payments F based on a predetermined program module. Details of the calculation method will be described later. Then, similarly to the above, the processing operation of the CPU 21 proceeds to step S4. When the initial payment amount P _ini is calculated in step S4 based on the payment amount P for each of the second and subsequent payment times, the payment amount P for each payment time is completely specified. All the data needed to calculate the monthly residual bond redemption calculation are available.

When the third item "Available loan amount" is selected from the menu, the processing operation of the CPU 21 proceeds to step S6. The CPU 21 calculates the borrowing amount M based on a predetermined program module. Details of the calculation method will be described later. Subsequently, in step S4, when the first payment amount P _ini is calculated based on the payment amount P of each of the second and subsequent payment times, all the data required for the calculation of the monthly residual bond redemption calculation are available. When the fourth item "Request bonus additional payment amount" is selected in the menu, the processing operation of the CPU 21 proceeds to step S7. The CPU 21 calculates the bonus additional payment amount S based on a predetermined program module. Details of the calculation method will be described later. Then step S4
When the first payment amount P _{in i} is calculated on the basis of the payment amount P _in each of the second and subsequent payment times, all the data required for the calculation of the monthly residual bond redemption will be available. In addition, if the fifth item "Request for uneven payment" is selected in the menu, C
The processing operation of the PU 21 moves to step S8. CPU
Reference numeral 21 executes an uneven payment calculation process based on a predetermined program module. Details of the calculation process will be described later. Subsequently, in step S4, when the first payment amount P _ini is calculated based on the payment amount P of each of the second and subsequent payment times,
All the data needed to calculate the monthly residual bond redemption calculation are available.

In this installment payment amount calculation software program, the initial payment amount P _ini is calculated in step S4 regardless of which of the first to fifth items is selected. The calculation method of the initial payment amount P _ini is unified. Therefore, it is possible to surely prevent the first payment amount P _ini from deviating between the selected items.

In step S9, the CPU 21 prepares a redemption schedule based on the collected data. CPU21
The principal balance C after payment is calculated for each payment number N. Details of the calculation method will be described later. For example, as shown in FIG. 4, a redemption schedule can be obtained. After that, CPU21
Checks the principal balance C of the final payment at step S10. If the principal balance C is zero, the processing operation of the CPU 21 proceeds to step S11. For example, as shown in FIG. 5, the processing result of the installment payment amount calculation software is displayed on the screen of the display device 13. On the screen, the payment amount P, the number of payments F, the borrowed amount M, and the bonus additional payment amount S calculated in steps S3, S5 to S8, as well as the unknowns before the processing, are necessary for the calculation of the redemption of the monthly residual bond. It suffices if all the data that are considered to be displayed.
For example, when the selection button "necessary" on the screen is selected, the redemption statement is output together with the displayed processing result. If the selection button "unnecessary" on the screen is selected, only the displayed result is output. A printout of a printer connected to the computer system 11 may be used for such output. These processing results and reimbursement schedules can be stored in the HDD 24 or FDD 16 F
It may be recorded in D18.

If the principal balance C does not match zero in step S10, the processing operation of the CPU 21 proceeds to step S12. In step S12, the CPU 21 determines whether or not the principal balance C can be converged to zero based on the adjustment of the initial payment amount P _ini . If it is judged that the principal balance C cannot be converged to zero,
The processing operation of the CPU 21 proceeds to step S13. C
The PU 21 adjusts the interest amount I included in the final payment amount P. For example, the CPU 21 may reduce the interest amount I. As a result, the amount B of the principal included in the final payment amount P increases. In this way, the principal balance C after the payment is completed is adjusted to zero. Then, in step S14, the processing result and the redemption schedule are output in the same manner as described above.

When it is determined in step S12 that the principal balance C can be converged to zero, the CPU 21
The processing operation of step S15 proceeds to step S15. The CPU 21 adjusts the initial payment amount P _ini . Details of the adjusting method will be described later. After changing the initial payment amount P _ini , the processing operation of the CPU 21 returns to step S9 again. The CPU 21 applies the changed initial payment amount P _ini to the payment amount P for the first payment. Subsequently, the CPU 21 calculates the post-payment principal balance C for each payment number N, as described above.
Such adjustment of the initial payment amount P _ini is repeated until the principal balance C in the final payment is equal to zero or until it is determined that the principal balance C cannot be converged to zero.

Here, referring to the flowchart of FIG.
How to calculate monthly payment amount P (step S in FIG. 3)
3) will be described in detail. CPU21 is a program module
When the execution is started, the CPU 21 borrows money in step T1.
Borrowing amount data specifying the deposit amount M and the installment payment count F
The payment frequency data that specifies the
Specified interest rate data and bonus payment amount S₁, S
₂, ..., S_nAdditional bonus support to specify (n is a natural number)
Payment amount data and bonus additional payment amount S₁, S₂,
…, S_nPayment times N₁, N₂, ..., N_n(N is natural
Number) to get bonus payment times data and
It Then, CPU21 is a step T2, and a borrowing amount
M, number of payments F, interest rate R, bonus payment amount
S₁, S₂, ..., S _nAnd payment times N₁, N₂, ...
N_nBased on
Equivalent Y is calculated.

[0041]

[Equation 5]

At the subsequent step T3, the CPU 21 sorts out fractions having a prescribed number of digits or less from the calculated uniform value Y.
For example, numerical values less than 100 yen may be rounded down.
In this way, the common payment amount A common to each payment time is derived.

In the following step T4, the CPU 21 derives the even payment amount A, the bonus additional payment amount S ₁ ,
S _2, ..., S _n and payment times N _1, N _2, ..., to calculate the payment P for each payment times of the second and subsequent times based on the N _n. The equal payment amount A is evenly allocated to each payment amount P. In the payment times N ₁ , N ₂ , ..., N _{n of the} bonus additional payment amounts S ₁ , S ₂ , ..., S _n , the bonus additional payment amounts S ₁ , S ₂ ,. S
_n is added. In this way, all payment amounts P other than the initial payment amount P _ini are determined.

