Delinquent credit managing device, delinquent credit managing method and delinquent credit managing program

Abstract

To provide a delinquent credit managing device, a delinquent credit managing method, and a delinquent credit managing program which can allot the balance of a money transfer source account to repayment of a delinquent credit even when the balance of the money transfer source account is less than a total amount of delinquent credits.SOLUTION: It is determined, based on client charging account data and delinquent credit charging data, whether the balance of a money transfer source account of a client on a delinquent reference day is less than a total amount of delinquent credits of the client; and when it is determined that the balance of the money transfer source account of the client is less than the total amount of the delinquent credits of the client, an account transfer process for a delinquent credit total amount to which the balance can be allotted is executed.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an apparatus for managing delinquent loans, a method for managing delinquent loans, and a program for managing delinquent loans. [Background technology]

[0002] Patent Document 1 discloses a configuration in which, when there is a time lag in the order in which each deposit by direct debit or transfer is identified, the deposit amounts are allocated to the monthly repayment amount in the order in which each deposit was originally made. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2019-139493 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in the invention described in Patent Document 1 above, when collecting late fees by direct debit to repay overdue debts, it is common to collect the total amount of overdue debts that are overdue for several months all at once, so there was a problem that if the balance of the transfer source account was less than the total amount of overdue debts, the amount could not be transferred by direct debit.

[0005] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a delinquent debt management device, a delinquent debt management method, and a delinquent debt management program that can use the balance of a transfer source account to repay a delinquent debt even if the balance of the transfer source account is less than the total amount due. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the objectives, the delinquent debt management device of the present invention is a delinquent debt management device equipped with a memory unit and a control unit, wherein the memory unit comprises a debt management memory means for storing customer billing account data that sets the customer's transfer source account, and delinquent debt claim data consisting of delinquency records that are set in linkage with the customer's total overdue amount and collection status, and the control unit comprises a delinquency determination means for determining, based on the customer billing account data and the delinquent debt claim data, whether the balance of the customer's transfer source account on the delinquency reference date is less than the total amount of the customer's total overdue amount, and an account transfer means for executing an account transfer process for the total amount of overdue that can be applied from the balance when it is determined that the balance of the customer's transfer source account is less than the total amount of the customer's total overdue amount.

[0007] In addition, in the delinquent debt management device of the present invention, the delinquent record is further set to be linked to a customer number, and when the account transfer means determines that the balance of the transfer source account of the customer is less than the total amount of the total delinquent amounts of the customer, it identifies the delinquent record in order of customer number that has set the total amount of delinquent amounts to which the balance can be applied, and executes the account transfer process for that delinquent record.

[0008] In addition, in the delinquent loan management device of the present invention, the delinquent record is further assigned a branch number, and when the account transfer means determines that the balance of the customer's transfer source account is less than the total amount of the customer's delinquent amounts, it identifies the delinquent record in order of customer number that sets the total amount of delinquent amount to which the balance can be applied, and from the delinquent record, it identifies the delinquent record in order of branch number that sets the total amount of delinquent amount to which the balance can be applied, and executes the account transfer process for the delinquent record.

[0009] In addition, in the delinquent loan management device of the present invention, the delinquent record further has a repayment due date set, and when the account transfer means determines that the balance of the customer's transfer source account is less than the total amount of the customer's delinquent amounts, it identifies the delinquent record in order of customer number that has set the total amount of delinquent amount to which the balance can be applied, identifies from the delinquent record in order of branch number, identifies from the delinquent record in order of repayment due date that has set the total amount of delinquent amount to which the balance can be applied, and executes the account transfer process for the delinquent record.

[0010] In addition, in the delinquent debt management device of the present invention, the account transfer means is further characterized in that, in accordance with the account transfer processing for the total amount of delinquency, it updates the collection status set in the delinquency record linked to the total amount of delinquency to collected.

[0011] In addition, in the delinquent debt management device of the present invention, the debt management storage means further stores collection performance data consisting of collection records linked to the customer's deposit date and total deposit amount, and the control unit further includes a performance update means for updating the collection performance data based on the delinquent debt claim data.

