| 摘要 |
<P>PROBLEM TO BE SOLVED: To grant services of more profitable conditions than those determined by a class to which a member belongs in accordance with the total sum of loan to the member. <P>SOLUTION: In a credit management system 1 for determining the price of loan and an interest rate of repayment for each member belonging to a class which a member is allowed to join out of a plurality of classes prepared by a credit card company, a management server 1a includes: an interest rate of repayment calculation part 51 for calculating the interest rate of repayment on the basis of the class to which the member belongs and the amount of loan allowed for the member; a member information storage part 61 for associating the member identification information for identifying members, the class of the member, the amount of loan the member is allowed for, and the calculated interest rate of repayment to store them; a point calculation part 52 for calculating the number of points in accordance with the amount of loan; and an interest rate of repayment change control unit 53 for lowering the interest rate of repayment when the accumulated number of points has reached a threshold. <P>COPYRIGHT: (C)2009,JPO&INPIT |