When acquiring each of the above-mentioned data, the CPU
21 is a display device as shown in FIG.
The input screen is displayed on the screen of the device 13. On the input screen,
For example, payment start date, monthly interest rate R, installment payment count F, location
Required funds, ie borrowed amount M, 1st and 2nd bonus payment
Month, 1st and 2nd bonus payment amount S₁, S ₂
A blank space 28 is created to prompt the user to enter necessary items such as
It Computer system for entering required items
11 operators can use the keyboard 14 and mouse 15
Good. For example, in the first and second bonus months,
If specified, the CPU 21
1st and 2nd bonus additional payment amount S based on the calendar₁,
S₂Payment times N₁, N₂, ..., N_nShould be specified
Yes. However, the bonus month is not limited to twice a year.
Yes. In addition, for the interest rate R, in addition to the decimal display of the monthly interest rate,
For example, the percentage display of the monthly interest rate and the percentage of the real annual interest rate.
Page indication may be used. Monthly interest percentage table
CPU, if interest rate data identifying the indication is provided
21. If we derive the decimal display from the percentage display,
Good. When interest rate data that specifies real annual interest rates is supplied
In order to do so, the CPU 21 may derive the monthly interest rate from the annual interest rate.

Next, referring to the flowchart of FIG. 8, a method of calculating the installment payment frequency F (step S of FIG. 3).
5) will be described in detail. When the CPU 21 starts executing the program module, in step U1, the CPU 21 borrows amount data specifying the borrowing amount M and the monthly interest rate, that is, the interest rate R.
Interest rate data that specifies the payment amount and the payment amount data that specifies the payment amount P for each payment time including the first time.
In subsequent step U2, the CPU 21 sets the payment number N to the first time. In the subsequent step U3, the CPU 21 substitutes the borrowed amount M into the previous principal balance C _last .

In subsequent step U4, the CPU 21 mutually compares the previous principal balance C _last with the first payment, that is, the current payment amount P. As a result of the comparison, if the principal balance C _last is larger than the current payment amount P, the processing operation of the CPU 21 proceeds to step U5. In step U5, CPU2
1 calculates the interest amount I included in the current payment amount P based on the principal balance C _last and the interest rate R according to the following equation.

[0047]

[Equation 6]

At this time, the CPU 21 sorts out fractions having a prescribed number of digits or less from the calculated interest amount I. For example, 1
Fractions less than a circle may be rounded down.

In the subsequent step U6, the CPU 21 calculates the principal amount B included in the current payment amount P according to the following equation, based on the calculated interest amount I and the current payment amount P.

[0050]

[Equation 7]

In the subsequent step U7, the CPU 21 determines, based on the calculated principal amount B and the previous principal balance C _last ,
The principal balance C of this time is calculated according to the following formula.

[0052]

[Equation 8]

The calculated principal balance C for this time is substituted into the previous principal balance C _last in step U8. Step U
At 9, the CPU 21 counts the payment times N. The counted payment times N may be temporarily stored in, for example, the system memory 23. After that, the processing operation of the CPU 21 returns to step U4.

At step U4, the CPU 21 prompts the last time.
The principal balance C at the time of the first payment _lastAnd this time
The second payment amount P is compared with each other. As a result of the comparison,
The principal balance C rather than the current payment amount P_lastIs large,
The processing operation of the CPU 21 shifts to step U5 again.
Such a series of processing operations, that is, steps U5 to U9
The processing operation of is the previous principal balance C_lastIs the amount paid this time
Repeat until P or less is reached.

When it is confirmed in step U4 that the previous principal balance C _last is less than or equal to the current payment amount P, the CPU
The processing operation of 21 shifts to step U10. In step U10, the CPU 21 determines the installment payment count F. The payment number N counted in step U9 is applied to the installment payment number F. When the number of payments F is specified in this way, all payment amounts P other than the initial payment amount P _ini can be determined.

When acquiring the above-mentioned respective data, the CPU
21 displays an input screen on the screen of the display device 13, as shown in FIG. 9, for example. On the input screen,
For example, the payment start date, the monthly interest R, the monthly payment amount, that is, the equal payment amount A common to each payment time, the required fund, that is, the borrowed amount M, the first and second bonus payment months, and the first and second bonus additional payment amounts. A blank space 29 is created to prompt input of necessary items such as S ₁ and S ₂ . The operator of the computer system 11 may use the keyboard 14 or the mouse 15 to input each required item. For example, in determining each payout amount P, the CPU 21 acquires the equal payout amount data that specifies the equal payout amount A and the bonus additional payout amount data described above. CPU21
Based on the equal payment amount A and the first and second bonus additional payment amounts S ₁ and S ₂ , the payment amount P for each payment time
To decide. As described above, for example, the first and second
When the number of calendar months is specified by the bonus month, the CPU2
1 is the payment times N ₁ , N ₂ , of the first and second bonus additional payment amounts S ₁ , S ₂ based on the payment start date and calendar.
..., N _n should be specified. In addition, the interest rate R may be, for example, a percentage display of monthly interest rate or a percentage display of real annual interest rate, as described above.

Next, the method of calculating the borrowing amount M (step S6 in FIG. 3) will be described in detail with reference to the flowchart in FIG. When the CPU 21 starts executing the program module, the CPU 21 determines, in step V1, interest rate data that specifies the monthly interest rate, that is, the interest rate R, payment number data that specifies the installment payment frequency F, and each payment time including the first time. And the payment amount data that specifies the payment amount P. The CPU 21 increments the payment number N by 1 in the following step V2.
Set the second time. The CPU 21 resets the total value L in the subsequent step V3. Zero (= 0) is substituted for the total value L.

In the following step V4, the CPU 21 makes the first payment, that is, the current payment P and the payment N according to the following equation.
The product D of and is calculated.