[0012] In addition, in the delinquent debt management device of the present invention, the debt management storage means further stores a repayment schedule consisting of schedule records linked to the customer's repayment due date and total repayment amount, linked to the collection performance data, and the control unit further comprises a billing creation means for creating the delinquent debt claim data by extracting the schedule records linked to the collection records for which payment has not yet been made and whose repayment due date has passed as of the delinquency reference date, based on the repayment schedule and the collection performance data.

[0013] In addition, in the delinquent debt management device of the present invention, the debt management storage means further stores contract data linked to the loan amount, loan interest rate, and late interest rate for the customer, and the billing creation means extracts the schedule record linked to the unpaid collection record, based on the repayment schedule and the collection performance data, for which the repayment due date has passed as of the late reference date, and based on the schedule record and the contract data, calculates the product of the principal amount of the total repayment amount, the late interest rate, and the number of days in arrears as the dividend and the quotient when the number of calendar days is used as the divisor to determine the late damage amount, thereby creating the delinquent debt claim data consisting of the delinquent records linked to the total delinquency amount including the late damage amount for the customer and the collection status.

[0014] In addition, in the delinquent debt management device of the present invention, the account transfer means is further characterized in that, when it is determined that the balance of the transfer source account of the customer is not less than the total amount of the customer's overdue amounts, it executes the account transfer process for all of the total amount of overdue amounts.

[0015] In addition, the delinquent debt management method of the present invention is a delinquent debt management method to be executed by a delinquent debt management device having a memory unit and a control unit, wherein the memory unit has a debt management memory means for storing customer billing account data setting the customer's transfer source account, and delinquent debt claim data consisting of delinquency records set in linkage with the customer's total delinquency amount and collection status, and is characterized by including: a delinquency determination step executed by the control unit, which determines whether the balance of the customer's transfer source account on the delinquency reference date is less than the total amount of the customer's total delinquency amount based on the customer billing account data and the delinquent debt claim data; and an account transfer step, which, when it is determined that the balance of the customer's transfer source account is less than the total amount of the customer's total delinquency amount, executes an account transfer process for the total amount of delinquency that can be applied to the balance.

[0016] In addition, the delinquent debt management program of the present invention is a delinquent debt management program to be executed by a delinquent debt management device having a memory unit and a control unit, wherein the memory unit has a debt management memory means for storing customer billing account data that sets the customer's transfer source account, and delinquent debt claim data consisting of delinquency records that are set in linkage with the customer's total delinquency amount and collection status, and the control unit is characterized by executing an delinquency determination step that determines, based on the customer billing account data and the delinquent debt claim data, whether the balance of the customer's transfer source account on the delinquency reference date is less than the total amount of the customer's total delinquency amount, and an account transfer step that, when it is determined that the balance of the customer's transfer source account is less than the total amount of the customer's total delinquency amount, performs an account transfer process for the total amount of delinquency that can be applied from the balance. [Effects of the Invention]

[0017] The present invention has the effect of enabling customers to make repayments little by little, thereby reducing the total amount of late payment charges. The present invention also has the effect of enabling moneylenders to improve their overdue collection rates. The present invention also has the effect of storing and outputting the calculation results of late payment charges for each receivable / scheduled repayment month, and importing and automatically allocating the results of claims for each receivable / scheduled repayment month. The present invention also has the effect of improving the overdue collection rates for financial institutions that provide loans to startup companies and other businesses with frequent overdue loans. The present invention also has the effect of calculating and outputting the claim amount for overdue receivables via direct debit. [Brief explanation of the drawings]

[0018] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of a delinquent loan management device according to this embodiment. [Figure 2] FIG. 2 is a diagram showing an example of the bond management data in this embodiment. [Figure 3]FIG. 3 is a flowchart showing an example of the processing of the delinquent loan management device in this embodiment. [Figure 4] FIG. 4 is a diagram showing an example of the delinquent loan management process in this embodiment. [Figure 5] FIG. 5 is a diagram showing an example of the delinquent loan management process in this embodiment. [Figure 6] FIG. 6 is a diagram showing an example of the delinquent loan management process in this embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0019] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to this embodiment.

[0020] [1. Overview] First, an outline of the present invention will be described.

