Work support device, work support method, and work support program

Abstract

To enable a plurality of persons to quickly and easily perform application examination work in cooperation.SOLUTION: A main item data generation part generates main item data for a main applicant including an item number and a total desired borrowing amount when a plurality of applicants make one borrowing application. A sub-item data generation part generates sub-item data for one or a plurality of sub-applicants with an item number different from the item number of the main item data and a desired borrowing amount of "0 yen" or no input. An identification number adding part adds the same identification number indicating that both are related matter data to the main matter data and the sub-matter data. The borrowing ratio calculation unit calculates a borrowing ratio between a master applicant and a slave applicant. An update processing part updates each desired borrowing amount of the main item data and the sub-item data to a desired borrowing amount corresponding to the borrowing ratio calculated by the borrowing ratio calculation part.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] Patent Document 1 (Japanese Patent No. 6733797) discloses an application reception system that makes it possible to improve the efficiency of inputting information when multiple people apply together for a loan, such as a pair loan.

[0003] In this application reception system, the information reception system receives applications using application information including first information of a target input by a first target person and second information of a target input by a second target person. The information management unit stores the first information received from the first terminal in a storage unit and notifies the second target person of identification information of the application information in which the first information is included. The information management unit also receives the identification information and second information from the second terminal, associates the second information with the first information of the application information identified from the identification information, and stores the second information in the storage unit as application information for a single application. The application reception unit then performs a process to receive applications using the application information. This makes it possible to improve the efficiency of information input when multiple people are making applications together. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent No. 6733797 Summary of the Invention [Problem to be solved by the invention]

[0005] However, applications made jointly by multiple people have the problem that the review process takes more time and effort than an application made by a single person, resulting in a delayed review response.

[0006] 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 application review work conducted jointly by multiple people to be carried out quickly and easily. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, the business support device according to the present invention includes a main project data generation unit that generates, when a single loan application is made by a plurality of applicants, main project data for the main applicant based on input operations by a person in charge, the main project data including the project number and the total desired loan amount; a subordinate project data generation unit that generates subordinate project data for one or more subordinate applicants based on the generated main project data, the subordinate project data having a project number different from the project number in the main project data and with the desired loan amount set to "0 yen" or not entered; and a subproject data generation unit that generates, for the main project data and the subordinate project data, project data related to each other. The system has an identification number adding unit that adds the same identification number indicating that the applicant is a main applicant, a borrowing ratio calculation unit that calculates the borrowing ratio of the main applicant and the subordinate applicant, which is the ratio of the main applicant's desired borrowing amount to the total desired borrowing amount and the subordinate applicant's desired borrowing amount to the total desired borrowing amount, and an update processing unit that updates the total desired borrowing amount in the main case data to the desired borrowing amount corresponding to the main applicant's borrowing ratio calculated by the borrowing ratio calculation unit, and updates a desired borrowing amount of ``0'' yen or not entered in the subordinate case data to the desired borrowing amount corresponding to the borrowing ratio of the subordinate applicant calculated by the borrowing ratio calculation unit.

[0008] Furthermore, in order to solve the above-mentioned problems and achieve the object, the business support method according to the present invention includes a main project data generation step in which, when a single loan application is made by a plurality of applicants, a main project data generation unit generates main project data for a main applicant based on an input operation by a person in charge, the main project data including a project number and a total desired loan amount; a subordinate project data generation step in which, based on the main project data generated in the main project data generation step, a subordinate project data generation step in which the subordinate project data is for one or more subordinate applicants, with a project number different from the project number of the main project data and with the desired loan amount set to "0 yen" or not entered; and an identification number addition unit adds an identification number to both the main project data and the subordinate project data. The method includes an identification number addition step in which the same identification number is added to the data indicating that the data is related to the main applicant; a borrowing ratio calculation step in which a borrowing ratio calculation unit calculates the borrowing ratio of the main applicant and the subordinate applicant, which is the ratio of the main applicant's desired borrowing amount to the total desired borrowing amount and the subordinate applicant's desired borrowing amount to the total desired borrowing amount; and an update processing step in which an update processing unit updates the total desired borrowing amount of the main applicant data to the desired borrowing amount corresponding to the main applicant's borrowing ratio calculated in the borrowing ratio calculation step, and updates a desired borrowing amount of ``0'' yen or not entered in the subordinate applicant data to the desired borrowing amount corresponding to the borrowing ratio of the subordinate applicant calculated in the borrowing ratio calculation step.

