JP7729526B2 - Loan Application System - Google Patents

Description

The present invention relates to a loan application system used for individual credit purchase brokerage of vehicles.

When purchasing new cars, used cars, motorcycles, and other vehicles, an individual credit purchase arrangement method is sometimes used, in which a credit company or other similar entity pays the purchaser's payment in advance. The vehicle purchaser pays the total amount of the advance payment and installment fee in monthly installments to the credit company or other similar entity that paid the purchase in advance.

Vehicle dealerships sometimes also act as insurance agents. At dealerships that also act as insurance agents, when purchasing a vehicle, customers can also purchase optional insurance that covers vehicle repair costs in the event of an accident. This means that the vehicle purchase and insurance enrollment procedures can be completed at the same dealership. When purchasing a vehicle and enrolling in insurance at the same time, a system has been proposed that calculates the total amount of the vehicle purchase cost and the insurance enrollment costs, which are various expenses associated with purchasing a vehicle, and then calculates a loan payment plan so that a fixed amount is repaid each month in a predetermined number of payments.

Japanese Patent Application Laid-Open No. 2008-146368

When purchasing an electric vehicle or charging equipment at the same time as an electric vehicle, subsidies may be provided by the national or local government. However, these subsidies are paid out several months after application, and therefore cannot be used to cover the cost of the vehicle at the time of purchase. Furthermore, the payment dates for electric vehicles and charging equipment differ, sometimes by several months. As a result, buyers sometimes wish to make early repayments after receiving the subsidy. However, if a loan payment plan is calculated that requires fixed repayments over a set period based on the total cost of the vehicle purchase and insurance, it is difficult to make early repayments and change the loan payment plan after actual payments have begun.

The present invention has been proposed to solve the problems of the prior art described above, and its purpose is to provide a loan application system that allows for early repayment when applying for a loan for the cost of purchasing a vehicle and various expenses associated with the purchase.

In order to achieve the above object, the loan application system according to the present invention has the following configuration.
(1) A loan application system that allows a contract for a plurality of products to be consolidated, comprising: an operation unit for inputting vehicle payment information including the vehicle payment amount and number of payments, and miscellaneous expense payment information including the payment amount and number of payments for various expenses associated with the vehicle purchase; a vehicle installment fee memory unit that stores a master of the vehicle installment fee information; a miscellaneous expense installment fee memory unit that stores a master of the miscellaneous expense installment fee information; a vehicle portion calculation unit that refers to the master of the vehicle installment fee memory unit and calculates the payment amount for each vehicle installment and the total vehicle portion payment amount based on the vehicle payment information and the vehicle installment fee information; and a miscellaneous expense installment fee memory unit that refers to the master of the miscellaneous expense installment fee memory unit and calculates the miscellaneous expense installment fee information based on the miscellaneous expense payment information and the miscellaneous expense installment fee information. The system is equipped with a miscellaneous expenses calculation unit that calculates the payment amount for each payment count of expenses and the total payment amount for miscellaneous expenses, and a consolidation calculation unit that adds up the payment amount for each payment count of the vehicle and the payment amount for each payment count of the miscellaneous expenses according to the payment count of the vehicle and the payment count of the miscellaneous expenses to calculate a consolidated payment amount for each payment count, and adds up the total vehicle partial payment amount and the total miscellaneous expenses payment amount to calculate the total consolidated payment amount, wherein the vehicle partial calculation unit calculates the payment amount for each payment count of the vehicle based on the remaining debt amount for each payment count of the vehicle and the installment fee for the remaining debt amount for each payment count of the vehicle, and the miscellaneous expenses calculation unit calculates the payment amount for each payment count of the miscellaneous expenses based on the remaining debt amount for each payment count of the miscellaneous expenses and the installment fee for the remaining debt amount for each payment count of the miscellaneous expenses.

(2) The device may further include a display unit, which displays a series of input form screens for inputting the vehicle payment information and the miscellaneous expense payment information, and the input form screens may include input form screens that accept input of information regarding early repayment for each of the vehicle payment information and the miscellaneous expense payment information.

(3) When information regarding the early repayment is entered on the input form screen, at least one of the vehicle portion calculation unit and the miscellaneous expenses calculation unit may perform a calculation that takes into account the information regarding the early repayment, and the display unit may display the estimated calculation results, including the information regarding the early repayment.

(4) An application information storage unit may be provided that stores information output by the operation unit, the vehicle partial calculation unit, the miscellaneous expenses calculation unit, and the consolidated calculation unit.

(5) The system may also include a report generation unit that generates a report that consolidates the information output by the operation unit, the vehicle partial calculation unit, the miscellaneous expense calculation unit, and the unified calculation unit.

(6) The operation unit may accept input of applicant information, and the report generation unit may generate a report containing application information with the applicant information attached to the information output by the operation unit, the vehicle partial calculation unit, the miscellaneous expenses calculation unit, and the consolidated calculation unit.

(7) A system comprising an application terminal installed at a vehicle dealership, an application support device communicatively connected to the application terminal via a network, a reception device connected to the application support device and storing application information transmitted from the application terminal via the application support device, and a core device that manages loans based on the application information, wherein the application terminal and the application support device include the operation unit, the vehicle portion calculation unit, the miscellaneous expense calculation unit, and the consolidation calculation unit, and the core device may include a vehicle debt amount memory unit that stores the debt amount for the vehicle portion, an miscellaneous expense debt amount memory unit that stores the debt amount for miscellaneous expenses, and a consolidation debt amount memory unit that stores the consolidated debt amount.

(8) The core device may further include a unit for executing early repayment of the vehicle debt amount and a unit for executing early repayment of the miscellaneous expense debt amount.

This invention provides a loan application system that allows early repayment when applying for a loan for the cost of purchasing a vehicle and various expenses associated with the purchase.

1 is a schematic diagram showing a general configuration of a loan application system. FIG. 1 is a schematic diagram showing a detailed configuration of a loan application system. FIG. 2 is a schematic diagram illustrating an example of an input form screen of the loan application system. FIG. 2 is a schematic diagram illustrating an example of an input form screen of the loan application system. FIG. 2 is a schematic diagram illustrating an example of an input form screen of the loan application system. FIG. 2 is a schematic diagram illustrating an example of an input form screen of the loan application system. 10A and 10B are schematic diagrams for explaining the amount of payment for each vehicle payment and the amount of payment for each miscellaneous fee payment. FIG. 2 is a sequence diagram showing the operation of the loan application system. FIG. 10 is a sequence diagram showing the operation of a loan trial calculation. FIG. 10 is a schematic diagram of an application information form. FIG. 10 is a schematic diagram showing the simulation results of early repayment.

(Overall structure)
An embodiment of a loan application system of the present invention will be described in detail below with reference to the drawings. FIG. 1 is a schematic diagram showing the overall configuration of a loan application system. The loan application system 100 shown in FIG. 1 is a loan application system that calculates a loan payment plan to be created when selling vehicles such as automobiles, including used and new cars, and motorcycles. This loan application system 100 includes an application terminal 2, an application support device 1, a reception device 4, and a core device 5. The application terminal 2 is installed at each dealership 2A, 2B, etc. The application support device 1, the reception device 4, and the core device 5 are installed at a service provider 1A that advances payment. The application terminal 2 and the application support device 1 are connected to each other via a network 3 so as to be able to communicate with each other.

The application support device 1, application terminal 2, reception device 4, and core device 5 are so-called computers, and are equipped with an arithmetic and control device also known as an MPU or CPU, a main memory device also known as RAM, and an auxiliary memory device also known as a ROM, such as an HDD or SSD. The application support device 1, reception device 4, and core device 5 may be standalone or distributed computers. Various programs are stored in the auxiliary memory device.