[0021] Traditionally, among corporate loans, loans to startups have tended to have a higher frequency of delinquencies compared to other corporate loans, and when collecting late fees by direct debit, it has been common to collect the entire amount in one lump sum even if the amount is several months overdue.However, for startups that have difficulty managing their cash flow, there are many cases where the entire amount is not in the account, so direct debit is not possible, resulting in a low collection rate.In addition, with regard to billing for overdue receivables, it was previously only possible to save / print late fees and billing amounts on a per-receivable basis, even if the receivable was several months overdue, and the appropriation process after collection had to be carried out manually.

[0022] Therefore, in this embodiment, a mechanism is provided that allows allocation for each repayment month by adding an item to the billing result data that identifies which scheduled repayment month the deposit is for when repaying a delinquent loan. As a result, in this embodiment, although the number of processing times after billing increases, the load is reduced by the automatic allocation function.

[0023] [2. Configuration] An example of the configuration of the delinquent loan management apparatus 100 according to this embodiment will be described with reference to Figures 1 and 2. Figure 1 is a block diagram showing an example of the configuration of the delinquent loan management apparatus 100 according to this embodiment.

[0024] 1, the delinquent loan management device 100 is a commercially available desktop personal computer. Note that the delinquent loan management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0025] The delinquent loan management device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input / output interface unit 108. The units comprised in the delinquent loan management device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0026] The communication interface unit 104 communicably connects the delinquent loan management apparatus 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the delinquent loan management apparatus 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

[0027] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a touch panel), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that cooperates with a mouse to achieve a pointing device function. In the following, the output device 114 may be referred to as the monitor 114 or the printer 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0028] The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 stores computer programs that work in conjunction with the OS (Operating System) to issue commands to the CPU (Central Processing Unit) to perform various processes. The storage unit 106 may be, for example, a memory device such as RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, or an optical disk. The storage unit 106 includes a claim management database 106a.

[0029] The claim management database 106a stores claim management data. The claim management database 106a may store customer billing account data, which sets the customer's transfer source account, and / or overdue claim billing data, which consists of overdue records that link the customer's total overdue amount and collection status. The overdue records may be linked to a customer number, a branch number, and / or a repayment due date. The claim management database 106a may also store collection performance data, which consists of collection records that link the customer's deposit date and total deposit amount. The claim management database 106a may also store a repayment schedule, which consists of schedule records that link the customer's repayment due date and total repayment amount, linked to the collection performance data. The claim management database 106a may also store contract data that link the customer's loan amount, loan interest rate, and / or overdue interest rate. The claim management database 106a may also store billing method data.

[0030] An example of the bond management data in this embodiment will now be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of the bond management data in this embodiment.

[0031] As shown in Figure 2, the receivables management data in this embodiment may include contract data, customer billing account data, billing method data, repayment schedule, and collection performance data. Here, as shown in Figure 2, in this embodiment, each contract may be identified by "customer number + sub-number."

[0032] Returning to Fig. 1, the control unit 102 is a CPU or the like that performs overall control of the delinquent loan management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. Functionally, the control unit 102 conceptually comprises a bill creation unit 102a, a delinquency determination unit 102b, an account transfer unit 102c, and a performance update unit 102d.

[0033] The bill preparation unit 102a prepares overdue claim data. Here, the bill preparation unit 102a may prepare the overdue claim data by extracting schedule records linked to unpaid collection records and whose repayment due date has passed as of the overdue reference date based on the repayment schedule and collection performance data. Alternatively, the bill preparation unit 102a may prepare overdue claim data consisting of overdue records set in association with the total overdue amount including the customer's overdue damage amount and the collection status by extracting schedule records linked to unpaid collection records and whose repayment due date has passed as of the overdue reference date based on the repayment schedule and collection performance data, and calculating the quotient of the product of the principal amount broken down into the total repayment amount, the overdue interest rate, and the number of overdue days as the dividend and the number of calendar days as the divisor as the overdue damage amount based on the schedule records and contract data.

[0034] The overdue determination unit 102b determines whether the balance of the customer's transfer source account on the overdue reference date is less than the total amount of overdue amounts for the customer. Here, the overdue determination unit 102b may determine whether the balance of the customer's transfer source account on the overdue reference date is less than the total amount of overdue amounts for the customer based on the customer billing account data and the overdue claim billing data.