[0009] In order to solve the above-mentioned problems and achieve the object, the business support program of the present invention includes a computer, which includes a main project data generation unit that generates, when a single loan application is made by a plurality of applicants, main project data for the main applicant based on input operations by a person in charge, the main project data including the project number and the total desired loan amount; a subordinate project data generation unit that generates subordinate project data for one or more subordinate applicants based on the generated main project data, the subordinate project data having a project number different from the project number of the main project data and with the desired loan amount set to "0 yen" or not entered; and a data processing unit that processes the main project data and the subordinate project data to generate data related to each other. The data processing unit functions as an identification number adding unit that adds the same identification number to indicate that the data is related to a particular project; a borrowing ratio calculation unit that calculates the borrowing ratio of the main applicant and the subordinate applicant, which is the ratio of the main applicant's desired borrowing amount to the total desired borrowing amount and the subordinate applicant's desired borrowing amount to the total desired borrowing amount; and an update processing unit that updates the total desired borrowing amount of the main project data to the desired borrowing amount corresponding to the main applicant's borrowing ratio calculated by the borrowing ratio calculation unit, and updates desired borrowing amounts of "0" yen or not entered in the subordinate project data to the desired borrowing amount corresponding to the borrowing ratio of the subordinate applicant calculated by the borrowing ratio calculation unit. [Effects of the Invention]

[0010] The present invention makes it possible to quickly and easily carry out the examination of an application that is carried out jointly by a plurality of people. [Brief explanation of the drawings]

[0011] [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 illustrating an example of case data stored in the case data storage unit. [Figure 3] FIG. 3 is a diagram showing an example of applicant data stored in the applicant data storage unit. [Figure 4] FIG. 4 is a diagram illustrating an example of property data stored in the property data storage unit. [Figure 5]FIG. 5 is a diagram illustrating an example of fund data stored in the fund data storage unit. [Figure 6] FIG. 6 is a diagram showing an example of the project data of a main applicant who applies for a loan. [Figure 7] FIG. 7 is a diagram showing an example of the project data of a secondary applicant who applies for a loan together with a main applicant. [Figure 8] Figure 8 shows how, when the case data of a subordinate applicant is registered, the case data of the main applicant and the case data of the subordinate applicant are associated with each other by being assigned the same pair loan ID. [Figure 9] FIG. 9 is a diagram showing pair loan summary data and pair loan detailed data that constitute pair loan data. [Figure 10] FIG. 10 is a diagram showing how the borrowing ratio between the main applicant and the subordinate applicant is calculated based on the desired borrowing amounts of each applicant input via the apportionment setting registration screen. [Figure 11] Figure 11 shows how the amount of funds to be used, the total amount raised, and the amount secured for the main applicant and the secondary applicant are calculated based on the calculated borrowing ratio and displayed on the allocation setting registration screen. [Figure 12] FIG. 12 is a diagram showing the apportionment setting registration screen in a state where the postal code and address of the purchased property have been entered. [Figure 13] FIG. 13 is a diagram showing detailed pair loan data to which the borrowing ratio calculated based on the desired borrowing amounts of the main applicant and the secondary applicant has been added. [Figure 14] Figure 14 shows the project data of the main applicant and the project data of the secondary applicant, each with the desired loan amount, funded amount, funded amount, and security amount corresponding to the calculated borrowing ratio. DETAILED DESCRIPTION OF THE INVENTION

[0012] As an example, an embodiment in which the present invention is applied to a business support device that supports loan examination work (loan examination work for a pair loan) when a plurality of people jointly apply for a housing loan will be described in detail below with reference to the drawings. Note that the present invention is not limited to the following embodiment.

