Loan repayment management device, loan repayment management method, and loan repayment management program

Abstract

The objective is to provide a loan repayment management device, a loan repayment management method, and a loan repayment management program that, by specifying the characteristics of the product, can identify the method for calculating the first repayment date, regardless of the operator's skill level, and can also automatically determine the first repayment date. [Solution] When a customer's loan application repayment pattern and loan date are set, the loan application data linked to the repayment pattern and loan date is obtained. Based on the loan application data and the repayment pattern master, the first repayment year and month of the loan are identified. Based on the loan application data, loan data at the time of application is obtained, linked to the customer, the loan application, and the first repayment year and month.

Description

Technical Field

[0001] The present invention relates to a loan repayment management device, a loan repayment management method, and a loan repayment management program.

Background Art

[0002] Patent Document 1 discloses a configuration for acquiring application account lending data with the first repayment date set at the time of application when the first repayment date is set by the user at the time of installment sales application.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the invention described in Patent Document 1, there is a problem that there is a risk of incorrect billing because the user may set an incorrect first repayment date.

[0005] The present invention has been made in view of the above problems, and an object thereof is to provide a loan repayment management device, a loan repayment management method, and a loan repayment management program that can specify a method for calculating the first repayment date and further automatically determine the first repayment date without depending on the level of the operator by specifying the merchantability (repayment pattern).

Means for Solving the Problems

[0006] To solve the above-mentioned problems and achieve the objective, the loan repayment management device according to the present invention is a loan repayment management device comprising a storage unit and a control unit, wherein the storage unit comprises a loan repayment management storage means for storing a repayment pattern master set by linking a loan repayment pattern and a determination category used for calculating the first repayment year and month, and the control unit comprises a loan application acquisition means for acquiring loan application data set by linking the repayment pattern and the loan date when the repayment pattern and loan date of the customer's applied loan are set, a repayment year and month identification means for identifying the first repayment year and month of the loan based on the loan application data and the repayment pattern master, and a loan acquisition means for acquiring application loan data set by linking the customer, the applied loan, and the first repayment year and month based on the loan application data.

[0007] Furthermore, in the loan repayment management device according to the present invention, the repayment pattern master is further configured to have an initial determination period set, and the repayment year and month identification means, when the determination category set in the repayment pattern master linked to the repayment pattern set in the loan application data is determined by the number of days, identifies a reference date obtained by adding the initial determination period to the loan date, and identifies the year and month that includes the first such elapsed day after the reference date, from among the elapsed days that have passed one month at a time from the loan date, as the initial repayment year and month of the loan.

[0008] Furthermore, in the loan repayment management device according to the present invention, the repayment pattern master is further configured with an initial determination number of months, and the repayment year and month identification means identifies the year and month including the date on which the initial determination number of months has elapsed from the loan date as the initial repayment year and month of the loan, when the determination category configured in the repayment pattern master linked to the repayment pattern configured in the loan application data is a month determination.

[0009] Furthermore, in the loan repayment management device according to the present invention, the repayment pattern master is further configured to have an initial determination closing date, and the repayment year and month identification means, when the determination category set in the repayment pattern master linked to the repayment pattern set in the loan application data is a closing date determination, identifies the year and month including the date one month after the loan date as the initial repayment year and month of the loan if the loan date is before the initial determination closing date of the year and month including the loan date, and identifies the year and month including the date two months after the loan date as the initial repayment year and month of the loan if the loan date is after the initial determination closing date of the year and month including the loan date.

[0010] Furthermore, in the loan repayment management device according to the present invention, the loan repayment management storage means further stores a product repayment pattern linkage master set by linking the loan and the repayment pattern; the loan application acquisition means further acquires loan application data set by linking the loan and the loan date when the customer's loan application and loan date are set; and the repayment year and month identification means identifies the first repayment year and month of the loan based on the loan application data, the product repayment pattern linkage master, and the repayment pattern master.

[0011] Furthermore, the loan repayment management device according to the present invention is characterized in that the initial determination period is 60 days.

[0012] Furthermore, the loan repayment management device according to the present invention is characterized in that the initial determination period is 1.

[0013] Furthermore, the loan repayment management device according to the present invention is characterized in that the initial determination closing date is the 25th.

