JPS5853385B2 - apricot - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an automatic cash loan processing device that determines whether or not a new loan is available for a customer's desired loan amount.

In the case of cash lending using a cash lending machine (loan machine), lending information is recorded on a recording medium (a card owned by the customer or a center file accessed by this card).
recorded in

Regarding cash lending using such cash lending machines, there are the following modes that have been put into practical use from the past.

(1) Once a loan has been made, even if the loan amount is small, the next loan cannot be made until the repayment is completed.

(Things that can be loaned as long as they are within the 2-tama loan limit.

In this case, when the "month" changes, the limit amount is updated.

(3) A loan that can be loaned any number of times within a predetermined limit (credit limit).

(4) The limit is updated on a monthly basis, and the loan is provided within that limit.

However, this conventional technique encounters the following problems.

That is, in the particular aspect of (1) above, once a customer receives a loan, he or she cannot receive a new loan unless the loan is repaid, which is very dissatisfying for the customer.

In addition, in cases where only the loan amount is limited and managed as described in (2) to (4) above, there is no restriction on the number of loans, so customers are encouraged to receive small loans with high frequency, and the loan amount is Administrative costs for the loan for the institution (
This causes problems such as unexpectedly high costs (e.g., labor costs for employees, costs for materials such as slips, etc.).

Furthermore, it is inconvenient for the customer as the waiting time for receiving a loan becomes longer.

Therefore, in order to solve the above-mentioned problems, it is conceivable to limit the number of cash loans within a certain period, as has been conventionally done, for example, in cash payments using cash dispensers.

However, in the case of a cash loan, unlike cash payments, transactions are not completed one by one by lending, and a certain loan is only withdrawn once the loan has been repaid.

Therefore, the loan will remain pending during this repayment period, so simply limiting the frequency of loans to three times a month will rarely result in the pending period of the loan being 1 to 2 years. For example, a customer may
☆If a person receives loans three times a month, it is possible that a total of 36 loans are pending in one lifetime.

This has the disadvantage that lending financial institutions are forced to spend a considerable amount of money just to manage repayments, and customers are also forced to accept high interest rates.

Therefore, it is an object of the present invention to provide an automatic cash loan processing device that eliminates the above-mentioned problems and is beneficial to both customers and lending financial institutions.

The above-mentioned objects and other objects and features of the present invention will become more apparent from the following detailed description with reference to the drawings.

In the embodiment of this invention, a revolving system is adopted.

The revolving system is a revolving account (rev).

Living charge accou, vqt
), and this is said to mean that "credit spins round and round," meaning that as long as a customer sets a limit on how much credit he or she can receive (purchases on credit) and adheres to certain repayment conditions, the balance will always rise up to that limit. It allows for maintenance.

In other words, the amount you can buy with credit increases by the amount you have repaid.

The current month's credit balance (the amount at which the customer can receive a loan or purchase a credit in that month) determined by this revolving method can be obtained using the following formula.

Here, A1, A2, A31 loan amount nl, n2, n3; number of repayments N corresponding to the loan amount;
Month of use N1, N2, N3; Loan month number in which the loan was made:
This is the repayment condition, and if the repayment condition is payment two months after the next month, select N.

-1, and N when paying next month.

−〇, and the repayment terms are determined according to the creditworthiness of each individual customer.

Further, when N-Nn<O, that is, when the month of use is before the final month*loan month, N is calculated as N+12.

Furthermore, the current month's credit balance was rounded down to the nearest 10,000 yen.

Note that this formula does not take into account interest, fees, etc. for simplicity.

As an example, let's assume that the credit limit is 100,000 yen and that in August
A loan of 10,000 yen was given with repayment terms of 10 repayments and payment in the following month.
A loan of 10,000 yen was made in October with the repayment terms of 5 payments the following month, and the current credit balance in December is based on the above formula.Therefore, 60,000 yen can be loaned in December.

As you can see from this example, the feature of the revolving system (the revolving system is an account) is that each credit card is awarded according to the creditworthiness of the customer, such as 100,000 yen for those who have completed the transaction, and 50,000 yen for those who have completed the transaction.・It consists in setting a line, and in that sense, it is a method of allowing customers to have flexibility in their spending plans while avoiding excessive use of credit.

FIG. 1 is an illustrative diagram showing an example of the format of a magnetic recording area of a magnetic card, which is an example of a recording medium.