[0013] (Hardware configuration) As shown in FIG. 1, the business support device 1 of the embodiment includes a storage 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, or a speaker device. The input device 6 may be a keyboard device, a mouse device, a microphone device, or a monitor device that cooperates with a mouse device to achieve a pointing device function. The communication interface unit 4 is connected to a network, for example, a wide area network such as the Internet or a private network such as a LAN (Local Area Network).

[0014] The storage unit 2 may be, for example, a storage device such as a read only memory (ROM), a random access memory (RAM), a hard disk drive (HDD), or a solid state drive (SSD).

[0015] The storage unit 2 stores a business support program that enables quick and easy application screening work performed jointly by multiple people. The storage unit 2 also includes a case data storage unit 11, an applicant data storage unit 12, a property data storage unit 13, a fund data storage unit 14, and a pair loan table 15, which are storage areas.

[0016] As shown in Fig. 2, the project data storage unit 11 stores project data including the project number of the project for which a loan application has been made, the name of the sales representative, the name of the store that accepted the application, the status of the project's examination, etc. As will be explained using Fig. 6 and Fig. 7, this project data also includes the pair loan flag, pair loan identification number (pair loan ID), desired loan amount, amount used for the funds, total amount raised, amount secured, and address of the property to be purchased.

[0017] The applicant data storage unit 12 stores applicant data including the case number, related party classification, nationality, previous year's annual income (previous year's annual income), and identification document classification, as shown in Figure 3. In the case of a pair loan applicant, the related party classification is, for example, "1" for the main applicant and "2" for one or more subordinate applicants. The identification document classification is the identification document, such as a driver's license or insurance card, presented by the applicant at the time of application. The example in Figure 3 is an example in which a driver's license is presented by the applicant.

[0018] The property data storage unit 13 stores property data including the case number, property number, property address, etc., as shown in FIG.

[0019] The fund data storage unit 14 stores fund data including the case number, product number, and remittance account information to which the loaned money to the applicant will be remitted, as shown in FIG.

[0020] (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 a data generation unit 21, a calculation unit 22, an identification number addition unit 23, an update processing unit 24, a memory control unit 25, and a display control unit 26, as shown in Fig. 1. The data generation unit 21 also functions as a main case data generation unit 27 and a sub-case data generation unit 28. In addition, the calculation unit 22 also functions as a borrowing ratio calculation unit 29.

[0021] When a single loan application is made by multiple applicants (for example, a pair loan application), the main case data generation unit 27 generates main case data for the main applicant based on the input operations of the person in charge, which includes the case number and the total desired loan amount (see case data A in Figure 6).

[0022] Based on the generated main case data, the sub-case data generation unit 28 generates sub-case data for one or more subordinate applicants with a case number different from the case number in the main case data and with the desired loan amount set to "0 yen" or not entered (see case data B in Figure 7).

[0023] The identification number adding unit 23 adds the same identification number (pair loan ID in FIGS. 7 and 8) to the main case data and the sub-case data, which indicates that the two are related case data.

[0024] The borrowing ratio calculation unit 29 calculates the borrowing ratio between the main applicant and the secondary applicant, which is the ratio of the main applicant's desired borrowing amount to the total desired borrowing amount and the secondary applicant's desired borrowing amount to the total desired borrowing amount (see Figure 10).

[0025] The update processing unit 24 updates the total desired loan amount in the main case data to the desired loan amount corresponding to the borrowing ratio of the main applicant calculated by the borrowing ratio calculation unit, and updates the desired loan amount of "0" yen or not entered in the sub-case data to the desired loan amount corresponding to the borrowing ratio of the sub-applicant calculated by the borrowing ratio calculation unit (see Figure 11).