[0014] Furthermore, the loan repayment management method according to the present invention is a loan repayment management method to be executed by a loan repayment management device comprising a storage unit and a control unit, wherein the storage unit comprises a loan repayment management storage means that stores a repayment pattern master set by linking a loan repayment pattern and a determination category used for calculating the first repayment year and month, and the control unit executes a loan application acquisition step which, if the repayment pattern and loan date of the customer's applied loan are set, acquires loan application data set by linking the repayment pattern and the loan date; a repayment year and month identification step which identifies the first repayment year and month of the loan based on the loan application data and the repayment pattern master; and a loan acquisition step which acquires loan application data set by linking the customer, the applied loan, and the first repayment year and month based on the loan application data.

[0015] Furthermore, the loan repayment management program according to the present invention is a loan repayment management program to be executed by a loan repayment management device comprising a storage unit and a control unit, wherein the storage unit comprises a loan repayment management storage means that stores a repayment pattern master set by linking a loan repayment pattern and a determination category used for calculating the first repayment year and month, and the control unit is characterized in that, when the repayment pattern and loan date of a customer's applied loan are set, it executes a loan application acquisition step that acquires loan application data set by linking the repayment pattern and the loan date, a repayment year and month identification step that identifies the first repayment year and month of the loan based on the loan application data and the repayment pattern master, and a loan acquisition step that acquires loan application data set by linking the customer, the applied loan, and the first repayment year and month based on the loan application data. [Effects of the Invention]

[0016] According to the present invention, by enabling the masterization of settings for determining the first repayment date, the retention of such settings at the time of contract conclusion, and the calculation of the first repayment date based on such settings, it is possible to eliminate the complexity of the operation of determining the first repayment date. Further, according to the present invention, by being able to determine the first repayment date, it is possible to prevent incorrect input of the first repayment date and eliminate the risk of incorrect billing. Further, according to the present invention, the system performs automatic determination and the master-set determination method can be changed according to the commerciality.

Brief Description of Drawings

[0017] [Figure 1] FIG. 1 is a diagram showing an example of loan repayment management processing in an embodiment. [Figure 2] FIG. 2 is a block diagram showing an example of the configuration of a loan repayment management apparatus in an embodiment. [Figure 3] FIG. 3 is a diagram showing an example of a data structure in an embodiment. [Figure 4] FIG. 4 is a flowchart showing an example of the processing of a loan repayment management apparatus in an embodiment. [Figure 5] FIG. 5 is a diagram showing an example of loan repayment management processing in an embodiment. [Figure 6] FIG. 6 is a diagram showing an example of loan repayment management processing in an embodiment. [Figure 7] FIG. 7 is a diagram showing an example of loan repayment management processing in an embodiment. [Figure 8] FIG. 8 is a diagram showing an example of loan repayment management processing in an embodiment.

Mode for Carrying Out the Invention

[0018] Embodiments of the present invention will be described in detail based on the drawings. Note that the present invention is not limited by these embodiments.

[0019] [1. Overview] First, referring to FIG. 1, the outline of the present invention will be described. FIG. 1 is a diagram showing an example of loan repayment management processing in an embodiment.

[0020] With the loan application from the customer, it is necessary to determine the first repayment date and month. Conventionally, in the business of determining the first repayment date and month, it was necessary to individually examine the calculation method of the first repayment date at the time of loan application and then determine the first repayment date and month.

[0021] Therefore, in the present embodiment, since the first repayment date and month can be determined according to the product characteristics, a mechanism is provided to specify the setting of the first repayment date and month according to the product characteristics and automatically calculate the first repayment date and month.

[0022] For example, in the present embodiment, the setting regarding the method of determining the first repayment date and month is managed in a master according to the product characteristics (repayment pattern) (for example, the calculation method of the first repayment date (closing date, number of days, number of months) is determined in the "first repayment setting determination classification", etc.). As shown in FIG. 1, in the present embodiment, when financing data (loan application data) is input and registered via an input screen (financing data input screen), the setting is reflected in each contract by referring to the repayment pattern master, the set value is held in the contract data, the first repayment date and month are calculated according to the setting content, and the loan data at the time of application is registered.

[0023] [2. Configuration] An example of the configuration of the loan repayment management device 100 according to the present embodiment will be described with reference to FIGS. 2 and 3. FIG. 2 is a block diagram showing an example of the configuration of the loan repayment management device 100 in the embodiment.

[0024] As shown in FIG. 2, the loan repayment management device 100 is a commercially available desktop personal computer. Note that the loan repayment management device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, or tablet personal computer.

[0025] The loan repayment management device 100 comprises a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part of the loan repayment management device 100 is connected to communicate via any communication path.