Network 3 is a network that complies with, for example, a wired communication protocol such as IEEE 802.3, a wireless communication protocol defined by IEEE 802.11, or other protocols, and is a communication network such as the Internet, a LAN, or a dedicated line. Each device sends and receives data using various communication protocols such as TCP/IP.

Application terminal 2 is used by dealers 2A, 2B, etc. to input various information required to apply for a loan, display loan calculation results, confirm application form contents, and apply for a loan. The various input information is sent from application terminal 2 to application support device 1 via network 3. Application support device 1 performs a loan calculation based on the various information input at application terminal 2 and returns the results to application terminal 2. In addition, application support device 1 passes the application sent from application terminal 2 to reception device 4.

The reception device 4 stores the application information sent from the application terminal 2 via the application support device 1. The reception device 4 also stores information necessary for entering various information and estimating loans, and passes this information to the application support device 1, or passes it via the application support device 1 to the application terminal 2. The core device 5 is a business terminal that manages payments and sales for applied loans.

(Application terminal)
2 is a block diagram showing the detailed configuration of each device in such a loan application system 100. The application terminal 2 includes a web browser 21, a form storage unit 22, an operation unit 23, a display unit 24, and a form generation unit 25.

The form storage unit 22 is primarily composed of RAM and stores input form screens D12-14 for various types of information. The web browser 21 is primarily composed of a CPU and displays the input form screens D12-14 stored in the form storage unit 22 on the display unit 24. The various types of information D4-D9 entered into the input form screens D12-14 are sent to the application support device 1.

The web browser 21 also receives the estimated payment result D20 calculated by the application support device 1 and displays it on the display unit 24. When applying, the web browser 21 transmits application information D10 to the application support device 1, including various information D4 to D9, payment information included in the estimated calculation result D20, and applicant information.

The various information D4-D9 entered into the input form screens D12-14 includes, for example, request information D4, dealer information D5, vehicle model information D6, basic information on the purchased vehicle loan D7, basic information on the trade-in vehicle loan D8, and basic information on the miscellaneous fee loan D9.

Figure 3 shows an example of the input form screen D12. The input form screen D12 accepts input of request information D4. The request information D4 includes information regarding the type of loan. The input form screen D12 includes button B for selecting the type of loan.

Types of loans selectable via the input form screen D12 include, for example, a standard auto loan and a twin auto loan. A standard auto loan allows for individual contracts for one product. The fee calculation method may be an add-on method, in which the total payment amount, which is the sum of the payment amount and the total installment fee, is divided equally among the number of payments, and the payment amount for each payment is calculated, or a remaining balance method, in which the payment amount for each payment is calculated based on the remaining balance (principal balance) and the installment fee for the remaining balance. A standard auto loan using the add-on method is, for example, a car loan based on a loan payment plan in which the vehicle purchase cost is repaid in equal installments or bonus payments. A standard auto loan using the remaining balance method is, for example, a new budget loan based on a loan payment plan that allows the vehicle purchase cost to be extended or shortened.

Twin auto loans allow two products to be combined and contracted at the same time. Examples of twin auto loans include the Twin Reset Auto Loan and the TWIN Auto Loan. The fee calculation method itself can be an add-on method. However, one of the features of this embodiment is that it uses the remaining balance method as the fee calculation method. With the remaining balance method, for example, if you are making monthly repayments, each month the principal payment amount decreases, the installment fee is calculated by multiplying the remaining balance by the effective annual rate, and the payment amount for each payment is calculated.

Twin Reset Auto Loan is a consolidated loan based on a loan payment plan that repays the cost of the current vehicle purchase and the remaining balance settlement costs of the previous vehicle purchase. TWIN Auto Loan is a consolidated loan based on a loan payment plan that repays the vehicle purchase cost and various expenses associated with the vehicle purchase. Expenses associated with a vehicle purchase include optional insurance premiums, vehicle inspection fees, and vehicle charging equipment fees. Note that with Twin Reset Auto Loan, the remaining balance settlement costs of the previous vehicle purchase can also be considered various expenses associated with a vehicle purchase.

The form storage unit 22 may store input form screens D13 corresponding to the number of options displayed on the input form screen D12. In the example using the input form screen D12 of Figure 3, input form screens D13 corresponding to regular auto loans, twin reset auto loans, and twin auto loans are respectively stored in the form storage unit 22. Explanation of the input form screen D13 for regular auto loans will be omitted, and only the input form screen D13a for twin reset auto loans and the input form screen D13b for twin auto loans will be explained. Note that the input form screens D13a and D13b will be collectively referred to as the input form screen D13.

Figure 4 shows an example of the Twin Reset Auto Loan input form screen D13a. The various information D5-D8 entered into the input form screen D13a includes dealer information D5, vehicle model information D6, basic information for the purchased vehicle loan D7, and basic information for the trade-in vehicle loan D8.

Dealer information D5 includes the dealer's name, representative name, address, telephone number, and name of the person in charge. For dealers 2A, 2B, etc. already registered in the loan application system 100, dealer information D5 may be the dealer management number. In Figure 4, the input field for dealer information D5 is omitted. Furthermore, dealer information D5 does not necessarily need to be configured to accept input on input form screen D13, and may be configured to use information previously set in another form.

Vehicle model information D6 can include vehicle model code, manufacturer name, manufacturer code, vehicle model name, vehicle model code, year, model, engine displacement, grade, etc. It may also include color, mileage, registration number, chassis number, name, application date, delivery time, etc. Furthermore, vehicle model information D6 can be entered for both purchased vehicles and trade-in vehicles.

Purchase vehicle loan basic information D7 is purchase vehicle payment information including the vehicle price, option price, discount amount, down payment (cash), first payment year and month, number of payments, bonus payment amount, number of bonus payments, and information on early repayment.

The trade-in vehicle loan basic information D8 is trade-in vehicle payment information that includes the remaining credit, trade-in price, number of payments, bonus payment amount, number of bonus payments, information on early repayment, etc. As is clear from Figure 4, the input form screen D13a is configured to allow the number of payments to be entered for both the purchased vehicle and the trade-in vehicle. The number of payments for the purchased vehicle and the trade-in vehicle may be the same or different.

However, it is preferable that the number of payments for the trade-in vehicle does not exceed the number of payments for the purchased vehicle, and an error message may be displayed if the number of payments for the trade-in vehicle exceeds the number of payments for the purchased vehicle. Furthermore, the down payment (cash) included in the purchased vehicle loan basic information D7 and the trade-in price included in the trade-in vehicle loan basic information D8 may be configured to be applied to the remaining balance credit for the trade-in vehicle.

In the example of Figure 4, if "With bonus addition" is selected, an input form screen is displayed that accepts input of the bonus payment amount and number of bonus payments. Furthermore, if "With early repayment" is selected, an input form screen D14 is displayed that accepts input of the product eligible for early repayment, the early repayment amount, and the year and month of early repayment.

An example of the input form screen D13b for a twin auto loan is shown in Figure 5. The various information D5-D9 entered into the input form screen D13b includes dealer information D5, vehicle model information D6, basic information on the purchased vehicle loan D7, and basic information on the miscellaneous fee loan D9. The dealer information D5, vehicle model information D6, and basic information on the purchased vehicle loan D7 can be configured in the same way as the input form screen D13a for a twin auto loan.