As is well known, a secret number and an account number are magnetically recorded on the card.

In addition, the card magnetically records the available loan balance (how much more loan can be taken out in the same month) when a recent loan was received, and a simple (predetermined) balance based on the customer's creditworthiness. The monthly loan limit is magnetically recorded so that it can be shared with other loan machines.

The date of most recent use is magnetically recorded when the most recent loan was made.

As mentioned above, this card is used in the revolving system, and has a predetermined number of limited areas, for example, three revolving areas (hereinafter abbreviated as "revolving areas") 1, 2, and 3.

■ and ■ in these REVO areas are provided with areas for magnetically recording the loan amount, number of repayments, and loan year.
Predetermined data (loan information) is stored in .

Note that the number of repayments and the loan year and month are examples of repayment information that indicates when the repayment is substantially completed.

Furthermore, the number of REVO areas limits the number of loans, and if data is stored in all REVO areas, new loans cannot be made unless some REVO area is repaid.

Therefore, the card format of FIG. 1 indicates that three loans may be taken in parallel, or that up to three loans may be pending in parallel.

The revo area where repayments have been completed is cleared and new loan data is recorded.

FIG. 2 is a functional block diagram of an embodiment of the present invention,
FIG. 3 is a flowchart of an offline mode explaining the block diagram of FIG. 2.

This embodiment will be described below with reference to FIGS. 2 and 3.

When a customer inserts a card (shown in FIG. 1) according to the program stored in the storage device 1, a reading means such as a card reader 3 reads each data (
secret number, etc.) and read it.

The read card data is stored in the store register group 4.

That is, the account number is stored in register R1, the secret number is stored in register R2, and other data are stored in corresponding registers R3 to R6.

Note that the register R4 is an example of a loan limit storage means.

The data from the revo area of the card is stored in registers R60 to R62, respectively, the data from the revo area 2 are stored in registers R70 to R72, and the data from the revo area 2 are stored in registers R80 to R82, respectively.

Register R60~R62゜R70~R72, R80~R
82 forms part of the memory means.

Next, the customer inputs his/her secret number (memorized) using input means such as the keyboard 5.

The input secret number is stored in register R of store register group 6.
10 and given to the arithmetic circuit 7,
A match with the secret number stored in said register R2 is identified.

Arithmetic circuit 1 compares the stored contents of registers R2 and R10, and if they do not match, sends a mismatch signal to control circuit 2 to that effect.

The control circuit 2 receives this discrepancy signal and returns the card.
Give the command to the card reader and return the card.

If the secret numbers match, a matching signal is obtained from the arithmetic circuit 7, and this matching signal advances the program in the storage device 1 to a testing process to form a testing means to detect the existence of pending loans for each REVO area. inspect.

First, the control circuit 2 includes registers R61, R62°R71,
The stored contents of R72, R81, and R82 are input to the arithmetic circuit T.

The arithmetic circuit 7 calculates the store contents from the register,
The last repayment date and month of each revo area is calculated and stored in registers R24, R25, and R26 of the store register group 9.

At this time, the registers R61, R62, R71°R7
2, R81, and R82 are all "O", all "O'" is stored in the corresponding register R24, R25, or R26.

Further, the arithmetic circuit 7 includes the registers R24, R25, R2.
Store contents of 6 (last repayment date and month) and date setter 10
In other words, it is determined whether or not there is repaid revo space at that time (time of current use).

At this time, if the repaid area is exhausted, the card will be returned in the same way as when the secret number does not match.

The date setter 10 is an example of a setting means in which the current usage time is set.

If there is a revo area that has been repaid, that is, there is no pending loan, the corresponding register R6
0-62. 4 for R70-R72 or R80-R82
(0$7 Store a11'"0" from the setter 12, respectively.

Next, the customer enters the desired loan amount (invoice amount),
Input is made by pressing the keyboard 5.

The input billing amount is stored in register R of store register group 6.
11 (memory means = section).

The keyboard 5 is an example of an input means through which loan amount information is input.

The arithmetic circuit 7 compares the data of the latest year and month of use in the register R5 with the date setter 10, and determines whether the current time of use was in the same month.

If it is determined that they are used in the same month by the comparison, the loanable balance stored in register R3 and register Ri
A comparison operation with the billed amount stored in 1 is performed in the arithmetic circuit 7.

