Business support device, business support method and business support program

Abstract

To allow a bank providing a loan to remit a portion of a loan amount for a debtor to a bank account of a third party.SOLUTION: An acquisition unit acquires, from a storage unit, loan source bank account information on a bank account of an own bank held by a loan source bank that provides a loan to a debtor, debtor bank account information on a bank account held by the debtor at the loan source bank, and desired remittance destination bank account information on a bank account of a bank to which the debtor wishes to remit funds. A remittance linkage data generation unit generates first remittance linkage data requesting remittance of a full loan amount from the loan source bank account of the own bank indicated in the loan source bank account information to the debtor bank account held by the debtor at the loan source bank indicated in the debtor bank account information, and second remittance linkage data instructing remittance of the amount specified by the debtor from the debtor bank account to which the full loan amount has been remitted to a desired remittance destination bank account to which the debtor wishes to remit funds. A communication control unit transmits the generated remittance linkage data to an accounting system of the bank that performs remittance processing.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a business support device, a business support method, and a business support program. [Background technology]

[0002] In the automated teller machine deposit control system disclosed in Patent Document 1 (JP 2011-215674 A), specific process activation means is activated in response to an operation requesting acceptance of a donation, fundraising, or collection, and cash is accepted by the cash handling machine. Display means displays the count result of the accepted cash, and a printer prints a receipt showing the accepted amount in response to an operation approving the processing of the relevant cash.

[0003] The account deposit processing means processes the received amount as a deposit into a specific account of a financial institution that directly manages the cash handled by the automated teller machine. The account deposit processing means also stores the accumulated deposit amount, which is the cumulative sum of the received amount, in a memory device each time the corresponding specific deposit processing is executed. The lump sum remittance means remits the lump sum to the specified account at the timing of a predetermined remittance instruction.

[0004] This allows donations, fundraising, or collection to be easily carried out using an automated teller machine, thereby reducing the load on the remittance system of a financial institution. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Laid-Open No. 2011-215674 Summary of the Invention [Problem to be solved by the invention]

[0006] In a loan business, there are cases where a part of the loan amount provided to a debtor is required to be transferred to a third party via the debtor's account.

[0007] However, in the past, it was difficult to register the bank account of a third party other than the borrower receiving the loan. In addition, the bank providing the loan had to first transfer the entire loan amount to the bank account of the borrower to be the recipient of the loan.

[0008] This makes it difficult for a bank to transfer part of the loan amount to a third party's bank account other than the debtor.

[0009] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a business support device, a business support method, and a business support program that enable a bank providing a loan to transfer a portion of the loan amount to a debtor to the bank account of a third party other than the debtor. [Means for solving the problem]

[0010] In order to solve the above-mentioned problems and achieve the object, the business support device of the present invention includes an acquisition unit that acquires, from a storage unit, loan originator bank account information of a bank account held at the loan originator bank that provides a loan to a debtor, debtor bank account information of a bank account held by the debtor at the loan originator bank, and desired remittance destination bank account information of a bank account at one or more banks to which the debtor wishes to remit money; and a processing unit that transfers, to the debtor, a loan originator bank account of the loan originator bank indicated by the acquired loan originator bank account information to a debtor bank account held by the debtor at the loan originator bank indicated by the debtor bank account information. and a communication control unit that controls the communication unit to transmit the generated first remittance linkage data and the generated second remittance linkage data to the accounting system of the bank that processes the remittance.

