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

Abstract

To provide a financing management device, a financing management method and a financing management program which enable reducing a work load by, when a customer who contracts one or a plurality of debts is in arrears, automatically performs dummy full payment processing for each debt by registering a settlement agreement.SOLUTION: A financing management device having a control part is accessible to credit information data, repayment schedule information data, and transaction information data. The control part comprises credit information data creating means, repayment schedule information data creating means, and transaction information acquiring means. The credit information data creating means, when debts are in arrears, creates credit information data in which one or a plurality of credits of a customer are combined into one, the repayment schedule information data creating means creates repayment schedule information data on the credit information data combined into one, and the transaction information acquiring means creates transaction information data obtained by settlement processing of the plurality of debts in arrears.SELECTED DRAWING: Figure 1

Description

[Technical field]

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

[0002] When a customer purchases a product on credit or in installments, a claim is generated for each purchase, and each claim is registered in the system. When a payment is delayed, a settlement is reached with the customer to adjust the payment amount and cycle, but rather than settling on a claim-by-claim basis, a new contract is signed on a customer-by-customer basis. In the conventional system, re-contract processing through settlement for a customer with multiple claims required the operator to perform a dummy full payment process for each claim and then re-register a new contract, which made the process complicated. In addition, for each claim, balance information, etc. must be reported to an external credit agency, but because the dummy full payment process through settlement breaks the connection to external credit information for the claims, each claim had to be dealt with individually.

[0003] A patent relating to a method for managing overdue loans discloses a method for managing overdue loans that includes a plurality of user terminal devices, a center having a server that communicates with the plurality of user terminal devices via a network and a business processing unit that performs business related to overdue loans, and that processes business such as making reminder calls based on overdue data, registers deposit data, and erases overdue data (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2001-282994 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, Patent Document 1 does not carry out dummy full payment procedures for the debt when a settlement agreement is made due to overdue payments.

[0006] The present invention has been made in consideration of the above, and aims to provide a loan management device, a loan management method, and a loan management program that can reduce the workload when a customer who has contracted multiple debts falls into arrears by automatically performing dummy payment processing for each debt by registering a settlement agreement. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, the loan management device of the present invention is a loan management device equipped with a control unit, and is capable of accessing claim information data storing data including claim number, product name, contract date, reconstruction amount, and monthly payment amount for one or more claims contracted by the same customer, repayment schedule information data including a payment date and monthly payment amount set for each of the claims, and transaction information data including payment information of the customer for the claims, wherein the control unit is equipped with: claim information data creation means for creating the claim information data based on input from an operator; repayment schedule information data creation means for creating the repayment schedule information data for each of the claims based on the claim information data; and transaction information acquisition means for acquiring deposit information from the customer and creating the transaction information data, wherein the claim information data creation means creates claim information data that consolidates one or more claims of the customer into one when a default occurs on the claim, the repayment schedule information data creation means creates repayment schedule information data for the consolidated claim information data, and the transaction information acquisition means creates transaction information data for a settlement process for the multiple overdue claims.

[0008] In addition, the loan management device of the present invention is characterized in that it is equipped with a report data creation means for creating external credit agency report data to be reported to an external credit agency regarding customer payments for each claim, and the report data creation means creates external credit agency report data to the effect that one or more overdue claims will be transferred to a newly contracted claim after the claim information data creation means creates claim information data through settlement, and reports this to the external credit agency.

[0009] Further, a loan management method according to the present invention is a loan management method executed by a loan management device having a control unit, and is capable of accessing loan information data storing data including a loan number, a product name, a contract date, a reconstruction amount, and a monthly payment amount for one or more loans contracted by the same customer, repayment schedule information data including a payment date and a monthly payment amount set for each of the loans, transaction information data including payment information of the customer for the loans, and external credit agency report data for reporting to an external credit agency regarding the customer's payments for each of the loans, and the control unit creates the loan information data based on an input from an operator. the method includes a creation step, a repayment schedule information data creation step of creating the repayment schedule information data for each of the claims based on the claim information data, a transaction information acquisition step of acquiring payment information from the customer and creating the transaction information data, a settlement agreement information creation step of creating claim information data that consolidates one or more claims of the customer into one when the claim becomes overdue, a settlement repayment information creation step of creating repayment schedule information data for the consolidated claim information data, and a settlement information processing step of creating transaction information data for settling multiple overdue claims.

