JP3084240B2 - INTEREST MANAGEMENT DEVICE AND INTEREST MANAGEMENT METHOD USING THE DEVICE - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an interest management apparatus for a financial institution such as a bank and an interest management method using the apparatus.

[0002]

2. Description of the Related Art Heretofore, there has been a system in which points are given according to a liquidity account of the same holder, and the accumulated points can be printed on a passbook or exchanged for a prize according to the accumulated points. It is known (for example, Japanese Utility Model Registration No. 3024255).

[0003]

However, in the above-mentioned conventional system, there is a problem that it is not attractive as a financial product because it can only be exchanged for a prize according to the accumulated points. Therefore, each of the inventions described in claims 1 to 10 has been made in view of the above-mentioned problems of the related art, and the purpose is to apply an interest rate of interest according to points. It is one that can be changed stepwise.

[0004] First, instead of giving points according to the balance of a deposit account as in a conventional system, when an act defined in a contract occurs, points are earned regardless of the balance of the deposit. By giving the points, the calculation of the points can be easily understood by the user. Second, by adopting an interest rate that gradually changes according to the balance of the deposit in the deposit account, it is possible to correct the unfairness of the user.

Third, by adopting a cycle of a predetermined period set in advance, the increase or decrease in points can be periodically reflected in the applied interest rate, and the unfairness of the user can be corrected. .

[0006]

Means for Solving the Problems (Features) The inventions described in claims 1 to 10 have been made in order to achieve the above-mentioned objects, and the features of the inventions are shown in the drawings. A description will be given below using the illustrated embodiment of the invention. (Claim 1) The invention according to claim 1 is characterized by the following points.

That is, the interest management device 10 includes the following six means as shown in FIG. 1. Point storage means (for example, transaction point table 190 shown in FIG. 13) Point storage means (for example, transaction point table 190 shown in FIG. 13) is provided in a deposit account of the same holder within a predetermined period of time, which is determined by a contract. When an act is performed, the unit points stored according to the contents of the act are stored.

[0008] The same holder is, for example, as shown in FIG. 5, a customer number (CI, CIF) of a customer information ledger (110, CIF).
F No. ) As a unit. The unit of the same holder is not limited to the customer number, but may be an account number or a name specified by customer information such as date of birth and address. As the deposit account, for example, as shown in FIG. 6, there is an ordinary deposit account managed by an ordinary account ledger (120).

The deposit account is not limited to an ordinary deposit account, but may be a reserve deposit account, a time deposit account, a loan account, or the like. As the fixed period, for example, as shown in FIG.
One unit is from the first Monday of the current month to the day before the first Monday of the following month. The certain period is not limited to the day before the first Monday of the current month to the day before the first Monday of the next month, but may be another day of the week or another week.

The actions defined in the contract are exemplified in the transaction contents column of FIG. 13, for example. The transaction contents are roughly classified into automatic receipt, automatic payment, and other transaction items. Note that the act defined in the contract is not limited to the act illustrated in FIG. 13, and the act may be added, reduced, or changed. In addition, the actions specified in the contract are shown in FIG.
As shown, the cancellation period is set according to the contract content .
Have been. During this cancellation period, the performance of the contract is
If not, it is the period set to cancel the contract.

The unit points are, for example, the points exemplified in the point number column of FIG. Note that the unit points are not limited to the points illustrated in the column of the number of points in FIG. 13, and the number of points may be changed. 2. Point granting means (31) The point granting means (31) is configured to execute the point storage means (for example, a transaction point table shown in FIG. 13) when the act is performed within the fixed period in the deposit account of the same holder. 190) is awarded points obtained in accordance with the unit points stored in (190).

3. Point automatic scoring means (32) The point automatic scoring means (32)
The total points obtained by totaling the acquired points given in 1) are calculated. 4. Point judging means (33) The point judging means (33) is the point automatic scoring means (3
It is determined whether the total point calculated in 2) has reached a target point, and, as a result, when it is determined that the total point has reached a target point,
A signature is given to the deposit account.

As the target point, for example, “10
"0 point" is set. The target points are
Not limited to “100 points”, it may be less than “100 points” or may exceed “100 points”. As the signature, for example, as shown in FIG.
The sign "ON" is set in the "Super ordinary" column.

The sign is not limited to "ON".
Other signs may be made. Further, when the total points are less than the target points, they are distinguished from each other by not signing “ON”. 5. Step rate storage means (for example, interest information ledger 170 shown in FIG. 10) Step rate storage means (for example, interest information ledger 17 shown in FIG. 10)
0) means that the higher the deposit balance of the deposit account, the higher the interest rate
Thus, the interest rate applied to the interest that changes in a stepwise manner is stored.

As shown in FIGS. 10 to 12, the applied interest rate changes stepwise according to the deposit balance of the deposit account. 6. Interest calculation means (34) The interest calculation means (34), when the sign is given by the point determination means (33), according to the deposit balance of the deposit account, the step rate storage means (for example, interest information The applied interest rate stored in the ledger 170) is determined, and the interest is calculated based on the applied interest rate. (Claim 2) The invention of claim 2 has the following features in addition to the features of the invention of claim 1 described above.

That is, as shown in FIG. 1, the interest management apparatus (10) includes a notice creating means (35). The notice creating means (35) creates a notice to notify the holder of the deposit account when the signature given by the point determining means (33) changes.

FIG. 26 shows that the sign has changed.
As shown in the figure, the sign was not set up last time (x), the sign was set up this time (o), or the sign was set up last time (o), and the sign was not set up this time (x). )
It is. Of course, as shown in FIG. 26, for example, the sign was not set up last time (x) and the sign was not set up this time (x), or the sign was set up last time (o), and the sign was set up again this time. When standing (), a notice may be created.

As the notice, for example, a contact postcard is mailed to the holder. For example, as shown in FIG.
In the case where the sign has not been set up the previous time (x) and the sign has been set up this time (○), the notification of the application start shown in FIGS. 27 and 28 is created. In addition, for example, as shown in FIG. 26, when the sign was set up last time (）) and the sign is not set up this time (×), the notice of application end shown in FIGS. 29 and 30 is created. .

The notice is not limited to the contact postcards illustrated in FIGS. 27 to 30, but may be used to change the contents of the contact postcard,
Instead of a postcard, a sealed letter may be used, or handing may be performed instead of mailing. In addition, instead of printing the notice, the notice may be sent directly using a facsimile, an e-mail, or the like. (Claim 3) The invention according to claim 3 is the above-described claim 1 or claim 2.
In addition to the features of the invention described above, the following features are provided.

That is, the interest management device (10) includes a mark recording means (36) as shown in FIG. The mark recording means (36), when the signature is given by the point determination means (33), records a mark representing the signature in the passbook of the deposit account.