[0059]

[Equation 9]

In the following step V5, the CPU 21 calculates the interest amount I included in the current payment amount P based on the calculated product D and the interest rate R according to the following equation.

[0061]

[Equation 10]

Here, the CPU 21 sorts out fractions having a prescribed number of digits or less from the calculated interest amount I. For example, fractions less than 1 yen may be rounded down.

In a succeeding step V6, the CPU 21 calculates the principal amount B included in the current payment amount P according to the following formula, based on the calculated interest amount I and the current payment amount P.

[0064]

[Equation 11]

In the following step V7, the CPU 21 totals the principal amount B of each payment times N calculated so far.
That is, the calculated principal amount B of this time is the total value L of the previous time.
Added to. In step V8, the CPU 21 confirms whether or not the current payment number N is the final payment number. That is, the current payment number N is compared with the payment number F specified by the payment number data. If the payment number N has not reached the payment number F, the CPU 21 counts the payment number N in step V9. Then CPU2
The processing operation of No. 1 returns to step V4 again. As a result of repeating the processing operations of steps V4 to V7, the total value L of the principal amount B is calculated from the first time to the final payment.

At step V8, the final payment number N (= F)
Is confirmed, the CPU 21 determines the borrowing amount M in step V10. The total amount L may be applied to the borrowed amount M. However, in making this determination, the CPU 21
The fraction of the calculated total value L may be arranged. For example,
Any fraction less than 10,000 yen may be rounded up. When the borrowing amount M is specified in this way, all the payment amounts P other than the initial payment amount P _ini can be determined.

When acquiring the above-mentioned respective data, the CPU
21 projects an input screen on the screen of the display device 13, as shown in FIG. 11, for example. On the input screen, for example, the payment start date, the monthly interest R, the installment payment count F, the monthly payment amount, that is, the equal payment amount A, the first and second bonus payment months, the first and second bonus additional payment amounts S ₁ , S ₂ , a blank space 31 is created for prompting the user to input necessary items such as S ₂ . The operator of the computer system 11 may use the keyboard 14 or the mouse 15 to input each required item. The CPU 21 uses the equal amount of payment A and the first and second bonus additional payments S ₁ and S.
_The payment amount P will be determined for each payment based on ₂ . Similarly to the above, for example, when the number of calendar months is specified by the first and second bonus months, the CPU 21 determines the first and second bonus additional payment amounts S ₁ and S ₂ based on the payment start date and the calendar. The payment times N ₁ , N ₂ , ..., N _n may be specified. In addition, the interest rate R may be, for example, a percentage display of monthly interest rate or a percentage display of real annual interest rate, as described above.

Next, referring to the flowchart of FIG.
One, bonus additional payment S₁, S ₂, ..., S_nCalculation of
The method (step S7 in FIG. 3) will be described in detail. CPU21
When the execution of the program module is started, the CPU 21
Is the borrowed amount data that specifies the borrowed amount M in step W1.
And payment count data that specifies the installment payment count F
And interest rate data that specifies the monthly interest rate, that is, the interest rate R, and
Payment amount, that is, the common equal amount A for each payment time
Equal payment data identifying each and additional bonus payments
Amount S₁, S₂, ..., S_nPayment times N₁, N₂, ...
N_nIdentify bonus bonus payment times data and get
It In the subsequent step W2, the CPU 21 pays the loan amount M and the payment amount.
Each payment according to the following formula based on the number of payments F and the interest rate R
An equal value Y, which is evenly allocated to the times, is calculated.

[0069]

[Equation 12]

Here, the CPU 21 sorts out fractions of a specified number of digits or less from the calculated uniform value Y. For example, fractions less than 1 yen may be rounded down.

In the following step W3, the CPU 21 calculates the bonus additional payment amount T included in the total payment amount of the installment based on the calculated equal value Y and the equal payment amount A according to the following formula.

[0072]

[Equation 13]

Here, the CPU 21 sorts out fractions below the prescribed number of digits from the calculated bonus additional payment T. For example, fractions less than 10,000 yen may be rounded down. In the subsequent step W4, the CPU 21 determines the payment times N ₁ , N ₂ , ..., Specified by the bonus additional payment time data.
Each bonus added to the N _n payments S _1, S _2, ..., allocating S _n. For example, an equal bonus additional payment amount S may be allocated to each payment times N ₁ , N ₂ , ..., N _n .
When the bonus additional payment amount S is specified in this way, all payment amounts P other than the initial payment amount P _ini can be determined.

When acquiring the above-mentioned respective data, the CPU
21 projects the input screen on the screen of the display device 13, as shown in FIG. 13, for example. On the input screen, input of necessary items such as payment start date, monthly interest rate R, installment payment frequency F, monthly payment amount, that is, equal payment amount A, required fund, that is, loan amount M, first and second bonus payment months. A blank 32 is created to encourage
Computer system 11 for inputting each required item
The operator may use the keyboard 14 or the mouse 15. Similarly to the above, for example, when the number of calendar months is specified by the first and second bonus months, the CPU 21 determines the first and second bonus additional payment amounts S ₁ and S ₂ based on the payment start date and the calendar. The payment times N ₁ , N ₂ , ..., N _n may be specified. In addition, the interest rate R may be, for example, a percentage display of monthly interest rate or a percentage display of real annual interest rate, as described above.

Next, with reference to the flow chart of FIG. 14, a calculation processing method for uneven payment (step S of FIG. 3).
8) will be described in detail. When the CPU 21 starts executing the program module, in step K1, the CPU 21 borrows amount data specifying the borrowing amount M and the installment payment count F.
And the interest rate data that specifies the monthly interest rate, that is, the interest rate R. Then, the CPU 21
In step K2, the unequal payment amount data that specifies the unequal payment amount G for each of the second and subsequent payments is acquired. In this way, all payment amounts P (= G) other than the initial payment amount P _ini are determined.