[0010] In addition, the loan management program of the present invention is a loan management program executed by a loan management device equipped with a control unit, and is capable of accessing claim information data storing data including the claim number, product name, contract date, reconstruction amount, and monthly payment amount for one or more claims contracted by the same customer, repayment schedule information data including the payment date and monthly payment amount set for each claim, and transaction information data including the customer's payment information for the claims, and the control unit is characterized in that it executes on a computer the following steps: a claim information data creation step for creating the claim information data based on an operator's input; a repayment schedule information data creation step for creating the repayment schedule information data for each claim based on the claim information data; a transaction information acquisition step for acquiring deposit information from the customer and creating the transaction information data; a settlement agreement information creation step for creating claim information data that consolidates one or more claims of the customer into one when the claim becomes overdue; a settlement repayment information creation step for creating repayment schedule information data for the consolidated claim information data; and a settlement information processing step for creating transaction information data for settling multiple overdue claims. Effect of the Invention

[0011] According to the present invention, when a customer who has contracted one or multiple debts falls into arrears, a dummy payment process is automatically performed for each debt by registering a settlement agreement, thereby reducing the workload. [Brief description of the drawings]

[0012] [Figure 1] FIG. 1 is a diagram showing an example of a configuration of a loan management apparatus according to the present embodiment. [Diagram 2] FIG. 2 is a diagram showing an example of the bond information data 106a. [Diagram 3] FIG. 3 is a diagram showing an example of the repayment schedule information data 106b. [Figure 4] FIG. 4 is a diagram showing an example of the transaction information data 106c. [Diagram 5]FIG. 5 is a diagram showing an example of the external credit agency report data 106d. [Figure 6] FIG. 6 is a diagram showing an example of external credit agency report data 106d' in the case where a payment delinquency has occurred. [Figure 7] FIG. 7 is a diagram for explaining the flow of a settlement process according to the conventional method. [Figure 8] FIG. 8 is a diagram showing an example of the claim information data 106a' and the repayment schedule information data 106b' in the case where a settlement has been made. [Figure 9] FIG. 9 is a diagram showing an example of transaction information data 106c' in the case where a settlement has been made. [Figure 10] FIG. 10 is a diagram showing an example of external credit agency report data 106d when a settlement has been made. [Figure 11] FIG. 11 is a diagram showing an example of the settlement process registration screen MA. [Figure 12] FIG. 12 is a diagram showing an example of the payment schedule registration screen MB in the settlement process. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0013] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of a loan management device, a loan management method, and a loan management program according to the present invention will be described in detail with reference to the accompanying drawings. Note that the present invention is not limited to the preferred embodiments.

[0014] [1. Configuration] An example of the configuration of the loan management device according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a diagram showing an example of the configuration of the loan management device 100 according to this embodiment.

[0015] The loan management device 100 is constructed based on a commercially available desktop personal computer. The loan management device 100 is not limited to being constructed based on a stationary information processing device such as a desktop personal computer, but may be constructed based on a portable information processing device such as a commercially available notebook personal computer, a PDA (Personal Digital Assistant), a smartphone, or a tablet personal computer.

[0016] The loan management device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. The units included in the loan management device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0017] The communication interface unit 104 communicatively connects the loan management apparatus 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the loan management apparatus 100 and the server apparatus 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). The data stored in the memory unit 106 may be stored in the server apparatus 200, for example.

[0018] An input device 400 and an output device 500 are connected to the input / output interface unit 108. The output device 500 may be a monitor (including a home television), a speaker, or a printer. The input device 400 may be a keyboard, a mouse, a microphone, or a monitor that cooperates with a mouse to realize a pointing device function. In the following, the output device 500 may be referred to as the monitor 500, and the input device 400 may be referred to as the keyboard 400 or the mouse 400.

[0019] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs for cooperating with an OS (Operating System) to give instructions to a CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. For example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used as the storage unit 106.

[0020] The memory unit 106 stores, for example, credit information data 106a, repayment schedule information data 106b, transaction information data 106c, external credit agency report data 106d, and the like.

[0021] As shown in FIG. 2, the credit information data 106a stores information such as credit number, product, contract date, advance amount, monthly payment amount, and first payment date, associated with a customer number.

[0022] As shown in FIG. 3, the repayment schedule information data 106b stores repayment schedule information such as payment date and monthly payment amount for each credit in association with a customer number.

[0023] The transaction information data 106c includes, as shown in FIG. , bonds Transaction information such as the invoice number, transaction date (date of deposit), deposit amount, outstanding receivables, and fully paid-off classification is stored in association with the customer number.

[0024] As shown in FIG. 5, the external credit agency report data 106d stores report data such as credit number, report date, contract management category, deposit category, billing amount, deposit amount, credit balance, etc., associated with the customer number.

[0025] The control unit 102 is a CPU or the like that comprehensively controls the loan management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, and required data, and executes various information processing based on these stored programs.

[0026] The control unit 102 conceptually comprises, in terms of functions, a credit information data creating unit 102a, a repayment schedule information data creating unit 102b, a transaction information acquiring unit 102c, a report data creating unit 102d, and the like.

