JP7614315B2 - Installment sales management device, installment sales management method, and installment sales management program - Google Patents

Description

The present invention relates to an installment sales management device, an installment sales management method, and an installment sales management program.

Patent document 1 discloses a configuration that automatically determines whether a loan can be granted to a customer during loan screening.

JP 2007-206982 A

However, the invention described in Patent Document 1 above does not have a function for automatically reusing the data used in the previous review when it is determined that a reexamination is necessary, and so the reexamination had to be done manually, which resulted in a problem that the reexamination took time and there was a demand for improvements in the review speed.

The present invention has been made in consideration of the above problems, and aims to provide an installment sales management device, an installment sales management method, and an installment sales management program that can automatically reuse data used in a previous screening in the screening of a contract related to another installment sale when the screening of an individual credit purchase intermediation contract is unsuccessful.

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

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

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

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

In addition, in the installment sales management device according to the present invention, the recalculation result of the expected payable amount is calculated based on the customer information, the application information, and the re-inquiry result.

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

In addition, in the installment sales management device according to the present invention, the rate pattern master is further characterized in that the rate pattern for the next review is set.

In the installment sales management device according to the present invention, the rate pattern master further includes a reference category for the credit information agency.

The installment sales management method according to the present invention is an installment sales management method to be executed by an installment sales management device having a storage unit and a control unit, the storage unit having a reception storage means for storing reception information including customer information and application information at the time of application for an individual credit purchase intermediation contract, and a rate storage means for storing a rate pattern master that sets a rate pattern including rates set for each product or service for each contract related to installment sales, and the control unit has the following features: a calculation result acquisition step executed by the control unit when the examination of the individual credit purchase intermediation contract is unsuccessful, based on the reception information and/or the rate pattern master, to acquire the results of credit information re-inquiry to a credit information agency, and/or the results of recalculation of the expected payable amount for contracts related to installment sales other than the individual credit purchase intermediation contract, and an examination result acquisition step to acquire the examination results for contracts related to installment sales other than the individual credit purchase intermediation contract, based on the reception information, the re-inquiry results, and/or the recalculation results.

The installment sales management program according to the present invention is an installment sales management program to be executed by an installment sales management device having a storage unit and a control unit, the storage unit having a reception storage means for storing reception information including customer information and application information at the time of application for an individual credit purchase intermediation contract, and a rate storage means for storing a rate pattern master in which a rate pattern including rates set for each product or service for each contract related to installment sales is set, and the control unit executes a calculation result acquisition step for acquiring the results of credit information reconsideration, the results of credit information re-inquiry to a credit information agency, and/or the results of recalculation of the expected payable amount for contracts related to installment sales other than the individual credit purchase intermediation contract, based on the reception information and/or the rate pattern master, if the screening for the individual credit purchase intermediation contract is unsuccessful, and an examination result acquisition step for acquiring the results of screening for contracts related to installment sales other than the individual credit purchase intermediation contract, based on the reception information, the reconsideration results, the re-inquiry results, and/or the recalculation results.

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

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

An embodiment of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to this embodiment.

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

When consumers purchase high-priced goods or services, methods that allow them to pay in installments include the individual credit purchase intermediation business shown in Figure 1, in which a credit company pays the price to the retailer on behalf of the customer when the customer purchases the goods, etc., and the customer then makes installment payments to the credit company, and the retailer's own installment payment system, in which the customer pays the retailer directly in installments.

Furthermore, there are several business forms of collection agency and guarantee business conducted by credit companies, such as the collection agency business shown in Figure 2, in which when a customer purchases a product, the credit company collects a collection fee from the retailer and acts as a collection agency, and pays the collection amount to the retailer; the guarantee business shown in Figure 3, in which when a customer purchases a product, the credit company collects a guarantee fee from the retailer and provides a guarantee in the event of the customer's default, and the customer makes installment payments directly to the retailer; and the collection guarantee business shown in Figure 4, in which when a customer purchases a product, the credit company collects a guarantee fee from the retailer and provides a guarantee in the event of the customer's default, and also collects a collection fee from the retailer and acts as a collection agency, and pays the collection amount to the retailer.

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

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

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

As shown in FIG. 7, the installment sales management device 100 is a commercially available desktop personal computer. Note that the installment sales management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

The installment sales management device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input/output interface unit 108. Each unit of the installment sales management device 100 is connected to each other so as to be able to communicate with each other via any communication path.