When acquiring each of the above-mentioned data, the CPU
21 projects an input screen on the screen of the display device 13, as shown in FIG. 15, for example. On the input screen, for example, a blank space 33 for prompting input of necessary items such as a payment start date, a monthly interest R, the number of installment payments F, a required fund, that is, a loan amount M, and an unequal payment amount G for each payment time A blank space 34 is created to prompt the request. To input each item, the operator of the computer system 11 may use the keyboard 14 or the mouse 15. The interest rate R is
In addition to the decimal display of the monthly interest rate, for example, a percentage display of the monthly interest rate or a percentage display of the real annual interest rate may be used. When the interest rate data specifying the percentage display of the monthly interest is supplied, the CPU 21 may derive the decimal display from the percentage display. When the interest rate data specifying the real annual interest rate is supplied, the CPU 21 may derive the monthly interest rate from the annual interest rate.

In addition, the first payment amount may be included in advance in the uneven payment amount data acquired by the CPU 21. In this case, all the payment amounts P other than the final payment amount P are specified by the uneven payment amount data. The unequal payment amount G of the final payment is derived based on the monthly interest R, the number of payments F, the borrowed amount M, and the unequal payment amount G other than the final payment. Thus, the uneven payment amount G from the first time to the last time
Is determined, the processing operation of the CPU 21 skips step S4 in FIG. 3 and moves to “preparation of redemption schedule” (step S9 in FIG. 3).

Next, referring to the flowchart of FIG. 16, a method of calculating the first payment amount P _ini (step S in FIG. 3)
4) will be described in detail. When the CPU 21 starts executing the program module, the CPU 21 determines, in step X1, the borrowing amount data that specifies the borrowing amount M and the installment payment count F.
The payment frequency data that specifies the payment rate, the monthly interest rate, that is, the interest rate data that specifies the interest rate R, and the payment amount data that specifies the payment amount P for each of the second and subsequent payment times are acquired. At this time, the CPU 21 calculates the equal amount of payment data for specifying the equal amount of payment A common to each payment time, the additional amount of bonus data for specifying the bonus additional payment amounts S ₁ , S ₂ , ..., S _n , and each bonus. Additional payment S ₁ , S
_2, ..., payment times N _1, N ₂ of S _n, ..., may calculate a payment P for each payment times based on the bonus additional payments times data specifying the N _n. At the subsequent step X2 and thereafter, the CPU 21 determines the last time, that is, immediately before, based on the interest rate R, the current payment amount P, and the current principal balance C from the final payment time specified by the payment frequency F to the second payment time in order. The principal balance C _{last of} is calculated.

First, in step X2, the CPU 21 substitutes the number of payments F into the count value of the number of payments N. CPU
21 sets zero (= 0) to the previous principal balance C _last in step X3. The CPU 21 proceeds to the next step X
In step 4, the previous principal balance C _last is substituted for the present principal balance C.

At the subsequent step X5, the CPU 21 determines the first payment time and the second and subsequent payment times. If it is the second and subsequent payment times, the processing operation of the CPU 21 proceeds to step X6. In step X6, the CPU 21
Is the current payment amount P, the current principal balance C, and the interest rate R
Based on the following equation, the previous principal balance C _last is calculated.

[0081]

[Equation 14]

For example, when the interest rate R is set to 0.005 (0.5%), 44080 yen is calculated as shown in FIG. At this time, the CPU 21 sorts out fractions having a prescribed number of digits or less from the calculated principal balance C _last . For example, fractions less than 1 yen may be rounded up.

In the subsequent step X7, the CPU 21 calculates the interest amount I included in the current payment amount P according to the following formula, based on the calculated principal balance C _last and the interest rate R (see FIG. 18).

[0084]

[Equation 15]

At this time, the CPU 21 sorts out fractions having a specified digit number or less from the calculated interest amount I. For example, 1
Fractions less than a circle may be rounded down.

In the following step X8, the CPU 21 calculates the principal amount B included in the current payment amount P according to the following formula based on the calculated interest amount I and the current payment amount P (see FIG. 18). .

[0087]

[Equation 16]

The CPU 21 determines whether or not accrued interest has occurred in the following step X9. In making this decision, CP
U21 determines whether the interest I exceeds the payment amount P. That is, the CPU 21 determines whether or not the calculated principal amount B shows a negative value (<0). If the accrual of interest is denied, the processing operation of the CPU 21 proceeds to step X10. CPU21 is step X10,
It is determined whether or not the initial payment amount P _ini has been calculated. If not calculated, the processing operation of the CPU 21 proceeds to step X11. The CPU 21 decrements the count value of the payment number N. The processing operation of the CPU 21 returns to step X4.

The processes of steps X4 to X11 are repeated until the payment number N = 1 is confirmed in step X5.
As a result of repeating the processing operations of steps X4 and X6 to X8, as shown in, for example, FIG. 19, the principal balance C from the final payment time to the first payment time and the second payment time from the final payment time. The interest amount I and the principal amount B up to can be calculated.

When the first payment is confirmed in step X5, the processing operation of the CPU 21 proceeds to step X12. In step X12, the CPU 21 calculates the initial payment amount P based on the borrowed amount M and the principal balance C according to the following equation.
_The principal amount B included in _ini is calculated (see FIG. 20).

[0091]

[Equation 17]

In the subsequent step X13, the CPU 21 calculates the interest amount I included in the calculated initial payment amount P _ini based on the borrowed amount M and the interest rate R (see FIG. 20).

[0093]

[Equation 18]

In the following step X14, the CPU 21 calculates the initial payment amount P _ini according to the following formula based on the calculated principal amount B and interest amount I (see FIG. 21).

[0095]

[Formula 19]

After that, the processing operation of the CPU 21 shifts to step X9 and thereafter again. When the calculation of the initial payment amount P _ini is confirmed in step X10, the processing operation of the CPU 21 shifts to “preparation of redemption schedule” (step S9 in FIG. 3).