[0011] In order to solve the above-mentioned problems and achieve the object, the business support method according to the present invention includes an acquisition step in which an acquisition unit acquires, from a storage unit, loan originator bank account information of a bank account at the loan originator bank that provides a loan to a debtor, debtor bank account information of a bank account held by the debtor at the loan originator bank, and desired remittance destination bank account information of a bank account at one or more banks to which the debtor wishes to remit; and a remittance link data generation unit generates a remittance link data from the loan originator bank account at the loan originator bank indicated by the acquired loan originator bank account information to the debtor bank account held by the debtor at the loan originator bank indicated by the debtor bank account information. The method includes a remittance linkage data generation step of generating first remittance linkage data instructing the remittance of the full amount of the loan amount to be provided to the debtor, and second remittance linkage data instructing the remittance of an amount designated by the debtor from the debtor's bank account to which the full amount of the loan amount has been transferred to a desired remittance destination bank account, which is the bank account of the bank to which the debtor wishes to transfer money, as indicated by the desired remittance destination bank account information; and a communication control step of controlling the communication unit so that the communication control unit transmits the generated first remittance linkage data and second remittance linkage data to the accounting system of the bank that performs the remittance processing.

[0012] In order to solve the above-mentioned problems and achieve the object, the business support program of the present invention includes a computer including an acquisition unit that acquires, from a storage unit, loan originator bank account information of a bank account held at a loan originator bank that provides a loan to a debtor, debtor bank account information of a bank account held by the debtor at the loan originator bank, and desired remittance destination bank account information of a bank account at one or more banks to which the debtor wishes to remit money, and a transfer unit that transfers, from the loan originator bank account at the loan originator bank indicated by the acquired loan originator bank account information, the debtor bank account held by the debtor at the loan originator bank indicated by the debtor bank account information. and a remittance linkage data generation unit that generates first remittance linkage data instructing the remittance of the full amount of the loan amount to be provided to the debtor, and second remittance linkage data instructing the remittance of an amount designated by the debtor from the debtor's bank account to which the full amount of the loan amount has been transferred to the desired remittance destination bank account, which is the bank account of the bank to which the debtor wishes to transfer funds, as indicated in the desired remittance destination bank account information; and a communication control unit that controls the communication unit to transmit the generated first remittance linkage data and second remittance linkage data to the accounting system of the bank that processes the remittance. [Effects of the Invention]

[0013] The present invention allows a bank that provides a loan to transfer a portion of the loan amount to a debtor to a bank account of a third party other than the debtor, thereby eliminating the need for the debtor to transfer a portion of the loan amount to a third party after the loan is granted. [Brief explanation of the drawings]

[0014] [Figure 1] FIG. 1 is a block diagram illustrating a hardware configuration of a task assistance device according to an embodiment. [Figure 2] FIG. 2 is a diagram showing how the account numbers of bank accounts opened at one's own bank are stored in a bank classification master table in a comparative example. [Figure 3] FIG. 3 is a diagram showing an example of a customer bank data storage unit in which the account number of the bank to which the loan amount is transferred to the debtor is stored in the comparative example. [Figure 4]FIG. 4 is a diagram showing an example of the storage unit of loan application data that indicates the loan amount, the transfer originating bank, and the transfer destination bank created at the time of applying for a loan in the comparative example. [Figure 5] FIG. 5 is a diagram showing an example of a delivery information screen displayed in a comparative example, in which a transfer originating bank and a transfer destination bank are entered based on loan data at the time of application. [Figure 6] FIG. 6 is a diagram showing an example of an account loan data storage unit in the comparative example, which stores account loan data including a transfer originating bank, a transfer destination bank, and a loan amount input via the delivery information screen. [Figure 7] FIG. 7 is a diagram showing an example of a bank classification master table in which the bank account number of the bank in question is registered. [Figure 8] FIG. 8 is a diagram showing an example of a customer bank data storage unit in which the bank account of a debtor and the bank account of a third party to which the debtor wishes to remit money are registered. [Figure 9] FIG. 9 is a diagram showing an example of an application-time loan data storage unit that stores application-time loan data generated based on various information input via the grant information screen. [Figure 10] FIG. 10 is a diagram showing an example of an application multiple remittance destination data storage unit that stores application multiple remittance destination data generated based on various information input via the issuance information screen. [Figure 11] FIG. 11 shows an example of the delivery information screen on which the transfer origination bank account, the transfer destination bank account, the remittance destination bank account designated by the debtor, and the bank account for fee collection are entered. [Figure 12] FIG. 12 is a diagram showing an example of a confirmed account loan data storage unit in which confirmed account loan data obtained by confirming the input contents of the loan data at the time of application is stored. [Figure 13] FIG. 13 is a diagram showing an example of the confirmed multiple remittance destination data storage unit in which the input contents of the multiple remittance destination data at the time of application have been confirmed. [Figure 14] FIG. 14 is a diagram illustrating an example of a remittance-linked data storage unit that stores remittance-linked data generated by the remittance-linked data generation unit. DETAILED DESCRIPTION OF THE INVENTION

