Debt management device, debt management method, and debt management program

Abstract

The present invention provides a debt management device, a debt management method, and a debt management program that enable the simultaneous review of repayment amounts for target debts when performing interest rate fluctuation processing. [Solution] The debt management device according to this embodiment is a debt management device equipped with a control unit, which has access to a repayment pattern master and contract data, wherein the control unit is characterized by comprising: a contract data extraction means for extracting data from the contract data in which the input execution month and year information and the next interest rate change month are the same; a repayment amount revision means for acquiring contracts in the contract data extracted by the contract data extraction means in which the next interest rate change month and the next repayment amount revision month are the same, and revising the monthly repayment amount; and a next repayment amount revision month update means for calculating the next repayment amount revision month of the contract data extracted by the contract data extraction means by referring to the repayment pattern master and updating the contract data.

Description

Technical Field

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

Background Art

[0002] In the financing business, there are various types of variable interest rate loan products with different repayment amount review cycles, such as reviews every 5 years, reviews every 3 years, and reviews every six months. Although the review of repayment amounts corresponding to fluctuating interest rates is managed for each credit, the work of confirming the repayment amount review cycle for each credit and conducting the reviews requires a great deal of effort.

[0003] Patent Document 1 describes a loan contract management program for updating the repayment term specified in a loan contract in response to fluctuations in loan interest rates, which causes a computer to execute: an applied interest rate determination step of determining an applied interest rate to be applied to a predetermined loan contract from the latest base loan interest rate read from an interest rate table or received as an input from an input device; a repayment term determination step of reading the standard repayment amount per payment and the latest remaining loan balance specified in the loan contract included in the information on the contract terms from a contract term storage unit that stores information on the contract terms of the loan contract, applying the applied interest rate determined in the applied interest rate determination step to the remaining loan balance, calculating the number of repayment times at which the repayment amount per payment in the case of equal principal and interest repayment equals the standard repayment amount, and determining the repayment term; and a repayment term update step of updating the repayment term of the loan contract included in the information on the contract terms of the loan contract stored in the contract term storage unit to the repayment term determined in the repayment term determination step (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

[0005] However, Patent Document 1 does not describe or suggest setting a repayment amount revision pattern for each bond and, when processing interest rate fluctuations, revising the repayment amount for all bonds that match the repayment amount revision month set according to the repayment amount revision pattern.

[0006] The present invention has been made in view of the above, and aims to provide a debt management device, a debt management method, and a debt management program that can extract target debts in bulk and revise the repayment amount when performing interest rate fluctuation processing. [Means for solving the problem]

[0007] To solve the above-mentioned problems and achieve the objective, the debt management device of the present invention is a debt management device comprising a control unit, which is capable of accessing a repayment pattern master that stores repayment pattern codes for the repayment amount review cycle, and contract data that stores information including the repayment pattern code, the next interest rate change month and year, the next repayment amount review month and year, the monthly repayment amount, and the contract interest rate, wherein the control unit comprises a contract data extraction means that extracts data from the contract data in which the input execution month and year information and the next interest rate change month and year are the same, a repayment amount review means that acquires contracts in the contract data extracted by the contract data extraction means in which the next interest rate change month and year and the next repayment amount review month are the same, and performs a review of the monthly repayment amount, and a next repayment amount review month update means that calculates the next repayment amount review month of the contract data extracted by the contract data extraction means by referring to the repayment pattern master and updates the contract data.

[0008] Furthermore, the debt management method of the present invention is a debt management method executed by a debt management device equipped with a control unit, and is characterized in that it has access to a repayment pattern master that stores repayment pattern codes for a repayment amount review cycle, and contract data that stores information including repayment pattern codes, the next interest rate change month and year, the next repayment amount review month and year, monthly repayment amount, and contract interest rate, and is executed by the control unit, and includes a contract data extraction step which extracts data from the contract data in which the input execution month and year information and the next interest rate change month and year are the same, a repayment amount review step which obtains contracts in the contract data extracted in the contract data extraction step in which the next interest rate change month and year and the next repayment amount review month are the same, and performs a repayment amount review, and a next repayment amount review month and year update step which calculates the next repayment amount review month of the contract data extracted in the contract data extraction step by referring to the repayment pattern master and updates the contract data.

