JPS59216265A - Electronic apparatus - Google Patents

Abstract

PURPOSE:To apply an electronic apparatus to a loan calculation, a reserve charge, etc., and to make the electronic apparatus practical and easily usable by correcting a necessary period to the end of payment to an integer, outputting it, adding the difference generated by this correction to the total amount of payment for adjustment, and outputting it by an integer. CONSTITUTION:In addition to a prescribed registering key and a function key, a property calculating mode key PV, a period output key N to the end of payment of a loan, etc. are provided on a keyboard 3 of an electronic apparatus, and an operation of each key is detected by a key matrix 31. A detection result of an operation of said each key is inputted to a CPU11 of a processing device 1. An ROM12 and an RAM13 are connected to this CPU11, and an operation result of the CPU11 is printed by a printer 21 of a printer part 2. In this way, in case of a calculation, etc. of a loan calculation and a reserve charge, a period to the end of payment is corrected to an integer and outputted, a difference of the amount of money generated by this correction is added to the amount of payment of an adjustment month and outputted by an integer, and accordingly, the electronic apparatus becomes practical and easily usable.

Description

DETAILED DESCRIPTION OF THE INVENTION Technical Field The present invention relates to electronic equipment, particularly electronic equipment such as an electronic desk-hif sankeki (hereinafter referred to as a calculator) having property calculation functions such as loan payments and periodic savings.

Prior Art FIG. 1 shows an example in which a conventional calculator having this type of property calculation function is used to calculate property. (The following explanation uses a calculator as an example.) Here, we will calculate the period when we borrow 12,000,000 yen at an interest rate of 065 per month and the monthly repayment amount is 95,000 yen, and use the calculator to calculate the period. The results of printing using the attached printing mechanism are shown.

12,000,0OOPV in the first line of Figure 1 is borrowed money,
0.65% is the interest rate, 95.0001) MT is the monthly payment amount, and the last 265.5769N is the calculation result,
This indicates the number of months after which payment will end.

As shown above, in conventional loan payment division,
The period for which repayment ends may be determined as an integer, or may be output including a decimal number indicating one month or less. However, in actual payments, there is no payment period below the decimal point, and the final payment month, which is displayed as an integer number, is the adjustment month, and the payment amount is adjusted by adding the remaining amount to the payment amount. Like a calculator with property calculation function, it outputs and displays calculation results to the decimal point,
Or even if it is printed, it is unrealistic and meaningless for the user and can only serve as a rough estimate. This is exactly the same even in the case of a calculator in which calculation results are output only by a display device that does not include the above-mentioned printing device.

Purpose The present invention has been made based on the drawbacks of the conventional device, and it is an object of the present invention to stop outputting calculation results vaguely down to the decimal point and to output calculation results corresponding to the actual payment method. The aim is to provide electronic devices with such improvements.

Example In order to achieve the above object, in the present invention, if the period until the end of payment is calculated to the decimal point, the period is corrected to an integer, and the payment amount resulting from the correction is The system adjusts the number of months required for payment, the amount to be paid each month, and outputs the amount to be paid in the adjustment month as an integer.

Hereinafter, the present invention will be described in detail based on embodiments shown in the drawings. However, the following explanation will be given using the above-mentioned calculator with a printing device as an example.

FIG. 2 shows the configuration of a calculator that employs the present invention, and the processing device designated by reference numeral 1 in the figure mainly consists of:
A known CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12 storing a processing program,
It is composed of a RAM (random access memory) 13 having various registers, etc., and an input device consisting of a keyboard 3, an output section of the printer part 2, and a data/data input device.
They are connected by a cross. Keyboard 3 has numerical keys (0 to 9) and calculation keys (-4-, -, x, ÷,
=.

r, etc.), and property calculation mode key PV related to the present invention.
, a period output key (N1 until the end of loan payment), a calculation start key (COMI), and other mode specification keys, and has a key matrix 31 that detects the press of these keys. . Further, the printer part 2 is composed of a printer 1), a printer 21, and a printer driver 22 that drives it under the control of the processing device 1.

Next, the processing operation of the CPUI 1 in the above-described configuration will be explained in detail with reference to the flowchart shown in FIG.

First, in step S1 in FIG. 3, the system waits for the user to designate a mode. If a property calculation mode designation key (not shown) is pressed, the property calculation routine starts from step 82, but if another mode key, such as a statistical calculation mode key, is pressed, the process moves to that mode.

Next, in step S2, the values of each register are initialized,
In step S3, the next key personnel is waited for.

In step S4, it is determined whether the pressed key is a numeric key. For example, in the case of loan payment calculation, pressing this numerical key is to input parameters such as loan amount, interest rate, payment amount, etc. As shown in Figure 4, 12,000,0001) (borrowed amount) ,
065% (interest rate), 95,000 J) MT (payment amount) are input using the above-mentioned function keys and numeric keys, and each input is sent to the printer unit 2.
Printed by However, this printing may be performed all at once in the process described later, or the input order of the above parameters may be changed arbitrarily by those skilled in the art. If the key pressed in step s4 is not a numeric key, the process moves to step S8, which will be described later.