The communication interface unit 104 communicatively connects the installment sales management device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the installment sales management device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 records computer programs that work with the OS (Operating System) to give instructions to the CPU (Central Processing Unit) to perform various processes. The storage unit 106 can 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 includes a reception file 106a and a rate pattern master 106b.

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

Now, an example of reception information in this embodiment will be described with reference to Figures 8 and 9. Figure 8 is a diagram showing an example of customer information in this embodiment. Figure 9 is a diagram showing an example of application information in this embodiment.

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

Furthermore, an example of an external credit information inquiry result in this embodiment will be described with reference to FIG. 10. FIG. 10 is a diagram showing an example of a credit information inquiry result in this embodiment.

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

An example of expected payment information in this embodiment will be described with reference to FIG. 11. FIG. 11 is a diagram showing an example of expected payment information in this embodiment.

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

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

Here, an example of the rate pattern master 106b in this embodiment will be described with reference to FIG. 12. FIG. 12 is a diagram showing an example of the rate pattern master 106b in this embodiment.

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

Returning to FIG. 7, 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 touch panel), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that works with a mouse to provide a pointing device function. In the following, the output device 114 may be referred to as the monitor 114 or the printer 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

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

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

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

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

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

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

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

Then, if the reception acquisition unit 102a determines that the user has not input a reexamination request via the input device 112 (step SA-1: No), it ends the process.

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

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

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

Then, the calculation result acquisition unit 102b determines whether a credit information inquiry has already been made to an external credit information agency in the same inquiry category based on the results of the credit information inquiry to the external credit information agency stored in the reception file 106a (step SA-4).

Then, if the calculation result acquisition unit 102b determines that a credit information inquiry has already been made to an external credit information agency for the same inquiry category (step SA-4: Yes), it transitions the process to step SA-6.

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

Then, the calculation result acquisition unit 102b re-queries the credit information with the external credit information agency based on the rate pattern master 106b, and acquires the results of the re-query of the credit information (step SA-5).

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

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

Now, with reference to Figures 14 to 17, a specific example of installment sales management processing in this embodiment will be described. Figures 14 to 17 are flow diagrams showing an example of installment sales management processing in this embodiment.

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

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

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

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

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

In addition, in this embodiment, at the time of re-examination, if the inquiry category determined by the rate pattern changes from the previous examination, the external credit information inquiry results registered in the previous examination must be inquired again and cannot be reused, so an automatic re-inquiry is made based on the selection for the rate pattern of another business proposed by the master settings. Also, in this embodiment, at the time of re-examination, the expected payment ability information registered in the previous examination cannot be reused, so it is automatically recalculated based on the customer information, application information, and external credit information inquiry results.

4. Other embodiments
The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

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 a known method.

In addition, the processing procedures, control procedures, specific names, registered data for each process, information including parameters such as search conditions, screen examples, and database configurations shown in this specification and drawings may be changed as desired unless otherwise specified.

In addition, with regard to the installment sales management device 100, each component shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure.

For example, the processing functions of the installment sales management device 100, particularly the processing functions performed by the control unit 102, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transient computer-readable recording medium that contains programmed instructions for causing the information processing device to execute the processing described in this embodiment, and is mechanically read by the installment sales management device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit.

This computer program may also be stored in an application program server connected to the installment sales management device 100 via any network, and may be downloaded in whole or in part as needed.

In addition, the program for executing the processing described in this embodiment may be stored on a non-transitory computer-readable recording medium, and may also be configured as a program product. Here, the term "recording medium" refers to a memory card, a USB (Universal Serial Bus) memory, a SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile This includes any "portable physical media" such as a Blu-ray (registered trademark) Disc, and a Blu-ray (registered trademark) Disc.

A "program" is a data processing method written in any language or description method, and may be in any format, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration consisting of multiple modules or libraries, and a program that works in conjunction with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, can use well-known configurations and procedures.

The various databases stored in the memory unit 106 are storage devices 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 website provision.

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

Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the figures, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various additions or functional loads. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively.

This invention is useful in the financial industry.