[0009] Furthermore, the debt management program of the present invention is a debt management program executed by a debt management device equipped with a control unit, and is capable of accessing a repayment pattern master that stores repayment pattern codes for the repayment amount review cycle, and contract data that stores information including repayment pattern codes, the next interest rate change month and year, the next repayment amount review month and year, the monthly repayment amount, and the contract interest rate, and is characterized in that the control unit is caused to execute a contract data extraction step that extracts data from the contract data in which the input execution month and year information and the next interest rate change month and year are the same, a repayment amount review step that acquires contracts in the contract data extracted in the contract data extraction step in which the next interest rate change month and year and the next repayment amount review month are the same, and performs a repayment amount review, and updates the contract data by calculating the next repayment amount review month and year of the contract data extracted in the contract data extraction step by referring to the repayment pattern master, and updating the contract data. [Effects of the Invention]

[0010] According to the present invention, when processing interest rate fluctuations, it is possible to extract all target claims at once and revise the repayment amount. [Brief explanation of the drawing]

[0011] [Figure 1] Figure 1 is a block diagram showing an example of the configuration of a debt management system. [Figure 2] Figure 2 illustrates the processing performed by the debt management system. [Figure 3] Figure 3 shows an example of a repayment pattern master and contract data. [Figure 4] Figure 4 illustrates the extraction of data from contract data. [Figure 5] Figure 5 illustrates the updating of contract data. [Modes for carrying out the invention]

[0012] Embodiments of the present invention will be described in detail with reference to the drawings. However, the present invention is not limited to these embodiments.

[0013] [1. Structure] Referring to Figure 1, an example of the configuration of the debt management device 100 according to this embodiment will be described. Figure 1 is a block diagram showing an example of the configuration of the debt management device 100.

[0014] The debt management device 100 is a commercially available desktop personal computer. However, the debt management device 100 is not limited to stationary information processing systems such as desktop personal computers, but may also be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0015] The debt 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 debt management device 100 is connected to communicate via any communication path.

[0016] The communication interface unit 104 communicatively connects the claim management apparatus 100 to the network 300 via a communication device such as a router, and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other apparatuses via a communication line. Here, the network 300 has a function of interconnecting the claim management apparatus 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

[0017] An input device 400 and an output device 500 are connected to the input / output interface unit 108. As the output device 500, in addition to a monitor (including a consumer television), a speaker or a printer can be used. As the input device 400, in addition to a keyboard, a mouse, and a microphone, a monitor that realizes a pointing device function in cooperation with the mouse can be used. In the following description, the output device 500 may be referred to as a monitor 500 or a printer 500, and the input device 400 may be referred to as a keyboard 400 or a mouse 400. Further, displaying information on the monitor 500 and allowing the user to operate the input device 400 or the like may be described as "user operation via UI".

[0018] The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 records computer programs for giving instructions to a CPU (Central Processing Unit) in cooperation with an OS (Operating System) to execute various processes. As the storage unit 106, 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, or the like can be used.

[0019] The storage unit 106 stores, for example, a repayment pattern master 106a, contract data 106b, and the like.

[0020] The repayment pattern master 106a stores repayment pattern codes related to the review cycle of repayment amounts. As shown in an example in Figure 3, the repayment pattern master 106a stores information such as repayment pattern CD, repayment amount review classification, repayment amount review cycle, and repayment amount review target month.

[0021] The contract data 106b stores information related to loan contracts. As shown in an example in Figure 3, the contract data 106b stores information such as contract number, product code, repayment pattern CD, monthly repayment amount, next interest rate change year and month, next repayment amount review year and month, and contract interest rate.

[0022] The control unit 102 is a CPU or the like that comprehensively controls the claim management apparatus 100. The control unit 102 has an internal memory for storing a control program such as an OS, programs defining various processing procedures, required data, and the like, and executes various information processing based on these stored programs.

[0023] Functionally and conceptually, the control unit 102 includes a contract data extraction unit 102a, a repayment amount review unit 102b, a next repayment amount review year and month update unit 102c, and the like.

[0024] The contract data extraction unit 102a extracts data in the contract data 106b in which the input execution year and month information is the same as the next interest rate change year and month.

[0025] The repayment amount review unit 102b acquires contracts in the contract data 106b extracted by the contract data extraction unit 102a in which the next interest rate change year and month is the same as the next repayment amount review year and month, and reviews the monthly repayment amount.

[0026] The next repayment amount review year and month update unit 102c calculates the next repayment amount review year and month of the contract data 106b extracted by the contract data extraction unit 102a with reference to the repayment pattern master 106a, and updates the contract data 106b.

[0027] [2. Processing] Here, specific examples of processes performed by the debt management device 100 will be explained with reference to Figures 2 to 5.