[0026] The communication interface unit 104 connects the loan repayment management device 100 to the network 300 via communication devices such as routers and wired or wireless communication lines such as dedicated lines. The communication interface unit 104 has the function of communicating data with other devices via communication lines. Here, the network 300 has the function of connecting the loan repayment management 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).

[0027] The input / output interface unit 108 is connected to an input device 112 and an output device 114. The output device 114 can be a monitor (including a touch panel), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that works in conjunction with a mouse to provide pointing device functionality. In the following, the output device 114 may be referred to as the monitor 114 or printer 114, and the input device 112 may be referred to as the keyboard 112 or mouse 112.

[0028] The memory unit 106 stores various databases, tables, and files. The memory unit 106 also stores computer programs that work in cooperation with the OS (Operating System) to give instructions to the CPU (Central Processing Unit) to perform various processes. The memory unit 106 can be, for example, a memory device such as RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, or an optical disk. The memory unit 106 includes a loan repayment management database 106a.

[0029] The loan repayment management database 106a stores loan repayment management data. Here, the loan repayment management database 106a may store a repayment pattern master that is set by linking loan repayment patterns and judgment categories used to calculate the first repayment year and month. The repayment pattern master may also have the number of days for the initial judgment set. Here, the number of days for the initial judgment set may be 60. The repayment pattern master may also have the number of months for the initial judgment set. Here, the number of months for the initial judgment set may be 1. The repayment pattern master may also have the closing date for the initial judgment set. Here, the closing date for the initial judgment set may be the 25th. The loan repayment management database 106a may also store a product repayment pattern linkage master that is set by linking loans and repayment patterns. The loan repayment management database 106a may also store loan application data and / or loan data at the time of application.

[0030] Here, with reference to Figure 3, an example of a data relationship in this embodiment will be described. Figure 3 is a diagram showing an example of a data structure in the embodiment.

[0031] As shown in Figure 3, in this embodiment, loan repayment management processing is performed by linking the product repayment pattern linkage master, the repayment pattern master, and the loan data at the time of application using the repayment pattern code.

[0032] Returning to Figure 2, the control unit 102 is a CPU or similar component that comprehensively controls the loan repayment management device 100. The control unit 102 has internal memory for storing control programs such as the OS, programs that define various processing procedures, and required data, and executes various information processing based on these stored programs. Functionally, the control unit 102 comprises a loan application acquisition unit 102a, a repayment year and month specification unit 102b, and a loan acquisition unit 102c.

[0033] The loan application acquisition unit 102a acquires loan application data. Here, if the customer's loan application repayment pattern and loan date are set, the loan application acquisition unit 102a may acquire loan application data linked to the repayment pattern and loan date. Alternatively, if the customer's loan application and loan date are set, the loan application acquisition unit 102a may acquire loan application data linked to the loan application and loan date. Furthermore, the loan application acquisition unit 102a may acquire loan application data based on the settings set on the input screen.

[0034] The repayment month and year identification unit 102b identifies the first repayment month and year of the loan. Here, the repayment month and year identification unit 102b may identify the first repayment month and year of the loan based on the loan application data and the repayment pattern master. Alternatively, if the determination category set in the repayment pattern master linked to the repayment pattern set in the loan application data is a day determination, the repayment month and year identification unit 102b may identify a reference date obtained by adding the initial determination number of days to the loan date, and then identify the year and month that includes the first such elapsed day after the reference date, one month at a time, as the first repayment month and year of the loan. Alternatively, if the determination category set in the repayment pattern master linked to the repayment pattern set in the loan application data is a month determination, the repayment month and year identification unit 102b may identify the year and month that includes the elapsed day after the initial determination number of months from the loan date as the first repayment month and year of the loan. Furthermore, the repayment month and year identification unit 102b may, when the determination category set in the repayment pattern master linked to the repayment pattern set in the loan application data is a closing date determination, identify the month and year including one month after the loan date as the first repayment month and year of the loan if the loan date is before the initial determination closing date of the month and year including the loan date, and identify the month and year including two months after the loan date as the first repayment month and year of the loan if the loan date is after the initial determination closing date of the month and year including the loan date. In addition, the repayment month and year identification unit 102b may identify the first repayment month and year of the loan based on the loan application data, the product repayment pattern linkage master, and the repayment pattern master. Furthermore, the repayment month and year identification unit 102b may identify the first repayment date of the loan.

[0035] The loan acquisition unit 102c acquires loan data at the time of loan application. Here, the loan acquisition unit 102c may acquire loan data at the time of application that is set by linking the customer, the loan applied for, and the first repayment year and month based on the loan application data. The loan acquisition unit 102c may also register the loan data at the time of application in the loan repayment management database 106a, or update the loan repayment management database 106a (the registered data) with the loan data at the time of application.