Miscellaneous expense loan basic information D9 is payment information for miscellaneous expenses associated with a vehicle purchase, such as optional insurance premiums, vehicle inspection fees, and vehicle charging equipment fees. For example, if optional insurance is purchased in conjunction with a vehicle purchase, the miscellaneous expense loan basic information D9 can be insurance payment information including the optional insurance policy type code, optional insurance policy name, options, insurance premiums, number of payments, bonus payment amount, and information regarding early repayment. Furthermore, if charging equipment is purchased in conjunction with a vehicle purchase, the miscellaneous expense loan basic information D9 may include the price of the charging equipment itself, number of payments, and early repayment amount. In this way, the miscellaneous expense loan basic information D9 can be changed as appropriate to suit the miscellaneous expenses associated with the vehicle purchase. Furthermore, if a trade-in vehicle is available, the trade-in price may also be included in the miscellaneous expense loan basic information D9.

The input form screen D13b is also configured to allow the number of payments to be entered for both the purchased vehicle and miscellaneous fees. The number of payments for the purchased vehicle and miscellaneous fees may be the same or different. However, it is preferable that the number of payments for miscellaneous fees does not exceed the number of payments for the purchased vehicle, and an error message may be displayed if the number of payments for miscellaneous fees exceeds the number of payments for the purchased vehicle. The down payment (cash) and trade-in price included in the purchased vehicle loan basic information D7 may be configured to be applied to products in order of highest installment fees. Bonus payments and early repayments are configured in the same way as the input form screen D13a.

Because the nature of the products differ, the above explanation provides two basic pieces of information: trade-in vehicle loan basic information D8 and miscellaneous fee loan basic information D9, each of which is explained in detail using input form screens D13a and D13b. However, as mentioned above, the remaining balance on a previously purchased vehicle, included in trade-in vehicle loan basic information D8, can also be considered miscellaneous fees associated with the vehicle purchase. Therefore, miscellaneous fee loan basic information D9 can also be trade-in vehicle payment information, including the remaining balance credit, trade-in price, number of payments, etc. The configuration of the input form screen D13 and the type of information to be entered can also be modified as appropriate to suit the actual product.

When payment information with early repayment is entered on the input form screen D13 for Twin Reset Auto Loans and TWIN Auto Loans, the input form screen D14 stored in the form storage unit 22 is displayed on the display unit 24. Figure 6 shows an example of the input form screen D14. Figure 6 shows an example of the input form screen D14 when early repayment is selected on the input form screen D13b of Figure 5.

The input form screen D14 accepts input of information regarding early repayment, such as the selection of the product for which early repayment will be made, the payment date and amount. As is clear from Figure 6, the input form screen D14 allows the user to enter the payment date and amount for early repayment for each of Product I and Product II. Early repayment may be set for only Product I or only Product II. It may also be configured to be set for both Product I and Product II.

Note that Figure 6 shows the input form screen D14 for early repayment of a TWIN auto loan, so the applicable product is displayed as Product I or Product II. In the case of the input form screen D14 for early repayment of a Twin Reset auto loan, the applicable product options can be changed as appropriate, such as to select a purchased car or a trade-in car.

Returning to Figure 2, we will continue explaining the application terminal 2. The display unit 24 is a device that displays information visually by drawing characters, symbols, figures, etc. on an LCD display, organic EL display, LED display, etc., and displays input form screens D12-14 and trial calculation results D20 under the control of the web browser 21. The operation unit 23 is a device that accepts input operations by the operator of the application terminal 2, such as a keyboard, mouse, touch panel, or microphone, and accepts input of various information D4-D9.

The form generation unit 25 is primarily composed of a CPU and generates a form containing application information D10. This form is printed as a customer copy, etc. A form containing application information D10 is generated when a button requesting an application is pressed on the web browser 21.

(Application support device)
The application support device 1 includes a web server 10, a vehicle partial calculation unit 11, a miscellaneous expenses calculation unit 12, a unified calculation unit 13, and an application linking unit 14.

The web server 10 is primarily configured to include a CPU, and sends product master data D1 to the application terminal 2, receives request information D4, dealer information D5, vehicle model information D6, purchase vehicle loan basic information D7, trade-in vehicle loan basic information D8, and miscellaneous fee loan basic information D9 from the application terminal 2, and sends estimated calculation results D20 to the application terminal 2.

The vehicle portion calculation unit 11 is primarily composed of a CPU and includes a total payment calculation unit 11a, an installment fee calculation unit 11b, and a payment amount calculation unit 11c. The total payment calculation unit 11a is a processing unit that calculates the total payment amount for the vehicle portion. The total payment calculation unit 11a calculates the total payment amount for the vehicle portion using the vehicle price, option price, discount amount, down payment, bonus payment amount, early repayment amount, etc. included in the purchase vehicle loan basic information D7. In addition to the initial total payment amount, the total payment calculation unit 11a calculates the total payment amount for each payment based on the remaining balance each time the principal of the payment amount decreases.

The installment fee calculation unit 11b is a processing unit that calculates the vehicle installment fee. The reception device 4 is equipped with a vehicle installment fee memory unit 42, which stores the vehicle installment fee master data D2. The installment fee calculation unit 11b obtains vehicle installment fee information corresponding to the dealer information D5 from the vehicle installment fee master data D2 and uses this information for calculations. The installment fee calculation unit 11b calculates the installment fee for the remaining balance each time the principal payment amount decreases, and calculates the installment fee for each payment and the total installment fee payment amount.

The payment amount calculation unit 11c is a processing unit that calculates the payment amount for each payment for the vehicle portion. The payment amount calculation unit 11c calculates the payment amount for each payment included in the purchase vehicle loan basic information D7 based on the total payment amount for each payment for the vehicle portion calculated by the total payment amount calculation unit 11a and the installment fee for each payment for the vehicle portion calculated by the installment fee calculation unit 11b.

As mentioned above, one of the features of the twin auto loan of this embodiment is that the fee calculation method is the remaining balance method. If a remainder occurs in the payment amount for each vehicle payment calculated by the payment amount calculation unit 11c, this remainder is included in the final vehicle payment amount. Note that the resulting remainder does not necessarily have to be included in the final payment amount.

The miscellaneous expenses calculation unit 12 is primarily composed of a CPU and includes a total payment calculation unit 12a, an installment fee calculation unit 12b, and a payment amount calculation unit 12c. The total payment calculation unit 12a is a processing unit that calculates the total amount to be paid for miscellaneous expenses. The total payment calculation unit 12a calculates the total amount to be paid for miscellaneous expenses using the product price, option price, discount amount, down payment, bonus payment amount, early repayment amount, etc. included in the miscellaneous expenses loan basic information D9. In addition to the initial total payment amount, the total payment calculation unit 12a calculates the total payment amount for each payment based on the remaining balance each time the principal of the payment amount decreases.

The installment fee calculation unit 12b is a processing unit that calculates installment fees for miscellaneous expenses. The reception device 4 is equipped with a miscellaneous expenses installment fee memory unit 43, which stores the miscellaneous expenses installment fee master D3. The installment fee calculation unit 12b obtains miscellaneous expenses installment fee information corresponding to the dealer information D5 from the miscellaneous expenses installment fee master D3 and uses this information for calculations. The installment fee calculation unit 12b calculates the installment fee for the remaining balance each time the principal payment amount decreases, and calculates the installment fee for each payment and the total installment fee payment amount.

The payment amount calculation unit 12c is a processing unit that calculates the payment amount for each payment of miscellaneous expenses. The payment amount calculation unit 12c calculates the payment amount for each payment of miscellaneous expenses included in the miscellaneous expenses loan basic information D9 based on the total payment amount for each payment of miscellaneous expenses calculated by the total payment amount calculation unit 12a and the installment fee for each payment of miscellaneous expenses calculated by the installment fee calculation unit 12b.

If the payment amount for each payment of miscellaneous expenses calculated by the payment amount calculation unit 12c contains a fraction, this fraction will be included in the final payment amount for miscellaneous expenses. However, the resulting fraction does not necessarily have to be included in the final payment amount.