[0015] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A task support device according to an embodiment of the present invention will be described in detail below with reference to the accompanying drawings. However, the present invention is not limited to the following embodiment.

[0016] (Hardware configuration) The business support device 1 of the embodiment shown in Fig. 1 is a business support device 1 of Bank A that provides loans to debtors. This business support device 1 includes a memory unit 2, a control unit 3, a communication interface unit 4, and an input / output interface unit 5. An input device 6 and an output device 7 are connected to the input / output interface unit 5. The output device 7 corresponds to a display unit such as a monitor device (including a home television), a printing device, a speaker device, or the like.

[0017] As the input device 6, a keyboard device, a mouse device, a microphone device, etc., as well as a monitor device that cooperates with a mouse device to realize a pointing device function, etc., can be used.

[0018] The communication interface unit 4 is an example of a communication unit, and is connected to a private network 50 such as a LAN (Local Area Network). Connected to this private network 50 is a bank A accounting system terminal device 51 of bank A, which transfers the loan amount to the debtor and transfers part of the loan amount to a third party bank account desired by the debtor. The business support device 1 and bank A accounting system terminal device 51 are connected to each other via the private network 50 so as to be able to communicate with each other.

[0019] In addition, private network 50 is connected to wide area network 52 such as the Internet. Connected to wide area network 52 is a terminal device 53 of the accounting system of another bank (a bank different from Bank A) where a judicial scrivener, who is an example of a third party to whom the debtor wishes to transfer money, holds a bank account. Also connected to wide area network 52 is a terminal device 54 of the accounting system of a bank where Bank A holds a bank account for collecting fees for loan procedures.

[0020] As will be described later, Bank A's accounting system terminal device 51 processes the transfer of the entire loan amount to the debtor's bank account at its own bank, transfers a portion of the loan amount to the judicial scrivener's accounting system terminal device 53 of the other bank, and transfers a portion of the loan amount equivalent to the fee for the loan procedure to Bank A's fee collection bank's accounting system terminal device 54. This makes it possible for Bank A to transfer funds to a third party as desired by the debtor.

[0021] For example, a storage device such as a ROM (Read Only Memory), a RAM (Random Access Memory), an HDD (Hard Disk Drive), or an SSD (Solid State Drive) can be used as the storage unit 2. The storage unit 2 stores a business support program that enables Bank A, which provides a loan, to transfer a portion of the loan amount to a debtor to a bank account of a third party other than the debtor.

[0022] The storage unit 2 also includes a bank classification master table 11, a customer bank data storage unit 12, a loan application data storage unit 13, a loan application multiple remittance destination data storage unit 14, a confirmed account loan data storage unit 15, a confirmed multiple remittance destination data storage unit 16, and a remittance linkage data storage unit 17, which are storage areas. Details will be described later.

[0023] (Functional configuration of business support device) Next, the control unit 3 executes the business support program stored in the memory unit 2, thereby functioning as an acquisition unit 21, a data generation unit 22, a communication control unit 23, a display control unit 24, and a remittance linkage data generation unit 25, as shown in Figure 1.