This comparison (loanable balance≧charged amount) is performed, and if the billed amount is larger than the loanable balance, the control circuit 2 causes the card to be returned accordingly.

If the billed amount is less than the loanable balance, (the storage device 1 and the control circuit 2) provide the customer with the desired number of repayments: 1, 5.
Times or ``instructs to input 10 times.

On the other hand, if it is determined by the comparison that the current usage period is not the same month, the arithmetic circuit 1 calculates the loanable balance, that is, the current month credit balance, according to the predetermined formula as described above, and stores it in the register R20.

An example of calculation means is formed here. When the calculation process by the calculation means as described above is completed, next, an example of the determination means formed in the determination process determines whether or not a new loan is available.

Then, the calculation circuit 7 performs a comparison calculation between the current month's credit balance stored in the register R20 and the billed amount stored in the register R11, as described above.

This comparison (current month credit balance ≧ billed amount) is performed, and if the billed amount is larger than the current month credit balance, the control circuit 2 causes the card to be returned accordingly.

If the billed amount is less than the current month's credit balance, a new loan will be allowed.

That is, the customer is instructed to input the desired number of repayments.

Next, the customer inputs the number of repayments (1, 5, or 10) by pressing the keyboard 5 in accordance with the input instruction for the desired number of repayments as described above.

When the number of repayments is input, the arithmetic circuit 7 sequentially performs the following operations according to the program in the storage device 1, that is, under the control of the control circuit 2.

First, (1) Based on the store contents of registers R11 and R12 (loan request amount, number of repayments), the total amount of repayment (metal to be repaid, fee, interest,
(taking into account @, etc.) and the monthly repayment amount (total amount of repayment/number of repayments), and store them in registers R23 and R22, respectively.

(2) Next, the updated loanable balance (loanable balance written at the time of the previous loan - billed amount) is calculated and stored in register R3.

(3) Store the data from the old setter 10 in the register R5 as the date of latest use.

(4) Enter the billed amount in register R'll, the number of repayments in register R12, and the date data from date setter 10 (however, "day" is not required), and the corresponding register R60 to R62 in the revo area of the card used. R70~R72, R80~R
82, and the revo area numbers for which repayment has been completed are stored in ascending order.

(An example of a storage means for storing new loan information is formed here. (5) Each of the registers R60 to R62
, R70-R72, R80-R82 al, 110
The number of registers in which I+ is stored (that is, unused revo areas) is counted and stored in register R21 as the number of revos that can be used from now on.

When the calculation circuit 7 performs each of the calculations described above.

The respective calculation results are provided to a punch tape recorder 13 and a slip issuing machine 14, which are examples of auxiliary storage devices.

The punch tape recorder 13 records the account number of the register R1,
The date data from the date setter 10, the loan amount considering the billed amount and interest etc. in register R11, the number of repayments in register R12, the monthly repayment amount in register R22, and register R2
3. Record the total repayment amount on paper tape by punching it.

The slip issuing machine 14 writes the account number in the register R1, the updated loanable balance in the register R3, the data from the date setter 10, the loan amount in register R11 considering the invoiced amount and interest, etc., on a predetermined slip, and register R12. The number of repayments in register R21, the number of repayments in register R21, the monthly repayment amount in register 1R22, and the total repayment amount in register R23 are printed and recorded.

Furthermore, by a recording means such as a writer (not shown) attached to the card reader 3, the updated store contents of all registers R1 to R820 of the store register group 4 are recorded on the inserted card in the corresponding card. Write to area.

After that, as is well known, the card is returned, the slip is ejected, and finally the banknotes are counted and ejected.

This completes one operation of the automatic cash dispensing machine according to the invention in offline mode.

FIG. 4 shows a flowchart of an online mode of another embodiment according to the invention.

FIG. 5 shows an example of the format of a center file, which is an example of a recording medium that can be applied to the embodiment shown in FIG.

The operation in this online mode will be briefly described below with reference to FIGS. 4 and 5.

Cards used for online mode (not shown) are
It suffices if the secret number and account number (which serves as the access number for the center file) are recorded.

After inserting the card, the customer enters the secret number using a keyboard, etc. The secret number read from the card and the secret number keyed in by the customer are compared, and if they match, the customer can enter the loan request amount and number of repayments using the keyboard, etc. Input according to the ratio.