[0026] The main project data generation unit 27 generates main project data including one or more of the project number, the total desired borrowing amount, the fund use amount, the total procurement amount, and the secured amount (see FIG. 6). The subsidiary project data generation unit 28 generates subsidiary project data including one or more of the project number, the desired borrowing amount, the fund use amount, the total procurement amount, and the secured amount (see FIG. 7).

[0027] The update processing unit 24 updates the desired borrowing amount of the main project data to an amount corresponding to the borrowing ratio of the main applicant calculated by the borrowing ratio calculation unit 29, and also updates one or more of the amount used for funds, the total amount raised, and the amount secured (see Figure 14(a)).The update processing unit 24 also updates the desired borrowing amount of the sub-project data to an amount corresponding to the borrowing ratio of the sub-applicant calculated by the borrowing ratio calculation unit 29, and also updates one or more of the amount used for funds, the total amount raised, and the amount secured (see Figure 14(b)).

[0028] The storage control unit 25 associates the case number of the main case data and the case number of the sub-case data with the same identification number (paired loan ID) and stores them in the storage unit (paired loan table 15).

[0029] In addition, the memory control unit 25 stores the borrowing ratio of the main applicant and the borrowing ratio of the secondary applicant calculated by the borrowing ratio calculation unit 29 in the memory unit together with the case number and identification number (pair loan table 15: see Figure 13).

[0030] The display control unit 26 displays on the display unit an apportionment setting registration screen that includes input fields for the desired borrowing amount of the main applicant and the desired borrowing amount of the subordinate applicant (see FIG. 10).

[0031] The borrowing ratio calculation unit 29 calculates the borrowing ratio based on the desired borrowing amount of the main applicant and the desired borrowing amount of the subordinate applicant, both of which are input into the apportionment setting registration screen (see FIG. 10).

[0032] (Pair loan allocation setting registration operation) Next, a description will be given of the operation of registering the allocation setting for a pair loan in the business support device 1 of the embodiment. As an example, the description will be given assuming that two people, a main applicant A and a secondary applicant B, have applied for a loan to purchase a real estate property.

[0033] Furthermore, this case setting and registration operation will be described as being executed by software, with the control unit 3 functioning as the data generation unit 21 (including the main case data generation unit 27 and the sub-case data generation unit 28) to the display control unit 26 based on the business support program. However, any one or all of the data generation unit 21 to the display control unit 26 may be realized by hardware. In either case, the same effects as those described below can be obtained.

[0034] First, the person in charge operates the input device 6 to input the name of the sales person in charge of the case of the main applicant A, the desired loan amount, the use of funds, the total amount to be raised, and the amount of security. As a result, the main case data generation unit 27 generates case data A for the main applicant A, as shown in FIG. 6, and stores it in the case data storage unit 11. In the example of FIG. 6, the case number is automatically assigned by the control unit 3. In this example, the case number is "224-000001." The name of the sales person is "Seller A."

[0035] At this point, the desired loan amount is entered as the full amount for the main applicant A. In this example, the desired loan amount is "50 million yen." The amount to be used for the funds is "40 million yen," the total amount to be raised is "20 million yen," and the amount secured is "10 million yen."

[0036] When project data A for main applicant A is generated in this manner, the subordinate project data generation unit 28 copies project data A to generate project data B for subordinate applicant B, and stores this in the project data storage unit 11. At this time, the subordinate project data generation unit 28 assigns a different project number to project data A, for example, "224-000002," and generates project data B with the desired loan amount, fund use amount, total raised amount, and secured amount of project data B set to "0 yen." As a result, project data B is generated with the project number "224-000002," which is different from the project number of project data A, the sales representative name is "Representative A," and the desired loan amount, fund use amount, total raised amount, and secured amount are each set to "0 yen."