On the other hand, when it is confirmed in step X9 that the interest I exceeds the payment amount P, in other words, when the calculated principal amount B shows a negative value (<0), the CPU 21 Confirms the accrual of accrued interest. CPU2
The processing operation of No. 1 moves to step X15. In step X15, the CPU 21 records the subsequent payment number N + 1. Thus, the accrued interest accrual period is specified from the first payment time to the (N + 1) th payment time. CPU2
1 is the payment number N + recorded in the subsequent step X16.
Record the principal balance C _{N + 1} of ₁ . After that, the processing operation of the CPU 21 proceeds to step X17. Step X17
Then, the CPU 21 recalculates the initial payment amount P _ini . Details of the recalculation will be described later. In this way, when accrued interest is confirmed, thereafter, the principal balance C _last is calculated from the (N-1) th payment time to the first payment time (step X
6), calculation of interest amount I (step X7) and principal amount B
(Step X8) is canceled. The calculation process is thus simplified. The burden of calculation processing is reduced.

Now, assume that the borrowing amount M = 10 million yen is to be repaid when the number of payments F is 72, for example. The monthly interest rate, that is, the interest rate R is set to 0.0125 (= 1.25%). The equal amount of payment A for each payment N is set to 78100 yen. The bonus additional payment amount S is set to 800,000 yen. According to the processing of FIG. 16 described above, as shown in FIG. 22, the accrued interest can be confirmed at the time of the 32nd payment. At this time, the CPU 21 records the payment number N = 33 and the principal balance C _{N + 1} = 6103110 yen. After that, calculation of the principal balance C _last , the interest amount I, and the principal amount B is omitted from the 31st payment number to the first payment number.

Next, with reference to the flowchart of FIG. 23, the method of creating the redemption schedule (step S9 of FIG. 3) will be described in detail. When the CPU 21 starts executing the program module, in step Y1, the CPU 21 borrows amount data for identifying the borrowing amount M, payment number data for identifying the number of payments F in the installment, and interest rate for identifying the monthly interest rate R. Data and each payment amount P including the initial payment amount P _ini
And obtain payment amount data that identifies CPU21
Sets the payment number N to the first time in the following step Y2. In the subsequent step Y3, the CPU 21 substitutes the borrowed amount M into the previous principal balance C _last . In the subsequent step Y4 and thereafter, the CPU 21 calculates the principal balance C after the current payment based on the previous principal balance C _last , the interest rate R and the current payment amount P from the first payment time to the final payment time. To go.

In step Y4, the CPU 21 calculates the interest amount I included in the payment amount P based on the previous principal balance C _last and the interest rate R according to the following equation.

[0101]

[Equation 20]

Now, the borrowed amount M = 1 million yen and the interest rate R
= 0.005 (0.5%) is set, the interest amount I = 5000 yen is obtained as shown in FIG. At this time, the CPU 21 sorts out fractions having a prescribed number of digits or less from the calculated interest amount I. For example, fractions less than 1 yen are rounded down.

In the following step Y5, the CPU 21 calculates the principal amount B included in the payment amount P according to the following equation based on the calculated interest amount I and the current payment amount P (see FIG. 24).

[0104]

[Equation 21]

In the following step Y6, the CPU 21 determines, based on the calculated principal amount B and the previous principal balance C _last ,
The principal balance C this time is calculated according to the following formula (see FIG. 24).

[0106]

[Equation 22]

At the subsequent step Y7, the CPU 21 confirms the payment times N of the calculated principal balance C. Payment times N
Does not reach the payment number F, the processing operation of the CPU 21 proceeds to step Y8. This principal balance C, which is calculated is set to the last of the principal balance of C _{la st.} CPU2
1 counts the payment times N in the following step Y9.
After that, the processing operation of the CPU 21 returns to step Y4.
As a result of repeating the processing operations of steps Y4 to Y9 in this way, a redemption schedule can be created (see FIG. 4).

Next, referring to the flowchart of FIG. 25, a method of adjusting the initial payment amount P _ini (step S in FIG. 3)
15) will be described in detail. When the CPU 21 starts the execution of the program module, the CPU 21 proceeds to step J1 with
Based on the final principal balance C, the number of payments F, and the interest rate R, the present value V of the principal balance C is calculated according to the following formula.

[0109]

[Equation 23]

Here, the CPU 21 sorts out fractions having a specified number of digits or less from the calculated present value V. For example, 1
Fractions less than a yen may be rounded off.

At the subsequent step J2, the CPU 21 confirms whether the present value V is calculated for the first time or after the second time. If it is the first calculation, the CPU 21 substitutes the calculated present value V for the current adjustment amount J in step J3. CPU
21 adjusts the initial payment amount P _ini in the following step J4. The adjustment amount J is added to the existing initial payment amount P _ini . In this way, the adjusted initial payment amount P _ini is set.

When it is confirmed in step J2 that the present value V has been calculated for the second time or later, the CPU 21 compares the calculated present value V with the previous adjustment amount J _last in step J5. If the two signs match, the processing operation of the CPU 21 moves to step J3. After substituting the present value V for the current adjustment amount J, the adjustment amount J is added to the existing initial payment amount P _ini in the same manner as described above. A new initial payment amount P _ini is set.

When the plus sign appears in either one of the present value V and the previous adjustment amount J _last and the minus sign appears in the other, the processing operation of the CPU 21 proceeds from step J5 to step J6. In step J6, CPU2
1 sets the current adjustment amount J based on the previous adjustment amount J _last . The last adjustment amount J _last is halved. Then CPU
21 compares the calculated adjustment amount J with the principal balance C in step J7. If the adjustment amount J is larger than the principal balance C, the processing operation of the CPU 21 proceeds to step J3. After substituting the present value V for the current adjustment amount J, the adjustment amount J is added to the existing initial payment amount P _ini in the same manner as described above. A new initial payment amount P _ini is set. On the other hand, if the adjustment amount J is less than or equal to the principal balance C, the CPU
The processing operation of 21 shifts to step J4. Adjustment amount J
_The adjustment amount J obtained by halving _last is added to the initial payment amount P _ini . A new initial payment amount P _ini is set.