If the secret numbers do not match, the card will be returned.

When the terminal machine sends the account number read from the card, the billed amount entered by key-in, and the number of repayments to the central processing unit (CPU), the CPU stores the center file (magnetic storage device) corresponding to the customer based on the account number. Access the recording area - The CPU reads and calculates the specified store data from the accessed file, and if it is possible to lend, it sends an OK message to the terminal, and if it is not possible to lend (the billed amount, etc. is inappropriate). Send a No message to the terminal.

The terminal determines the message from the CPU, and if it is a No message, the card is returned as lending is not possible.

Also, if it is an OK message, the banknote,
Release slips, cards, etc.

In this way, one lending operation in online mode is completed.

Note that the center file has a revo area that supports the card format in offline mode, but the 5th
In the example shown in the figure, there are two REVO areas.

In other words, a new loan will not be approved unless there have been two previous loans and both have been repaid.

In addition, each data updated by lending (loanable balance,
(year and month of latest use, etc.) and data stored in the REVO area are written to the center file when a loan-ready (OK) message is sent.

In the case of offline mode, the card reader 3 was equipped with an attached writing device as a reading means for reading loan information from the limited area (rev area), and this was used as a recording means, but of course, in the case of online mode, it is also used as a center file. A read/write device for a magnetic storage device, such as a core memory or a magnetic disk, serves as the above-mentioned reading means and recording means.

It should be noted that, as is well known in the art, the above-described embodiments also suffer from the following problems.

(1) A display device (on a terminal, etc.) is provided to instruct the customer on operating procedures and visually confirm input data.

(2) Check the expiration date and other appropriate restrictions (for example, invalid number, system number, etc.) of the inserted card.

At this time, the invalid number is compared with the registered account number of the stolen, lost card, or non-refundable card.

(3) Customer input method such as secret number and billing amount, etc.
For example, when operating a keyboard, input can be re-entered up to a predetermined number of times (for example, three times).

(4) Actually, the current month's credit balance (the above-mentioned calculation formula) is calculated taking into account interest, fees, etc.

Further, as an alternative to the embodiments described above, the present invention may include specific embodiments described below.

(1) The sequence of the flowchart in FIG. 3 or 4 can be changed back or forth as appropriate.

(2) The number of revos stored in the register R21 in FIG. 2 is the number of revo areas that can be lent, but it may also be the number of revo areas that have already been lent.

(3) The loan date and number of repayments are recorded in the revo area of the card and center file. It may also be recorded directly.

(4) In the above embodiment, the presence or absence of the redeemed revo area was directly determined, but this is done after detecting the presence or absence of the register (revo area) of all "'O" and then an ((o +1
The presence or absence of a repaid revo area may be checked only when there is no area.

If there is an all “'0” area, the billing amount and number of repayments are input.

In this case, the number of revos to be stored in the register R21 in FIG. 2 can be known only when the presence or absence of the repaid revo area is checked.

(5) All'"0" is written in the repaid REVO area, but it is not necessarily necessary to write a11"'O", for example, while leaving the original data.

(6) The revo area, ie, the number of revos, may be freely determined, and the number of concurrently pending transactions (the number of revos) is limited by the lending financial institution.

(7) Customers are now able to key in the number of repayments, but this is based on the year and month of completion of repayment and the repayment amount per repayment (equal repayment amount)
You may also key in.

(8) Although the loan limit (credit limit) is determined according to individual creditworthiness, it may be set uniformly for all customers and fixedly by a setting device provided on the main body of the device or the like.

In this case, the setting device is an example of the loan limit storage means.

(9) The number of repayments, etc. may be set uniformly, and in this case, the customer does not need to key in this data.

The automatic cash loan processing device of the present invention has a predetermined number of limited areas, and allocates loan information including a loan amount and repayment information indicating the time when the repayment is substantially completed to each of the limited areas for each loan. a reading means for reading the loan information from a recorded recording medium; an auxiliary recording device provided separately from the recording medium; an input means for inputting loan amount information indicating the loan amount desired by the customer; and the reading means. memory means for storing the loan information read by the operator and the loan amount information input by the input means; a setting means for setting the current usage period; and a loan limit storage for storing the predetermined loan limit. and determining the existence of a pending loan for which repayment has not been completed based on the respective repayment information stored in the memory means and the current usage period set in the setting means. inspection means for inspecting each of the areas, each of the loan information recorded in the limited area in which the presence of a pending loan is detected by the inspection means, and the loan limit storage means; calculation means for calculating a loanable balance based on a loan limit amount that is available; Based on detecting that the amount is within the loanable balance calculated by the calculation means, a new loan of the loan amount input from the input means and stored in the memory means is permitted. a determining means; and a storing means for storing the new loan information in a limited area of the memory means where the pending loan does not exist in response to a new loan being approved by the determining means; and recording means for recording the loan information stored in the memory means into the recording medium and the auxiliary storage device after the storage means operates.