[0024] The acquisition unit 21 acquires from the memory unit (client bank data memory unit 12 in Figure 8) the loan originator bank account information of the bank account (Bank A's bank account) held by the loan originator bank (Bank A's side) that provides the loan to the debtor, the debtor bank account information of the bank account held by the debtor at the loan originator bank (debtor's bank account information at Bank A), and the desired remittance destination bank account information of the bank account at one or more banks to which the debtor wishes to transfer funds (account information of the bank where the judicial scrivener holds a bank account).

[0025] The remittance linkage data generation unit 25 generates first remittance linkage data that instructs the remittance of the full amount of the loan to be provided to the debtor from the loan source bank account of its own bank, which is indicated by the loan source bank account information acquired by the acquisition unit 21, to the debtor bank account that the debtor holds at the loan source bank, which is indicated by the debtor bank account information. In addition, the remittance linkage data generation unit 25 generates second remittance linkage data that instructs the remittance of an amount designated by the debtor from the debtor's debtor bank account, to which the full amount of the loan has been deposited, to the desired remittance destination bank account (the judicial scrivener's bank account), which is the bank account of the bank to which the debtor wishes to transfer money, which is indicated by the desired remittance destination bank account information.

[0026] The communication control unit 23 controls the communication unit (communication interface unit 4) to transmit the generated first remittance linkage data and second remittance linkage data to the bank's accounting system (Bank A's accounting system terminal device 51) that performs the remittance processing.

[0027] The display control unit 24 displays a delivery information screen, which will be described later, via the output device 7.

[0028] (Comparative Example) Next, before describing the operation of the task assistance device 1 according to the embodiment, the operation of a task assistance device that serves as a comparative example to the embodiment will be described.

[0029] The business support device of the comparative example first stores the account number of the bank account acquired at the bank in the bank classification master table as shown in Figure 2. This bank account at the bank becomes the bank account of the transferor bank (=the bank) that transfers the loan amount to the debtor.

[0030] Next, the account number of the bank to which the loan amount to be provided to the debtor (customer) will be transferred is stored in the customer bank data storage unit shown in Figure 3. In the example of Figure 3, the customer number "1" is the debtor's customer number, and the account number "1234567" at "Bank A", "Branch A" is the debtor's account number.

[0031] Next, as shown in Fig. 4, based on the loan application data indicating the loan amount, the transferor bank, and the transferee bank created when applying for the loan, the transferor bank from which the loan amount will be transferred and the transferee bank of the debtor to which the loan amount will be transferred are entered via the delivery information screen shown in Fig. 5. As a result, the account loan data including the transferor bank, transferee bank, and loan amount entered via the delivery information screen is stored in the account loan data storage unit as shown in Fig. 6.

[0032] In this comparative example, the debtor has only one bank to which the loan amount is to be transferred. Therefore, when the debtor transfers money to a third party, the debtor must transfer the loan amount transferred to the bank from his / her own bank account (the bank account to which the loan amount was transferred) to the third party's bank account, which is a burden on the debtor.

[0033] (Remittance Operation of the Business Support Device of the Embodiment) Next, a remittance operation of the business support device 1 according to the embodiment will be described.

[0034] First, the person in charge opens a bank account at their own bank as a bank account for transferring the loan amount to the debtor via a bank classification master input screen (not shown). As a result, the data generation unit 22 generates bank classification master data including the bank account number for the loan to the debtor, and stores it in the bank classification master table 11 as shown in Figure 7. The example in Figure 7 is an example in which branch A of bank A, which has bank classification "1," has opened an account with account number "9999999."

[0035] Next, the person in charge inputs, via an application input screen not shown, the debtor's account number at Bank A (= the account number to which the remittance will be sent) and the account number of the bank where the third party to whom the debtor wishes to send the remittance has a bank account, both of which were submitted by the debtor when applying for the loan. As a result, the data generation unit 22 generates customer bank data including the debtor's account number at Bank A and the account number of the bank where the third party to whom the debtor wishes to send the remittance has a bank account, and stores the data in the customer bank data storage unit 12 shown in Fig. 8.