As the mark, for example, as shown in FIG. 31, the character "S" at the head of "Super Savings Account"
Printed as a mark. The mark is not limited to the character "S", but may be another character or mark, and the printing position may be another blank portion of the passbook. The passbook is not limited to a paper passbook, but may be an electronically recorded passbook on an IC card or the like. (Claim 4) The invention of claim 4 has the following features in addition to the features of the invention of any one of claims 1 to 3 described above.

That is, as shown in FIG. 1, the interest management device (10) includes a step rate management means (37). The tiered interest rate management means (37) can register the applied interest rate stored in the tiered interest rate storage means (for example, the interest rate information ledger 170 shown in FIG. 10). (Claim 5) The invention according to claim 5 is characterized by the following points.

That is, the interest management method includes the following four steps. 1. Point granting process The point granting process is based on the same holder's deposit account,
This is a step of, when an act defined in a contract is performed within a predetermined period set in advance, awarding points according to the act.

The above point giving step is performed, for example, at the point of automatic scoring in FIG. 2, and is systematically performed, for example, by the point giving means (31) in FIG. The same holder is, for example, as shown in FIG. 5, a customer information ledger (110, C
IF) as the customer number (CIF No.). The unit of the same holder is not limited to the customer number, but may be an account number or a name specified by customer information such as date of birth and address.

As the deposit account, for example, as shown in FIG. 6, there is an ordinary deposit account managed by an ordinary account ledger (120). The deposit account is not limited to the ordinary deposit account, but may be a reserve deposit account, a time deposit account, a loan account, or the like. As the fixed period, for example, as shown in FIG.
One unit is from the first Monday of the current month to the day before the first Monday of the following month.

The predetermined period is not limited to the day before the first Monday of the current month to the day before the first Monday of the next month, but may be another day of the week or another week. The actions defined in the contract are exemplified in the transaction content column in FIG. 13, for example, but the transaction contents are roughly classified into automatic receipt, automatic payment, and other transaction items.

The actions defined in the contract are not limited to the actions illustrated in FIG. 13, and the actions may be added, reduced, or changed. The points are, for example, the points exemplified in the column of the number of points in FIG. The points are not limited to the points illustrated in the column of the number of points in FIG. 13, and the number of points may be changed. In addition, the act specified in the contract
As shown in Fig. 13,
A fixed cancellation period. This cancellation period is
To cancel the contract if there is no fulfillment of the contract even once
This is the period specified in.

2. Point automatic scoring step The point automatic scoring step is a step of calculating a total point obtained by adding the acquired points given in the point giving step. The point automatic scoring process is performed, for example, at the point of automatic scoring in FIG. 2, and systematically, for example, by the automatic point scoring means (32) in FIG.

3. Point determination step The point determination step determines whether or not the total point calculated in the point automatic scoring step has reached a target point, and as a result, it has been determined that the total point has reached the target point. In this case, it is a step of giving a signature to the deposit account.

The above-mentioned point determination step is performed, for example, at the point of automatic scoring in FIG. 2, and is systematically performed, for example, by the point determination means (33) in FIG. As the target point, for example, “100 points” is set.
The target points are not limited to “100 points”.
It may be less than “100 points” or may exceed “100 points”.

As the signature, for example, as shown in FIG. 6, an "ON" signature is set in the "Super ordinary" column. The signature is not limited to “ON”, and another signature may be set. Further, when the total points are less than the target points, they are distinguished from each other by not signing “ON”.

4. Interest calculation step In the interest calculation step, when the signature is given in the point determination step, the deposit balance of the deposit account is calculated.
This is a step of determining an applied rate of interest that changes in a stepwise manner so that the higher the rate is, the higher the interest rate is, and calculating the interest based on the applied rate. The interest calculation step is performed, for example, at the point of interest calculation corresponding to the transaction in FIG. 2, and is systematically performed by, for example, the interest calculation means (34) in FIG. (Claim 6) The invention of claim 6 has the following features in addition to the features of the invention of any one of claims 1 to 5 described above.

That is, the deposit account is, for example, as shown in FIG.
As shown in the figure, this is a savings account with liquidity and settlement. (Claim 7) The invention according to claim 7 is characterized by the following features in addition to the features of the invention described in any one of claims 1 to 6 described above.

That is, the deposit account is, for example, as shown in FIG.
As shown in the figure, it is a savings account. (Claim 8) The invention according to claim 8 is characterized by the following features in addition to the features of the invention described in any one of claims 1 to 7 described above.

That is, the deposit account is, for example, as shown in FIG.
As shown in the time deposit account. (Claim 9) The invention according to claim 9 is characterized by the following features in addition to the features of the invention described in any one of claims 1 to 8 described above.

That is, the act specified in the contract includes, for example, automatic receipt of a pension as shown in FIG. (Claim 10) The invention according to claim 10 is characterized by the following points. That is, the interest management device (10) includes the following three means as shown in FIG.

1. Point storage means (for example, the transaction point table 190 shown in FIG. 13) Point storage means (for example, the transaction point table 190 shown in FIG. 13) is provided in a savings account of the same holder, within a predetermined period set by a contract. When an act is performed, the unit points stored according to the contents of the act are stored.

The same holder is, for example, as shown in FIG. 5, the customer number (CI, CI) in the customer information ledger (110, CIF).
F No. ) As a unit. The unit of the same holder is not limited to the customer number, but may be an account number or a name specified by customer information such as date of birth and address. As the deposit account, for example, as shown in FIG. 6, there is an ordinary deposit account managed by an ordinary account ledger (120).

The deposit account is not limited to the ordinary deposit account, but may be a reserve deposit account, a time deposit account, a loan account, or the like. As the fixed period, for example, as shown in FIG.
One unit is from the first Monday of the current month to the day before the first Monday of the following month. The certain period is not limited to the day before the first Monday of the current month to the day before the first Monday of the next month, but may be another day of the week or another week.

The actions defined in the contract are exemplified in the transaction contents column of FIG. 13, for example. The transaction contents are roughly classified into automatic receipt, automatic payment, and other transaction items. Note that the act defined in the contract is not limited to the act illustrated in FIG. 13, and the act may be added, reduced, or changed.

The unit points are, for example, the points exemplified in the column of the number of points in FIG. Note that the unit points are not limited to the points illustrated in the column of the number of points in FIG. 13, and the number of points may be changed. Also, the contract
As shown in Fig. 13, each contract
A cancellation period is set according to the content of the agreement. This cancellation period
In the meantime, if there is no performance of the contract during the period,
This is a period that is set for the elimination. 2. Point awarding means (31) The point awarding means (31) is provided with a point storage means (for example, a transaction point table 19 shown in FIG.
Points are awarded in accordance with the unit points stored in (0).