[0037] Next, the identification number addition unit 23 performs an association process between the pair loan flag (pair loan FLG) and pair loan ID of the project data B shown in Figure 7 and the pair loan FLG and pair loan ID of the project data A shown in Figure 8 by assigning the same pair loan FLG and pair loan ID, respectively.

[0038] The paired loan FLG is information indicating whether or not paired project data exists. In the case of a single project for which no paired project data exists, "false" is added, and in the case of a project for which paired project data exists, as in this example, "true" is added.

[0039] The pair loan ID is an example of an identification number, and in this example, a pair loan ID of "1" is assigned to project data A and project data B.

[0040] In this example, the presence or absence of paired project data is determined based on the presence or absence of the paired loan FLG, but the presence or absence of paired project data may also be determined based on the presence or absence of the paired loan ID. In this case, the paired loan FLG can be omitted, simplifying the system.

[0041] Next, the data generation unit 21 generates pair loan data including pair loan summary data exemplified in Figure 9(a) and pair loan detailed data shown in Figure 9(b) based on the project data A and project data B assigned the same pair loan ID. The storage control unit 25 stores the generated pair loan data in the pair loan table 15.

[0042] As shown in Figure 9(b), the pair loan summary data includes a pair loan ID, and the amount of funds used, total amount raised, and amount secured associated with the pair loan ID. Pair loan detail data is generated by associating the case numbers of case data A and case data B with the same pair loan ID. In this example, the pair loan ID is "1," the case number of case data A is "224-000001," and the case number of case data B is "224-000002." Therefore, case data A of applicant A with case number "224-000001" and case data B of applicant B with case number "224-000002" are associated with each other by the pair loan ID of "1" and stored in pair loan table 15.

[0043] Next, the person in charge specifies the desired pair loan ID (in this example, the pair loan ID "1") and operates to display the apportionment setting registration screen. As a result, based on the specified pair loan ID "1", the display control unit 26 refers to the project data A stored in the project data storage unit 11 shown in Figure 8 and recognizes the desired loan amount of "50 million yen" (= the full amount).

[0044] In addition, the display control unit 26 refers to the pair loan summary data (see Figure 9(a)) in the pair loan table 15 based on the specified pair loan ID "1" to recognize the amount of funds used of "40 million yen", the total amount raised of "20 million yen", and the amount secured of "10 million yen" associated with the specified pair loan ID "1".

[0045] In addition, the display control unit 26, based on the specified pair loan ID "1", refers to the pair loan detailed data (see Figure 9(b)) in the pair loan table 15 to recognize the case number "224-000001" and the case number "224-000002" associated with the specified pair loan ID "1".

[0046] Then, the display control unit 26 displays the recognized desired loan amount of "50 million yen," the amount of funds to be used of "40 million yen," the "total amount to be procured" of "20 million yen," and the secured amount of "10 million yen" on the allocation setting registration screen, as illustrated in Figure 10. The display control unit 26 also displays the recognized case number of "224-000001" on the allocation setting registration screen as the case number of the main applicant A (borrower A), and displays the recognized case number of "224-000002" on the allocation setting registration screen as the case number of the subordinate applicant B (borrower B).

[0047] In addition, the display control unit 26 displays an input field for the desired borrowing amount of the main applicant A (borrower A) and an input field for the desired borrowing amount of the subordinate applicant B (borrower B) on the allocation setting registration screen. The person in charge inputs the desired borrowing amounts of the main applicant A (borrower A) and the subordinate applicant B (borrower B), which have been decided in advance through discussions at the time of contract, into the allocation setting registration screen. The example in Figure 10 shows that, of the desired borrowing amount of "50 million yen," "30 million yen" has been input as the desired borrowing amount of applicant A (borrower A), and "20 million yen" has been input as the desired borrowing amount of subordinate applicant B (borrower B).