[0036] In the example of Figure 8, the account number "1234567" of "Branch A" of "Bank A" is registered in the customer bank data storage unit 12 as the bank account of the debtor to which the loan amount will be transferred. Also, in the example of Figure 8, the account number "9876543" of "Bank B", "Branch B" is registered in the customer bank data storage unit 12 as the bank account of the judicial scrivener to whom the debtor wishes to transfer part of the loan amount.

[0037] Next, the person in charge specifies the display of the delivery information screen via the input device 6. When this specification operation is performed, the display control unit 24 displays the delivery information screen shown in FIG. 11 via the output device 7. At this time, the display control unit 24 references the bank classification master table 11 shown in FIG. 7, and automatically inputs the bank classification of "1", the bank name of "Bank A", the branch name of "Branch A", and the account number of "9999999" as the transferor bank that will remit the loan amount to the debtor, and displays them on the delivery information screen.

[0038] In other words, the display control unit 24 displays the bank classification, bank name, branch name, and account number of the bank registered in the bank classification master table 11 as the transfer originating bank on the delivery information screen.

[0039] The person in charge also inputs the bank name, branch name, account type, account number, account holder name, and remittance amount (loan amount) of the bank where the debtor holds the bank account on this delivery information screen. The example in Figure 11 shows the input of the bank name "Bank A," the branch name "Branch A," the account type "Regular," the account number "1234567," the account holder name (debtor's name) of "Customer A," and the remittance amount (loan amount) of "10 million yen."

[0040] The person in charge also inputs to this delivery information screen the bank account information of the third party to which the debtor wishes to transfer part of the loan amount, the debtor's bank account information from which the third party's bank account will be transferred, the bank account information held by Bank A, which provides the loan, for collecting fees, and the debtor's bank account information from which this fee will be transferred.

[0041] The record with sequence number (SEQ) "1" shown in Figure 11 shows an example of input of the bank account information of a third party to which the debtor wishes to transfer part of the loan amount, and the debtor's bank account information that will be the transfer source for the third party's bank account. The example in Figure 11 shows that the bank account information of Customer A (debtor)'s bank account with account number "1234567" of "Bank A", "Branch A", and a regular deposit type, which is the bank account to which the loan amount will be deposited, has been input as the debtor's bank account information that will be the transfer source for the third party's bank account.

[0042] In addition, the example in Figure 11 shows that the bank account information of a third party to whom the debtor wishes to transfer part of the loan amount (as the transfer destination) has been entered as the bank account information for a regular deposit account number "5418777" held by a judicial scrivener at "Bank D", "Branch D".

[0043] Furthermore, the record with sequence number (SEQ) "2" shown in Figure 11 shows an example of input of the bank account information held by the loan provider Bank A for collecting fees, and the bank account information of the debtor from which the funds will be transferred to this bank account for collecting fees. The example in Figure 11 shows that the bank account information of Customer A (debtor) with account number "1234567" at "Bank A" and "Branch A" and a regular deposit type, which is the bank account into which the loan amount will be deposited, has been input as the debtor's bank account information from which the funds will be transferred to a third party's bank account.

[0044] The example in Figure 11 also shows that the bank account information for the ordinary deposit type "5418888" at "Bank E", "Branch F" has been entered as the bank account information for fee collection (as the transfer destination).

[0045] When various information is entered into the issuance information screen in this manner, the data generation unit 22 generates application-time loan data including the debtor's customer number, branch number, transferor bank classification, transferee bank sequence number, and loan amount (in this example, 10 million yen) as illustrated in Figure 9 based on the various information entered into the issuance information screen, and stores the data in the application-time loan data storage unit 13.