[0035] The account transfer unit 102c executes an account transfer process. Here, when the account transfer unit 102c determines that the balance of a customer's transfer source account is less than the total amount of the customer's overdue amounts, the account transfer unit 102c may execute an account transfer process for the total amount of overdue amounts that can be allocated from the balance. Furthermore, when the account transfer unit 102c determines that the balance of a customer's transfer source account is less than the total amount of the customer's overdue amounts, the account transfer unit 102c may identify, in order of customer number, overdue records for which a total amount of overdue amounts that can be allocated from the balance is set, and execute an account transfer process for the overdue records. Furthermore, when the account transfer unit 102c determines that the balance of a customer's transfer source account is less than the total amount of the customer's overdue amounts, the account transfer unit 102c may identify, in order of customer number, overdue records for which a total amount of overdue amounts that can be allocated from the balance is set, and then identify, from the overdue records, in order of branch number, overdue records for which a total amount of overdue amounts that can be allocated from the balance is set, and execute an account transfer process for the overdue records. Furthermore, when the account transfer unit 102c determines that the balance of a customer's transfer source account is less than the total amount of the customer's overdue amounts, it may identify overdue records in order of customer number, identify from the overdue records in order of branch number, identify from the overdue records in order of repayment due date, identify overdue records in order of repayment due date, and execute an account transfer process for the overdue records. Furthermore, in response to the account transfer process for the total overdue amount, the account transfer unit 102c may update the collection status set in the overdue record linked to the total overdue amount to collected. Furthermore, when the account transfer unit 102c determines that the balance of a customer's transfer source account is not less than the total amount of the customer's overdue amounts, it may execute an account transfer process for all overdue amounts.

[0036] The record updating unit 102d updates the collection record data. Here, the record updating unit 102d may update the collection record data based on the overdue debt billing data.

[0037] [3. Specific Examples] A specific example of this embodiment will be described with reference to FIGS.

[0038] [Delinquent Receivables Management Processing] An example of the delinquent loan management process in this embodiment will now be described with reference to Fig. 3. Fig. 3 is a flowchart showing an example of the process of the delinquent loan management apparatus 100 in this embodiment.

[0039] As shown in Figure 3, the billing creation unit 102a extracts schedule records linked to unpaid collection records whose repayment date has passed as of the overdue reference date based on the repayment schedule and collection performance data registered in the receivables management database 106a, and based on the schedule records and the contract data registered in the receivables management database 106a, calculates the product of the principal amount of the total repayment amount, the overdue interest rate, and the number of days overdue as the dividend and the quotient when the number of calendar days is used as the divisor to determine the amount of late damages, thereby creating overdue receivables billing data consisting of overdue records linked to the total amount of late payments including the customer's amount of late damages and the collection status (step SA-1).

[0040] Then, the overdue determination unit 102b determines whether the balance of the customer's transfer source account on the overdue reference date is less than the total amount of overdue payments for the customer, based on the customer billing account data and the overdue debt billing data registered in the debt management database 106a (step SA-2).

[0041] Then, if the overdue determination unit 102b determines that the balance of the customer's transfer source account on the overdue reference date is less than the total amount of overdue payments for that customer (step SA-2: Yes), it transitions the processing to step SA-3.

[0042] Then, the account transfer unit 102c identifies a delinquent record that sets the total amount of overdue payments of the customer that can be applied from the balance of the customer's transfer source account, executes the account transfer process for that delinquent record (step SA-3), and transitions the process to step SA-5.

[0043] On the other hand, if the overdue determination unit 102b determines that the balance of the customer's transfer source account on the overdue reference date is not less than the total amount of overdue payments for that customer (step SA-2: No), it transitions the processing to step SA-4.

[0044] Then, the account transfer unit 102c executes the account transfer process for all the overdue amounts (step SA-4).

[0045] Then, the result updating section 102d updates the collection result data registered in the claim management database 106a based on the overdue claim billing data (step SA-5), and the process ends.

[0046] An example of the delinquent loan management process in this embodiment will now be described with reference to Figures 4 to 6. Figures 4 to 6 are diagrams showing an example of the delinquent loan management process in this embodiment.