The consolidation calculation unit 13, which is primarily composed of a CPU, adds up the calculation results of the vehicle portion calculation unit 11 and the miscellaneous expenses calculation unit 12 to obtain the total payment amount for the product that combines vehicle and insurance and the consolidated payment amount for each payment. The consolidation calculation unit 13 adds up the payment amount for each vehicle payment and the payment amount for each miscellaneous expenses payment according to the number of vehicle payments and the number of miscellaneous expenses payments, and calculates the consolidated payment amount for each payment. This obtained information is sent to the application terminal 2 as the estimated calculation result D20.

The application linking unit 14 is primarily configured to include a CPU, and transmits the application information D10 received from the application terminal 2 to the reception device 4.

Here, the payment amounts for each payment calculated by the vehicle partial calculation unit 11, miscellaneous expenses calculation unit 12, and unified calculation unit will be explained in detail with reference to Figures 7(a) and (b). Note that in the following explanation, the miscellaneous expenses calculation unit 12 will be described as performing calculations related to optional insurance premiums.

First, we will explain how to calculate the payment amount when the number of payments included in the purchase vehicle loan basic information D7 and the number of payments included in the miscellaneous fee loan basic information D9 are the same. Figure 7(a) is a schematic diagram showing the payment amount when the number of payments included in the purchase vehicle loan basic information D7 is 30, and the number of payments included in the miscellaneous fee loan basic information D9 is the same, 30.

The total payment calculation unit 11a of the vehicle portion calculation unit 11 calculates the total payment amount for each vehicle portion payment based on the purchase vehicle loan basic information D7. The installment fee calculation unit 11b calculates the installment fee for each vehicle portion payment. The payment amount calculation unit 11c then calculates the payment amount for each payment based on the total payment amount for each vehicle portion payment and the installment fee for each payment.

The remainder resulting from the payment amount for each payment calculated by the payment amount calculation unit 11c is included in the vehicle portion for the 30th payment, which is the final payment. In other words, the vehicle portion calculation unit 11 treats the payment amounts for the 1st through 29th payments as the calculated payment amounts for each payment for the vehicle portion, and the 30th payment amount as the calculated payment amount for each payment for the vehicle portion with the remainder included.

Similarly, the total payment calculation unit 12a of the miscellaneous expenses calculation unit 12 calculates the total payment amount for each miscellaneous expenses payment based on the miscellaneous expenses loan basic information D9. The installment fee calculation unit 12b calculates the installment fee for each miscellaneous expenses payment. The payment amount calculation unit 11c then calculates the payment amount for each payment based on the total payment amount for each miscellaneous expenses payment and the installment fee for each payment.

The fractional part resulting from the payment amount for each payment calculated by the payment amount calculation unit 12c is included in the payment amount for the 30th payment, which is the final payment. In other words, the miscellaneous expenses calculation unit 12 considers the payment amounts for the 1st through 29th payments to be the calculated payment amounts for each payment, and the 30th payment amount to be the calculated payment amount for each payment, with the fractional part included.

The consolidation calculation unit 13 adds up the total payment amount for the vehicle portion and the total payment amount for various expenses to obtain the total payment amount for the twin loan. The consolidation calculation unit 13 also adds up the payment amount for the vehicle portion and the payment amount for various expenses for each payment to obtain the consolidated payment amount for each payment in the twin loan.

Specifically, the consolidation calculation unit 13 adds up the payment amount for the vehicle portion of the first payment and the payment amount for miscellaneous expenses in the first payment to calculate the consolidated payment amount for the first payment in the twin loan. In the example of Figure 7(a), the payment amounts for the first through 29th payments in the twin loan are the same, so the summation of payments 2 through 29 can be omitted and the consolidated payment amount for the first payment can be used.

However, for the 30th payment, which is the final payment, fractional payments are recorded for both the vehicle portion payment and the miscellaneous expenses payment. Therefore, the consolidation calculation unit 13 adds up the vehicle portion payment amount for the 30th payment and the miscellaneous expenses payment amount for the 30th payment to calculate the consolidated payment amount for the 30th twin loan payment. As described above, when the number of vehicle portion payments and the number of miscellaneous expenses payments are the same, 30, the consolidation calculation unit 13 calculates two consolidated payment amounts: the consolidated payment amounts for the 1st to 29th twin loan payments, and the 30th consolidated payment amount.

Next, we will explain how to calculate the payment amount when the number of payments included in the purchase vehicle loan basic information D7 and the number of payments included in the miscellaneous expenses loan basic information D9 differ. Figure 7(b) is a schematic diagram showing the payment amount when the number of payments included in the purchase vehicle loan basic information D7 is 30 and the number of payments included in the miscellaneous expenses loan basic information D9 is 15.

The calculations performed by the vehicle portion calculation unit 11 are the same as those in Figure 7(a). That is, the vehicle portion calculation unit 11 calculates the first through 29th payment amounts as the calculated payment amounts for each vehicle portion payment, and calculates the 30th payment amount as the calculated payment amount for each vehicle portion payment with any fractional part added.

Next, the total payment calculation unit 12a of the miscellaneous expenses calculation unit 12 calculates the total payment amount for each miscellaneous expenses payment based on the miscellaneous expenses loan basic information D9. The installment fee calculation unit 12b calculates the installment fee for each miscellaneous expenses payment. The payment amount calculation unit 11c then calculates the payment amount for each payment based on the total payment amount for each miscellaneous expenses payment and the installment fee for each payment.

The fractional part resulting from the payment amount for each payment calculated by the payment amount calculation unit 12c is included in the payment amount for the 15th payment, which is the final payment. In other words, the miscellaneous expenses calculation unit 12 considers the payment amounts for the first through 14th payments to be the calculated payment amounts for each payment, and the 15th payment amount to be the calculated payment amount for each payment, with the fractional part included.

The consolidation calculation unit 13 adds up the total payment amount for the vehicle portion and the total payment amount for various expenses to obtain the total payment amount for the twin loan. The consolidation calculation unit 13 also adds up the payment amount for the vehicle portion and the payment amount for various expenses for each payment to obtain the consolidated payment amount for each payment in the twin loan.

Specifically, the consolidation calculation unit 13 adds up the payment amount for the vehicle portion of the first payment and the payment amount for miscellaneous expenses in the first payment to calculate the consolidated payment amount for the first payment in the twin loan. In the example of Figure 7(b), the payment amounts for the first through fourteenth payments in the twin loan are the same, so the summation of the second through fourteenth payments can be omitted and the consolidated payment amount for the first payment can be used.

However, for the 15th payment, which is the final payment of miscellaneous expenses, a fractional part is included in the payment amount for miscellaneous expenses. Therefore, the consolidation calculation unit 13 adds up the payment amount for the vehicle portion of the 15th payment and the payment amount for miscellaneous expenses in the 15th payment, and calculates the consolidated payment amount for the 15th payment for the twin loan. The payment of miscellaneous expenses will end with this 15th payment.

Therefore, the consolidation calculation unit 13 can use the vehicle portion payment amount calculated by the vehicle portion calculation unit 11 as the consolidation payment amount for the twin loan. The payment amounts for the 16th through 29th payments for the twin loan will be the same consolidation payment amount based on the value calculated by the vehicle portion calculation unit 11. However, for the 30th payment, which is the final payment, a fractional amount is included in the vehicle portion payment amount. Therefore, the consolidation calculation unit 13 uses the vehicle portion payment amount for the 30th payment as the consolidation payment amount for the 30th payment for the twin loan. As described above, if the number of vehicle portion payments and the number of miscellaneous fee payments differ, the consolidation calculation unit 13 will calculate four consolidation payment amounts for the twin loan: the 1st through 14th payments, the 15th payment, the 16th through 29th payments, and the 30th payment.

