A method of auotmatically offering a further credit deal

摘要

A method of inviting customers of a financial institution to alter the terms of a credit contract, thereby retaining customers better and promoting new business. When a creditor issues a bill and/or executes a reminding process, invitation target customers each satisfying conditions for being a defaulting debtor or a candidate defaulting debtor are extracted from a list of all debtors, and each of the extracted debtors is notified of an address of a Web site at which a service is provided for guiding customers to new contracts. At the Web site, a payment plan which is to be followed after alteration of present contract contents is simulated, and if the debtor consents to a result of the simulation, a procedure for altering the present contract contents can be taken instantly. Since debtors eligible for new contracts are each extracted as invitation target customers, and a payment plan which is to be followed under a new contract can be checked instantly, the customer is saved time and effort.