[0036] [3. Specific Examples] A specific example of this embodiment will be described with reference to Figures 4 to 8.

[0037] [Loan repayment management process] Now, with reference to Figure 4, an example of the loan repayment management process in this embodiment will be described. Figure 4 is a flowchart showing an example of the processing of the loan repayment management device 100 in this embodiment.

[0038] As shown in Figure 4, the loan application acquisition unit 102a acquires loan application data linked to the repayment pattern and loan date set by the operator via the input device 112 on the input screen (step SA-1).

[0039] Then, the repayment year and month identification unit 102b determines whether the judgment category set in the repayment pattern master, which is linked to the repayment pattern set in the loan application data, is a day judgment, a month judgment, or a closing date judgment (step SA-2).

[0040] Then, if the repayment year and month identification unit 102b determines that the determination category is a number of days determination (step SA-2: number of days), it moves the process to step SA-3.

[0041] Then, the repayment month and year identification unit 102b identifies a reference date obtained by adding the initial determination period to the loan date, and identifies the year and month that includes the first such elapsed day after the reference date, from among the elapsed days obtained one month at a time from the loan date, as the first repayment month and year of the loan (step SA-3), and proceeds to step SA-6.

[0042] Furthermore, if the repayment year and month identification unit 102b determines that the determination category is a number of months determination (step SA-2: number of months), it moves the process to step SA-4.

[0043] Then, the repayment date identification unit 102b identifies the year and month that includes the date on which the initial determination number of months has elapsed since the loan date as the first repayment date of the loan (step SA-4), and proceeds to step SA-6.

[0044] Furthermore, if the repayment year and month identification unit 102b determines that the determination category is closing date determination (step SA-2: closing date), it moves the process to step SA-5.

[0045] Then, the repayment month and year identification unit 102b identifies the month and year including one month after the loan date as the first repayment month and year of the loan if the loan date is before the first determination closing date of the month and year including the loan date, and identifies the month and year including two months after the loan date as the first repayment month and year of the loan if the loan date is after the first determination closing date of the month and year including the loan date (step SA-5), and proceeds to step SA-6.

[0046] Then, the loan acquisition unit 102c acquires application-time loan data, which is set by linking the customer, the loan applied for, and the first repayment year and month based on the loan application data, and registers the application-time loan data in the loan repayment management database 106a (step SA-6), and terminates the process.

[0047] Here, an example of the loan repayment management process in this embodiment will be described with reference to Figures 5 to 8. Figures 5 to 8 are diagrams showing an example of the loan repayment management process in this embodiment.

[0048] In this embodiment, as shown in Figure 5, when data is set in advance, as shown in Figure 6, each customer item entered by the operator in [Step 1] is set on the input screen.

[0049] In this embodiment, (1) the month and year of the first repayment are calculated. That is, in this embodiment, as shown in Figure 7, the repayment pattern master is referenced from the repayment pattern code entered on the [Step 2] input screen, and branching processes from [Pattern 1] to [Pattern 3] are executed according to the first repayment setting determination category.

[0050] Here, as shown in Figure 7, in the case of [Pattern 1]: when determining based on the initial determination period (initial repayment setting determination category = 0: first time), the process of adding "+1 month" to "Input screen.Loan date" is repeated in a loop until "Input screen.Loan date > Reference date", and the result of the calculation in the loop is displayed in "Input screen.Repayment year and month".

[0051] For example, as shown in Figure 7, in [Pattern 1], if "2024 / 9 / 30 (loan date) + 60 (repayment pattern master, initial determination days) = 2024 / 11 / 29 (reference date)", then although "2024 / 9 / 30 (loan date) + 1 > 2024 / 11 / 29 (reference date)" is not true, "2024 / 9 / 30 (loan date) + 1 + 1 > 2024 / 11 / 29 (reference date)" is true, so it is displayed as "2024 / 11 (repayment year and month)".

[0052] Furthermore, as shown in Figure 7, in the case of [Pattern 2]: when the determination is made using the initial determination number of months (initial repayment setting determination category = 1: initial determination number of months), "Input screen.Loan date + repayment pattern master.initial determination number of months" is displayed in "Input screen.Repayment year and month".

[0053] For example, as shown in Figure 7, in [Pattern 2], "2024 / 9 / 30 (Loan Date) + 1 (Repayment Pattern Master. Initial Judgment Month) = 2024 / 10 (Repayment Year and Month)" is displayed in "Input Screen. Repayment Year and Month".

