CARD LOAN USAGE SUPPORT METHOD

To provide a card loan usage support method that can predict the timing of insufficient balance and the estimated amount of insufficient balance over a period of time for withdrawals that occur repeatedly on a regular basis and also enable users to confirm the available amount and borrow from it.SOLUTION: A server extracts a customer's account balance and actual withdrawal repetitive event information regarding expected withdrawals from the account. In the case of multiple extractions of the actual withdrawal repetitive event information, the server subtracts the actual withdrawal amount from the account balance for each actual withdrawal repetitive event information in the order of the expected occurrence date of each actual withdrawal repetitive event, performs balance prediction processing for predicting the expected occurrence date of the actual withdrawal repetition event and the predicted amount of insufficient balance at the timing of insufficient balance when the account balance becomes negative, displays the expected occurrence date of the actual withdrawal repetition event and the predicted amount of insufficient balance at the timing of insufficient balance predicted by the balance prediction processing to the customer, prompts the customer to enter a borrowing amount, and performs borrowing registration processing when the customer sets the borrowing amount.SELECTED DRAWING: Figure 1 【課題】定期的に繰り返し発生する引落に対して、残高不足タイミングと残高不足予測額とを期間的に余裕を持って予測ができ、更に借入できる利用可能額を確認して借入ができるカードローン利用支援方法を提供すること。【解決手段】サーバーが、顧客の口座残高と、口座から引落が予測される実績出金繰り返しイベント情報を抽出し、複数の実績出金繰り返しイベント情報が抽出される場合には、実績繰り返しイベント発生予測日の順に、口座残高から実績出金繰り返しイベント情報ごとに実績引落金額を減算し、口座残高がマイナスとなる残高不足タイミングでの実績繰り返しイベント発生予測日と残高不足予測額とを予測する残高予測処理を行い、残高予測処理によって予測される残高不足タイミングでの実績繰り返しイベント発生予測日と残高不足予測額とを顧客に対して表示し、顧客に対して、借入額の入力を促し、顧客が借入額を設定すると借入登録処理を行う。【選択図】 図１