3. Interest calculation means (34) The interest calculation means (34) is for those who have more points earned by the point awarding means (31) and the balance of the deposit account.
The interest rate is determined so that the interest rate is higher , the preferential rate is applied on condition that the earned points and the deposit balance satisfy predetermined conditions, and the interest calculation is performed based on the preferential rate. Is what you do.

[0043]

DESCRIPTION OF THE PREFERRED EMBODIMENTS (First Embodiment) FIGS. 1 to 32 show a first embodiment of the present invention. FIG. 1 shows a block diagram of the interest management device. 2 and 3 show explanatory diagrams of the interest management method, respectively.
FIG. 2 is a conceptual diagram, and FIG. 3 is a time chart.

FIG. 4 is a conceptual diagram of the interest management device. 5 to 10 show explanatory diagrams of various ledgers. FIG. 5 shows a customer information ledger, FIG. 6 shows an ordinary deposit ledger, FIG. 7 shows a time deposit ledger, FIG. 8 shows a reserved deposit ledger, FIG. Reference numeral 10 denotes an interest information ledger. 11 and 12 are explanatory diagrams of interest rates, FIG. 11 is a comparison diagram of interest rates, and FIG. 12 is a table for explaining an applied interest rate, respectively.

FIG. 13 shows a table for explaining the transaction point table. 14 to 19 are explanatory diagrams of a method of calculating interest according to a transaction, respectively. FIG. 14 is a graph, FIG.
5 corresponds to a table, FIG. 16 corresponds to a conceptual diagram, and FIGS. 17 to 19 correspond to FIGS. 20 to 25 are explanatory diagrams of a method of calculating new interest by changing the interest, respectively, FIG. 20 is a graph, FIG. 21 is a table, FIG. 22 is a conceptual diagram, and FIGS.
Each graph illustrating a calculation step is shown.

FIG. 26 shows a table for explaining whether or not a notice is created. 27 to 30 show plan views of the communication postcard, respectively, and FIGS. 27 and 28 show the front and back surfaces of the notice of the start of application, respectively. 29 and 30 show the front and back surfaces of the notification of the end of application, respectively. FIG. 31 is a plan view showing a part of the passbook.

[0047]

Embodiment (Interest Management Apparatus) In FIG. 1, reference numeral 10 denotes an interest management apparatus of a financial institution such as a bank. As shown in FIG. 1, the interest management device 10 is configured around a main computer 20. The main computer 20 is roughly divided into an arithmetic unit 3 mainly including a CPU and the like.
0, a storage unit 40 including an internal / external storage device, an I / O 50 for connection to an external device, and the like.

An operation unit centered on the CPU and the like
The unit 30 functions as various units 31 to 34 by executing a program stored in the program storage unit 41 of the storage unit 40 as shown in FIG. As shown in FIG. 1, input means 60 such as a keyboard and a scanner, display means 70 such as a display, printing means 80 such as a printer, printing means 80 such as a printer, a head office and branches of a bank, etc. In-line communication means 90 for communication with the outside, external communication means 100 for communication with the outside of the bank, and the like are connected.

As shown in FIG. 1, the in-line communication means 90 includes a terminal 91 which can be operated by the staff, a cash
A dispenser (CD) 92, an automatic teller machine (ATM) 93, an automatic transfer machine 94, and the like are connected via dedicated lines and the like. The external communication means 100
As shown in FIG. 1, a customer 101, a BOJ-net 102, a settlement system between banks operated by the Bank of Japan, and a nationwide banking system (zengin system) 103, a settlement system between financial institutions such as private companies. , Intermediary between ATMs of other banks, etc .: National Cash Service (MICS)
104 and the like are connected via dedicated / public lines or the like. (Storage Unit) As shown in FIG. 1, the storage unit 40 includes a program storage unit 41 storing various programs, a data storage unit 42 storing various data, and the like. (Data Storage Unit) As shown in FIG. 1, the data storage unit 41 stores various ledgers 110 to 170 and the like.

The following seven ledgers are stored as the various ledgers 110 to 170, as shown in FIG. 1. 1. Customer management ledger (hereinafter referred to as “CIF”) 110 2. Savings account ledger 120 Time deposit ledger 130 4. 4. Reserve deposit ledger 140 Lending ledger 150 6. Automatic transfer management ledger 160 7. Interest Information Ledger 170 (Data Storage Means: CIF) As shown in FIG.
It has a customer main record 111 and a holding account record 112. (Data storage means: CIF: customer main record) As shown in FIG. 5, the customer main record 111 is classified into the following items.

1. 1. Unique customer number (CIF No.) 2. Bank transaction number 3. Customer's name 4. Date of birth of customer 5. Customer information such as customer address Automatic receipt information 7. Automatic payment information 8. Card information 9. Tax-exempt information The items of the above-mentioned automatic receipt information are subdivided into the following items as shown in FIG.

1. Pension 2. Salary When a transaction contract for automatic receipt of the pension or salary has been made, for example, as shown in FIG. The items of the card information are subdivided into various card items as shown in FIG.

When a transaction contract has been made for the various cards, for example, "ON" is entered in the field as shown in FIG.
Sign stands. As shown in FIG. 5, the items of the tax exemption information are subdivided into the items of the marriage declaration and the special marriage declaration. In the case where the above-mentioned marriage declaration and the special marriage declaration have been made, as shown in FIG. 5, the amount of the declaration is stored in the column. (Data storage means: CIF: holding account record) As shown in FIG. 5, the holding account record 112 stores an account and an account number.

For example, in the holding account record 112, FIG.
, The next account number is stored. 1. 1. Account number of savings account 2. Time deposit account number 3. Deposit account number Lending account number (data storage means: ordinary account ledger) As shown in FIG. 6, the ordinary account ledger 120 is classified into the following items.

1. Subjects 2. Account number 3. 3. Super savings account (to be described later) Recording Record As shown in FIG. 4, the ordinary deposit ledger 120 is associated with the CIF 110 by an account and an account number.

As shown in FIG. 6, in the record, individual transaction information is stored according to the following items. 1. Deposit balance 2. Transaction date 3. 3. Deposit amount (Data storage means: time deposit ledger) The time deposit ledger 130 is classified into the following items as shown in FIG.

1. Subjects 2. Account number 3. Various Records The time deposit ledger 130 is associated with the CIF 110 by an account and an account number as shown in FIG.

As shown in FIG. 7, in the various records, individual transaction information is stored according to the following items. 1. Number 2. Periodical period 3. Periodical amount (data storage means: reserve deposit ledger) The reserve deposit ledger 140 is classified into the following items as shown in FIG.

1. Subjects 2. Account Number The reserve deposit ledger 140 is associated with the CIF 110 by an account and an account number, as shown in FIG. (Data storage means: lending ledger) The lending ledger 150 is classified into the following items as shown in FIG.

1. Subjects 2. Account number 3. Various Records The lending ledger 150 is associated with the CIF 110 by an account and an account number as shown in FIG.