[0054] Furthermore, as shown in Figure 7, in [Pattern 3]: when the determination is made on the initial determination closing date (initial repayment setting determination category = 2: when it is the initial determination closing date), if "Input screen.Loan date.Date ≤ Repayment pattern master.Initial determination closing date", then "Input screen.Repayment year and month" displays one month after "Input screen.Loan date", and in all other cases, "Input screen.Repayment year and month" displays two months after "Input screen.Loan date".

[0055] For example, as shown in Figure 7, since "(2024 / 9 / )30 ≤ 25" is not true, "2024 / 11 (Repayment Month)", which is two months after "Input Screen.Loan Date", is displayed in "Input Screen.Repayment Month".

[0056] In this embodiment, (2) the table is updated with the calculated value. That is, as shown in Figure 8, in this embodiment, when registering the input data in [Step 3], the "Customer No." and "Sub-number" are assigned, and "Input Screen.Repayment Year and Month" is set to "Application Loan Data.Repayment Year and Month". In this way, in this embodiment, the application loan data is registered by registering on the input screen (what is entered on the input screen is registered directly).

[0057] [4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving operational efficiency and promoting appropriate management decisions by companies, thereby contributing to SDGs Goals 8 and 9.

[0058] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and digital processes, thereby contributing to SDGs Goals 12, 13, and 15.

[0059] Furthermore, this embodiment can contribute to strengthening control and governance, thereby enabling contributions to SDG Goal 16.

[0060] [5. Other Embodiments] In addition to the embodiments described above, the present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims.

[0061] 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 by known methods.

[0062] Furthermore, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each process, screen examples, and database configuration shown in this specification and in the drawings may be changed at will unless otherwise specified.

[0063] Furthermore, with respect to the loan repayment management device 100, each component shown in the diagram is a functional concept and does not necessarily need to be physically configured as shown.

[0064] For example, the processing functions of the loan repayment management device 100, particularly those performed by the control unit 102, may be implemented in whole or in part by a CPU and a program interpreted and executed by the CPU, or they may be implemented as wired logic hardware. The program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in this embodiment, and is mechanically read by the loan repayment management device 100 as needed. That is, a storage unit such as ROM or HDD (Hard Disk Drive) contains a computer program that works in cooperation with the OS to give instructions to the CPU and perform various processing tasks. This computer program is executed by being loaded into RAM and works in cooperation with the CPU to constitute the control unit.

[0065] Furthermore, this computer program may be stored on an application program server connected to the loan repayment management device 100 via any network, and it is possible to download all or part of it as needed.

[0066] Furthermore, the program for executing the processing described in this embodiment may be stored on a non-temporary computer-readable recording medium, or it may be configured as a program product. Here, "recording medium" includes any "portable physical medium" such as memory cards, USB (Universal Serial Bus) memory, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (Registered Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROMs (Compact Disk Read Only Memory), MOs (Magneto-Optical disks), DVDs (Digital Versatile Disks), and Blu-ray (Registered Trademark) Discs.

[0067] Furthermore, "program" refers to a data processing method described in any language or writing method, regardless of its format, such as source code or binary code. Note that "program" is not necessarily limited to a single, monolithic structure; it also includes distributed structures consisting of multiple modules or libraries, and those that work in cooperation with other programs, such as an operating system, to achieve their functions. Regarding the specific configuration and reading procedures for reading the recording medium in each device shown in this embodiment, as well as the installation procedures after reading, well-known configurations and procedures can be used.

[0068] The various databases stored in the memory unit 106 include 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 website provision.

[0069] Furthermore, the loan repayment management device 100 may be configured as an information processing device such as a known personal computer or workstation, or as an information processing device to which any peripheral devices are connected. Alternatively, the loan repayment management device 100 may be implemented by installing software (including programs or data, etc.) on the device that enables the processing described in this embodiment.

[0070] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the figures, 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 embodiments described above may be implemented in any combination, or the embodiments may be implemented selectively. [Industrial applicability]

[0071] This invention is useful in industries such as the financial industry, including the non-bank sector. [Explanation of Symbols]

[0072] 100 Loan Repayment Management Device 102 Control Unit 102a Loan Application Acquisition Department 102b Repayment Date Specification Section 102c Loan Acquisition Department 104 Communication Interface Section 106 Storage section 106a Loan repayment management database 108 Input / Output Interface Section 112 Input device 114 Output device 200 servers 300 Networks

Claims

1. A loan repayment management device comprising a memory unit and a control unit, The aforementioned storage unit is A loan repayment management storage means that stores a repayment pattern master, which is set by linking loan repayment patterns and judgment categories used to calculate the first repayment date. Equipped with, The control unit, When the repayment pattern and loan date for the customer's applied loan are set, a loan application acquisition means acquires loan application data linked to the repayment pattern and loan date. A means for identifying the first repayment date of the loan based on the loan application data and the repayment pattern master, A loan acquisition means that acquires loan data set at the time of application, linking the customer, the loan application, and the first repayment year and month, based on the loan application data, A loan repayment management device characterized by having the following features.

2. The aforementioned repayment pattern master is Furthermore, the initial assessment period is set. The aforementioned means for specifying the repayment date is: The loan repayment management device according to claim 1, characterized in that, if the determination category set in the repayment pattern master linked to the repayment pattern set in the loan application data is a day determination, a reference date is identified by adding the initial determination number of days to the loan date, and the year and month that includes the first such elapsed day after the reference date, among the elapsed days one month at a time from the loan date, is identified as the year and month of the first repayment of the loan.

3. The aforementioned repayment pattern master is Furthermore, the number of months for the initial assessment is set. The aforementioned means for specifying the repayment date is: The loan repayment management device according to claim 1, characterized in that, if the determination category set in the repayment pattern master linked to the repayment pattern set in the loan application data is a month determination, the year and month including the date on which the initial determination number of months has elapsed from the loan date is identified as the year and month of the initial repayment of the loan.

4. The aforementioned repayment pattern master is Furthermore, an initial evaluation deadline has been set. The aforementioned means for specifying the repayment date is: The loan repayment management device according to claim 1, characterized in that, when the determination category set in the repayment pattern master linked to the repayment pattern set in the loan application data is a closing date determination, if the loan date is before the initial determination closing date of the year and month including the loan date, the year and month including the date one month after the loan date is specified as the initial repayment year and month of the loan, and if the loan date is after the initial determination closing date of the year and month including the loan date, the year and month including the date two months after the loan date is specified as the initial repayment year and month of the loan.

5. The aforementioned loan repayment management storage means is The aforementioned loan and the aforementioned repayment pattern are linked to a product repayment pattern master, which is further stored in the system. The means of obtaining the aforementioned loan application is, Furthermore, if the aforementioned loan application and loan disbursement date are set for the aforementioned customer, the loan application data linked to the aforementioned loan application and loan disbursement date is acquired. The aforementioned means for specifying the repayment date is: A loan repayment management device according to any one of claims 1 to 4, characterized in that it identifies the first repayment year and month of the loan based on the loan application data, the product repayment pattern linked master, and the repayment pattern master.

6. The aforementioned initial assessment period is: The loan repayment management device according to claim 2, characterized in that it is 60.

7. The aforementioned number of months for the initial assessment is: The loan repayment management device according to claim 3, characterized in that it is 1.

8. The aforementioned initial judgment deadline is The loan repayment management device according to claim 4, characterized in that the period is 25 days.

9. A loan repayment management method to be executed by a loan repayment management device comprising a memory unit and a control unit, The aforementioned storage unit is A loan repayment management storage means that stores a repayment pattern master, which is set by linking loan repayment patterns and judgment categories used to calculate the first repayment date. Equipped with, The control unit is executed as follows: If the repayment pattern and loan date for the customer's loan application are set, the loan application acquisition step acquires loan application data linked to the repayment pattern and loan date. A repayment month identification step that identifies the first repayment month of the loan based on the loan application data and the repayment pattern master, A loan acquisition step that acquires loan data set at the time of application, linking the customer, the loan applied for, and the first repayment year and month, based on the loan application data, A loan repayment management method characterized by including the following.

10. A loan repayment management program to be executed by a loan repayment management device comprising a memory unit and a control unit, The aforementioned storage unit is A loan repayment management storage means that stores a repayment pattern master, which is set by linking loan repayment patterns and judgment categories used to calculate the first repayment date. Equipped with, In the control unit, If the repayment pattern and loan date for the customer's loan application are set, the loan application acquisition step acquires loan application data linked to the repayment pattern and loan date. A repayment month identification step that identifies the first repayment month of the loan based on the loan application data and the repayment pattern master, A loan acquisition step that acquires loan data set at the time of application, linking the customer, the loan applied for, and the first repayment year and month, based on the loan application data, A loan repayment management program designed to get you to do it.

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