[0028] Loans in the lending business include fixed-rate and variable-rate loans, but with variable-rate loans, the repayment amount is reviewed in accordance with interest rate fluctuations. The repayment review cycle is often determined by the characteristics of the loan product, and there are various loan products with reviews every 5 years, every 3 years, every six months, etc. In addition, the month in which the monthly repayment amount is reviewed differs depending on the lending company. In the debt management device 100 according to this embodiment, a repayment amount review pattern is set for each bond according to the product's repayment amount review cycle, and when processing interest rate fluctuations, debts that match the repayment amount review year and month set according to the repayment amount review pattern are extracted and the repayment amount is reviewed all at once. This makes it possible to reduce the effort required to check whether each debt falls within the repayment amount review year and month.

[0029] Figure 2 is a diagram illustrating the processing in the debt management device 100. First, as preparation for product release, the debt management device 100 creates a repayment pattern master 106a that stores repayment patterns with repayment amount review categories, repayment amount review cycles, and target months for repayment amount review (0).

[0030] After the product is released, when registering a contract application, the repayment parameters set in the repayment pattern master 106a are determined according to the product characteristics and registered in the contract data 106b (1-1). The next repayment review year and month calculated from the repayment parameters are also registered in the contract data 106b (1-2).

[0031] During interest rate fluctuation processing, data is extracted from the contract data 106b where the entered execution month and year information and the next interest rate fluctuation month and year are the same (2-1). From the extracted contract data 106b, contracts eligible for revision of the repayment amount (contracts where the next interest rate fluctuation month and the next repayment amount revision month are the same) are obtained, and the monthly repayment amount is revised. Subsequently, the contract data extraction unit 102a calculates the next repayment amount revision month for the extracted contract data 106b by referring to the repayment pattern master 106a, and updates the contract data 106b (2-2).

[0032] Next, the processing of the debt management device 100 will be explained with reference to the repayment pattern master 106a and contract data 106b. In the repayment pattern master 106a shown in Figure 3, four repayment patterns are registered. Repayment pattern CD "10000001" is set to a product with a repayment review category of "0: Other than variable interest rates". Repayment pattern CD "10000002" is set to a product with a repayment review category of "1: Review each time" (reviewed every time the interest rate changes). Repayment pattern CD "10000003" is set to a product with a repayment review category of "2: Review every cycle", where the repayment review cycle is set to "5 (reviewed every 5 years)" and the repayment review target month is set to "October". Repayment pattern CD "10000004" is set to a product with a repayment review category of "3: Review every number of times", where the repayment review cycle is set to "10 (reviewed every 10 interest rate changes)".

[0033] On the other hand, in contract data 106b shown in Figure 3, four data entries are registered with contract numbers "30000810" to "30000813". Contract number "30000810" has product code "1000: Free Loan" and repayment pattern CD "10000001", contract number "30000811" has product CD "1000: Free Loan" and repayment pattern CD "10000002", contract number "30000812" has product CD "1001: Housing Loan" and repayment pattern CD "10000003", and contract number "30000813" has product CD "1002: My Car Loan" and repayment pattern CD "10000004".

[0034] As shown in Figure 4, the user enters the target month (execution year and month) for which the interest rate change processing will be performed on the input screen. The contract data extraction unit 102a extracts data from the contract data 106b where the entered execution year and month information and the next interest rate change year and month are the same. In Figure 4, "202410" is entered as the execution year and month, and the contract data extraction unit 102a extracts data from the contract data 106b where the next interest rate change is "202410". As shown in Figure 4, three records, record 2 (contract number "30000811") to record 4 (contract number "30000813"), are extracted from the contract data 106b where the next interest rate change year and month is "202410".

[0035] The repayment amount review unit 102b retrieves contracts from records 2 (contract number "30000811") to 4 (contract number "30000813") extracted by the contract data extraction unit 102a where the next interest rate change month and the next repayment amount review month are the same, and then reviews the monthly repayment amount. Since the contract with the same next interest rate change month and next repayment amount review month is contract number "30000811", the contract interest rate and monthly repayment amount are reviewed for that contract.

[0036] The next repayment amount review month update unit 102c calculates the next repayment amount review month for the contract data 106b extracted by the contract data extraction unit 102a by referring to the repayment pattern master 106a. For contract number "30000811", the repayment pattern CD is "10000002", and since it is reviewed each time the interest rate changes, the next repayment review month will be "202510", which is the next variable interest rate month (1 year later). For contract number "30000812", the repayment pattern CD is "10000003", and since the repayment amount review cycle is every 5 years, the next repayment review month will be "203410". For contract number "30000813", the repayment pattern CD is "10000004", and since repayments are reviewed every 10 interest rate changes, the next repayment review month will be "204410". Additionally, all next variable interest rate months will be updated to "202510".