As shown in FIG. 9, in the various records, individual transaction information is stored according to the following items. 1. Number 2. 2. Types of loan Lending amount (data storage means: automatic transfer management ledger) The automatic transfer management ledger 160 stores the following data as shown in FIG.

1. 1. Pension transfer data 2. Payroll transfer data Automatic payment request data 4. Card Contract / Billing Data In addition to the automatic transfer management ledger 160, tax exemption declaration data 180 is stored as shown in FIG.

As shown in FIG. 4, these data are stored in the CIF 11 according to the customer number, the subject, the account number, and the like.
Associated with 0. (Data storage means: interest information ledger (step rate storage means)) As shown in FIG. 10, the interest information ledger 170 can be roughly classified into an interest information ledger 171 of ordinary savings and super ordinary savings (described later), The interest rate information ledger 172 of time deposits, the interest rate information ledger 173 of reserve deposits, and the like are classified and function as a step rate interest storage means.

Although not shown, the interest rate information ledger 170 further includes a lending interest rate, a savings deposit interest rate, a large time deposit interest rate, and the like. As shown in FIG. 10, the interest rate information ledger 171 of the ordinary deposit and the super ordinary deposit includes:
Current and past interest rates are stored. The current and past interest rates are classified into the following items as shown in FIG.

1. 1. Start date of application of the interest rate 2. End date of application of the interest rate. 3. Savings interest rate Interest rate of super savings account (to be described later) The interest rate of the super savings account is as shown in FIG.
It is classified into five stages of interest rates 1-5.

The interest rate information ledger 171 for the ordinary deposit and the super ordinary deposit is associated with the ordinary deposit ledger 120 according to the account, transaction date, deposit amount, super ordinary and the like of the ordinary deposit ledger 120 shown in FIG. I have. The interest rate information ledger 172 of the time deposit stores current and past interest rates as shown in FIG.

The current and past interest rates are classified into the following items as shown in FIG. 1. 1. Start date of application of the interest rate 2. End date of application of the interest rate. Time deposit interest rate The interest rate information ledger 172 of the time deposit is determined by the items and amounts of the time deposit ledger 130 shown in FIG.
Associated with.

The interest rate information ledger 173 of the savings deposit is the same as the interest rate information ledger 172 of the time deposit except that the interest rate information of the savings deposit is stored instead of the interest rate rate of the time deposit. . In the case of the simple “savings deposit”, as shown in FIG. 11, the savings interest rate is applied, and the interest rate is constant regardless of the deposit balance.

On the other hand, in the case of “super ordinary savings”, as shown in FIG.
5 rises in 5 steps. That is, in the case of “super ordinary deposit”, as shown in FIG. 12, the following preferential interest rates 1 to 5 are applied according to the daily deposit balance. The interest rate is changed on the first Monday of each month in principle.

1. Deposit balance of 10 million yen or more: Interest rate displayed on the store 1 2. 2. Deposit balance 3,000,000 yen or more and less than 10,000,000 yen: In-store interest rate 2 Deposit balance 1,000,000 yen or more and less than 3,000,000 yen: In-store interest rate 3 4 Deposit balance 500,000 yen or more and less than 1 million yen: Store interest rate 4 5. Deposit balance 1,000 yen or more and less than 500,000 yen: In-store interest rate 5 Even if the user of the “super ordinary deposit” applies, if the deposit balance is “less than 500,000 yen”, as shown in FIG. The interest rate will be the same as the current savings account. As a result, preferential interest rates will not be applied.

Therefore, the deposit balance is “less than 500,000 yen”
In the case of, if the applied interest rate is set to be the same as the current ordinary deposit, the first condition is that the acquired total points have reached the target point, for example, "100 points", Assuming that the balance is "500,000 yen" or more as a second condition, the preferential interest rate can be applied only when both the first and second conditions are satisfied.

Note that points may be given according to the balance of the deposit. Then, the points awarded when there is an act specified in the contract are added up, and when the total points of both points have reached the target points, the preferential interest rate may be applied.

Although the balance of the deposit and the interest rate are divided into five stages, the present invention is not limited to this.
It may be divided into stages or six or more stages. Further, the amount of the deposit balance may be changed. (Data storage means: transaction point table (point storage means)) The data storage means 41 stores various ledgers 11 as shown in FIG.
In addition, a transaction point table 190 is stored.

As shown in FIG. 13, the transaction point table 190 is classified into the following items and functions as point storage means. 1. Transaction items 2. Transaction details 3. Number of points 4. Release Period The above transaction items are subdivided into the following items as shown in FIG.

1. Automatic receipt 2. Automatic payment 3. Others As shown in FIG. 13, the above automatic receipt is subdivided into the following items. 1. Pension 2. Salary The number of points of the above pension is “60” as shown in FIG.
Points ”and the cancellation period is set to“ 6 months ”.

The above points are scored every month on the day before the first Monday in customer units (CIF) at the same trading store. The point is applied from the first Monday of the current month to the day before the first Monday of the following month. When a transfer or account transfer for the transaction content is made for the first time within the point application period, for example, a “ON” sign is set in a corresponding column of the CIF 110 as shown in FIG.

As shown in FIG. 4, in the system, the presence or absence of the above-mentioned transfer and account transfer is determined based on various transfer / transfer data of the automatic transfer management ledger 160. Then, if there is no transfer or account transfer for the contents of the transaction within the cancellation period of the fixed period, for example, the “ON” sign of the CIF 110 is deleted. In terms of the system, as shown in FIG. 4, the cancellation period starts from the last transfer date of various transfer / transfer data in the automatic transfer management ledger 160.

As shown in FIG. 13, the number of salary points is "40 points", and the cancellation period is set to "one year". The automatic payment is subdivided into the following items as shown in FIG. 1. Phone usage fee 2. 2. Charges for electricity TV reception fee 4. 4. Water usage fee Gas usage fee 6. Tax If there are two or more contracts among the above six items,
As shown in FIG. 13, "20 points" are given.

The telephone, electricity and gas release periods are shown in FIG.
As shown in FIG. 3, “3 months” is set. The cancellation period of the TV reception fee and tax is set to “two years” as shown in FIG. The water supply release period is set to "6 months" as shown in FIG.

The other items are subdivided into the following items as shown in FIG. 1. Card 2. Time deposit ３． 3. Reservation period (excluding deposits for property formation) or holder of period fund 4.5 million yen for Maru's report or 3.5 million yen for Maru's special report 5. As shown in FIG. 13, the personal card is provided with “20 points” when any one of the three types is provided, and the cancellation period is set to “3 years”.

As shown in FIG. 13, “20 points” are awarded when the period of period 1 or more is 1,000,000 yen or more, as shown in FIG. As shown in FIG. 13, "20 points" are awarded to the holder of the reserve term (excluding the property form deposit) or the term reserve as shown in FIG.

