| 摘要 |
PROBLEM TO BE SOLVED: To construct a system for providing a flexible automatic overdraft function and automatic collection function, using Densai (R) as security.SOLUTION: An automatic overdraft function uses Densai (R), as security, where a customer is recorded as a creditor. The function automates loan implementation, addition of Densai (R) for hypothecation, insolvency disposition of a debtor, arrival of due date of Densai (R), collection of loan funds in payment of funds for settlement of remittance between accounts to a transferred and settlement account, and calculation of a limit of loan maximum amount or loan balance. Overdraft function is automated, to improve work efficiency and convenience of a customer, as well as promptness of processing. The funds for settlement of remittance between accounts of Densai (R) as funds to be paid for an account and used as security are quickly applied to the loan, so that the customer have advantages in calculation of an interest rate.SELECTED DRAWING: Figure 1 |