[0027] The credit information data creation unit 102a creates credit information data 106a including credit information based on a credit contract with a customer, i.e., information such as credit number, product, contract date, advance amount, monthly payment amount, and first payment date. In addition, when a credit is overdue, the credit information data creation unit 102a creates credit information data 106a' (see FIG. 1) based on a settlement agreement that consolidates one or more credits of the customer into one. 8 (see reference).

[0028] The repayment schedule information data creation unit 102b creates information on the repayment schedule of the claim, i.e., repayment schedule information data 106b including payment date, monthly payment amount, etc. After the claim information data creation unit 102a creates new claim information data 106a' as a result of settlement, the repayment schedule information data creation unit 102b creates repayment schedule information data 106b' (see FIG. 8) for the consolidated claim information data 106a'.

[0029] The transaction information acquisition unit 102c acquires information on the receipt of payment from the customer regarding the claim, and creates transaction information data 106c based on the acquired information on the receipt of payment. In addition, after the claim information data creation unit 102a creates new claim information data 106a' by settlement, the transaction information acquisition unit 102c creates one or more overdue claims. settlement Transaction information data 106c' to be processed (Fig. 9 (see reference).

[0030] The report data creation unit 102d creates external credit agency report data 106d for reporting to the external credit agency regarding the customer's payment for the credit, and reports the same to the external credit agency by e-mail or the like. In addition, after the credit information data creation unit 102a creates the credit information data 106a' resulting from the settlement, the report data creation unit 102d creates external credit agency report data 106d' (see FIG. 10 (see below) and report it to an external credit agency.

[0031] [2. Processing] Here, a specific example of the process executed by the loan management apparatus 100 will be described with reference to FIGS.

[0032] When a customer enters into a credit contract, such as a credit purchase or installment purchase of a product, credit information data 106a is registered for each credit. Credit information data 106a is stored for one or more credits contracted by the same customer, linked by customer number, etc. For example, as shown as an example in Fig. 2, credit information data 106a is stored for credits 100-0, 100-1, and 100-2 of the same customer, linked by customer number 100.

[0033] When a credit contract is made with a customer, repayment schedule information data 106b is created and stored for each credit, as shown in Fig. 3. Repayment schedule information data 106b consists of credit number, payment date, monthly payment amount, etc., and repayment schedule information data 106b-0, 106b-1, 106b-2 for credits 100-0, 100-1, 100-2 of the same customer are linked by customer number 100 and stored.

[0034] When the monthly payment amount is received from the customer on the payment date for claims 100-0, 100-1, and 100-2, transaction information data 106c is created and updated for the new payment, as shown in Figure 4. The transaction information data 106c updates the claim balance every time a monthly payment amount is received. Also, for claims with remaining balances, the paid-off category is automatically filled in with "100," indicating that the claim is in progress.

[0035] Furthermore, for each claim, external credit agency report data 106d as shown in Fig. 5 is created and updated in order to report claim information such as the claim balance to an external credit agency monthly. The external credit agency report data 106d updates the invoice amount, deposit amount, and claim balance at the time of reporting based on the transaction information data 106c. If the deposit amount matches the invoice amount, the deposit category is automatically filled in with "$", which indicates a full amount deposit.

[0036] When a customer makes monthly payments, transaction information data 106c and external credit agency report data 106d are created and updated monthly. On the other hand, when a payment is delayed and becomes overdue, external credit agency report data 106d' as shown in Figure 6 is created. In the case of overdue payment, the amount of payment becomes 0, and the payment classification is entered as "A", which means not yet paid.

[0037] Conventionally, when a payment default occurs, the created external credit agency report data 106d' is not sent to the external credit agency, and the work of creating and reporting data for each report is performed outside the system. Also, as shown in FIG. 7, the operator creates transaction information data 106c'' for each credit, which is a dummy deposit process that sets the credit balance to zero and assumes that a dummy deposit has been made. Also, when a settlement process is performed with a customer, credit information data 106a'' with a new credit number is registered, and repayment schedule information data 106c'' is created based on the credit information data 106a''. If a customer who has become delinquent has multiple credit contracts as shown in FIG. 7, it is necessary to create transaction information data 106c'' for each credit, which increases the workload. Furthermore, it is also necessary to create and report to the external credit agency that credits 100-0, 100-1, and 100-2 have been processed as dummy deposits due to the default, and are being carried over to credit 100-3.