As shown in FIG. 13, “20 points” are given to the aforementioned 3.5 million yen or the specially declared amount of 3.5 million yen when there is one of the two declared amounts. . As shown in FIG. 13, “20 points” are awarded to the personal loan or the JHF loan when there is one of the two loans (the card loan has an account).

Note that the transaction items in the transaction point table 190,
The details of the transaction, the number of points, and the release period are not limited to the example shown in FIG. 13 and may be added, deleted, or changed. (Calculation Unit) As shown in FIG. 1, the calculation unit 30 roughly stores the following seven means.

1. Point giving means 31 2. Point automatic scoring means 32 3. Point determination means 33 4. Interest calculation means 34 5. Notification form creation means 35 6. Mark recording means 36 7. Step rate management means 37 (arithmetic unit: point giving means) The point giving means 31 of FIG. 1 is used in the savings account of the same holder (same customer number) for the point application period (for example, from the first Monday of the previous month to the current month). If there is an act corresponding to the transaction contents in FIG. 13 within the day before Monday, the acquired points are given according to the number of points.

For example, referring to FIG. 5, since the sign of the pension is “ON”, “60 points” shown in FIG. 13 is given as the acquired points. As shown in FIG. 5, three "signatures" stand in the column of the automatic payment information, so "20 points" shown in FIG. 13 are given as acquired points. As shown in FIG. 5, two "signs" stand in the card information column.
“20 points” shown in FIG. 3 are given as acquired points.

As shown in FIG. 5, in the column of tax-exempt information,
Since there is a total of 3.5 million yen, the “20 points” shown in FIG. 13 are awarded as points. Further, referring to the time deposit ledger 130 in FIG. 7, since the term for one year or more has a total of 1,000,000 yen, "20 points" of the time deposit shown in FIG.

Further, since there is a reserve time deposit in the holding record 112 of FIG. 5, the reserve time deposit “2” shown in FIG.
"0 points" are given as acquired points. (Calculation Unit: Point Automatic Scoring Means) The point automatic scoring means 32 in FIG. 1 calculates the total points obtained by adding the acquired points given by the point giving means 31.

For example, taking FIG. 5 as an example and referring to FIG. 13, “60 points” for the pension, “20 points” for the automatic payment information, “20 points” for the card, “20 points” for the marriage declaration, Deposit
“20 points”, regular “20 points”
"160 points", which is the total of the acquired points, is given as the total points. (Calculation Unit: Point Determination Means) The point determination means 33 in FIG. 1 determines whether or not the total points summed by the point automatic scoring means 32 has reached a target point, for example, “100 points”. It is.

As a result, when it is determined that the total points have reached the target point of “100 points”, the achievement sign is written in the ordinary account ledger 120 of FIG.
The sign of the "super ordinary" column of the ordinary account ledger 120 is set to "ON". Further, the point determination means 33,
If it is determined that the total points have not reached the target point, the non-achieving sign, for example, the "ON" sign is not set on the deposit account, and the "ON" sign is already set. , The sign of “ON” is deleted.

For example, referring to FIG. 5, the total points calculated by the point automatic scoring means 32 are “1”.
60 points, which exceeds the target point of "100 points". Therefore, the sign "ON" stands in the "super ordinary" column of the ordinary deposit ledger 120 in FIG. Also, in the column of each transaction day of the record of the ordinary account ledger 120 in FIG. 6, there is also a column of "super ordinary", which indicates the difference of "super ordinary" in relation to each transaction day. ing.

That is, on the trading day “08.08.10” in FIG. 6, there is no “ON” sign in the “super ordinary” column. Therefore, the ordinary deposit ledger 120 is treated as a simple “ordinary deposit”. On the other hand, on the trading day “08.09.10” in FIG. 6, “ON” appears in the “Super ordinary” column.
Sign is standing. Therefore, the savings account ledger 12
It can be seen that 0 has changed from mere “savings account” to “super savings account”.

On the trading day “08.09.20” in FIG.
The "ON" sign still appears in the "Super ordinary" column. For this reason, it can be seen that the ordinary deposit ledger 120 has not changed from “super ordinary deposit”. (Calculation Unit: Interest Calculation Means) The interest calculation means 34 of FIG.
When an achievement sign, for example, a sign of "ON" is made, the applicable interest rate stored in the interest information ledger 170 (step rate storage means) of FIG. 10 is determined according to the deposit balance of the deposit account. Then, the interest is calculated based on the applicable interest rate. (Interest Calculation Method) An interest calculation method by the interest calculation means 34 will be described below. (Interest Calculation Method: Determination of Applied Interest Rate) First, the determination of the applied interest rate will be described.

As an example, taking the ordinary account ledger 120 of FIG.
On the trading day "08.08.10", it is just a "savings deposit".
Therefore, in the case of mere "savings" is not a <br/> involved et al deposits, is applied uniformly to said "savings rate" is applied rates of interest information ledger 170 of FIG. 10. On the other hand, on the trading day “08.09.10” in FIG. 6, the “savings deposit” has changed to “super savings deposit”. In addition, the balance of the deposit on the trading day “08.09.10” in FIG. 6 is “100,000 yen” on the trading day “08.08.10” and “200,000 yen” on the trading day “08.09.10”.
"300,000 yen".

For this reason, it is a “super ordinary deposit”
Since the deposit balance is “300,000 yen”, “interest rate 5” of the interest rate information ledger 170 in FIG. 10 is applied as the applicable interest rate. In addition, on the trading day “08.09.20” in FIG. 6, there is no change to “super savings account”. In addition, the deposit balance on the transaction day “08.09.20” in FIG. 6 is changed to “300,000 yen” which is the deposit balance up to the transaction day “08.09.10”,
" 500,000 yen" of "0" plus "800,000 yen".

For this reason, it is a “super ordinary deposit”
Since the deposit balance is “800,000 yen”, “interest rate 4” of the interest rate information ledger 170 in FIG. 10 is applied as the applied interest rate. (Interest Calculation Method: Interest Calculation Method According to Transaction) Interest according to the transaction is calculated by the interest calculation means 34 of FIG. 1 using the following formula.

Deposit interest (E) = deposit interest before transaction (A) −deposit interest on deposit balance before transaction (C) + deposit interest on deposit balance after transaction (D) May be simply added.

Referring to FIGS. 14 to 19 as an example, the ordinary savings account is applicable to “super ordinary savings”.
As shown in FIG. 16, it is assumed that the deposit balance is “200,000 yen” and the interest rate before deposit (A) is “112.54 yen”. Also, it is assumed that “400,000 yen” was received on August 12, 1996, and that August 18, 1996 is the interest settlement date.