[0046] Furthermore, based on the various information entered on the issuance information screen, the data generation unit 22 generates application-time multiple remittance destination data including the bank account information of the third party (the judicial scrivener) and the bank account information for fee collection, as illustrated in FIG. 10, and stores this in the application-time loan multiple remittance destination data storage unit 14. The example in FIG. 10 is an example in which a remittance of "1 million yen" is specified from the loan amount of 10 million yen to the bank account of the third party (the judicial scrivener) (Bank D, Branch D, account number 5418777). The example in FIG. 10 is also an example in which a remittance of "500,000 yen" is specified from the loan amount of 10 million yen to the bank account for fee collection (Bank E, Branch F, account number 5418888).

[0047] Next, as shown in Fig. 12, the data generation unit 22 generates confirmed account loan data by confirming the input contents of the loan data at the time of application shown in Fig. 9, and stores the data in the confirmed account loan data storage unit 15. As a result, in this example, the loan amount of "10 million yen" is confirmed, with the debtor as the remittance destination.

[0048] 10, the data generation unit 22 generates confirmed multiple remittance destination data by confirming the input contents of the multiple remittance destination data at the time of application shown in FIG. 10, as shown in FIG. 13, and stores the data in the confirmed multiple remittance destination data storage unit 16. As a result, the bank account (Bank D, Branch D, account number 5418777) of the third party (a judicial scrivener) to which the debtor wishes to transfer part of the loan amount is confirmed as the first remittance destination, and the remittance amount (1 million yen) is also confirmed. Furthermore, the bank account (Bank E, Branch F, account number 5418888) for collecting fees is confirmed as the second remittance destination, and the remittance amount (500,000 yen) is also confirmed.

[0049] Once the loan amount to the debtor and the transfer destination of a portion of the loan amount have been determined in this manner, the remittance linkage data generation unit 25 generates first remittance linkage data for the remittance amount of 10 million yen, as shown in Figure 14, with the bank account of Bank A (Bank A, Branch A, account number 9999999) described using Figure 7 as the transfer source and the debtor's bank account (Bank A, Branch A, account number 1234567) as the transfer destination.

[0050] In addition, as shown in Figure 14, the remittance linkage data generation unit 25 generates second remittance linkage data for the remittance amount of "1 million yen", with the debtor's bank account (Bank A, Branch A, account number 1234567) to which the loan amount of "10 million yen" will be transferred as the transfer source and the bank account of the judicial scrivener desired by the debtor (Bank D, Branch D, account number 5418777) as the transfer destination.

[0051] In addition, as shown in Figure 14, the remittance linkage data generation unit 25 generates third remittance linkage data for a remittance amount of "500,000 yen", with the source of the remittance being the debtor's bank account (Bank A, Branch A, account number 1234567) to which the loan amount of "10 million yen" will be transferred, and the destination of the remittance being Bank A's bank account for collecting fees (Bank E, Branch F, account number 5418888).

[0052] The communication control unit 23 transmits the first to third remittance linkage data thus generated to the A-bank accounting system terminal device 51 via the communication interface unit 4 and the private network 50. The A-bank accounting system terminal device 51 processes the remittance of the loan amount of "10 million yen" to the debtor's bank account at its own bank based on the first remittance linkage data.

[0053] In addition, based on the second remittance linkage data, Bank A's accounting system terminal device 51 processes the transfer of 1 million yen out of the loan amount of 10 million yen from the debtor's bank account to the accounting system terminal device 53 of the judicial scrivener's bank account.

[0054] In addition, based on the third remittance linkage data, Bank A's accounting system terminal device 51 processes the remittance of a fee of "500,000 yen" out of the loan amount of "10 million yen" from the debtor's bank account to Bank A's accounting system terminal device 54 of the bank account used for fee collection.

[0055] This allows the bank providing the loan to remit a portion of the loan amount to the recipient desired by the borrower.

[0056] (Effects of the embodiment) As is clear from the above explanation, the business support device 1 of the embodiment enables gradual transfers, such as first transferring the entire loan amount to the debtor's bank account and then transferring a portion of this loan amount from the debtor's bank account to the bank account of a third party such as a judicial scrivener.