Next, the method for recalculating the initial payment amount P _ini (step X17 in FIG. 16) will be described in detail with reference to the flowchart in FIG. When the CPU 21 starts executing the program module, the CPU 21 executes the step Z1.
Then, the payment number N + recorded in step X15 of FIG.
Payment number data identifying 1 and step X in FIG.
The principal balance data for identifying the principal balance C _{N + 1} recorded in 16, the borrowing amount data for identifying the borrowing amount M, the interest rate data for identifying the monthly interest, that is, the interest rate R, and the first to the payment times N + 1 The payment amount data that specifies the payment amount P for each payment time is acquired. In the subsequent step Z2, the CPU 21 sets the payment count F to the payment count N of the payment count data.
Substitute +1. CPU21, in the following step Z3,
A redemption schedule is created based on the loan amount M, the payment amount P, the interest rate R, and the number of payments F. The method of creating the redemption schedule may be configured in the same manner as described above. The initial payment amount P _ini is
For example, it may be set based on the equal amount of payment A and the bonus additional payment amount S common to each payment time.

At the subsequent step Z4, the CPU 21 compares the principal balance C obtained by creating the redemption statement with the principal balance C _{N + 1 of the} principal balance data. If both match, CP
U21 determines the initial payment amount P _ini in step Z5. The CPU 21 sets the initial payment amount P _ini with the initial payment amount P _ini used to create the redemption statement. When the initial payment amount P _ini is determined in this way, the processing operation of the CPU 21 is “create redemption schedule” (step S in FIG. 3).
Go to 9).

If the principal balance C and the principal balance C _{N + 1} do not match, the processing operation of the CPU 21 proceeds to step Z6. In step Z6, the CPU 21 determines whether or not the principal balance C can be converged to the principal balance C _{N + 1} based on the adjustment of the initial payment amount P _{in i} . In other words, it is determined whether the difference between the principal balance C and the principal balance C _{N + 1} can be converged to zero. Principal balance C
_When it is determined that the principal balance C cannot be converged to _{N + 1} , the processing operation of the CPU 21 proceeds to step Z7. The CPU 21 determines the payment amount P for the payment number N + 1.
Adjust the interest I included in. For example, the CPU 21 may reduce the interest amount I. As a result, payment times N +
The principal amount B included in the payment amount P of 1 increases. Thus, the principal balance C after the N + 1th payment is completed is the principal balance C.
Aligned to _{N + 1} . Then, CPU21, in step Z8, to set the initial payment amount P _ini in the initial payment amount P _{in i} used to create the redemption schedule. When the initial payment amount P _ini is determined in this way, the processing operation of the CPU 21 shifts to “preparation of redemption schedule” (step S9 in FIG. 3).

If it is determined in step Z6 that the principal balance C can be converged to the principal balance C _{N + 1} , then C
The processing operation of the PU 21 moves to step Z9. CPU
21 adjusts the initial payment amount P _ini . The initial payment amount P _ini may be adjusted as described above. First payment P
After changing the _ini , the processing operation of the CPU 21 is performed again in step Z.
Return to 3. The CPU 21 applies the changed initial payment amount P _ini to the payment amount P for the first payment. Then CP
U21 prepares a redemption schedule in the same manner as described above.
Such adjustment of the initial payment amount P _ini is performed until the principal balance C after the _{N +} 1th payment coincides with the principal balance C _{N + 1} or converges the principal balance C to the principal balance C _{N + 1.} It is repeated until it is determined that it cannot be done.

The above installment payment amount calculation software program may be executed in a network system composed of a mobile phone 41 and server computers 42a and 42b, as shown in FIG. 27, for example. At this time, the installment payment calculation software program
For example, by using the leased line 43 or the Internet 44, the management center 4
5 may be installed in advance in the server computers 42a and 42b connected to the server 5.

The packet processing unit 46 of the mobile phone 41 generates a connection request signal. The generated connection request signal is sent to the packet communication network 47. The connection request signal is received by the management center 45. Upon receiving the connection request signal, the management center 45 establishes a communication path between the private line 43 or the Internet 44 and the mobile phone 41. Mobile phone 4
When the application software is executed in 1, the mobile phone 41 can exchange information with the installment payment amount calculation software on the server computers 42a and 42b. A so-called browser may be used for the application software of the mobile phone 41,
Specific software linked to the installment payment amount calculation software on the server computers 42a and 42b side may be used.

For example, the CPU of the server computer 42a
Executes the processing operation defined by the installment payment amount calculation software program, as shown in the flowchart of FIG. In displaying the menu (step S1 in FIG. 3), the installment payment amount calculation software on the server computer 42a may send an image signal of the menu to the application software on the mobile phone 41. The mobile phone 41 displays a menu (see FIG. 3) on the screen 48 based on the received image signal. The user of the mobile phone 41 can select one desired item from the menu, as described above. To make this selection, the user may operate the keys of the mobile phone 41.

The selection of such items is notified to the installment payment amount calculation software on the server computer 42a. In the server computer 42a, the processing operation of any of steps S2, S3 and S5 to S8 of FIG. 3 is executed according to the selected item. For example, step S3,
If any of S5 to S8 is selected, the installment payment amount calculation software on the server computer 42a collects data. That is, the installment payment amount calculation software sends out image information of a predetermined input screen (for example, FIG. 7, FIG. 9, FIG. 11, FIG. 13) to the mobile phone 41. In the mobile phone 41, an input screen is displayed on the screen 48 based on the received image signal. Mobile phone 41
As in the case described above, the user of may input predetermined data in accordance with the input screen displayed.