If each of the above-mentioned parameters is input by pressing a numerical key, a flag corresponding to each parameter is set in step S5, and the contents of each parameter register are checked in step S6. If the input is insufficient at this stage, the flag corresponding to each parameter is set. or
(If there is a mistake in the input, the process returns from step S6 to step S3) Flag I indicating completion of parameter input
After setting F in step S7, the process moves to step S8. If the numeric key is not pressed in step S4, the process moves directly to step S8.

In step S8, it is checked whether the clear key has been pressed. If the clear key is pressed in step S8, the user can change the value input in step S3.
Or if you want to cancel, clear the register of each parameter in step S9 and set the flag I".
After resetting "l", the process returns to step S3 and waits for a new input. If the clear key is not pressed, the process returns to step S3.
Move on to 10.

In step S10, it is determined whether the calculation start key (COMI) has been pressed. Property calculation start key C
If OMP is not pressed, an error ends in step 822; if it is pressed, a flag 1"COMf) indicating the start of calculation is set in step 811, and then the process moves to step S12 to check whether the previous parameter is stored in the register or not. is confirmed by examining the aforementioned 7-lag I''F. If flag FF is not set, the process ends in error at step 822.

In the next step 813, it is determined whether the user has pressed the key N that outputs the period until the end of payment. If it is not pressed, the 7-lag F'COMP of the asset calculation start key COMP is reset in step 823, and the process returns to normal calculation processing.

If the period ratio key N until the end of payment is pressed, calculation is executed in step S14 according to each parameter input earlier. Here, the period (number of times) until the end of payment is calculated to the nearest decimal point according to the input values (loan money, interest rate, payment amount). Also, at this time, it is determined whether the period until the end of payment is an integer or has been calculated to the decimal point, and if it has been calculated to the decimal point, a flag FP is set.

In step S15, it is determined whether the calculation result in step 814 is below the decimal point by checking the first D flag F i), and if the flag FP is not set, the process moves to step 825.

If the flag FP is set in step 815, that is, the calculation result is not an integer, the next step S16
Perform adjustment processing. This is a correction process that outputs all period outputs until the end of payment as integers.For example, based on the previous input state, the loan amount is 12,000.
000 yen, interest rate 0.65%, and payment amount 95,000 yen/month, the period required to complete the payment is 265.5
The calculation results in 767 months, but this is based on a method that uses the integer part of this calculation result as the final required period. In other words, in this example, 265 months are required.

In this way, by adjusting the payment period to an integer number of months by rounding down the fractions below the decimal point, the payment amount will naturally change, but the amount affected by the adjustment to an integer number of months will be determined in step 817. The month of the last payment will be considered as the adjustment month, and the correction will be processed taking that month into account.

After resetting the previous flag FP in the next step 81B, the following step 819 outputs the period required until the end of payment as an integer corrected in step 816, and in step S2
If 0, the payment amount for the adjustment month (in this embodiment, the final month) is output, taking into account the difference in amount caused by the correction. At this time, the adjustment power does not have to be limited to the final round, and the number of adjustments can be set once or twice a year.Also, this can be applied to calculate the bonus monthly payment amount. good.

Next, in step 821, the division result obtained as described above is printed out by the printer section 2.

An example of this printing is shown in FIG.

Here, 1265NJ on the 4th line is the required period until the end of payment, which is output as an integer month after correcting the decimal places, and r95.NJ on the 5th line. OOOPMTI is the monthly payment amount, and r95,078 ENDJ on the 6th line is the payment amount for the adjusted month, taking into account the difference caused by adjusting the period required until the end of payment to an integer period. (In this example, the adjustment month is one month.) The printing of each parameter mentioned above may be set to be printed at the same time as the calculation result in this step, and it is not limited to the printing device. It may also be configured to be output on a display device. When the output of the division result is completed, the process returns to step S3 and waits for the next key input. Furthermore, the subscripts such as "PMT" and "ENl)1" may be any other subscripts as long as the monthly payment amount and the adjustment month payment amount can be distinguished, and there is no need to use them.

Effects As is clear from the above explanation, in the present invention, in an electronic device capable of calculating assets, the period required until the end of payment is corrected to an integer number corresponding to the actual payment method and output. In addition, since the difference in amount caused by this correction is added to the payment amount for the adjustment month and output as an integer, the user can obtain specific calculation results immediately corresponding to the actual payment. As a result, it is possible to provide an electronic device that is more practical and easy to use than conventional devices of this type.The present invention can be widely applied not only to loan calculations, but also to periodic savings, insurance premium calculations, etc. Of course it is possible.

[Brief explanation of the drawing]

FIG. 1 is an explanatory diagram of output results in a conventional electronic device, FIG. 2 is a block diagram showing an embodiment of the electronic device according to the present invention, and FIG. 3 is a flowchart showing the flow of processing of the CPU 11 in FIG. FIG. 4 is an explanatory diagram showing the output results of the electronic device according to the present invention. 1... Processing device 2... Printer section 3...
Keyboard 11 ・・CPU 12・-ROM
13. RAM21...Printer. Patent applicant Canon Co., Ltd. Figure 4

Claims (1)

[Claims] An electronic device that has property calculation functions such as loan payments, regular payments, and savings, and is characterized in that it outputs the period required for payment and the amount to be paid in the adjustment month as integers.