Further, the interest rates 1 to 5 of the “super ordinary savings” from August 5 to September 1 of the same year are assumed as shown in FIG. 1. Interest rate 1: 0.50% 2. Interest rate 2: 0.40% 3. Interest rate 3: 0.30% 4. Interest rate 4: 0.20% 5. Interest rate 5: 0.10% First, the deposit interest (C) for the deposit balance before the transaction is obtained (FIG. 17).

1. Find the deposit balance before the transaction. → "200,000 yen" The number of days from the transaction date (8/12) to the interest settlement date (8/18) is obtained. → "7 days" The applied interest rate (interest rate 5) of the “super ordinary deposit” according to the deposit balance (200,000 yen) before the transaction is obtained from the interest rate information ledger 170 in FIG.

→ “0.10%” (FIG. 15) The deposit interest (C) for the deposit balance (200,000 yen) before the transaction is obtained, and subtracted from the interest area (not shown) on the ordinary account ledger 120 in FIG. → 200,000 (yen) x 0.10 (%) x 7 (day) ÷ 365 (day) =
3.83 (yen) Next, the deposit interest (D) for the deposit balance after the transaction (600,000 yen) is calculated (FIG. 18).

1. Calculate the post-transaction balance. (Deposit balance before transaction (200,000 yen) + deposit amount (400,000 yen) = deposit balance after transaction (600,000 yen)) → 200,000 (yen) + 400,000 (yen) = 600,000 (yen) From the trading day (8/12) to the interest settlement date (8/1
8) Find the number of days up to.

→ “7 days” The applicable interest rate (interest rate 4) of the “super ordinary deposit” according to the deposit balance after the transaction (600,000 yen) is obtained from the interest rate information ledger 170 in FIG. → “0.20%” (FIG. 15) The deposit interest (D) for the deposit balance after the transaction (600,000 yen) is obtained and added to the interest area (not shown) on the ordinary account ledger 120 in FIG.

→ 600,000 (yen) x 0.20 (%) x 7 (day)
$ 365 (day) = 23.01 (yen) As a result, the deposit interest (E) after the transaction is calculated (Figure 1)
9). → Deposit interest rate (E) = Deposit interest rate before transaction (A)-(C) + (D) = 112.54-3.83 + 23.01 = 131.72 (yen, Fig. 16) (Interest calculation method: New interest calculation by changing interest rate) The new interest due to the interest change is calculated by the interest calculation means 34 of FIG. 1 using the following formula.

Deposit interest rate after application of new interest rate (E) = Deposit interest rate until interest settlement date (A)-Interest up to interest settlement date (old interest rate) for deposit balance on the day before the first Monday (provisional settlement date) (old interest rate) C) + Interest until the settlement date of interest (new interest rate) for the deposit balance on the day before the first Monday (provisional settlement date) (D) (D) Note that the results calculated by the above formula are as shown in FIG. It can also be obtained by simply summing a7.

20 to 25, the ordinary savings account is applicable to “super ordinary savings”.
As shown in FIG. 22, with the deposit balance “700,000 yen” as of August 4, 1996, the interest on current term deposit (A) is “213.54”.
Circle ". Also, the interest rate change date was August 5 of the same year.
It is assumed that the interest settlement date is August 18 of the same year.

Further, the interest rates 1 to 5 (old interest rates) of “Super Savings Deposit” from July 1 to August 4 of the same year are shown in FIG.
As shown in FIG. 1, the following is assumed. 1. Interest rate 1: 0.55% 2. Interest rate 2: 0.45% 3. Interest rate 3: 0.35% 4. Interest rate 4: 0.25% 5. Interest rate 5: 0.15% In addition, interest rates 1 to 5 (new interest rate) of “Super Savings Deposit” from August 5 to September 1, the same year decreased by 0.05% as shown in FIG. And assume the following.

1. Interest rate 1: 0.50% 2. Interest rate 2: 0.40% 3. Interest rate 3: 0.30% 4. Interest rate 4: 0.20% 5. Interest rate 5: 0.10% First, from the first Monday (8/5) on the balance of the deposit (700,000 yen) on the provisional settlement date (8/4) to the interest settlement date (8/18)
The interest (C) up to this is calculated (old interest rate applied, FIG. 23).

1. The deposit balance on the day before the first Monday (8/5) (provisional settlement date, 8/4) is obtained. → 700,000 yen 2. From the first Monday (8/5) to the interest settlement date (8/18)
Obtain the number of days up to. → 14th 3. The interest rate (the old interest rate from 7/1 to 8/4 in FIG. 21 and the interest rate 4) of the super ordinary deposit corresponding to the above-mentioned deposit balance is obtained.

→ 0.25% 4. The day before the first Monday (8/5) (tentative closing date, 8/4)
Settlement date (8/1)
The interest up to 8) is obtained and subtracted from the interest area (not shown) on the ordinary account ledger 120 in FIG. → 700,000 (yen) x 0.25 (%) x 14 (day) ÷ 365 (day) =
67.12 (yen) → 213.54 (yen)-67.12 (yen) = 146.42 (yen, see "B" in Fig. 23) Next, the first Monday against the deposit balance (700,000 yen) on the provisional closing date (8/4) (8/5) to interest settlement date (8/1)
The interest (D) up to 8) is obtained (new interest rate applied, FIG. 24).

1. The deposit balance on the day before the first Monday (8/5) (provisional settlement date, 8/4) is obtained. → 700,000 yen 2. From the first Monday (8/5) to the interest settlement date (8/18)
Obtain the number of days up to. → 14th 3. The interest rate (new interest rate from 8/5 to 9/1, interest rate 4 in FIG. 21) of the super ordinary deposit corresponding to the deposit balance of 1 above is obtained.

→ 0.20% The day before the first Monday (8/5) (tentative closing date, 8/4)
Settlement date (8/1)
The interest up to 8) is obtained and added to the interest area (not shown) on the ordinary account ledger 120 in FIG. → 700,000 (yen) x 0.20 (%) x 14 (day) ÷ 365 (day) =
53.69 (yen) → 146.42 + 53.69 (yen) = 200.11 (yen, Fig. 22) As a result, new interest (E) due to the change in interest rate is obtained (Fig. 25). (Calculation unit: notification letter creation means) The notification letter creation means 35 of FIG.
When the signature given by 33 changes, a notice for notifying the holder having the deposit account, for example, FIG.
A communication postcard 30 is created and printed via a printing means 80 such as a printer.

That is, as shown in FIG. 26, if the sign was not standing before and was “X”, and if the sign was not standing again this time, it was “X”, that is, if “X → X”, the sign did not change. , The postcard is not printed. Also, as shown in FIG. 26, when the sign was standing last time and was “○”, and this time it was also standing “○”, that is, “○ → ○”,
Similarly, there is no sign change, and no postcard is printed.