Therefore, according to the present invention, the following effects (13 to (4)) can be obtained.

(1) When determining whether or not to make a new loan, the number of pending loans is always kept within a predetermined number, which reduces the loan management burden on lending financial institutions and eliminates waiting time for customers. There is an advantage of being able to receive a loan.

(2) It is also possible to make loan information for each loan correspond to each of a predetermined number of limited areas (revo areas) without requiring any special processing to manage the number of pending loans. The number of pending loans can be automatically managed with a simple configuration in which the existence of pending loans is simply checked for each limited area when a request for a new loan is made.

Furthermore, even when a new loan is approved, it is sufficient to simply record this new loan information in a limited area where no pending loan exists.

(3) Since the new loan requested by the customer is permitted only when both the limit on the number of pending loans and the limit on the loanable balance are satisfied, lending financial institutions Loans can be freely restricted in terms of both the number of loans and the loan limit (credit limit), allowing detailed loan management for each customer.

Customers can also receive loans at any time and as many times as they like as long as the number of pending loans remains within a predetermined number, and they can freely request a loan amount within the loanable balance. .

This is extremely advantageous for both lending financial institutions and customers.

(4) Each time a new loan is approved, the loan information for the new loan is recorded in the auxiliary storage device, so the status of the loan can be easily checked at any time in response to any drafts or inquiries from customers. It's convenient.

[Brief explanation of drawings]

FIG. 1 is an illustrative diagram showing an example of the format of a recording area of a card used in an embodiment of the present invention. FIG. 2 is a functional block diagram of an embodiment of the present invention. FIG. 3 is a flowchart showing the operation of the block diagram of FIG. 2 in offline mode. FIG. 4 is a flowchart showing the operation in online mode of another embodiment according to the present invention. FIG. 5 is an illustrative diagram showing an example of the format of a center file that can be applied to the embodiment of FIG. In the figure, 1 is a storage device, 2 is a control circuit, 3 is a card league, 4, 6, and 9 are store register groups, 5 is a keyboard, 7 is an arithmetic circuit, 8 is an interest rate setting device, and 10 is a date setting device. , 11 is a repayment method setting device, 12 is an OI+ setting device, 13 is a punch tape recorder, 14 is a slip issuing machine, 1
5 is a banknote ejection machine.

Claims (1)

[Claims] 1 Loan information having a predetermined number of limited areas and including loan amount and repayment information indicating the time when the repayment is substantially completed is recorded by assigning the loan fee to each of the limited areas. a reading means for reading the loan information from a recording medium; an auxiliary recording device provided separately from the recording medium; an input means for inputting loan amount information indicating the loan amount desired by the customer; a memory means for storing the loan information entered by the input means and the loan amount information input by the input means; a setting means for setting the current usage period; and a loan limit storage means for storing the predetermined loan limit. , detecting in the limited area the existence of a pending loan for which repayment has not been completed based on the respective repayment information stored in the memory means and the current usage period set in the setting means; inspection means for inspecting each, each of the loan information recorded in the limited area where the existence of a pending loan is detected by this inspection means, and the loan stored in the loan limit storage means. a calculation means for calculating a loanable balance based on a limit amount; and a calculation means for detecting that there is a limited area in which no pending loan exists by the inspection means, and for calculating the loan amount input from the input means. Discrimination means for permitting a new loan of the loan amount input from the input means and stored in the memory means based on detecting that the balance is within the loanable balance calculated by the calculation means. and storing means for storing loan information of the new loan in a limited area of the memory means where the pending loan does not exist in response to a new loan being approved by the discriminating means; An automatic cash loan processing device comprising: recording means for recording loan information stored in the memory means into the recording medium and the auxiliary recording device after the storage means operates.