(Reception device)
The reception device 4 includes a product master storage unit 41, a vehicle installment fee storage unit 42, a miscellaneous expenses installment fee storage unit 43, and an application linkage unit 44. The product master storage unit 41, the vehicle installment fee storage unit 42, and the miscellaneous expenses installment fee storage unit 43 are mainly configured to include auxiliary storage devices. The application linkage unit 44 is mainly configured to include a CPU.

The product master storage unit 41 stores the product master D1. The product master D1 is an attribute database for various vehicles. The product master D1 is transmitted to the application terminal 2 via the application support device 1 and is used to support the input of vehicle model information D6.

The vehicle installment fee memory unit 42 stores the vehicle installment fee master data D2. The vehicle installment fee master data D2 is read into the vehicle portion calculation unit 11 and used to calculate the installment fee for the vehicle portion. The vehicle installment fee master data D2 stores vehicle installment fee information. The miscellaneous expenses installment fee memory unit 43 stores the miscellaneous expenses installment fee master data D3. The miscellaneous expenses installment fee master data D3 stores installment fee information for miscellaneous expenses. The miscellaneous expenses installment fee master data D3 is read into the miscellaneous expenses calculation unit 12 and used to calculate the installment fee for miscellaneous expenses. The vehicle portion calculation unit 11 and the miscellaneous expenses calculation unit 12 read the vehicle installment fee master data D2 and the miscellaneous expenses installment fee master data D3 only when logging in for the first time each day.

The application linking unit 44 transmits the application information D10. The transmission timing is when the application information D10 transmitted from the application support device 1 passes the screening based on the application information D10.

(process)
8 is a sequence diagram showing the operation of such a loan application system 100. First, the application support device 1 logs in to the reception device 4 in response to an operation by an administrator on the service provider company 1A side (step S01). At the first login of the day, the application support device 1 reads the vehicle installment fee master data D2 and the miscellaneous expenses installment fee master data D3 from the reception device 4 (step S02).

At dealerships 2A, 2B, etc., as vehicle negotiations progress and involve loan calculations, application terminals 2 are used. Product master data D1, which is used to assist in the input of vehicle model information D6, is loaded into the application terminals 2 (step S03). That is, the web browser 21 of the application terminals 2 requests the product master data D1 from the application support device 1, and the web server 10 of the application support device 1 responds by sending the product master data D1 stored in the product master data storage unit 41 of the reception device 4 to the application terminals 2.

The web browser 21 of the application terminal 2 displays the input form screens D12-D14 from the form storage unit 22 on the display unit 24. Employees of the retail stores 2A, 2B, etc. use the operation unit 23 to input various pieces of information D4-D9 while checking the input form screens D12-D14 displayed on the display unit 24 (step S04).

By performing an execution command, such as pressing a button to execute the calculation, request information D4 is sent to the application support device 1 (step S05), dealer information D5 is sent to the application support device 1 (step S06), purchased vehicle loan basic information D7 is sent to the application support device 1 (step S07), vehicle model information D6 is sent to the application support device 1 (step S08), and trade-in vehicle loan basic information D8 or miscellaneous fee loan basic information D9 is sent to the application support device 1 (step S09). The order in which information D4 to D9 is sent or entered is not particularly limited, and any order is acceptable.

Once the application support device 1 receives the various information D4 to D9, it calculates the loan amount (step S10). Figure 9 is a sequence diagram showing the detailed operation of the loan calculation. As shown in step S02 of Figures 8 and 9, the vehicle partial calculation unit 11 and the miscellaneous expenses calculation unit 12 receive the vehicle installment fee master data D2 and the miscellaneous expenses installment fee master data D3 upon initial login.

As shown in FIG. 9 , in calculating the loan (step S10), the vehicle portion calculation unit 11 calculates the vehicle portion loan using the vehicle installment fee master data D2 and the purchase vehicle loan basic information D7 input by the application terminal 2 (step S101) (step S103). Separately from the vehicle portion calculation unit 11, the miscellaneous expenses calculation unit 12 calculates the miscellaneous expenses loan using the miscellaneous expenses installment fee master data D3 and the miscellaneous expenses loan basic information D9 input by the application terminal 2 (step S102) (step S104). In calculating the loan, the total payment amount for each payment for the vehicle portion, the installment fee for each payment for the vehicle portion, the payment amount for each payment for the vehicle portion, the bonus payment amount for the vehicle portion, the early repayment amount for the vehicle portion, the total payment amount for each payment for the miscellaneous expenses, the installment fee for each payment for the miscellaneous expenses, the payment amount for each payment for the miscellaneous expenses, the bonus payment amount for the miscellaneous expenses, and the early repayment amount for the miscellaneous expenses are calculated.

Once the loan calculations for the vehicle portion and miscellaneous expenses have been completed, the consolidation calculation unit 13 uses the results of the vehicle portion loan calculation and the miscellaneous expenses loan calculation (step S105) to perform calculations for the product that combines the vehicle and miscellaneous expenses (step S016). That is, it calculates the total payment amount for the combined product, which is the sum of the total vehicle payment amount and the total miscellaneous expenses payment amount. It also calculates the total installment payment fees for the combined product, which is the sum of the installment payment fees for the vehicle portion and the installment payment fees for the miscellaneous expenses.

Next, the consolidated payment amount is calculated by adding together the payment amount for each vehicle payment and the payment amount for each miscellaneous expense payment, depending on the number of vehicle payments and the number of miscellaneous expense payments. Alternatively, the total bonus payment amount for the consolidated product may be calculated by adding together the bonus payment amount for the vehicle portion and the bonus payment amount for miscellaneous expenses, or the total bonus payment amount for the consolidated product may be calculated by adding together the amount of early repayment for the vehicle portion and the amount of early repayment for miscellaneous expenses.

Returning to Figure 8, when the loan calculation for the combined vehicle and miscellaneous expenses product is complete, the web server 10 transmits the estimated calculation result D20, which is the result of the loan calculation, to the application terminal 2 (step S11). The application terminal 2 displays various information, including the estimated calculation result D20, on the display unit 24, and if the application for a contract proceeds, the applicant's information is entered using the operation unit 23 (step S12).

The web browser 21 then displays application information D10, which includes the applicant's information, for the product that combines the vehicle and miscellaneous fees corresponding to the payment information represented by the various information D4-D9 and the estimated calculation result D20, and sends it if the content is correct (step S13). The destination is the application support device 1, but the application linkage unit 14 of the application support device 1 sends the received application information D10 to the reception device 4. The reception device 4 stores this application information D10. The application information D10 stored in the reception device 4 is used for screening.

If the screening is successful, the application linkage unit 44 of the reception device 4 sends the application information D10 to the core device 5 (step S14). Because the screening has passed and the contract has been concluded by the time the application information D10 is sent to the core device 5, it can also be said that the application information D10 becomes contract information D10 at the time of transmission. The core device 5 registers the received contract information D10, and the registered contract information D10 is used for operations such as sales and payment management.