[0113] Of course, even when there is no change in the signature, a contact postcard may be printed and mailed every month. On the other hand, as shown in FIG. 26, when the sign was not standing the previous time and was “X”, and this time it was standing “O”, that is, when “X → O”, the sign changed. FIG.
As shown at 28, a notice of the start of application is printed together with a breakdown of the transaction points.

Further, as shown in FIG. 26, the sign is “O” when the sign was standing last time, and “X” when the sign is not standing this time,
That is, also in the case of “○ → X”, there is a change in the signature in the same manner, and as shown in FIGS. 29 and 30, the breakdown of the transaction points and the notice of the application end are printed. In addition,
The notice is not limited to the contact postcards illustrated in FIGS. 27 to 30, but may be changed to the contents of the contact postcard, may be a sealed letter in place of the postcard, or may be handed in place of mailing. In addition, instead of printing the notice, the notice may be sent directly using a facsimile, an e-mail, or the like. (Calculation unit: mark recording means) As shown in FIG. 6, the mark recording means 36 in FIG. 1 means the sign when the point determination means 33 gives a sign, for example, a "ON" sign. mark,
For example, as shown in FIG. 31, the character "S" at the head of "Super Ordinary Deposit" is recorded as a mark, and is printed on the passbook of the deposit account via a printing means 80 such as a printer.

That is, as shown in FIG. 31, after “Super Savings Deposit”, a “S” mark is printed at the end of the transaction day. Note that the printing position of the “mark” is not limited to the end of the transaction day, and may be printed, for example, at the beginning of the transaction day, at the beginning or end of the balance of the balance, or at another margin. Also, the “mark” is not limited to the character “su”, and other characters or marks may be used. Further, the passbook is not limited to a paper passbook, but may be an electronically recorded passbook on an IC card or the like. (Calculation unit: step rate management means) The step rate management means 37 of FIG.
The applicable interest rate stored in 0 (step rate storage means) can be registered via input means 60 such as a keyboard. (Method of Use) Next, a procedure of using the interest management device 10 having the above-described configuration will be described.

First, as shown in FIG. 2, transaction information is collected. The transaction information is collected every day from the first Monday of the current month to the day before the first Monday of the following month as one unit. Second, automatic scoring is performed, as shown in FIG. The automatic scoring is performed the day before the first Monday of the month.

In terms of the system, the point providing means shown in FIG.
The point giving step by the point 31, the automatic point scoring step by the automatic point scoring means 32, and the point judging step by the point judging means 33 are performed in this order. Third, as shown in FIG. 2, a notice to the customer is created. The creation of the above-mentioned notice to the customer is performed on the day before the first Monday of the month, similarly to the above-mentioned automatic scoring.

In terms of the system, the notice creating means 35 shown in FIG.
It is performed by Fourth, as shown in FIG. 2, interest rate management is performed. The interest rate management is also performed on the day before the first Monday of the month, similarly to the automatic scoring and the creation of the notice to the customer. In terms of the system, this is performed by the step rate management means 37 of FIG.

Fifth, interest calculation according to the transaction is performed. The interest calculation is performed each time a transaction is made. In terms of a system, an interest calculation step by the interest calculation means 34 of FIG. 1 is performed. Sixth, new interest is calculated by changing the interest rate. The calculation of the new interest due to the change in the interest rate is performed the day before the first Monday of the following month.

In terms of the system, the calculation is performed by the interest calculation means 34 in FIG. The above steps 1 to 6 are repeated daily. Then, interest is included in the interest settlement date, that is, on the third Sunday of February and August. In terms of the system, this is performed by the interest calculation means 34 of FIG. Second Example FIG. 32 shows a second example of the embodiment of the present invention.

FIG. 32 is an explanatory diagram of the savings deposit of the interest rate information ledger and the interest rate information ledger 174 of the super savings deposit. The feature of the second embodiment is that five stages of interest rates 1 to 5 of "super savings deposit" are stored in addition to the savings deposit interest rate. The same method as in the first embodiment described above can be used for the point scoring method and the interest calculation method.

The second embodiment may be used in combination with the first embodiment, or may be used alone in the second embodiment. (Third Example) FIG. 33 shows a third example of the embodiment of the present invention. FIG. 33 is an explanatory diagram of the time deposit of the interest information ledger and the interest information ledger 175 of the super time deposit.

The feature of the third embodiment is that five stages of interest rates 1 to 5 of "super time deposit" are stored in addition to the interest rate of the time deposit. The same method as in the first embodiment described above can be used for the point scoring method and the interest calculation method. The third embodiment is similar to the first and second embodiments.
The third embodiment may be used together with the third embodiment or may be used alone. Fourth Example FIG. 34 shows a fourth example of the embodiment of the present invention.

FIG. 34 is an explanatory diagram of the interest rate information ledger 176 of the savings deposit of the interest information ledger and the super savings deposit. The feature of the fourth embodiment resides in that five stages of interest rates 1 to 5 of “super savings deposit” are stored in addition to the interest rate of the savings deposit. The same method as in the first embodiment described above can be used for the point scoring method and the interest calculation method.

Further, the fourth embodiment may be used together with the first to third embodiments, or may be used alone.

[0126]

Each of the inventions described in the first to tenth aspects is configured as described above, and has the following effects. That is, the first
Instead of giving points according to the deposit balance of the deposit account as in the conventional system, if there is an act specified in the contract, the points are given regardless of the deposit balance, The calculation can be easily understood by the user.

Second, by adopting an interest rate that changes stepwise according to the deposit balance of the deposit account, it is possible to correct the unfairness of the user. Third, by adopting a cycle of a predetermined period set in advance, the increase or decrease in points can be periodically reflected in the applied interest rate, and the unfairness of the user can be corrected. Furthermore, according to the second aspect of the present invention, the notice of the notice can make it easy for the user to recognize the change in the signature.

Further, according to the third aspect of the present invention, since the signature is recorded in the passbook, it is possible to make it easy for the user to distinguish the signature. Furthermore, according to the invention described in claim 4, the management of the applied interest rate can be performed easily.

[Brief description of the drawings]

FIG. 1 is a block diagram of an interest management device.

FIG. 2 is a conceptual diagram of an interest management method.

FIG. 3 is a time chart of an interest management method.

FIG. 4 is a conceptual diagram of an interest management device.

FIG. 5 is an explanatory diagram of a customer information ledger.

FIG. 6 is an explanatory diagram of an ordinary account ledger.

FIG. 7 is an explanatory diagram of a time deposit ledger.

FIG. 8 is an explanatory diagram of a reserve deposit ledger.

FIG. 9 is an explanatory diagram of a rental ledger.

FIG. 10 is an explanatory diagram of an interest information ledger.

FIG. 11 is a comparison diagram of interest rates.

FIG. 12 is a table for explaining an applied interest rate.