[0048] The borrowing ratio calculation unit 29 calculates the borrowing ratio corresponding to the desired borrowing amount of applicant A (borrower A) and the borrowing ratio corresponding to the desired borrowing amount of subordinate applicant B (borrower B) by performing the following calculations.

[0049] Borrowing ratio (Borrower A) = Desired loan amount (Borrower A) / Desired loan amount (total) = 30 million yen ÷ 50 million yen = 0.6 = 60% Borrowing ratio (Borrower B) = Desired loan amount (Borrower B) / Desired loan amount (total) = 20 million yen ÷ 50 million yen = 0.4 = 40%

[0050] The display control unit 26 displays the calculated borrowing ratio (60%) of applicant A (borrower A) and the borrowing ratio (40%) of subordinate applicant B (borrower B) on the allocation setting registration screen as shown in Figure 10.

[0051] Next, the calculation unit 22 performs the following calculation based on the calculated borrowing ratio (60%) of applicant A (borrower A) and the borrowing ratio (40%) of subordinate applicant B (borrower B), and calculates the amount of funds to be used, the total amount raised, and the amount secured for applicant A (borrower A) and applicant B (borrower B), respectively.

[0052] Use of funds (Borrower A) = Use of funds (total) × Borrowing ratio (Borrower A) = 40 million yen × 60% = 24 million yen Use of funds (Borrower B) = Use of funds (total) × Borrowing ratio (Borrower B) = 40 million yen × 40% = 16 million yen

[0053] Total amount raised (Borrower A) = Total amount raised (total) × Borrowing ratio (Borrower A) = 20 million yen × 60% = 12 million yen Total amount raised (Borrower B) = Total amount raised (total) × Borrowing ratio (Borrower B) = 20 million yen × 40% = 8 million yen

[0054] Amount secured (Borrower A) = Amount secured (total) × Borrowing ratio (Borrower A) = 10 million yen × 60% = 6 million yen Amount secured (Borrower B) = Amount secured (total) × Borrowing ratio (Borrower B) = 10 million yen × 40% = 4 million yen

[0055] The display control unit 26 displays the fund use amount, total amount procured, and security amount corresponding to the calculated borrowing ratio (60%) of applicant A (borrower A) on the allocation setting registration screen as shown in Figure 11. The display control unit 26 also displays the fund use amount, total amount procured, and security amount corresponding to the calculated borrowing ratio (40%) of the subordinate applicant B (borrower B) on the allocation setting registration screen as shown in Figure 11.

[0056] Next, the person in charge enters the postal code of the property to be purchased, such as "100-0001," in the entry field for the postal code of the property to be purchased provided on the apportionment setting registration screen as shown in Fig. 12. The person in charge also enters the address of the property to be purchased, such as "XXXX, Kyobashi, Chuo-ku, Tokyo," in the entry field for the address of the property to be purchased provided on the apportionment setting registration screen as shown in Fig. 12. Then, in this state, the person in charge operates the registration button provided on the apportionment setting registration screen.

[0057] When the registration button is operated, the update processing unit 24 refers to the pair loan table 15 based on the case number "224-000001" of applicant A (borrower A) and the case number "224-000002" of applicant B (borrower B).

[0058] Then, as shown in Figure 13(b), the update processing unit 24 adds the calculated loan ratio of "60%" to the project number "224-000001" of applicant A (borrower A) in the pair loan detailed data. The update processing unit 24 also adds the calculated loan ratio of "40%" to the project number "224-000002" of applicant B (borrower B) in the pair loan detailed data. In this case, there is no update to the pair loan summary data in Figure 13(a).

[0059] Furthermore, the update processing unit 24 references the project data storage unit 11 based on the project number of applicant A (borrower A) of "224-000001" and the project number of applicant B (borrower B) of "224-000002."The update processing unit 24 then adds, to the project data A of applicant A (borrower A) with the project number of "224-000001," the desired loan amount of "30 million yen," the amount used for funds of "24 million yen," the total amount raised of "12 million yen," the amount secured of "6 million yen," and the location (address of the purchased property) of the purchased property of "XXXX, Kyobashi, Chuo-ku, Tokyo," which correspond to the calculated borrowing ratio of "60%."

[0060] Similarly, the update processing unit 24 adds to the project data A of applicant B (borrower B) with the project number "224-000002" the desired loan amount of "20 million yen", which corresponds to the calculated borrowing ratio of "40%," the amount to be used of funds of "16 million yen", the total amount to be raised of "8 million yen", the amount secured of "4 million yen", and the location (address of the purchased property) of the purchased property of "XXXX, Kyobashi, Chuo-ku, Tokyo".

[0061] As a result, project data A and project data B for each of the pair loan applicant A (borrower A) and applicant B (borrower B) are automatically generated (see Figures 14(a) and 14(b)), which are used for loan screening.

[0062] (Effects of the embodiment) As is clear from the above explanation, the business support device 1 of the embodiment calculates a borrowing ratio for each applicant of a pair loan from the ratio of the desired borrowing amounts in the screening of a home loan loan, and allocates the amount of funds used, the amount of funds raised, and the amount of security for the project to each applicant based on the calculated borrowing ratio.In addition, an input field for purchase property information common to all applicants of a pair loan is prepared, and information is registered for each applicant in a lump sum.

[0063] This automatic allocation processing function and bulk case registration screen can improve the accuracy of the review and the efficiency of the review work, making it possible to quickly and easily carry out the review work of applications carried out jointly by multiple people.

[0064] [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.

[0065] 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.

[0066] Furthermore, the present invention can contribute to strengthening control and governance, thereby contributing to the achievement of Goal 16 of the SDGs.

[0067] [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.

[0068] 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.

[0069] 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.

[0070] 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.

[0071] 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.

[0072] 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.

[0073] 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.

[0074] 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.

[0075] 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.

[0076] 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.

[0077] 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.

[0078] 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.

[0079] 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.

[0080] 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]

[0081] The present invention is suitable for application to processing applications made jointly by multiple people, such as in the financial or real estate industry. [Explanation of symbols]

[0082] 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. Case data storage unit 12 Applicant data storage unit 13 Property data storage unit 14 Fund Data Storage Unit 15 Pair Lawn Table 21 Data Generation Unit 22 Calculation section 23 Identification number addition section 24 Update processing section 25 Memory control unit 26 Display control unit 27 Main Project Data Generation Unit 28 Sub-project data generation unit 29 Borrowing Ratio Calculation Department

Claims

1. a main case data generation unit that, when a single loan application is made by multiple applicants, generates main case data for the main applicant based on input operations by a person in charge, the main case data including a case number and a total desired loan amount; a subordinate case data generation unit that generates subordinate case data for one or more subordinate applicants based on the generated main case data, with a case number different from the case number of the main case data and with a desired loan amount set to "0 yen" or not entered; an identification number adding unit that adds the same identification number to the main case data and the sub-case data, indicating that the main case data and the sub-case data are related case data; a borrowing ratio calculation unit that calculates a borrowing ratio between the main applicant and the subordinate applicant, which is the ratio of the main applicant's desired borrowing amount to the total desired borrowing amount and the subordinate applicant's desired borrowing amount to the total desired borrowing amount; an update processing unit that updates the total desired borrowing amount of the main case data to the desired borrowing amount corresponding to the borrowing ratio of the main applicant calculated by the borrowing ratio calculation unit, and updates the desired borrowing amount of "0" yen or not entered in the subsidiary case data to the desired borrowing amount corresponding to the borrowing ratio of the subsidiary applicant calculated by the borrowing ratio calculation unit; A business support device having the above.