(Specific calculation example 1)
In the above process, specific examples are shown below for the payment amounts calculated by the vehicle portion calculation unit 11, the miscellaneous expenses calculation unit 12, and the unified calculation unit 13. For example, when the input is made as shown in Figure 4 on the Twin Reset Auto Loan input form screen D13a, the payment amount is calculated as follows:

Referring to Table 1, the total payment calculation unit 11a of the vehicle portion calculation unit 11 calculates the initial total payment amount for the vehicle portion of 10,406,000 yen based on the purchase vehicle loan basic information D7. Furthermore, the total payment calculation unit 11a calculates the total payment amount for each payment for the vehicle portion based on the remaining balance each time the principal of the payment amount for the vehicle portion decreases. The installment fee calculation unit 11b calculates the installment fee for the remaining balance each time the principal of the payment amount decreases, and calculates the installment fee for the vehicle portion for each payment. Furthermore, the installment fee calculation unit 11b calculates the total payment amount for the installment payment fee for the vehicle portion of 627,750 yen. The payment amount calculation unit 11c calculates the payment amount for each payment for the 48 payments of 229,870 yen based on the total payment amount for each payment for the vehicle portion and the installment fee for each payment.

Note that the fractional payment amount calculated by the payment amount calculation unit 11c, -10 yen, is included in the payment amount for the vehicle portion of the 48th payment, which is the final payment. Therefore, the payment amount for the vehicle portion of the 48th payment is 229,860 yen.

Similarly, the total payment calculation unit 12a of the miscellaneous expenses calculation unit 12 calculates the initial total payment amount of 2,000,000 yen for miscellaneous expenses based on the trade-in vehicle loan basic information D8. Furthermore, the total payment calculation unit 12a calculates the total payment amount for each miscellaneous expense payment based on the remaining balance each time the principal payment amount for the vehicle portion decreases. The installment fee calculation unit 12b calculates the installment fee for the remaining balance each time the principal payment amount decreases, and calculates the installment fee for miscellaneous expenses for each payment. Furthermore, the installment fee calculation unit 12b calculates the total payment amount for installment fees for miscellaneous expenses of 270,740 yen. The payment amount calculation unit 11c calculates the payment amount for each 24 payment periods of 94,614 yen based on the total payment amount for each payment period for miscellaneous expenses and the installment fee for each payment period.

Note that the fractional payment amount calculated by the payment amount calculation unit 12c, +4 yen, is included in the payment amount for miscellaneous expenses for the 24th and final payment. Therefore, the payment amount for the vehicle portion of the 48th payment will be 94,618 yen.

Finally, the consolidation calculation unit 13 adds the payment amount for the vehicle portion and the payment amount for miscellaneous expenses for each payment to calculate the consolidated payment amount for each payment. For the first through 23rd payments, the consolidation calculation unit 13 adds the payment amount for the vehicle portion of 229,870 yen and the payment amount for miscellaneous expenses of 94,614 yen to calculate a consolidated payment amount for the first through 23rd payments of 324,484 yen.

The payment amount for miscellaneous expenses for the 24th payment includes a fraction. Therefore, the consolidation calculation unit 13 adds the payment amount for each vehicle payment of 229,870 yen to the final payment amount for miscellaneous expenses of 94,618 yen to calculate a consolidated payment amount for the 24th payment of 324,488 yen.

Since the miscellaneous expenses are paid in 24 installments, only the vehicle portion remains from the 25th installment onwards. Therefore, the consolidation calculation unit 13 calculates the vehicle portion payment amount for each installment, 229,870 yen, as the consolidated payment amount for the 25th through 47th installments. The vehicle portion payment amount for the 24th installment includes a fractional part. Therefore, the consolidation calculation unit 13 calculates the final vehicle portion payment amount, 229,860 yen, as the consolidated payment amount for the 48th installment.

(Specific calculation example 2)
Further examples are shown below for calculation of each payment amount calculated by the vehicle portion calculation unit 11, the miscellaneous expenses calculation unit 12, and the unification calculation unit 13. For example, when the data is entered as shown in Figure 5 on the input form screen D13b for a twin auto loan, the payment amount is calculated as follows. Note that the spot repayment setting is calculated assuming that 50,000 yen will be made for product I in November 2023, as shown in Figure 6.

Referring to Table 2, the total payment calculation unit 11a of the vehicle portion calculation unit 11 calculates the initial total payment amount for the vehicle portion of 80,000,000 yen based on the purchase vehicle loan basic information D7. Furthermore, the total payment calculation unit 11a calculates the total payment amount for each payment for the vehicle portion based on the remaining balance each time the principal of the payment amount for the vehicle portion decreases. The installment fee calculation unit 11b calculates the installment fee for the remaining balance each time the principal of the payment amount decreases, and calculates the installment fee for the vehicle portion for each payment. Furthermore, the installment fee calculation unit 11b calculates the total payment amount for the installment payment fee for the vehicle portion of 7,878,741 yen. The payment amount calculation unit 11c calculates the payment amount for each payment for the 84 payments of 1,046,282 yen based on the total payment amount for each payment for the vehicle portion and the installment fee for each total payment amount.

In this example, the above calculation is performed taking into account the fact that an early repayment of 50,000 yen will be made in November 2023. In other words, the total payment amount and installment fee for each subsequent payment is calculated assuming that an early repayment of 50,000 yen has been repaid in addition to the payment amount for each payment for the remaining balance as of November 2023.

The fractional payment amount for each payment calculated by the payment amount calculation unit 11c, -58,912 yen, is recorded as the payment amount for the vehicle portion of the 84th payment, which is the final payment. Note that the payment amount for each payment or the number of payments may change due to early repayment, and even in such cases, if a fractional amount arises, it can be recorded as the final payment amount. Therefore, the 48th payment amount for the vehicle portion will be 987,335 yen.

Similarly, the total payment calculation unit 12a of the miscellaneous expenses calculation unit 12 calculates the initial total payment amount of 4,950,000 yen for miscellaneous expenses based on the miscellaneous expenses loan basic information D9 by subtracting the down payment (cash) of 20,000 yen and the trade-in price of 30,000 yen from the miscellaneous expenses price of 5,000,000 yen. Furthermore, the total payment calculation unit 12a calculates the total payment amount for each miscellaneous expenses payment based on the remaining balance each time the principal payment amount for the vehicle portion decreases. The installment fee calculation unit 12b calculates the installment fee for the remaining balance each time the principal payment amount decreases, and calculates the installment fee for miscellaneous expenses for each payment. Furthermore, the installment fee calculation unit 12b calculates the total payment amount for miscellaneous expenses installment fees of 452,912 yen. The payment amount calculation unit 11c then calculates the payment amount for each payment of 90,049 yen for 60 payments based on the total payment amount for each miscellaneous expenses payment and the installment fee for each payment.

Note that the fractional payment amount for each payment calculated by the payment amount calculation unit 12c, +3 yen, is included in the payment amount for the 60th and final payment. Therefore, the payment amount for the vehicle portion of the 60th payment is 90,021 yen.

Finally, the consolidation calculation unit 13 adds the payment amount for the vehicle portion and the payment amount for miscellaneous expenses for each payment to calculate the consolidated payment amount for each payment. For the first through 59th payments, the consolidation calculation unit 13 adds the payment amount for the vehicle portion of 1,046,282 yen and the payment amount for miscellaneous expenses of 90,049 yen to calculate a consolidated payment amount for the first through 59th payments of 1,136,331 yen.

The payment amount for miscellaneous expenses for the 60th payment includes a fraction. Therefore, the consolidation calculation unit 13 adds the payment amount for each vehicle payment of 1,046,282 yen to the final payment amount for miscellaneous expenses of 90,021 yen to calculate the consolidated payment amount for the 60th payment of 1,136,303 yen.

Since there are 60 payments for miscellaneous expenses, only payments for the vehicle portion remain from the 61st payment onwards. Therefore, the consolidation calculation unit 13 calculates the payment amount for each vehicle portion payment of 1,046,282 yen as the consolidated payment amount for payments 61 through 83. The payment amount for the vehicle portion for the 84th payment includes a fraction. Therefore, the consolidation calculation unit 13 calculates the final vehicle portion payment of 987,335 yen as the consolidated payment amount for the 48th payment.