REFERENCE SIGNS LIST 100 Installment sales management device 102 Control unit 102a Reception acquisition unit 102b Calculation result acquisition unit 102c Screening result acquisition unit 104 Communication interface unit 106 Storage unit 106a Reception file 106b Rate pattern master 108 Input/output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (9)

An installment sales management device having a storage unit and a control unit,
The storage unit is
a reception storage means for storing reception information including customer information and application information when applying for an individual credit purchase intermediation contract with a credit sales company ;
a rate storage means for storing a rate pattern master that sets a rate pattern including a rate set for each product or service for the individual credit purchase intermediation contract with the credit company, and a rate pattern at the time of reexamination that includes a rate set for each product or service for a collection agency contract, a guarantee contract, and a collection guarantee contract with the same credit company;
Equipped with
The control unit is
a calculation result acquisition means for acquiring, when the examination of the individual credit purchase intermediation contract with the credit company is unsuccessful, the result of the revision of credit information, the result of a re-inquiry of credit information to a credit information agency, and/or the result of a recalculation of the expected payable amount for the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information and/or the rate pattern master;
an examination result acquisition means for acquiring the examination result of the reexamination of the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information, the reconciliation result, the re-inquiry result, and/or the recalculation result;
An installment sales management device comprising: The result of the reconciliation of the credit information is
2. The installment sales management device according to claim 1, wherein the calculation is based on the rate pattern master. The result of the re-query of the credit information is
2. The installment sales management device according to claim 1, wherein an inquiry is made to said credit information agency based on said rate pattern master. The recalculation result of the expected payable amount is
2. The installment sales management device according to claim 1, wherein the calculation is based on said customer information, said application information and said re-inquiry result. The said rates are:
5. The installment sales management device according to claim 1, further comprising an installment commission rate, a dealer commission rate, and/or a late payment penalty rate. The rate pattern master includes:
5. The installment sales management device according to claim 1, further comprising a section for making an inquiry to said credit information agency. The calculation result acquisition means includes:
2. The installment sales management device according to claim 1, wherein when the screening of the individual credit purchase intermediation contract with the credit company is unsuccessful, multiple candidate rate patterns for the re-screening are displayed in a selectable manner, and when a specific rate pattern for the re-screening is selected from the multiple candidates, the device obtains the result of the revision of the credit information, the result of the re-inquiry of the credit information to the credit information agency, and/or the result of the recalculation of the expected payable amount for the collection agency contract, guarantee contract, or collection guarantee contract with the credit company based on the reception information and/or the rate pattern for the specific re-screening. An installment sales management method to be executed by an installment sales management device having a storage unit and a control unit,
The storage unit is
a reception storage means for storing reception information including customer information and application information when applying for an individual credit purchase intermediation contract with a credit sales company;
a rate storage means for storing a rate pattern master that sets a rate pattern including a rate set for each product or service for the individual credit purchase intermediation contract with the credit company, and a rate pattern at the time of reexamination that includes a rate set for each product or service for a collection agency contract, a guarantee contract, and a collection guarantee contract with the same credit company;
Equipped with
The control unit executes
a calculation result acquisition step of acquiring, when the examination of the individual credit purchase intermediation contract with the credit company is unsuccessful, a result of re-examining credit information, a result of re-inquiry of credit information to a credit information agency, and/or a result of recalculation of an expected payable amount for the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information and/or the rate pattern master;
an examination result acquisition step of acquiring an examination result of the reexamination of the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information, the reconsideration result, the re-inquiry result, and/or the recalculation result;
1. An installment sales management method comprising: An installment sales management program to be executed by an installment sales management device having a storage unit and a control unit,
The storage unit is
a reception storage means for storing reception information including customer information and application information when applying for an individual credit purchase intermediation contract with a credit sales company;
a rate storage means for storing a rate pattern master that sets a rate pattern including a rate set for each product or service for the individual credit purchase intermediation contract with the credit company, and a rate pattern at the time of reexamination that includes a rate set for each product or service for a collection agency contract, a guarantee contract, and a collection guarantee contract with the same credit company;
Equipped with
In the control unit,
a calculation result acquisition step of acquiring, when the examination of the individual credit purchase intermediation contract with the credit company is unsuccessful, a result of re-examining credit information, a result of re-inquiry of credit information to a credit information agency, and/or a result of recalculation of an expected payable amount for the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information and/or the rate pattern master;
an examination result acquisition step of acquiring an examination result of the reexamination of the collection agency contract, the guarantee contract, or the collection guarantee contract with the credit company based on the reception information, the reconciliation result, the re-inquiry result, and/or the recalculation result;
Installment sales management program for executing the above.

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