The input data is the server computer 4
It is sent to 2a. The installment payment amount calculation software on the server computer 42a calculates the initial payment amount P _ini based on the received data, as described above (see FIG. 3).
Step S4) and preparation of a redemption schedule (step S9 in FIG. 3). After that, similarly to the above, the processing result and the redemption schedule may be output (step S1 in FIG. 3).
1, S14). At this time, the installment payment calculation software on the server computer 42a may send the image information of the redemption statement to the mobile phone 41, or send the redemption statement to the mobile phone 41 in the form of an electronic mail. Good. In this way, the user of the mobile phone 41 can confirm the desired reimbursement statement on the mobile phone 41 according to the input data.

In addition, the above installment payment amount calculation software may be executed by a client-server system including a client terminal and a server computer, and is executed by a single PDA (personal digital assistant) such as a so-called pocket computer or palm computer. May be.

[0124]

As described above, according to the present invention, the load on the processor for calculating the installment payment amount can be reduced as much as possible. At the same time, the first payment can always be calculated accurately.

[Brief description of drawings]

FIG. 1 is a perspective view showing a specific example of a computer system that executes an installment payment amount calculation software program according to the present invention.

FIG. 2 is a block diagram schematically showing a configuration of a computer main body.

FIG. 3 is a flowchart schematically showing a processing operation executed by a central processing unit (CPU) based on an installment payment amount calculation software program according to the present invention.

FIG. 4 is a diagram showing a specific example of a redemption schedule.

FIG. 5 is a diagram showing a specific example of a processing result displayed on the screen.

FIG. 6 is a flowchart schematically showing a method of calculating a monthly payment amount.

FIG. 7 is a diagram showing a specific example of an input screen used in calculating a monthly payment amount.

FIG. 8 is a flowchart schematically showing a method of calculating the number of installment payments.

FIG. 9 is a diagram showing a specific example of an input screen used in calculating the number of installment payments.

FIG. 10 is a flow chart schematically showing a method of calculating a loan amount.

FIG. 11 is a diagram showing a specific example of an input screen used in calculating a loan amount.

FIG. 12 is a flowchart schematically showing a method of calculating a bonus additional payment amount.

FIG. 13 is a diagram showing a specific example of an input screen used in calculating a bonus additional payment amount.

FIG. 14 is a flowchart schematically showing an uneven payment calculation processing method.

FIG. 15 is a diagram showing a specific example of an input screen used in the calculation process of uneven payment.

FIG. 16 is a flowchart schematically showing a method of calculating a first payment amount.

FIG. 17 is a table (so-called reverse redemption schedule) schematically showing a method of calculating the previous principal balance.

FIG. 18 is a table (so-called reimbursement statement table) schematically showing a method of calculating the principal amount and the interest amount included in the current payment amount.

FIG. 19 is a table showing calculation results of principal amount and interest amount from the last payment time to the first payment time, and from the last payment time to the second payment time (so-called reverse redemption details). Table).

FIG. 20 is a table (so-called reverse redemption schedule) schematically showing a method of calculating the initial payment amount.

FIG. 21 is a table (so-called reverse redemption schedule) schematically showing a method of calculating the principal amount and the interest amount for the first payment.

FIG. 22 is a table showing the accrual of accrued interest (so-called redemption schedule).

FIG. 23 is a flowchart schematically showing a method of creating a redemption schedule.

FIG. 24 is a redemption schedule showing a principal amount, an interest amount, and a principal balance calculated based on a first payment amount.

FIG. 25 is a flow chart schematically showing a method of adjusting the initial payment amount.

FIG. 26 is a flowchart schematically showing a method of recalculating the amount of first payment.

FIG. 27 is a conceptual diagram showing a specific example of a network system that executes an installment payment amount calculation software program according to the present invention.

[Explanation of symbols]

18 Diskette (FD) for storing installment payment software program, 19 CD-ROM (read-only memory using compact disc) for storing installment payment software program, 21
Processor or central processing unit (CPU), 24
A hard disk drive (HDD) that stores the installment payment amount calculation software program, 42a a server computer that stores the installment payment amount calculation software program, and 42b a server computer that stores the installment payment amount calculation software program.

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Kenichi Igarashi             1-24-1, Nishi-Shinjuku, Shinjuku-ku, Tokyo S             Tech Information Building 9th floor Honda Cure Co., Ltd.             In jit

Claims (12)