(effect)
Input form screens D12 to D14 are displayed on the display unit 24 by scrolling and transitioning the screen. This displays fields for inputting purchase vehicle loan basic information D7, trade-in vehicle loan basic information D8, and miscellaneous fee loan basic information D9. The applicant does not need to input information about the vehicle and miscellaneous fees twice, and input form screens D12 to D14 are seamlessly connected by scrolling and screen transitions, so the applicant can proceed with the procedure as if the vehicle and the miscellaneous fees associated with the vehicle purchase were a single contract.

In addition, on input form screen D14, information regarding early repayments for both the vehicle and miscellaneous expenses can be entered. This makes it possible to carry out the procedures as a single contract and realize the applicant's desired payment plan for both the vehicle and miscellaneous expenses.

Figure 10 is a schematic diagram showing a printed form of application information D10. As shown in Figure 10, one sheet or series of application information D10 lists the payment for the vehicle portion, payment for various expenses, and the total payment, and from the applicant's perspective, the vehicle and insurance appear to be a single contract.

(effect)
The effects of the moving device of this embodiment as described above are as follows.
(1) An operation unit 23 for inputting vehicle payment information including the vehicle payment amount and number of payments, and miscellaneous expense payment information including the payment amount and number of payments for various expenses associated with the purchase of a vehicle; a vehicle installment fee memory unit 42 for storing a master of vehicle installment fee information; a miscellaneous expense installment fee memory unit 43 for storing a master of miscellaneous expense installment fee information; a vehicle portion calculation unit 11 for calculating the vehicle payment amount for each vehicle payment and the total vehicle portion payment amount based on the vehicle payment information and the vehicle installment fee information by referring to the master of the miscellaneous expense installment fee memory unit; The system is provided with a miscellaneous expenses calculation unit 12 that calculates the payment amount for each payment of expenses and the total payment amount for various expenses, and a consolidation calculation unit 13 that adds up the payment amount for each payment of the vehicle and the payment amount for each payment of various expenses according to the number of payments of the vehicle and the number of payments of various expenses to calculate a consolidated payment amount for each payment, and adds up the total vehicle portion payment amount and the total miscellaneous expenses payment amount to calculate the total consolidated payment amount, wherein the vehicle portion calculation unit 11 calculates the payment amount for each payment of the vehicle based on the remaining debt amount for the vehicle portion and the installment fee for the remaining debt amount for the vehicle portion, and the miscellaneous expenses calculation unit 12 calculates the payment amount for each payment of various expenses based on the remaining debt amount for various expenses and the installment fee for the remaining debt amount for the miscellaneous expenses.

Instalment fee information for the vehicle and installment fee information for miscellaneous expenses are stored separately, with the vehicle portion calculation unit 11 making payments for the vehicle portion and the miscellaneous expenses calculation unit 12 making payments for the miscellaneous expenses. The vehicle portion calculation unit 11 then performs calculations based on the remaining vehicle debt and the installment fees for this remaining debt. The miscellaneous expenses calculation unit 12 also performs calculations based on the remaining debt for miscellaneous expenses and the installment fees for this remaining debt.

This makes it appear as if the vehicle purchaser or dealer has concluded a loan contract that combines the vehicle and various fees. Therefore, there is no need to apply separately for the purchase of the vehicle and the purchase of products related to various fees. There is no need to separately enter vehicle information or the purchaser's address and name, etc., simplifying the process of purchasing a vehicle and subscribing to products related to various fees.

Furthermore, both the vehicle partial calculation unit 11 and the miscellaneous expenses calculation unit 12 calculate the payment amount for each payment based on the remaining balance and the installment fee for that remaining balance. Therefore, even if the actual remaining balance changes after the loan contract is concluded due to a change in the loan payment plan, it is possible to recalculate the payment amount for each payment based on the remaining balance after early repayment and the installment fee for that remaining balance. In other words, because a loan payment plan that can accommodate changes made after the contract is concluded is calculated at the time of loan application, it is possible to make early repayments, for example, after loan payments have begun.

(2) Further provided is a display unit 24, which displays a series of input form screens D12 to D14 for inputting vehicle payment information and miscellaneous expense payment information, and the input form screens D12 to D14 include an input form screen D14 that accepts input of information regarding early repayment for each of the vehicle payment information and miscellaneous expense payment information.

This allows applicant information to be entered only once when purchasing a vehicle and various expenses, making it appear as a single, unified contract, and increasing convenience. As described above, in this embodiment, the vehicle calculation unit 11 calculates the payment for the vehicle, and the various expenses calculation unit 12 calculates the payment for the various expenses. Even though it may appear at first glance that a single unified contract has been made, separate calculations are performed for each payment amount. Therefore, it is possible to accept input of information regarding early repayment for both the vehicle and various expenses.

For example, subsidies may be provided when purchasing an electric vehicle. Subsidies may also be provided when purchasing charging equipment for electric vehicles. In such cases, the loan application system of this embodiment can accommodate requests to make early repayments using the respective subsidies for the vehicle payment and miscellaneous fee payments. Subsidies are often provided several months or more after application, but it is possible to calculate a loan payment plan that allows early repayments to be made after these subsidies have been provided at the time of loan application.

(3) When information regarding early repayment is entered on the input form screen D14, at least one of the vehicle portion calculation unit 11 and the miscellaneous expenses calculation unit 12 performs a calculation that takes into account the information regarding early repayment, and the display unit 24 displays the estimated calculation results D20, which include information regarding early repayment.

By using the information entered regarding early repayment to calculate the vehicle payment amount and/or the payment amount for various expenses, and displaying the estimated results D20 including information regarding early repayment, the applicant can more clearly understand their payment plan.

As described above, application terminal 2 is located at sales outlet 2A, 2B, etc. Typically, sales outlets 2A, 2B, etc. only handle the business of accepting applications for loan products, and employees rarely have a full understanding of the specific details of the loan products, such as loan repayment amounts and installment fees. With loan application system 100, estimate result D20 can be displayed based on the input information, making it possible for detailed estimate result D20 to be displayed even by an employee of sales outlet 2A, 2B, etc. Because estimate result D20, including information regarding early repayment, can be calculated without going through core device 5, it becomes possible to perform simulations under various estimate conditions before an actual loan application is made, providing applicants with useful information.

(4) An application information storage unit is provided that stores information output by the operation unit 23, vehicle partial calculation unit 11, miscellaneous expense calculation unit 12, and unified calculation unit 13.

In this embodiment, the application information storage unit is the reception device 4 or the core device 5. This makes not only the application process, but also the screening, contract, and post-contract operations seamless.

(5) A report generation unit 25 is provided that generates a report that compiles the information output by the operation unit 23, vehicle partial calculation unit 11, miscellaneous expense calculation unit 12, and unified calculation unit 13 into a single report.

This allows applicants and retailers to see the application information D10 in a single document as if they were entering into a single, unified contract, increasing convenience.

(6) The operation unit 23 accepts input of applicant information, and the report generation unit 25 generates a report containing application information with the applicant's information attached to the information output by the operation unit 23, vehicle partial calculation unit 11, miscellaneous expense calculation unit 12, and unified calculation unit 13.

This means that when purchasing a vehicle and other items related to fees, applicant information only needs to be entered once, making it appear as a single, unified contract and increasing convenience.

(Other embodiments)
Although the embodiments of the present invention have been described above, various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. These embodiments and modifications are included in the scope and spirit of the inventions, and are also included in the inventions and their equivalents as set forth in the claims.

(1) In the above embodiment, an application terminal 2 installed at a vehicle dealership 2A, 2B, etc. is provided, and an application support device 1 is communicatively connected to the application terminal 2 via a network 3. The application terminal 2 has an operation unit 23, and the application support device 1 has a vehicle partial calculation unit 11, an expenses calculation unit 12, and a consolidated calculation unit 13.