FIG. 13 is a table for explaining a transaction point table.

FIG. 14 is a graph for explaining a method of calculating interest according to a transaction.

FIG. 15 is a table for explaining a method of calculating interest according to a transaction.

FIG. 16 is a conceptual diagram illustrating a method of calculating interest according to a transaction.

FIG. 17 is a graph corresponding to FIG. 14 and illustrating a calculation process.

FIG. 18 is a graph corresponding to FIG. 14 and illustrating a calculation process.

FIG. 19 is a graph corresponding to FIG. 14 and illustrating a calculation process.

FIG. 20 is a graph for explaining a method of calculating new interest due to a change in interest rate.

FIG. 21 is a table for explaining a method of calculating new interest due to a change in interest rate.

FIG. 22 is a conceptual diagram illustrating a method for calculating new interest due to a change in interest rate.

FIG. 23 is a graph corresponding to FIG. 20 and illustrating a calculation process.

FIG. 24 is a graph corresponding to FIG. 20 and illustrating a calculation step.

FIG. 25 is a graph corresponding to FIG. 20 and illustrating a calculation process.

FIG. 26 is a table for explaining whether or not a notice is created;

FIG. 27 is a front view of a communication postcard for notification of start of application.

FIG. 28 is a back view of a communication postcard for notification of application start.

FIG. 29 is a front view of a postcard for notification of the end of application.

FIG. 30 is a back view of a postcard for notification of application end.

FIG. 31 is a plan view showing a part of a passbook.

FIG. 32 shows the second embodiment and is an explanatory diagram of an interest information ledger.

FIG. 33 is an explanatory diagram of an interest information ledger according to the third embodiment.

FIG. 34 shows the fourth embodiment and is an explanatory diagram of an interest information ledger.

[Explanation of symbols]

10 Interest management device 20 Main computer 30 Arithmetic unit 31 Point assigning means 32 Point scoring means 33 Point judging means 34 Interest calculating means 35 Notification creation means 36 Mark recording means 37 Step rate management means 40 Storage unit 41 Program storage means 42 Data Storage means 50 I / O 60 Input means 70 Display means 80 Printing means 90 In-line communication means 91 Terminal 92 CD 93 ATM 94 Automatic transfer machine 100 External communication means 101 Customer 102 BOJ-NET 103 Zengin system 104 MICS 110 Customer management ledger ( CI
F) 111 Customer Main Record 112 Holding Account Record 120 Savings Ledger 130 Time Deposit Ledger 140 Reserved Ledger 150 Lending Ledger 160 Automatic Transfer Management Ledger 170 Interest Rate Ledger (Stage Rate Storage) 171 Interest Rate Information for Savings Deposit and Super Savings Deposit Ledger 172 Interest rate ledger for time deposits 173 Interest rate ledger for savings deposits 174 Interest rate ledger for savings deposits and super savings deposits 175 Interest rate ledger for time deposits and super time deposits 176 Declaration data 190 Trading point table (point storage means)

Continued on the front page (58) Fields investigated (Int. Cl. ⁷ , DB name) G06F 15/30 Z G07D 9/00 451 C G07G 1/12 321 Z

Claims (10)

(57) [Claims] Claims: 1. In the case of an act defined in a contract within a predetermined period set in a deposit account of the same holder, a unit point given according to the contents of the act is stored . Solutions determined according to each contract
In the point storage means storing the elimination period, and in the deposit account of the same holder, when the act is performed within the fixed period, the acquired points are given according to the unit points stored in the point storage means. Point giving means to perform, automatic point scoring means for calculating a total point obtained by adding the acquired points given by the point giving means, and whether or not the total point calculated by the automatic point scoring means has reached a target point Judge
As a result, when it is determined that the total points have reached the target points, a point determining means for applying a signature to the deposit account, and the interest rate increases as the deposit balance of the deposit account increases.
As described above, a step rate storage means for storing an applied rate of interest that changes step by step, and when the sign is given by the point determination means, the step rate storage means according to a deposit balance of the deposit account. An interest calculating means for determining the stored applied interest rate and calculating the interest based on the applied interest rate, and determining whether or not a cancellation period determined according to the contract content has elapsed.
If the contract does not fulfill
Elimination of unit points awarded according to the details of the act
An interest management device, characterized in that: 2. A notice form creating means for creating a notice form for notifying a holder of the deposit account when the signature given by the point judging means has changed. An interest management device as described. 3. The apparatus according to claim 1, further comprising: a mark recording unit that records a mark representing the signature in the passbook of the deposit account when the sign is given by the point determination unit. 2. The interest management device according to 2. 4. The interest management apparatus according to claim 1, further comprising a step rate management unit capable of registering the applied interest rate stored in the step rate storage unit. 5. When an act defined in a contract is performed within a predetermined period set in a deposit account of the same holder, earned points are given according to the act ,
A point giving step for giving a cancellation period determined according to each contract content; a point automatic scoring step for calculating a total point obtained by adding up the obtained points given in the point giving step; Determine whether the total point calculated in the automatic scoring process has reached the target point,
As a result, when it is determined that the total points have reached the target points, a point determination step of applying a signature to the deposit account; and in the point determination step, when the signature is provided, the deposit The higher the account balance , the higher the interest rate
An interest calculation step of determining an applied rate of interest that changes in a stepwise manner and calculating the interest based on the applied rate, and a cancellation period determined according to the contract content has passed. Also
If the contract does not fulfill
Elimination of unit points awarded according to the details of the act
Interest management method characterized by doing so . 6. The interest management apparatus according to claim 1, wherein the savings account is a liquidity and settlement ordinary savings account. Management method. 7. The interest management apparatus according to claim 1, wherein the savings account is a savings account, and an interest management method using the apparatus. 8. The interest management device according to claim 1, wherein the deposit account is a time deposit account, and an interest management method using the interest management device. 9. The method according to claim 1, wherein the act defined in the contract includes automatic receipt of a pension.
And an interest management method using the same. 10. In a deposit account of the same holder, when an act specified by a contract is performed within a predetermined period set in advance, a unit point given according to the content of the act is stored , and Determined according to each contract
In the point storage means storing a cancellation period, and in the deposit account of the same holder, when the act is performed within the predetermined period, the acquired points are given according to the unit points stored in the point storage means. Point giving means, point automatic scoring means for calculating a total point obtained by summing the acquired points given by the point giving means, acquired points given by the point giving means,
And the higher the deposit balance of the deposit account, the higher the interest rate
In this way, the interest rate to be applied is determined, the preferential rate is applied on condition that the obtained points and the deposit balance satisfy predetermined conditions, and the interest is calculated based on the preferential rate. And the expiration of the cancellation period specified in accordance with the contract
If the contract does not fulfill
Elimination of unit points awarded according to the details of the act
An interest management device, characterized in that: