Automatic redeployment apparatus, automatic redeployment method, and automatic redeployment program

Abstract

To provide an automatic redevelopment device or the like for realizing automatic processing from business check to redevelopment of a repayment schedule.SOLUTION: In this embodiment, (1) the automatic redeployment apparatus fetches the account settlement request association file from the member store by daily nighttime automatic execution. (2) The automatic redeployment device performs error determination on the captured data in the capturing process. In this case, the automatic redeployment apparatus sets an error condition for each error category, and determines the error categories 01 to 04. (3) If there is an error, the automatic redeployment device sets a flag in the fetched data (sets a flag in the error section). (4) On the contrary, if there is no error, the automatic redeployment device redeploys the repayment schedule to the object claim data.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an automatic redeployment device, an automatic redeployment method, and an automatic redeployment program. [Background technology]

[0002] Patent Document 1 describes a technique for efficiently changing various set conditions for a loan. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2010-160627 Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional business, when a customer purchases a product under an installment contract, the institution that manages credit information related to credit and loan usage for that customer conducts an examination. During the examination, a repayment schedule is developed based on information such as the number of repayments and interest rate based on the application information for the installment contract, and the examination results are returned. At this time, the developed repayment schedule is saved in the company's database (DB).

[0005] Here, after receiving the screening results, it can take time to actually reach a contract, and in some cases the repayment period may change from the repayment schedule assumed at the time of the response. In such cases, the repayment schedule must be manually re-expanded from the original repayment schedule each time. For example, since it takes time from screening to signing a contract and specifications often change during that time, changes to the repayment schedule in a customer's installment contract occur frequently, and manual re-expansion becomes a burden. When installment sales products take time to conclude a contract, such as automobiles, deviations from the original repayment schedule frequently occur, making this task particularly burdensome for automobile loans.

[0006] In addition, the settlement request process is an important task that determines whether advance payments are possible upon the completion of the installment contract with the customer. Therefore, in the past, it was necessary to manually check whether the settlement conditions were met, such as by checking the registered direct debit account and confirming whether the contract details met the conditions for conditional approval, before redeploying the repayment schedule.

[0007] The present invention has been made in consideration of the above-mentioned problems, and aims to provide an automatic redeployment device, an automatic redeployment method, and an automatic redeployment program that can automatically process everything from business checks to redeployment of repayment schedules. [Means for solving the problem]

[0008] In order to solve the above-mentioned problems and achieve the objectives, the automatic redeployment device of the present invention is characterized by comprising a data table creation unit that creates data records in settlement request linked data based on a settlement request linked file from an affiliated store, a business error check processing unit that performs business error checks on the data records of the created settlement request linked data based on business error check data, and a redeployment processing unit that automatically redeploys the planned repayment period to the planned repayment data at the time of application if the result of the business error check shows that there are no errors.

[0009] In the automatic redeployment device according to the present invention, the transaction error check processing unit may update the data record of the settlement request linkage data based on the result of the transaction error check.

[0010] In addition, in the automatic redeployment device of the present invention, the business error check processing unit may link the contract number of the settlement request linked data with the contract number of the loan data at the time of application, obtain the customer number of the loan data at the time of application, link the customer number of the loan data at the time of application with the customer number of the application progress data, obtain the approval category of the application progress data, and if the value of the approval category of the application progress data corresponds to a predetermined value, determine that the first error conditions specified in the business error check data are met and that a first error has occurred.

[0011] In addition, in the automatic redeployment device of the present invention, the business error check processing unit may link the contract number of the settlement request linked data with the contract number of the web-linked product data, obtain the web-linked information owner of the web-linked product data, link the contract number of the web-linked product data with the contract number of the loan data at the time of application, obtain the customer number and branch number of the loan data at the time of application, link the customer number and branch number of the loan data at the time of application with the customer number and branch number of the account data at the time of application, obtain the merchant code of the account data at the time of application, link the merchant code of the account data at the time of application with the merchant code in the merchant master, obtain the merchant name in the merchant master, and if the web-linked information owner of the web-linked product data and the merchant name in the merchant master do not match, it may determine that a second error has occurred, as this satisfies condition 1 of the second error specified in the business error check data.

[0012] In addition, in the automatic redeployment device of the present invention, the business error check processing unit links the contract number of the settlement request linked data with the contract number of the web-linked product data, acquires the web-linked information_user name of the web-linked product data, links the contract number of the web-linked product data with the contract number of the loan data at the time of application, acquires the customer number of the loan data at the time of application, links the customer number of the loan data at the time of application with the customer number of the customer information data, acquires the name in kanji of the customer information data, and if the user name of the web-linked product data and the name in kanji of the customer information data do not match, may determine that a second error has occurred, as this satisfies condition 2 of the second error specified in the business error check data.

[0013] In addition, in the automatic redeployment device of the present invention, the business error check processing unit may link the contract number of the settlement request linked data with the contract number of the web-linked product data, acquire the web-linked information_user address of the web-linked product data, link the contract number of the web-linked product data with the contract number of the loan data at the time of application, acquire the customer number of the loan data at the time of application, link the customer number of the loan data at the time of application with the customer number of the customer information data, acquire the address kanji of the customer information data, and if the user address of the web-linked product data and the address kanji of the customer information data do not match, it may determine that a second error has occurred, as this satisfies condition 3 of the second error specified in the business error check data.

[0014] In addition, in the automatic redeployment device of the present invention, the business error check processing unit links the contract number of the settlement request linked data with the contract number of the web-linked product data, acquires the web-linked information_home address of the web-linked product data, links the contract number of the web-linked product data with the contract number of the loan data at the time of application, acquires the customer number of the loan data at the time of application, links the customer number of the loan data at the time of application with the customer number of the customer information data, acquires the address kanji of the customer information data, and if the home address of the user of the web-linked product data does not match the address kanji of the customer information data, it may determine that a second error has occurred, as this satisfies condition 4 of the second error specified in the business error check data.

[0015] In addition, in the automatic redeployment device of the present invention, the business error check processing unit may link the contract number of the settlement request linked data with the contract number of the web-linked product data, acquire product features (such as color) of the web-linked product data, link the contract number of the web-linked product data with the contract number of the loan data at the time of application, acquire the customer number and branch number of the loan data at the time of application, link the customer number and branch number of the loan data at the time of application with the customer number and branch number of the product information data, acquire the product features of the product information data, and if the product features of the most recent web application information do not match the product features of the product information data, it may determine that a third error has occurred, as this meets the third error conditions specified in the business error check data.

[0016] In addition, in the automatic redeployment device of the present invention, the business error check processing unit may refer to the billing status data, obtain the billing deposit account classification of the billing status data or the date on which the withdrawal request form was sent of the billing status data, refer to the web account transfer acceptance matching data, obtain the web account registration date of the web account transfer acceptance matching data, and if the billing deposit account of the billing status data is not registered, or if both the date on which the withdrawal request form was sent of the billing status data and the web account registration date of the web account transfer acceptance matching data are not registered, it may determine that the fourth error conditions specified in the business error check data are met and that a fourth error has occurred.

[0017] In addition, the automatic redeployment method of the present invention is characterized by including a data table creation step in which a data table creation unit creates data records in the settlement request linked data based on a settlement request linked file from an affiliated store; a business error check processing step in which a business error check processing unit performs a business error check on the data records of the created settlement request linked data based on business error check data; and a redeployment processing step in which, if no errors are found as a result of the business error check, the redeployment processing unit automatically redeploys the scheduled repayment period into the scheduled repayment data at the time of application.

[0018] In addition, the automatic redeployment program of the present invention is intended to cause an information processing device to function as a data table creation means that creates data records in settlement request linked data based on a settlement request linked file from an affiliated store, a business error check processing means that performs business error checks on the data records of the created settlement request linked data based on business error check data, and a redeployment processing means that automatically redeploys the scheduled repayment period to the scheduled repayment data at the time of application if the result of the business error check shows that there are no errors. [Effects of the Invention]

[0019] According to the present invention, by realizing automatic processing from business checks to redeployment of repayment schedules, it is possible to achieve the effects of reducing costs in terms of time and labor and preventing errors. [Brief explanation of the drawings]

[0020] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of an automatic redeployment device. [Figure 2] FIG. 2 is a diagram showing an example of the settlement request linkage file, the settlement request linkage data, the business error check data, and the repayment schedule data at the time of application. [Figure 3] FIG. 3 is a diagram illustrating an example of the reference data. [Figure 4] FIG. 4 is a diagram showing an example of the flow of information processing from the import of the settlement request link file to the automatic redeployment of the repayment schedule. [Figure 5] FIG. 5 is a diagram showing an outline of the data flow in the case of error category 01. [Figure 6] FIG. 6 is a diagram showing an outline of the data flow in the case of condition 1 of error category 02. [Figure 7] FIG. 7 is a diagram showing an outline of the data flow in the case of condition 2 of error category 02. [Figure 8] FIG. 8 is a diagram showing an outline of the data flow in the case of condition 3 of error category 02. [Figure 9] FIG. 9 is a diagram showing an outline of the data flow in the case of condition 4 of error category 02. [Figure 10] FIG. 10 is a diagram showing an outline of the data flow in the case of error category 03. [Figure 11] FIG. 11 is a diagram showing an outline of the data flow in the case of error category 04. [Figure 12] FIG. 12 is a diagram showing an example of repayment schedule data at the time of application before and after redeployment of the repayment schedule. DETAILED DESCRIPTION OF THE INVENTION

[0021] Hereinafter, embodiments of an automatic redeployment device, an automatic redeployment method, and an automatic redeployment program according to the present invention will be described in detail with reference to the drawings. However, the present invention is not limited to these embodiments.

[0022] [1. Configuration] An example of the configuration of the automatic redeployment device 100 according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a block diagram showing an example of the configuration of the automatic redeployment device 100.

[0023] The automatic redeployment device 100 is constructed based on a commercially available desktop personal computer. Note that the automatic redeployment device 100 is not limited to being constructed based on a stationary information processing device such as a desktop personal computer, but may also be constructed based on a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0024] The automatic redeployment 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 automatic redeployment device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0025] The communication interface unit 104 communicably connects the automatic redeployment device 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 automatic redeployment device 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). Note that the data stored in the memory unit 106 may also be stored in the server 200, for example.

[0026] An input device 112 and an output device 114 (corresponding to the output unit of the present invention) are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that functions as a pointing device in cooperation with a mouse. In the following, the output device 114 may be referred to as the monitor 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0027] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs that work in conjunction with an OS (Operating System) to issue commands to a CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. The storage unit 106 can be, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc.

[0028] The memory unit 106 stores settlement request linked data 106a, business error check data 106b, reference data 106c, scheduled repayment data at application 106d, etc. Below, with reference to Figures 2 and 3, the information stored in the settlement request linked data 106a, business error check data 106b, reference data 106c, and scheduled repayment data at application 106d will be described. Figure 2 is a diagram showing an example of the settlement request linked file, settlement request linked data, business error check data, and scheduled repayment data at application. Figure 3 is a diagram showing an example of the reference data.

[0029] In this embodiment, a data record of the settlement request linkage data 106a is created based on the settlement request linkage file F read by the automatic redeployment device 100. FIG. 2 shows an example of the contents of the settlement request linkage file F. The settlement request linkage file F stores information such as the contract number, contract signing date, final processing date, and settlement request date. The contract number indicates identification information (contract number) that indicates the contract. The contract signing date indicates the date on which the contract was signed. The final processing date indicates the processing finalization date in the linked system (such as the front system of the affiliated store). The settlement request date indicates the date on which the linked system made a settlement request to the automatic redeployment device 100.

[0030] FIG. 2 also shows an example of information stored in a data record of the settlement request linked data 106a. The data record of the settlement request linked data 106a stores information such as the processing date and time, contract number, contract signing date, final processing date, settlement request date, receipt date, customer number, sub-number, error category 01, error category 02, error category 03, and error category 04. The processing date and time indicates the date and time when the data record was created or updated. The contract number, contract signing date, final processing date, and settlement request date are as described above. The customer number indicates identification information (customer number) indicating a customer of the affiliated store. The customer number may be an ID-linked account, etc. The sub-number indicates a sub-number assigned when further subdividing the contract or the customer. Error categories 01 to 04 will be described later. Note that error categories 01 to 04 are merely examples. In practice, the number of error categories can be set arbitrarily.

[0031] 2 also shows an example of information stored in the business error check data 106b. The business error check data 106b stores information such as error category, category name, and conditions. The error categories include error category 01 to error category 04. The category name of error category 01 is "Settlement conditions exist," and the condition is "Application progress.Payment category = any of 3, 4, 5 (conditional settlement)." The category name of error category 02 is "Contract information discrepancy," and the condition is "Any of the following conditions is met." The conditions are as follows: "1. Web linked information. Owner ≠ Application information. Affiliated store name or "XX Co., Ltd." (*determined by cutting out spaces)", "2. Web linked information. User name ≠ Debtor's own customer information. Name in Kanji (*determined by cutting out spaces)", "3. Web linked information. User's address ≠ Debtor's own customer information. Address in Kanji (*determined by the first two parcel numbers)", and "4. Web linked information. User's main address ≠ Debtor's own customer information. Address in Kanji (*determined by the first two parcel numbers)". The category name of error category 03 is "Difference in product attributes", and the condition is "Most recent web application information. Color ≠ Application information. Color". The category name of error category 04 is "No account registered", and the condition is "The billing deposit account in the billing status is not registered or (both the date the debit request form was sent and the date the web account was registered are not registered)". In the data record of the settlement request linked data 106a, "1" is entered in the error category corresponding to each error condition.

[0032] 3 shows an example of data included in (corresponding to) the reference data 106c. The reference data 106c includes loan data at the time of application 106c1, application progress data 106c2, account data at the time of application 106c3, web-linked vehicle data 106c4, affiliated store master 106c5, customer information data 106c6, vehicle information data 106c7, billing status data 106c8, and web direct debit acceptance match data 106c9.

[0033] The loan application data 106c1 stores information such as the customer number, branch number, contract number, etc. The customer number, branch number, and contract number are as described above.

[0034] The application progress data 106c2 stores information such as the customer number, sub-number, and payment category. The customer number and sub-number are as described above. The payment category takes a value from 0 to 5. Of these, 3, 4, and 5 correspond to conditional payments.

[0035] The account data at the time of application 106c3 stores information such as the customer number, branch number, and affiliated store code. The customer number and branch number are as described above. The affiliated store code indicates an industry code or the like used by credit card companies and the like to classify the business activities of affiliated stores by the products and services they handle.

[0036] Web-linked vehicle data 106c4 is linkable vehicle data that exists on the web (such as server 200 on network 300). Web-linked vehicle data 106c4 includes web-linked vehicle data 106c4_1, web-linked vehicle data 106c4_2, web-linked vehicle data 106c4_3, web-linked vehicle data 106c4_4, web-linked vehicle data 106c4_5, etc. Web-linked vehicle data 106c4_1 stores information such as contract number, web-linked information, owner, etc. Web-linked vehicle data 106c4_2 stores information such as contract number, web-linked information, user name, etc. Web-linked vehicle data 106c4_3 stores information such as contract number, web-linked information, user address, etc. Web-linked vehicle data 106c4_4 stores information such as contract number, web-linked information, home address, etc. Web-linked vehicle data 106c4_5 stores information such as contract number, color, etc. The contract number is as described above. The WEB linked information_owner is information obtained by linking with other servers 200, etc. on the web, and indicates the owner of the vehicle related to the contract. The WEB linked information_user name is information obtained by linking with other servers 200, etc. on the web, and indicates the user of the vehicle related to the contract. The WEB linked information_user address is information obtained by linking with other servers 200, etc. on the web, and indicates the address of the user of the vehicle related to the contract. The WEB linked information_home address is information obtained by linking with other servers 200, etc. on the web, and indicates the home address of the owner of the vehicle related to the contract. The color indicates the color of the vehicle related to the contract. Note that the WEB linked vehicle data 106c4_1, WEB linked vehicle data 106c4_2, WEB linked vehicle data 106c4_3, WEB linked vehicle data 106c4_4, and WEB linked vehicle data 106c4_5 may be associated using the contract number as a key, or may be a single data record.

[0037] The affiliated store master 106c5 stores information such as the affiliated store code and the affiliated store name. The affiliated store code is as described above. The affiliated store name is the name of the affiliated store corresponding to the affiliated store code.

[0038] Customer information data 106c6 includes customer information data 106c6_1, customer information data 106c6_2, etc. Customer information data 106c6_1 stores information such as customer number and name in kanji. Customer information data 106c6_2 stores information such as customer number and address in kanji. Customer number is as described above. Name in kanji is the kanji notation of the name of the customer indicated by the customer number. Address in kanji is the kanji notation of the address of the customer indicated by the customer number. Customer information data 106c6_1 and customer information data 106c6_2 may be associated using the customer number as a key, or may be a single data record.

[0039] The vehicle information data 106c7 stores information such as the customer number, sub-number, and color. The customer number and sub-number are as described above. The color indicates the color of the vehicle purchased by the customer and for which a contract such as a car loan has been signed.

[0040] The billing status data 106c8 stores information such as the customer number, branch number, billing deposit account classification, and withdrawal request delivery date. The customer number and branch number are as described above. The billing deposit account classification indicates the classification of the billing deposit account. The withdrawal request delivery date indicates the date the withdrawal request was delivered.

[0041] The web account transfer acceptance match data 106c9 stores information such as the execution date, customer number, branch number, and web account registration date. The execution date indicates the date on which the customer executed the web account registration (the date on which the web account registration was accepted). The customer number and branch number are as described above. The web account registration date indicates the date on which the web account was actually (officially) registered.

[0042] Returning to Figure 2, an example of information stored in the application repayment schedule data 106d is shown. The application repayment schedule data 106d stores information such as the customer number, branch number, repayment year and month, monthly repayment amount, bonus increase, contract date, and number of repayments. The customer number and branch number are as described above. The repayment year and month indicate the year (Gregorian calendar) and month in which repayment is (scheduled) within the repayment period. The monthly repayment amount indicates the monthly repayment amount. The bonus increase indicates a fixed amount that is repaid in addition to the monthly repayment amount, for example, twice a year in bonus months. The contract date indicates the date determined by the contract each month as the day on which repayment is made. The customer repays the contractually determined amount (repayment amount) on the contractually determined date each month (contract date). The number of repayments indicates the number of times the loan is repaid. Since repayments are usually made once a month, the number of repayments is the same as the number of months in the loan. For example, a one-year loan has 12 months, so the number of repayment months is 12.

[0043] 1, the control unit 102 is a CPU or the like that performs overall control of the automatic redeployment 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 operations based on these stored programs.

[0044] The control unit 102 conceptually includes a file reading unit 102a, a data table creating unit 102b, a business error check processing unit 102c, a redeployment processing unit 102d, and the like.

[0045] The file reading unit 102a performs processing to import the settlement request linking file F provided by the affiliated store to the automatic redeployment device 100, which is an information processing device of a credit card company, financial institution, etc. For example, the file reading unit 102a performs processing to import the settlement request linking file F received from the affiliated store's server 200 via the communication interface unit 104 and the network 300.

[0046] The data table creating unit 102b creates a data record in the settlement request linked data 106a based on the settlement request linked file F taken in by the file reading unit 102a, and stores (keeps) it in the storage unit 106.

[0047] The business error check processing unit 102c performs a business error check on the data records of the settlement request linked data 106a stored in the memory unit 106 based on the business error check data 106b, and updates the data records of the settlement request linked data 106a based on the results of the business error check. The business error check processing unit 102c may recognize the contents of the business error check defined in the program to be executed as the business error check data 106b, or may access and use the business error check data 106b stored separately in the server 200 on the network 300, etc. The business error check processing unit 102c also confirms the presence or absence of errors as a result of the business error check.

[0048] If the result of the business error check indicates that there are no errors, the redeployment processing unit 102d reads out the application repayment schedule data 106d stored in the storage unit 106 and redeploys the scheduled repayment period.

[0049] [2. Specific examples of processing] Hereinafter, the information processing from the import of the settlement request linked file to the automatic redeployment of the repayment schedule according to the present invention will be described with reference to FIGS. 4 to 12 using a specific example.

[0050] FIG. 4 is a diagram showing an example of the flow of information processing from the import of the settlement request link file to the automatic redeployment of the repayment schedule.

[0051] The file reading unit 102a performs a process of importing the settlement request linked file F from the affiliated store (step S101).

[0052] The data table creation unit 102b creates a data record in the settlement request linked data 106a based on the settlement request linked file F imported by the file reading unit 102a (step S102). That is, when the import process of the settlement request linked file F is performed, a record is created in the settlement request linked data 106a.

[0053] The business error check processing unit 102c performs a business error check on the data record of the created settlement request linked data 106a based on the business error check data 106b, and updates the data record of the settlement request linked data 106a based on the results of the business error check (step S103). The business error check processing unit 102c confirms and / or compares the settlement request linked data 106a and the reference data 106c based on the business error check data 106b, and checks whether the conditions of error category 01 to error category 04 are met. The business error check processing unit 102c updates the data record of the settlement request linked data 106a by entering "1" in the error category that meets each error condition.

[0054] The business error check processing unit 102c checks whether or not an error has occurred as a result of the business error check (step S104). In this embodiment, the business error check processing unit 102c determines that an error has occurred if any (at least one) of error categories 01 to 04 contains "1". If an error has occurred (step S104; Yes), the business error check processing unit 102c does nothing and ends the process as is. In other words, the redeployment processing unit 102d does not redeploy the scheduled repayment period.

[0055] If there is no error (step S104; No), the re-expansion processing unit 102d reads the application repayment schedule data 106d and re-expands the repayment schedule period (step S105), after which the process ends.

[0056] In this embodiment, the file reading unit 102a, the data table creating unit 102b, the business error check processing unit 102c, and the redeployment processing unit 102d automatically perform the above processes without human intervention.

[0057] [2-1. Data flow for error category 01] The data flow for error category 01 will be explained with reference to Figure 5. Figure 5 is a diagram showing an overview of the data flow for error category 01. Note that hereafter, the value of each data will be explained using the format "data name.data item." For example, "loan data at time of application.contract No." indicates the value of the contract No. of loan data at time of application 106c1.

[0058] 5, the business error check processing unit 102c refers to the settlement request linked data 106a and the loan data at the time of application 106c1, links the "settlement request linked data.Contract No." to the "loan data at the time of application.Contract No." that has a matching value, and acquires the "loan data at the time of application.Customer No." (5A). Then, the business error check processing unit 102c refers to the loan data at the time of application 106c1 and the application progress data 106c2, links the acquired "loan data at the time of application.Customer No." to the "application progress data.Customer No." that has a matching value, and acquires the "application progress data.Approval category" (5B).

[0059] In the example of Figure 5, the "application progress data.approval category" is "3", which satisfies the condition of error category 01 "application progress.settlement category = any of 3, 4, or 5 (conditional approval)", so the business error check processing unit 102c enters "1" into "error category 01" of the data record of the settlement request linked data 106a and updates the data record.

[0060] [2-2. Data flow for error category 02] [2-2-1. Data flow for condition 1 of error category 02] The data flow in the case of condition 1 in error category 02 will be described with reference to Fig. 6. Fig. 6 is a diagram showing an outline of the data flow in the case of condition 1 in error category 02.

[0061] 6, the business error check processing unit 102c refers to the settlement request linked data 106a and the web-linked vehicle data 106c4_1, links the "settlement request linked data.contract No." to the "web-linked vehicle data.contract No." that has a matching value, and acquires "web-linked vehicle data.web link information_owner" (6A). Next, the business error check processing unit 102c refers to the web-linked vehicle data 106c4_1 and the loan data at the time of application 106c1, links the "web-linked vehicle data.contract No." to the "loan data at the time of application.contract No." that has a matching value, and acquires "loan data at the time of application.customer No." & "loan data at the time of application.branch number" (6B). Next, the business error check processing unit 102c refers to the loan data at application 106c1 and the account data at application 106c3, and links "loan data at application.Customer No." & "loan data at application.Branch No." with the "account data at application.Customer No." & "account data at application.Branch No." that have matching values, and obtains "account data at application.Affiliated store code" (6C). Finally, the business error check processing unit 102c refers to the account data at application 106c3 and the affiliated store master 106c5, and links "account data at application.Affiliated store code" with the "affiliated store master.Affiliated store code" that has a matching value, and obtains "affiliated store master.Affiliated store name" (6D).

[0062] In the example of Figure 6, "WEB linked vehicle data.Owner" is "◇◇◇ Co., Ltd.", and "Affiliated store master.Affiliated store name or "○○ Co., Ltd. (customer company name)"" is "◇◇◇ Co., Ltd.", so they do not match. Therefore, condition 1 of error category 02, "WEB linked vehicle data.Owner ≠ Affiliated store master.Affiliated store name or "○○ Co., Ltd. (customer company name)", is met, so the business error check processing unit 102c enters "1" in "Error category 02" of the data record of the settlement request linked data 106a and updates the data record.

[0063] [2-2-2. Data flow for error category 02, condition 2] The data flow for condition 2 of error category 02 will be described with reference to Fig. 7. Fig. 7 is a diagram showing an outline of the data flow for condition 2 of error category 02.

[0064] As shown in FIG. 7, the business error check processing unit 102c references the settlement request linked data 106a and the web-linked vehicle data 106c4_2, links the "settlement request linked data.Contract No." to the "web-linked vehicle data.Contract No." that matches the value, and acquires "web-linked vehicle data.Web-linked information_user name" (7A). Next, the business error check processing unit 102c references the web-linked vehicle data 106c4_2 and the loan application data 106c1, links the "web-linked vehicle data.Contract No." to the "loan application data.Contract No." that matches the value, and acquires "loan application data.Customer No." (7B). Finally, the business error check processing unit 102c references the loan application data 106c1 and the customer information data 106c6_1, links the "loan application data.Customer No." to the "customer information data.Customer No." that matches the value, and acquires "customer information data.Name in Kanji" (7C).

[0065] In the example of Figure 7, "WEB linked vehicle data.User name" is "XXX", and "Customer information data.Name in Kanji" is "XXX", so they do not match. Therefore, since condition 2 of error category 02, "WEB linked vehicle data.User name ≠ Customer information data.Name in Kanji", is met, the business error check processing unit 102c enters "1" into "Error category 02" of the data record of the settlement request linked data 106a and updates the data record.

[0066] [2-2-3. Data flow for condition 3 of error category 02] The data flow in the case of condition 3 in error category 02 will be described with reference to Fig. 8. Fig. 8 is a diagram showing an outline of the data flow in the case of condition 3 in error category 02.

[0067] As shown in FIG. 8, the business error check processing unit 102c references the settlement request linked data 106a and the web-linked vehicle data 106c4_3, links the "settlement request linked data.Contract No." to the "web-linked vehicle data.Contract No." that has a matching value, and acquires "web-linked vehicle data.Web-linked information_user address" (8A). Next, the business error check processing unit 102c references the web-linked vehicle data 106c4_3 and the loan application data 106c1, links the "web-linked vehicle data.Contract No." to the "loan application data.Contract No." that has a matching value, and acquires "loan application data.Customer No." (8B). Finally, the business error check processing unit 102c references the loan application data 106c1 and the customer information data 106c6_2, links the "loan application data.Customer No." to the "customer information data.Customer No." that has a matching value, and acquires "customer information data.Address Kanji" (8C).

[0068] In the example of Figure 8, "WEB linked vehicle data.User address" is "1-2-3, ◇◇◇-cho, ◇◇◇-ku, Tokyo," while "Customer information data.Address in Kanji" is "1-2-3, ◇◇◇-cho, ◇◇◇-ku, ◇◇◇-shi, Osaka," so they do not match. Therefore, condition 3 of error category 02, "WEB linked vehicle data.User address ≠ customer information data.Address in Kanji," is met, so the business error check processing unit 102c enters "1" in "Error category 02" of the data record of the settlement request linked data 106a and updates the data record.

[0069] [2-2-4. Data flow for condition 4 of error category 02] The data flow in the case of condition 4 in error category 02 will be described with reference to Fig. 9. Fig. 9 is a diagram showing an outline of the data flow in the case of condition 4 in error category 02.

[0070] As shown in FIG. 9, the business error check processing unit 102c references the settlement request linked data 106a and the web-linked vehicle data 106c4_4, links the "settlement request linked data.Contract No." to the "web-linked vehicle data.Contract No." that matches the value, and acquires "web-linked vehicle data.Web linked information_Home address" (9A). Next, the business error check processing unit 102c references the web-linked vehicle data 106c4_4 and the loan application data 106c1, links the "web-linked vehicle data.Contract No." to the "loan application data.Contract No." that matches the value, and acquires "loan application data.Customer No." (9B). Finally, the business error check processing unit 102c references the loan application data 106c1 and the customer information data 106c6_2, links the "loan application data.Customer No." to the "customer information data.Customer No." that matches the value, and acquires "customer information data.Address Kanji" (9C).

[0071] In the example of Figure 9, "WEB linked vehicle data. User's home address" is "1-2-3, ◇◇◇-cho, ◇◇◇-ku, Tokyo," while "Customer information data. Address in Kanji" is "1-2-3, ◇◇◇-cho, ◇◇◇-ku, ◇◇◇-shi, Osaka," so they do not match. Therefore, condition 4 of error category 02, "WEB linked vehicle data. User's home address ≠ Customer information data. Address in Kanji," is met, so the business error check processing unit 102c enters "1" in "Error category 02" of the data record of the settlement request linked data 106a and updates the data record.

[0072] [2-3. Data flow for error category 03] The data flow in the case of error category 03 will be described with reference to Fig. 10. Fig. 10 is a diagram showing an outline of the data flow in the case of error category 03.

[0073] 10, the business error check processing unit 102c refers to the settlement request linked data 106a and the web-linked vehicle data 106c4_5, links the "settlement request linked data.contract No." to the "web-linked vehicle data.contract No." that has a matching value, and acquires the "web-linked vehicle data.color" (10A). Next, the business error check processing unit 102c refers to the web-linked vehicle data 106c4_5 and the loan data at the time of application 106c1, links the "web-linked vehicle data.contract No." to the "loan data at the time of application.contract No." that has a matching value, and acquires the "loan data at the time of application.customer No." & "loan data at the time of application.branch number" (10B). Finally, the business error check processing unit 102c refers to the loan data at the time of application 106c1 and the vehicle information data 106c7, links "loan data at the time of application.Customer No." & "loan data at the time of application.Branch No." with the "vehicle information data.Customer No." & "vehicle information data.Branch No." that have matching values, and obtains "vehicle information data.Color" (10C).

[0074] In the example of Figure 6, "Latest Web Application Information.Color" is "Black" and "Vehicle Information Data.Color" is "Blue", so they do not match. Therefore, the condition of error category 03, "Latest Web Application Information.Color ≠ Vehicle Information Data.Color", is met, so the business error check processing unit 102c enters "1" into "Error Category 03" of the data record of the settlement request linked data 106a and updates the data record.

[0075] [2-4. Data flow for error category 04] The data flow in the case of error category 04 will be described with reference to Fig. 11. Fig. 11 is a diagram showing an outline of the data flow in the case of error category 04.

[0076] 11, the business error check processing unit 102c references the billing status data 106c8 and acquires "Billing status data.Billing deposit account classification" or "Billing status data.Withdrawal request sent date" (11A). In addition, the business error check processing unit 102c references the WEB direct debit acceptance matching data 106c9 and acquires "WEB direct debit acceptance matching data.WEB account registration date" (11B).

[0077] In the example of Figure 11, both "Billing Status Data.Billing Deposit Account Classification" and "Billing Status Data.Withdrawal Request Sent Date" are "NULL (not registered)". In addition, "WEB Direct Debit Acceptance Matching Data.WEB Account Registration Date" is also "NULL (not registered)". Therefore, since the condition of error category 04 is met, "Billing Status Data.Billing Deposit Account not registered or (both Billing Status Data.Withdrawal Request Sent Date and WEB Direct Debit Acceptance Matching Data.WEB Account Registration Date are not registered)", the business error check processing unit 102c enters "1" into "Error Category 04" of the data record of the settlement request linked data 106a and updates the data record.

[0078] [2-5. Redeployment of repayment schedule] The re-expansion of the repayment schedule will be described with reference to Fig. 12. Fig. 12 is a diagram showing an example of repayment schedule data at the time of application before and after re-expansion of the repayment schedule.

[0079] The redeployment processing unit 102d passes the necessary parameters to the receivables that were not subject to an error and performs the repayment schedule creation process. The parameter required for the repayment schedule creation process is the "first repayment year and month," and by passing the "settlement request linked data. reception date," the repayment schedule period can be redeployed ("first repayment year and month" → "settlement request linked data. reception date").

[0080] As shown in Figure 12, after redeployment, the redeployment processing unit 102d recalculates the repayment schedule in the application repayment schedule data 106d to start from "2023-2" (February 2023), the month following the reception date of the settlement request linked data 106a, "2023-1" (January 2023). In the example of Figure 12, before the redeployment of the repayment schedule, the "repayment year and month" in the application repayment schedule data 106d started repayment in "2022-11", whereas after the redeployment of the repayment schedule, the "repayment year and month" in the application repayment schedule data 106d has been changed to start repayment in "2023-2" (February 2023).

[0081] [2-6. Summary] Until now, it took a long time from review to signing a contract, and specifications and other details were often changed during that time, which meant that changes to the repayment schedule in the customer's installment contract were frequent, and the manual redeployment of the repayment schedule was a burden.This system makes it possible to automatically redeploy the repayment schedule, reducing time and labor costs and preventing errors.

[0082] In this system, the automatic redeployment device 100 automatically executes daily at night to import settlement request linked files from affiliated stores. Then, during the import process, the automatic redeployment device 100 judges whether there is an error in the imported data. At this time, the automatic redeployment device 100 sets an error condition for each error category and judges the error category 01 to 04. If there is an error, the automatic redeployment device 100 sets a flag in the imported data (sets a flag in the error category). Conversely, if there is no error, the automatic redeployment device 100 redeploys the repayment schedule into the target debt data.

[0083] That is, the automatic redeployment device 100 determines the parameters (year and month of first repayment) required for redeployment of the repayment schedule, triggered by the confirmation of the contract content (file import). The automatic redeployment device 100 also performs error checks. For example, the automatic redeployment device 100 performs a conditional settlement judgment (error category 01), a check for discrepancies in contract information (error category 02), a check for discrepancies in product attributes (error category 03), and a check for transfer account registration (error category 04). In this way, it has become possible to automatically process everything from business checks to redeployment of the repayment schedule.

[0084] Note that in the above explanation, vehicles are merely one example. In reality, the term "subject" is not limited to vehicles. It could also be any high-value item requiring a loan contract, which requires a certain period of time from purchase (contract) to delivery (handover), resulting in a significant lag between the signing of the loan contract and the start of repayment. For example, the term "subject" could be a home (e.g., a condominium, a detached house, etc.) or other real estate, a small watercraft (e.g., a pleasure boat, a motorboat, a yacht, a personal watercraft (watercraft), a jet ski, etc.), an expensive or custom-made bicycle, sports equipment, musical instrument, or a luxury watch, luxury furniture, imported furniture, fine art, antiques, vintage items, or any other object that could be the subject of a loan. Note that the term "subject" is not limited to these examples.

[0085] In the above explanation, the color (of the vehicle) is merely an example. In reality, it is not limited to color, but may be a feature (product feature) that indicates the appearance or overall impression of the product, such as shape, pattern, other design, or theme. Also, it is not limited to color, but may be an option that can be selected when signing a contract for the product.

[0086] [3. 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.

[0087] 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.

[0088] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0089] 4. 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.

[0090] 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.

[0091] 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.

[0092] Furthermore, with regard to the automatic redeployment device 100, the components shown in the drawings are functional concepts, and do not necessarily have to be physically configured as shown in the drawings.

[0093] For example, all or any part of the processing functions of the automatic redeployment device 100, particularly the processing functions performed by the control unit, may be implemented by a CPU and a program interpreted and executed by the CPU, or may be implemented 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 processes described in this embodiment, and is mechanically read by the automatic redeployment device 100 as needed. That is, a computer program for providing 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.

[0094] This computer program may also be stored in an application program server connected to the automatic redeployment device 100 via any network, and all or part of it may be downloaded as needed.

[0095] 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.

[0096] 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. Note that a "program" is not necessarily limited to a single program, but also includes programs that are distributed as multiple modules or libraries, or programs that achieve their functions by working together with other programs, such as an OS. Note that the specific configurations and reading procedures for reading a recording medium in each device shown in the embodiments, as well as the installation procedures after reading, can use well-known configurations and procedures.

[0097] The various databases stored in the memory unit 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.

[0098] The automatic redeployment 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 automatic redeployment device 100 may be realized by installing software (including programs or data) that causes the device to realize the processing described in this embodiment.

[0099] 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 according to 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]

[0100] The present invention is useful in industries and businesses that manage credit and loan repayment schedules. [Explanation of symbols]

[0101] 100 Automatic redeployment device 102 Control section 102a File reading section 102b Data table creation section 102c Business error check processing unit 102d Redeployment processing unit 104 Communication interface unit 106 Storage section 106a Settlement request linked data 106b Business error check data 106c Reference Data 106d Repayment schedule data at the time of application 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network

Claims

1. a data table creation unit that creates a data record in the settlement request linked data based on the settlement request linked file from the member store; a transaction error check processing unit that performs a transaction error check on the data record of the created settlement request linked data based on transaction error check data; If no errors are found as a result of the business error check, a redeployment processing unit automatically redeploys the repayment schedule period into the repayment schedule data at the time of application; An automatic redeployment device comprising:

2. The business error check processing unit updates the data record of the settlement request linkage data based on the result of the business error check.

2. The automatic redeployment device according to claim 1.

3. The business error check processing unit Linking the contract number of the settlement request linked data with the contract number of the loan data at the time of application, and acquiring the customer number of the loan data at the time of application; Linking the customer number in the loan application data with the customer number in the application progress data, and acquiring the approval category in the application progress data; If the value of the approval category of the application progress data corresponds to a predetermined value, it is determined that the condition of the first error defined in the business error check data is met, and a first error is detected.

2. The automatic redeployment device according to claim 1.

4. The business error check processing unit Linking the contract number of the settlement request linkage data with the contract number of the web-linked product data, and acquiring the web-linked information_owner of the web-linked product data; Linking the contract number of the web-linked product data with the contract number of the loan data at the time of application, and acquiring the customer number and branch number of the loan data at the time of application; Linking the customer number and branch number of the loan application data with the customer number and branch number of the account application data, and acquiring the affiliated store code of the account application data; Linking the member store code of the account data at the time of application with the member store code of the member store master, and acquiring the member store name of the member store master; If the web linkage information_owner of the web linkage product data does not match the franchise store name in the franchise store master, it is determined that the second error condition 1 defined in the business error check data is met, and a second error has occurred.

2. The automatic redeployment device according to claim 1.

5. The business error check processing unit Linking the contract number of the settlement request linked data with the contract number of the web-linked product data, and acquiring the web-linked information_user name of the web-linked product data; Linking the contract number of the web-linked product data with the contract number of the loan data at the time of application, and acquiring the customer number of the loan data at the time of application; Linking the customer number in the loan application data with the customer number in the customer information data, and acquiring the name kanji in the customer information data; If the user name in the web-linked product data does not match the name in kanji in the customer information data, it is determined to be a second error, as it corresponds to condition 2 of the second error defined in the business error check data.

2. The automatic redeployment device according to claim 1.

6. The business error check processing unit Linking the contract number of the settlement request linkage data with the contract number of the web-linked product data, and acquiring the web-linked information_user address of the web-linked product data; Linking the contract number of the web-linked product data with the contract number of the loan data at the time of application, and acquiring the customer number of the loan data at the time of application; Linking the customer number in the loan application data with the customer number in the customer information data, and acquiring the address kanji in the customer information data; If the user address in the web-linked product data does not match the address kanji in the customer information data, it is determined that the second error condition 3 specified in the business error check data applies, and a second error has occurred.

2. The automatic redeployment device according to claim 1.

7. The business error check processing unit Linking the contract number of the settlement request linked data with the contract number of the web-linked product data, and acquiring the web-linked information_home address of the web-linked product data; Linking the contract number of the web-linked product data with the contract number of the loan data at the time of application, and acquiring the customer number of the loan data at the time of application; Linking the customer number in the loan application data with the customer number in the customer information data, and acquiring the address kanji in the customer information data; If the home address of the user of the web-linked product data does not match the address kanji of the customer information data, it is determined that the second error condition 4 specified in the business error check data applies, and a second error has occurred.

2. The automatic redeployment device according to claim 1.

8. The business error check processing unit Linking the contract number of the settlement request linked data with the contract number of the web-linked product data, and acquiring the product features of the web-linked product data; Linking the contract number of the web-linked product data with the contract number of the loan data at the time of application, and acquiring the customer number and branch number of the loan data at the time of application; Linking the customer number and branch number of the loan application data with the customer number and branch number of the product information data, and acquiring the product features of the product information data; If the product features in the most recent web application information do not match the product features in the product information data, it is determined that the condition for the third error defined in the business error check data is met, and a third error has occurred.

2. The automatic redeployment device according to claim 1.

9. The business error check processing unit Refer to the billing status data, and obtain the billing deposit account classification of the billing status data or the date of sending the withdrawal request form of the billing status data; Refer to the online account transfer acceptance matching data, and obtain the online account registration date of the online account transfer acceptance matching data; If the billing deposit account in the billing status data is not registered, or if both the date of sending the withdrawal request form in the billing status data and the date of registering the web account in the web account transfer acceptance matching data are not registered, the fourth error condition specified in the business error check data is met, and a fourth error is determined.

2. The automatic redeployment device according to claim 1.

10. a data table creation step in which a data table creation unit creates a data record in the settlement request linked data based on a settlement request linked file from the member store; a business error check processing step in which a business error check processing unit performs a business error check on the data record of the created settlement request linked data based on business error check data; a redeployment processing step in which the redeployment processing unit automatically redeploys the repayment schedule period into the repayment schedule data at the time of application if there is no error as a result of the business error check; 10. An automatic redeployment method comprising:

11. An information processing device a data table creating means for creating a data record in the settlement request linked data based on a settlement request linked file from the member store; a transaction error check processing means for carrying out a transaction error check based on transaction error check data for the data records of the created settlement request linked data; a redeployment processing means for automatically redeploying the repayment schedule period into the repayment schedule data at the time of application if no errors are found as a result of the business error check; Automatic redeployment program to act as.

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