[0047] As shown in Figure 4, in this embodiment, when the overdue reference date is entered on the overdue data output screen and the execute button is pressed, <Step 1> when the repayment due date arrives as of the overdue reference date, the unpaid repayment schedule (details in the red box) is extracted, <Step 2> late charges are calculated, and the overdue claim data is updated. Here, in this embodiment, the calculation is made as "number of overdue days = number of days from the repayment due date to the overdue reference date", and "late charges = breakdown of principal × late interest rate × number of overdue days ÷ 365 days".

[0048] As shown in Figure 5, in this embodiment, account transfer processing is performed based on the overdue claims claim data. In this embodiment, account transfer processing is performed for each record of the overdue claims claim data in ascending order of customer number, branch number, and repayment date. In this embodiment, the bank performs collection processing on a record-by-record basis. However, if collection is not possible on a contract basis (customer number-branch number basis), subsequent collection processing is not performed even if there is a balance. As shown in Figure 5, case (1) is a case where transfer is possible even under the conventional system, and all amounts are collected whether by monthly repayment or lump-sum billing. On the other hand, as shown in Figure 5, case (2) is a case where full transfer is not possible under the conventional system, and account transfers are possible up to January 31, 2024 under the system of this embodiment.

[0049] As shown in FIG. 6, in this embodiment, the collection performance data is updated based on the overdue debt billing data.

[0050] [4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of SDGs Goals 8 and 9.

[0051] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0052] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0053] 5. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0054] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0055] Furthermore, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed as desired unless otherwise specified.

[0056] Furthermore, with regard to the delinquent loan management device 100, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0057] For example, all or any part of the processing functions of the delinquent loan management device 100, particularly the processing functions performed by the control unit 102, may be realized by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in this embodiment, and is mechanically read by the delinquent loan management device 100 as needed. That is, a computer program for issuing instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit.

[0058] In addition, this computer program may be stored in an application program server connected to the delinquent loan management device 100 via any network, and it is also possible to download all or part of it as needed.

[0059] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium or configured as a program product. Here, the term "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0060] Furthermore, a "program" is a data processing method written in any language or description method, and does not matter whether it is in the form of source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0061] The various databases stored in the memory unit 106 are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

[0062] The delinquent loan management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The delinquent loan management device 100 may also be realized by installing software (including programs or data, etc.) that causes the device to perform the processing described in this embodiment.

[0063] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Industrial Applicability]

[0064] The present invention is useful in industries such as the financial industry, which allows withdrawals from its own financial institution and is focusing on lending to start-up companies. [Explanation of symbols]

[0065] 100 Delinquent Debt Management Device 102 Control section 102a Claim Preparation Department 102b Delinquency Determination Department 102c Account Transfer Department 102d Performance Update Department 104 Communication interface unit 106 Storage section 106a Debt Management Database 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network

Claims

1. A delinquent loan management device comprising a memory unit and a control unit, The storage unit a credit management storage means for storing customer billing account data that sets the customer's transfer source account, and delinquent credit billing data that is composed of delinquent records that are set in association with the total amount of delinquency and the collection status of the customer; Equipped with The control unit a delinquency determination means for determining whether the balance of the transfer source account of the customer on the delinquency reference date is less than the total amount of the customer's delinquency amount based on the customer billing account data and the delinquent claim billing data; an account transfer means that, when it is determined that the balance of the transfer source account of the customer is less than the total amount of the total amount of overdue payments of the customer, executes an account transfer process for the total amount of overdue payments that can be allocated from the balance; 1. A delinquent loan management device comprising:

2. The overdue record may include: Furthermore, the customer number is linked and set, The account transfer means is The delinquent debt management device of claim 1, characterized in that when it is determined that the balance of the transfer source account of the customer is less than the total amount of the total overdue amount of the customer, the delinquent record that sets the total amount of overdue amount to which the balance can be applied is identified in order of customer number, and the account transfer process is executed for the delinquent record.

3. The overdue record may include: Furthermore, a branch number is set, The account transfer means is A delinquent debt management device as described in claim 2, characterized in that when it is determined that the balance of the transfer source account of the customer is less than the total amount of the total overdue amount of the customer, the delinquent record in which the total amount of overdue amount to which the balance can be applied is set is identified in order of the customer number, and from the delinquent record, the delinquent record in which the total amount of overdue amount to which the balance can be applied is identified in order of the branch number, and the account transfer process is executed for the delinquent record.