2. the main case data generation unit generates the main case data including, together with the case number and the total desired borrowing amount, one or more of a fund use amount, a total procurement amount, and a security amount; the sub-project data generation unit generates the sub-project data including, together with the project number and the desired borrowing amount, any one or more of a fund use amount, a total procurement amount, and a security amount; the update processing unit updates the desired borrowing amount of the main project data to an amount corresponding to the borrowing ratio of the main applicant calculated by the borrowing ratio calculation unit, and also updates one or more of the amount used for funds, the total amount raised, and the amount secured, and updates the desired borrowing amount of the sub-project data to an amount corresponding to the borrowing ratio of the subordinate applicant calculated by the borrowing ratio calculation unit, and also updates one or more of the amount used for funds, the total amount raised, and the amount secured; 2. The business support device according to claim 1, wherein:

3. a storage control unit that stores the case number of the main case data and the case number of the sub-case data in a storage unit in association with each other using the same identification number; 3. The business support device according to claim 2, wherein:

4. the storage control unit stores the borrowing ratio of the primary applicant and the borrowing ratio of the secondary applicant calculated by the borrowing ratio calculation unit in a storage unit together with the case number and the identification number; 4. The business support device according to claim 3, wherein:

5. A display control unit is further provided which displays on a display unit an apportionment setting registration screen having input fields for the main applicant's desired borrowing amount and the subordinate applicant's desired borrowing amount, the borrowing ratio calculation unit calculates the borrowing ratio based on the desired borrowing amount of the primary applicant and the desired borrowing amount of the secondary applicant, both of which are input into the apportionment setting registration screen; 5. The business support device according to claim 1, wherein:

6. a main case data generation step in which, when a single loan application is made by multiple applicants, a main case data generation unit generates main case data for the main applicant based on input operations by a person in charge, the main case data including a case number and a total desired loan amount; a subordinate-project data generation step in which a subordinate-project data generation unit generates subordinate-project data for one or more subordinate applicants, based on the main-project data generated in the main-project data generation step, with a project number different from the project number of the main project data and with a desired loan amount set to "0 yen" or not entered; an identification number adding step in which an identification number adding unit adds the same identification number to the main case data and the sub-case data, indicating that both are related case data; a borrowing ratio calculation step in which a borrowing ratio calculation unit calculates a borrowing ratio between the main applicant and the subordinate applicant, which is the ratio of the main applicant's desired borrowing amount to the total desired borrowing amount and the subordinate applicant's desired borrowing amount to the total desired borrowing amount; an update processing step in which an update processing unit updates the total desired borrowing amount of the main case data to the desired borrowing amount corresponding to the borrowing ratio of the main applicant calculated in the borrowing ratio calculation step, and updates the desired borrowing amount of "0" yen or not entered in the subsidiary case data to the desired borrowing amount corresponding to the borrowing ratio of the subsidiary applicant calculated in the borrowing ratio calculation step; A business support method having the above.

7. Computer, a main case data generation unit that, when a single loan application is made by multiple applicants, generates main case data for the main applicant based on input operations by a person in charge, the main case data including a case number and a total desired loan amount; a subordinate case data generation unit that generates subordinate case data for one or more subordinate applicants based on the generated main case data, with a case number different from the case number of the main case data and with a desired loan amount set to "0 yen" or not entered; an identification number adding unit that adds the same identification number to the main case data and the sub-case data, indicating that the main case data and the sub-case data are related case data; a borrowing ratio calculation unit that calculates a borrowing ratio between the main applicant and the subordinate applicant, which is the ratio of the main applicant's desired borrowing amount to the total desired borrowing amount and the subordinate applicant's desired borrowing amount to the total desired borrowing amount; an update processing unit that updates the total desired borrowing amount of the main case data to a desired borrowing amount corresponding to the borrowing ratio of the main applicant calculated by the borrowing ratio calculation unit, and updates the desired borrowing amount of "0" yen or not inputted in the subsidiary case data to a desired borrowing amount corresponding to the borrowing ratio of the subsidiary applicant calculated by the borrowing ratio calculation unit; A business support program that functions as a

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