[0057] The total loan amount can be easily confirmed because the entire loan amount is transferred to the debtor's bank account once, rather than the loan amount minus the amount to be transferred to a third party being transferred to the debtor's bank account.

[0058] In addition, the bank can transfer the funds to a third party's bank account of the borrower's choice, which eliminates the need for the borrower to transfer part of the loan amount to a third party after the loan is received, thereby reducing the burden on the borrower.

[0059] [Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This invention can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of goals "8" and "9" of the SDGs.

[0060] Furthermore, this invention can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs goals 12, 13, and 15.

[0061] Furthermore, the present invention can contribute to strengthening control and governance, thereby contributing to the achievement of goal 16 of the SDGs.

[0062] [Other embodiments] The present invention can be implemented in various different forms other than the above-described embodiments within the scope of the technical concept described in the claims.

[0063] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically may be performed manually, or all or part of the processes described as being performed manually may be performed automatically using a known method or the like.

[0064] Furthermore, the processing procedures, control procedures, specific names, registered data for each process, information including parameters such as search conditions, screen examples, and database configurations shown in the specification or drawings may be changed as desired unless otherwise specified.

[0065] Furthermore, the components of the business support device 1 shown in the figure are conceptual functional components and do not necessarily have to have the physical configuration shown in the figure. For example, all or any part of the processing functions of the business support device 1, particularly the processing functions performed by the control unit 3, may be realized by a program interpreted and executed by the control unit 3 (CPU: Central Processing Unit), or may be realized by hardware using wired logic.

[0066] The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in the embodiments, and is mechanically read by the business support device 1 as needed. That is, a computer program is recorded in the storage unit 2, such as a ROM or HDD, for working with an OS (Operating System) to give instructions to a control unit 3 (CPU) and perform various processes. The computer program is loaded into RAM, expanded, and executed by the control unit 3 as appropriate.

[0067] In addition, the business support program of this business support device 1 may be stored in another server device connected to the business support device 1 via any network, and all or part of it may be downloaded and executed as needed.

[0068] Furthermore, the business support program for executing the processes described in the embodiments may be stored in a non-transitory computer-readable recording medium, or may be configured as a program product.

[0069] Here, the "recording medium" can be any "portable physical medium" such as a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical Disk), a DVD (Digital Versatile Disk), and a Blu-ray (registered trademark) Disc.

[0070] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code.

[0071] It should be noted that a "program" is not necessarily limited to a single structure, but includes a structure that is distributed as multiple modules or libraries, and a structure that achieves its function by working together with other programs, such as an OS.

[0072] Furthermore, the specific configuration for reading the recording medium in the task support device 1 of the embodiment, the reading procedure, and the installation procedure after reading can be any known configuration or procedure.

[0073] The memory unit 2 is a storage means such as a memory device such as RAM or ROM, a fixed disk device such as a hard disk, a flexible disk, or an optical disk, and stores various programs, tables, databases, web page files, etc. used for various processes or providing websites.

[0074] The business support device 1 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as an information processing device connected to any peripheral device. The information processing device may be implemented with software (including programs or data) that realizes the processes described in the embodiments.

[0075] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the drawings, and all or part of them can be functionally or physically distributed or integrated in any unit depending on various additions or functional loads. In other words, the above-mentioned embodiments can be selectively implemented by combining them in any way. [Industrial Applicability]

[0076] The present invention is suitable for application to remittance operations at lending companies such as banks. [Explanation of symbols]

[0077] 1 Business support equipment 2 Storage section 3. Control Unit 4. Communication interface section 5 Input / output interface section 6 Input Devices 7 Output Devices 11 Bank Classification Master Table 12 Customer bank data storage unit 13. Application loan data storage unit 14. Data storage unit for multiple remittance destinations for loans at the time of application 15. Confirmed Account Loan Data Storage Unit 16 Confirmed multiple remittance destination data storage unit 17. Remittance data storage unit 21 Acquisition Department 22 Data Generation Unit 23 Communication control section 24 Display control unit 25. Remittance Linkage Data Generation Department 50 Private Network 51 A Bank Accounting System Terminal Device 52 Wide Area Network 53. Terminal device for the accounting system of other banks operated by judicial scriveners 54 Terminal device for A Bank's fee collection bank's accounting system