4. The overdue record may include: Furthermore, a repayment date is set, The account transfer means is A delinquent debt management device as described in claim 3, characterized in that when it is determined that the balance of the transfer source account of the customer is less than the total amount of the total overdue amounts of the customer, the delinquent records in which the total amount of overdue amounts to which the balance can be applied are identified in order of customer number, from the delinquent records, the delinquent records in which the total amount of overdue amounts to which the balance can be applied are identified in order of branch number, from the delinquent records, the delinquent records in which the total amount of overdue amounts to which the balance can be applied are identified in order of repayment due date, and the account transfer process is executed for the delinquent records.

5. The account transfer means is A delinquent debt management device as described in any one of claims 1 to 4, characterized in that, in accordance with the account transfer process for the total amount of delinquency, the collection status set in the delinquency record linked to the total amount of delinquency is updated to collected.

6. The debt management storage means Furthermore, the system stores collection record data consisting of collection records that are set by linking the customer's deposit date and total deposit amount, The control unit a performance update means for updating the collection performance data based on the overdue debt billing data; 6. The delinquent loan management device according to claim 5, further comprising:

7. The debt management storage means Furthermore, a repayment schedule consisting of a schedule record set in association with the repayment due date and total repayment amount of the customer is stored in association with the collection performance data, The control unit a claim creation means for creating the overdue claim data by extracting the schedule records linked to the collection records of unpaid amounts and for which the repayment due date has passed as of the overdue reference date, based on the repayment schedule and the collection performance data; 7. The delinquent loan management device according to claim 6, further comprising:

8. The debt management storage means Furthermore, the contract data is stored, which is set by linking the loan amount, the loan interest rate, and the late interest rate to the customer, The billing creation means The delinquent debt management device of claim 7, characterized in that, based on the repayment schedule and the collection performance data, the schedule record linked to the unpaid collection record and whose repayment due date has passed as of the delinquency reference date is extracted, and based on the schedule record and the contract data, the quotient obtained by multiplying the principal amount of the total repayment amount by the delinquency interest rate and the number of days of delinquency is used as the dividend and the number of calendar days is used as the divisor is the amount of late damages, thereby creating the delinquent debt claim data consisting of the delinquent records linked to the total delinquency amount including the amount of late damages for the customer and the collection status.

9. The account transfer means is Furthermore, a delinquent debt management device as described in any one of claims 1 to 4, characterized in that if it is determined that the balance of the transfer source account of the customer is not less than the total amount of the customer's overdue amounts, the account transfer process is executed for all of the total amount of overdue amounts.

10. A method for managing delinquent loans to be executed by a delinquent loan management device having a storage unit and a control unit, The storage unit a credit management storage means for storing customer billing account data that sets the customer's transfer source account, and delinquent credit billing data that is composed of delinquent records that are set in association with the total amount of delinquency and the collection status of the customer; Equipped with Executed in the control unit: an overdue determination step for determining whether the balance of the transfer source account of the customer on the overdue reference date is less than the total amount of the overdue amount of the customer based on the customer billing account data and the overdue claim billing data; an account transfer step of executing an account transfer process for the total amount of overdue payments that can be allocated from the balance when it is determined that the balance of the transfer source account of the customer is less than the total amount of overdue payments of the customer; A method for managing delinquent loans, comprising:

11. A delinquent loan management program to be executed by a delinquent loan management device having a storage unit and a control unit, The storage unit a credit management storage means for storing customer billing account data that sets the customer's transfer source account, and delinquent credit billing data that is composed of delinquent records that are set in association with the total amount of delinquency and the collection status of the customer; Equipped with In the control unit, an overdue determination step for determining whether the balance of the transfer source account of the customer on the overdue reference date is less than the total amount of the overdue amount of the customer based on the customer billing account data and the overdue claim billing data; an account transfer step of executing an account transfer process for the total amount of overdue payments that can be allocated from the balance when it is determined that the balance of the transfer source account of the customer is less than the total amount of overdue payments of the customer; A delinquent debt management program to implement the following.

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