[0037] In the debt management device 100 according to this embodiment, a master pattern of repayment amount review cycles according to the product is created, and the repayment review pattern code is stored in the contract data. This allows for a batch review of repayment amounts for all debts subject to repayment amount review when performing interest rate fluctuation processing.

[0038] [3. 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.

[0039] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and digital processes, thereby contributing to SDGs Goals 12, 13, and 15.

[0040] Furthermore, this embodiment can contribute to strengthening control and governance, thereby enabling contributions to SDG Goal 16.

[0041] [4. 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.

[0042] 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.

[0043] 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.

[0044] Furthermore, with respect to the debt management device 100, each component shown in the diagram is a functional concept and does not necessarily need to be physically configured as shown.

[0045] For example, the processing functions of the debt management device 100, particularly those performed in the control unit, 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 the information processing device to execute the processing described in this embodiment, and is mechanically read by the debt 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.

[0046] Furthermore, this computer program may be stored on an application program server connected to the debt management device 100 via any network, and it is possible to download all or part of it as needed.

[0047] 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.

[0048] 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 the embodiments, as well as the installation procedures after reading, well-known configurations and procedures can be used.

[0049] The various databases stored in the memory unit are storage means such as RAM, ROM, other memory devices, hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and website provision.

[0050] Furthermore, the debt management device 100 may be configured as a known personal computer or workstation or other information processing device, or as an information processing device to which any peripheral devices are connected. Alternatively, the debt 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.

[0051] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the illustration, 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]

[0052] This invention is useful for the non-bank industry that handles variable-rate loans. [Explanation of Symbols]

[0053] 100 Debt Management System 102 Control Unit 102a Contract Data Extraction Unit 102b Repayment Amount Review Department 102c Next repayment amount review date update section 104 Communication Interface Section 106 Storage section 106a Repayment Pattern Master 106b Contract Data 108 Input / Output Interface Section 200 servers 300 Networks 400 Input Devices 500 Output Device

Claims

1. A debt management device equipped with a control unit, A repayment pattern master that stores repayment pattern codes for the repayment amount review cycle, Contract data that stores information including repayment pattern code, next interest rate change month and year, next repayment amount review month and year, monthly repayment amount, and contract interest rate, Accessible, The control unit, A contract data extraction means extracts data from the aforementioned contract data in which the entered execution date information and the next interest rate change date are the same. The aforementioned contract data extraction means retrieves contracts from the extracted contract data where the next interest rate change month and the next repayment amount review month are the same, and performs a repayment amount review. A contract data extraction means calculates the next repayment amount review month for the contract data extracted by the contract data extraction means by referring to the repayment pattern master and updates the contract data; A debt management device characterized by being equipped with the following features.

2. A debt management method performed by a debt management device equipped with a control unit, A repayment pattern master that stores repayment pattern codes for the repayment amount review cycle, Contract data that stores information including repayment pattern code, next interest rate change month and year, next repayment amount review month and year, monthly repayment amount, and contract interest rate, Accessible, To be executed by the control unit, A contract data extraction step is performed to extract data from the aforementioned contract data in which the entered execution date information and the next interest rate change date are the same. In the contract data extraction step described above, a repayment amount review step is performed to select contracts from the extracted contract data where the next interest rate change month and the next repayment amount review month are the same, and to review the monthly repayment amount. The next repayment amount review month update step involves calculating the next repayment amount review month for the contract data extracted in the contract data extraction step by referring to the repayment pattern master and updating the contract data. A debt management method characterized by including the following.

3. A debt management program that is executed on a debt management device equipped with a control unit, A repayment pattern master that stores repayment pattern codes for the repayment amount review cycle, Contract data that stores information including repayment pattern code, next interest rate change month and year, next repayment amount review month and year, monthly repayment amount, and contract interest rate, Accessible, The control unit, A contract data extraction step is performed to extract data from the aforementioned contract data in which the entered execution date information and the next interest rate change date are the same. In the contract data extraction step described above, a repayment amount review step is performed to select contracts from the extracted contract data where the next interest rate change month and the next repayment amount review month are the same, and to review the monthly repayment amount. The next interest rate change month and the next repayment amount review month of the contract data extracted in the contract data extraction step are calculated by referring to the repayment pattern master, and the contract data is updated in the next repayment amount review month update step. A debt management program characterized by its ability to execute certain actions.

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