In addition to this embodiment, the application terminal 2 may also have an operation unit 23, a vehicle partial calculation unit 11, an expenses calculation unit 12, and a consolidated calculation unit 13, and may transmit information output by the operation unit 23, the vehicle partial calculation unit 11, the expenses calculation unit 12, and the consolidated calculation unit 13 to the application support device 1.

(2) As shown in FIG. 11, when information regarding early repayment is entered on the input form screen D14, the display unit 24 can be configured to display the early repayment simulation result R based on the payment trial result D20 calculated by the application support device 1. The simulation result R may display the current payment plan, changes due to early repayment, the payment plan after early repayment, etc. By displaying the simulation result R linked to the information regarding early repayment entered on the input form screen D14, it becomes possible to plan early repayment while checking changes to the payment plan due to early repayment at any time.

(3) As described above, the reception device 4 and core device 5 include an application information storage unit, which stores information output by the vehicle portion calculation unit 11, miscellaneous expense calculation unit 12, and consolidation calculation unit 13. Therefore, not only applications but also screening, contracts, and post-contract operations can be carried out seamlessly via the loan application system 100. After the contract is signed, the core device 5 manages the loan debt amount, etc. The core device 5 is equipped with a vehicle debt amount storage unit that stores the debt amount for the vehicle portion, a miscellaneous expense debt amount storage unit that stores the debt amount for miscellaneous expenses, and a consolidation debt amount storage unit that stores the consolidated debt amount. The core device 5 may include a vehicle debt advance repayment execution unit and a miscellaneous expense debt advance repayment execution unit.

Each early repayment execution unit debits the early repayment amount from a specified account based on the early repayment request sent from the reception device 4. The reception device 4 or core device 5 may also have an update unit that updates the debt amount information stored in the vehicle debt amount memory unit or miscellaneous expense debt amount memory unit in response to an early repayment. The update unit updates the debt amount information in the debt amount memory unit so that the debt amount is reduced by the amount of the early repayment. The debt amount stored in the consolidation debt amount memory unit is also updated in conjunction with this update.

Early repayments may result in new fractional amounts in the monthly repayment amount that did not exist at the time of the loan application. When an application and contract are made via the loan application system 100, the vehicle portion calculation unit 11 and miscellaneous expenses calculation unit 12 perform calculations based on the remaining balance and the installment fee for this remaining balance. Therefore, it is possible to recalculate the payment amount for each payment period from the remaining balance of the repayment amount resulting from the actual early repayment and the installment fee for the remaining balance.

100: Loan application system 1A: Service provider 1: Application support device 4: Reception device 5: Core device 2A, 2B...: Dealer 2: Application terminal 3: Network 10: Web server 11: Vehicle partial calculation unit 11a: Total payment calculation unit 11b: Installment fee calculation unit 11c: Payment amount calculation unit 12: Miscellaneous expenses calculation unit 12a: Total payment calculation unit 12b: Installment fee calculation unit 12c: Payment amount calculation unit 13: Consolidation calculation unit 14: Application linkage unit 21: Web browser 22: Form storage unit 23: Operation unit 24: Display unit 25: Report generation unit 41: Product master storage unit 42: Vehicle installment fee storage unit 43: Miscellaneous expenses installment fee storage unit 44: Application linkage units D12-14: Input form screen B: Button R: Simulation result

Claims (9)

A loan application system that allows multiple products to be consolidated into one contract,
an operation unit for inputting vehicle payment information including the payment amount and number of payments for the vehicle, and various expense payment information including the payment amount and number of payments for various expenses associated with the purchase of the vehicle;
a vehicle installment fee storage unit that stores master information on the vehicle installment fee;
a miscellaneous expenses installment fee storage unit for storing master data of the installment fee information of the miscellaneous expenses;
a vehicle portion calculation unit that refers to the master of the vehicle installment fee storage unit and calculates the payment amount for each vehicle payment and the total vehicle portion payment amount based on the vehicle payment information and the vehicle installment fee information;
a miscellaneous expenses calculation unit that refers to the master of the miscellaneous expenses installment fee storage unit, and calculates the payment amount for each payment of the miscellaneous expenses and the total payment amount of the miscellaneous expenses based on the miscellaneous expenses payment information and the miscellaneous expenses installment fee information;
a consolidation calculation unit that calculates a consolidated payment amount for each payment by adding up the payment amount for each vehicle payment and the payment amount for each miscellaneous expense payment according to the number of vehicle payments and the number of miscellaneous expense payments, and calculates a consolidated payment amount for each payment by adding up the total vehicle payment amount and the total miscellaneous expense payment amount;
Equipped with
the vehicle partial calculation unit calculates the payment amount for each payment period for the vehicle based on the remaining amount for each payment period for the vehicle and an installment fee for the remaining amount for each payment period for the vehicle;
The miscellaneous expenses calculation unit is a loan application system that calculates the payment amount for each payment of the miscellaneous expenses based on the remaining balance for each payment of the miscellaneous expenses and the installment fee for the remaining balance for each payment of the miscellaneous expenses. Further comprising a display unit,
the display unit displays a series of input form screens for inputting the vehicle payment information and the miscellaneous expense payment information;
2. The loan application system according to claim 1, wherein the input form screen includes an input form screen for accepting input of information regarding early repayment for each of the vehicle payment information and the miscellaneous expense payment information. When the information regarding the early repayment is entered on the input form screen,
At least one of the vehicle portion calculation unit and the miscellaneous expense calculation unit performs calculations taking into account information regarding the early repayment,
3. The loan application system according to claim 2, wherein the display unit displays the trial calculation results including information regarding the early repayment. an application information storage unit that stores information output by the operation unit, the vehicle partial calculation unit, the miscellaneous expenses calculation unit, and the unified calculation unit;
3. The loan application system according to claim 1 or 2, wherein: a report generation unit that generates a report that compiles information output by the operation unit, the vehicle partial calculation unit, the miscellaneous expense calculation unit, and the unified calculation unit;
3. The loan application system according to claim 1 or 2, wherein: the operation unit accepts input of applicant information,
the report generation unit generates a report containing application information to which information of the applicant is attached, for the information output by the operation unit, the vehicle partial calculation unit, the miscellaneous expense calculation unit, and the unified calculation unit;
6. The loan application system according to claim 5, an application terminal installed at a vehicle dealership;
an application support device communicably connected to the application terminal via a network;
a reception device connected to the application support device and configured to store application information transmitted from the application terminal via the application support device;
a core device that manages loans based on the application information;
Equipped with
the application terminal and the application support device include the operation unit, the vehicle partial calculation unit, the miscellaneous expense calculation unit, and the unified calculation unit,
3. The loan application system of claim 1 or 2, wherein the core device includes a vehicle debt amount memory unit that stores the debt amount for the vehicle portion, a miscellaneous expense debt amount memory unit that stores the debt amount for miscellaneous expenses, and a consolidated debt amount memory unit that stores the consolidated debt amount. The loan application system of claim 7, wherein the core device further includes a unit for executing early repayment of the vehicle debt amount and a unit for executing early repayment of the miscellaneous expense debt amount. the vehicle partial calculation unit, when a first fraction occurs in the payment amount for each payment of the vehicle, calculates the first fraction in the payment amount for the vehicle from the second payment onwards;
The loan application system of claim 1 or 2, wherein the miscellaneous expenses calculation unit is configured to, when a second fraction occurs in the payment amount for each payment of the miscellaneous expenses, include the second fraction in the payment amount for the miscellaneous expenses from the second payment onwards.