[Claims] 1. A method of acquiring borrowing amount data for specifying a borrowing amount M, a step of acquiring payment number data for specifying an installment payment number F, and an interest rate data for specifying an interest rate R for a principal balance C. The step of acquiring, the step of acquiring the payment amount data that specifies the payment amount P for each of the second and subsequent payment times, and the interest rate from the final payment time specified by the payment count F to the second payment time in order. R, the process of calculating the previous principal balance C based on the current payment amount P and the current principal balance C, and the first payment amount P based on the calculated first principal balance C and the borrowed amount M. The step of calculating the included principal amount B, the step of calculating the interest amount I included in the first payment amount P based on the borrowed amount M and the interest rate R, and the calculated principal amount B and interest amount I Calculate the initial payment amount P based on An installment payment amount calculation software program characterized by causing a processor to execute the following steps. 2. The installment payment amount calculation software program according to claim 1, wherein from the last payment time to the second payment time in sequence, based on the calculated previous principal balance C and interest rate R, Calculating the interest amount I included in the payment amount P, and the current payment amount based on the calculated interest amount I and the current payment amount P from the final payment time to the second payment time in order. An installment payment amount calculation software program characterized by causing a processor to further execute the step of calculating the principal amount B included in P. 3. The installment payment amount calculation software program according to claim 2, wherein a step of identifying an accrued interest accrual period when the interest amount I exceeds a payment amount P, and an element at the end of the accrued interest accrual period The step of recording the money balance C, the step of calculating the current principal balance C based on the immediately preceding principal balance C, the interest rate R, and the current payment amount P in order from the first time within the accrued interest period; The recorded principal balance C is added to the principal balance C calculated at the end of the interest accrual period.
An installment payment amount calculation software program, characterized by causing a processor to further execute the step of comparing 4. The installment payment amount calculation software program according to claim 1, wherein the bonus additional payment amount S is obtained when the payment amount data is acquired.
_The step of acquiring bonus additional payment amount data for specifying ₁ , S ₂ , ..., S _n , and each bonus additional payment amount S ₁ ,
A step of obtaining bonus additional payment time data for specifying the payment times N ₁ , N ₂ , ..., N _n of S ₂ , ..., S _n , and calculating an equal value Y allocated to each payment amount P according to the following equation: Process and A step of arranging fractions of a specified number of digits or less from the calculated equal value Y to derive an even payment amount A, and the derived even payment amount A, bonus additional payment amounts S ₁ , S ₂ , ..., S
An installment payment amount calculation software program for causing a processor to further perform a step of calculating a payment amount P for each payment time based on _n and payment times N ₁ , N ₂ , ..., N _n . 5. The installment payment amount calculation software program according to any one of claims 1 to 4, wherein the payment amount P of this time is based on the previous principal balance C and the interest rate R when the payment number data is acquired. The step of calculating the included interest amount I, the step of calculating the principal amount B included in the current payment amount P based on the calculated interest amount I and the current payment amount P, and the calculated principal amount The processor further executes the step of calculating the current principal balance C based on B and the previous principal balance C, and the step of determining the number of payments F based on the comparison between the present principal balance C and the payment amount P. Installment payment amount calculation software program characterized by: 6. The installment payment amount calculation software program according to claim 1, wherein a step of calculating a payment amount P and a product of the payment times for each payment time when the borrowing amount data is acquired. , A step of calculating the interest amount I included in the payment amount P for each payment time based on the calculated product and the interest rate R, and the payment for each payment time based on the calculated interest amount I and the payment amount P Installment payment amount calculation software characterized by causing a processor to further execute a step of calculating a principal amount B included in the amount P and a step of totaling the principal amount B from the first payment time to the final payment time. program. 7. The installment payment amount calculation software program according to claim 6, wherein the borrowed amount M is obtained by rearranging a fraction of a prescribed number of digits from the total value obtained from the total amount of the principal amount B.
An installment payment amount calculation software program characterized by causing a processor to further execute the step of deriving 8. The installment payment amount calculation software program according to claim 1, wherein in acquiring the bonus additional payment amount data, a step of calculating an equal value Y common to all payment times according to the following equation: And, A step of calculating the total payment amount based on the calculated equal value Y and the number of payments F, and a bonus additional payment amount S ₁ based on the difference between the calculated equal value Y and the payment amount P,
An installment payment amount calculation software program for causing a processor to further execute the steps of calculating S ₂ , ..., S _n . 9. Obtaining borrowing amount data for specifying the borrowing amount M
And the number of payments that specify the installment payment count F
The process of acquiring the data and the interest rate R for the principal balance C
The process of acquiring the specified interest rate data and the bonus additional support
Payment S₁, S₂, ..., S_nAdditional bonus to identify
Process of obtaining payment amount data and additional payment for each bonus
Forehead S₁, S₂, ..., S_nPayment times N₁, N₂, ..., N
_nTo obtain bonus additional payment time data
Amount, loan amount M, number of payments F, interest rate R, bonus addition
Payment amount S₁, S₂, ..., S_nAnd payment times N₁, N
₂, ..., N_nCalculate the payment amount P for each payment based on
A first program for causing a processor to execute the outputting step
Module, borrowed amount data, interest rate data, bonus addition
Data of additional payment amount and bonus additional payment time data
The process of acquiring and the average common to each payment time after the second time
Obtain equal amount payment data that specifies the equal amount A payment
Process, loan amount M, interest rate R, bonus payment amount
S₁, S₂, ..., S_n, Payment times N₁, N₂, ..., N_n
And the number of payments F is calculated based on the equal amount of payment A
A second program module that causes a processor to execute a process and
And loan data, payment frequency data and interest rate
Data acquisition process and payment amount P for each payment
A step of acquiring the payment amount data to be specified, a borrowing amount M,
Based on the number of payments F, interest rate R and payment amount P
Causing the processor to perform the step of calculating the payment amount P
A third program module
Installment payment calculation software program. 10. The installment payment amount calculation software program according to claim 9, wherein the payment amount data and the interest rate data are acquired, and the payment amount P and the interest rate R are obtained.
An installment payment amount calculation software program further comprising a fourth program module for causing a processor to execute a step of calculating a borrowing amount M based on the above. 11. The installment payment amount calculation software program according to claim 10, a step of acquiring loan amount data, payment frequency data, equal payment amount data and interest rate data, and a borrowing amount M, payment frequency F, equal payment. Based on the amount A and the interest rate R, the bonus additional payment amount S ₁ ,
An installment payment amount calculation software program, further comprising a fifth program module for causing a processor to execute the steps of calculating S ₂ , ..., S _n . 12. The installment payment amount calculation software program according to claim 11, wherein an interest rate R, a current payment amount P, and a current payment amount P from a final payment number specified by the payment number F to a second payment number in order. Based on the process of calculating the previous principal balance C based on the present principal balance C and the last principal balance C and the interest rate R calculated from the final payment time to the second payment time in sequence, The step of calculating the interest amount I included in the payment amount P, the step of specifying the accrued interest period when the interest amount I exceeds the payment amount P, and the principal balance C at the end of the accrued interest period. The process of recording, the process of calculating the current principal balance C based on the immediately preceding principal balance C, the interest rate R, and the current payment amount P in order from the first in the accrued interest period, Calculated at the end An installment payment amount calculation software program, further comprising a sixth program module for causing a processor to compare the recorded principal balance C with the recorded principal balance C.