Claims

1. an acquisition unit that acquires from a storage unit loan originator bank account information of a bank account held at a loan originator bank that provides a loan to a debtor, debtor bank account information of a bank account held by the debtor at the loan originator bank, and desired remittance destination bank account information of a bank account at one or more banks to which the debtor wishes to remit money; a remittance linkage data generation unit that generates first remittance linkage data instructing the remittance of the full amount of the loan to be provided to the debtor from the borrower's bank account of the borrower's bank indicated by the acquired loan originator bank account information to a debtor's bank account held by the debtor at the borrower bank indicated by the debtor bank account information, and second remittance linkage data instructing the remittance of an amount designated by the debtor from the debtor's bank account to which the full amount of the loan has been transferred to a desired remittance destination bank account, which is a bank account of a bank to which the debtor wishes to remit, indicated by the desired remittance destination bank account information; a communication control unit that controls a communication unit to transmit the generated first remittance linkage data and the generated second remittance linkage data to an accounting system of the bank that performs remittance processing; A business support device having the above.

2. the remittance link data generation unit generates, together with the first remittance link data and the second remittance link data, third remittance link data instructing the loan originating bank to remit an amount equivalent to the fee from the debtor's bank account to which the full amount of the loan amount has been deposited to a fee collection account, which is a bank account held by the loan originating bank at a bank for fee collection; the communication control unit controls the communication unit to transmit the generated first to third remittance linkage data to the accounting system of the bank that performs the remittance process, respectively; 2. The business support device according to claim 1, wherein:

3. an acquisition step in which an acquisition unit acquires, from a storage unit, loan originator bank account information of a bank account held at the loan originator bank that provides a loan to a debtor, debtor bank account information of a bank account held by the debtor at the loan originator bank, and desired remittance destination bank account information of a bank account at one or more banks to which the debtor wishes to remit money; a remittance linkage data generation step in which the remittance linkage data generation unit generates first remittance linkage data instructing the remittance of the full amount of the loan amount to be provided to the debtor from the loan source bank account of the bank indicated by the acquired loan source bank account information to a debtor bank account held by the debtor at the loan source bank indicated by the debtor bank account information, and second remittance linkage data instructing the remittance of an amount designated by the debtor from the debtor bank account of the debtor to which the full amount of the loan amount has been transferred to a desired remittance destination bank account, which is a bank account of a bank to which the debtor wishes to transfer money, indicated by the desired remittance destination bank account information; a communication control step in which a communication control unit controls a communication unit so as to transmit the generated first remittance linkage data and the generated second remittance linkage data to an accounting system of the bank that performs remittance processing; A business support method having the above.

4. Computer, an acquisition unit that acquires from a storage unit loan originator bank account information of a bank account held at a loan originator bank that provides a loan to a debtor, debtor bank account information of a bank account held by the debtor at the loan originator bank, and desired remittance destination bank account information of a bank account at one or more banks to which the debtor wishes to remit money; a remittance linkage data generation unit that generates first remittance linkage data instructing the remittance of the full amount of the loan to be provided to the debtor from the borrower's bank account of the borrower's bank indicated by the acquired loan originator bank account information to a debtor's bank account held by the debtor at the borrower bank indicated by the debtor bank account information, and second remittance linkage data instructing the remittance of an amount designated by the debtor from the debtor's bank account to which the full amount of the loan has been transferred to a desired remittance destination bank account, which is a bank account of a bank to which the debtor wishes to remit, indicated by the desired remittance destination bank account information; a communication control unit that controls a communication unit to transmit the generated first remittance linkage data and the generated second remittance linkage data to an accounting system of the bank that performs remittance processing; A business support program that functions as a

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