[0038] In this embodiment, when a debt falls into arrears and a settlement agreement is made, debt information data 106a' and repayment schedule information data 106b' due to settlement, an example of which is shown in Fig. 8, are created by inputting information into the settlement processing registration screen MA and payment schedule registration screen MB, examples of which are shown in Fig. 11 and Fig. 12, and then transaction information data 106c' shown in Fig. 9 is automatically created. In the settled transaction information data 106c', no dummy deposit processing is performed, the deposit amount is set to 0, the debt balance is set to 0, and the payment completion classification is set to 300 for settlement.

[0039] Moreover, the external credit agency report data 106d' that is created is generated and reported as shown in an example in Fig. 10, and includes data on overdue claims 100-0, 100-1, and 100-2, and data on claim 100-3 that has been taken over through settlement. In the external credit agency report data 106d', for claims 100-0, 100-1, and 100-2, a claim balance of 0 is entered, and "73" indicating completion of transfer is entered as the closing comment, and for claim 100-3, "21" indicating a transferred claim is entered as the contract management classification, making it clear that claims 100-0, 100-1, and 100-2 have been taken over by the settled claim 100-3.

[0040] As described above, according to this embodiment, when a claim becomes overdue and claim information data 106a' and repayment schedule information data 106b' are created through settlement, transaction information data 106c' is automatically created for the overdue claim to be settled. Also, the external credit agency report data 106d' is transferred to a new claim for the overdue claim and is reported together with information on the settled claim, so that the workload can be significantly reduced.

[0041] [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 goals 8 and 9 of the SDGs.

[0042] 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.

[0043] Furthermore, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

[0044] [4. Other embodiments] The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0045] 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.

[0046] In addition, 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 may be changed as desired unless otherwise specified.

[0047] Moreover, with regard to the loan management device 100, the components shown in the figures are merely functional concepts, and the devices do not necessarily have to be physically configured as shown in the figures.

[0048] For example, the processing functions of the loan management device 100, particularly the processing functions performed by the control unit, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded in a non-transient computer-readable recording medium that includes programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the loan management device 100 as necessary. That is, a computer program for giving 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 a RAM, and cooperates with the CPU to form a control unit.

[0049] In addition, this computer program may be stored in an application program server connected to the loan management device 100 via any network, and it is also possible to download all or a part of it as necessary.

[0050] In addition, the program for executing the process described in this embodiment may be stored in a non-transient computer-readable recording medium, or may be configured as a program product. Here, the "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.

[0051] Moreover, a "program" is a data processing method written in any language or description method, and may be in any form, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration as multiple modules or libraries, and a program that works with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, may use well-known configurations and procedures.

[0052] The various databases etc. 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 etc. used for various processes and providing websites.

[0053] The loan management device 100 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as the information processing device to which any peripheral device is connected. The loan management device 100 may be realized by installing software (including programs or data) that causes the device to realize the processes described in this embodiment.

[0054] 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 functionally or physically distributed and integrated in any unit according to various additions or functional loads. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively. [Industrial Applicability]

[0055] The present invention is particularly useful in the real estate industry for loan management and the like. [Explanation of symbols]

[0056] 100 Loan management device 102 Control section 102a Credit Information Data Creation Department 102b Repayment schedule information data creation department 102c Transaction information acquisition unit 102d Report Data Creation Department 104 Communication interface section 106 Storage section 106a Credit Information Data 106b Repayment schedule information data 106c Transaction information data 106d External credit agency report data 108 Input / Output Interface Section 200 Servers 300 Network 400 Input Device 500 Output Device

Claims

1. A loan management device including a control unit, Credit information data that stores data including credit number, product name, contract date, repayment amount, and monthly payment amount for one or more credits contracted by the same customer; Repayment schedule information data including a payment date and a monthly payment amount set for each of the claims; transaction information data including customer payment information for said receivables; is accessible to The control unit is a credit information data creation means for creating the credit information data based on an input from an operator; a repayment schedule information data creation means for creating the repayment schedule information data for each of the claims based on the claim information data; a transaction information acquisition means for acquiring deposit information from said customer and creating said transaction information data; Equipped with the credit information data creation means creates credit information data that consolidates one or more credits of the customer into one when the credit is overdue, the repayment schedule information data creation means creates repayment schedule information data from the consolidated credit information data; The loan management device is characterized in that the transaction information acquisition means creates transaction information data for reconciling a plurality of overdue claims.

2. a report data creating means for creating external credit agency report data for reporting to an external credit agency regarding the customer's payment for each of said claims; The loan management device as described in claim 1, characterized in that after the claim information data creation means creates claim information data due to settlement, the report data creation means creates external credit agency report data including data on one or more overdue claims and data on new claims contracted as a result of settlement, and indicates that one or more overdue claims will be transferred to the newly contracted claims, and reports this to the external credit agency.

3. A loan management method executed by a loan management device having a control unit, Credit information data that stores data including credit number, product name, contract date, repayment amount, and monthly payment amount for one or more credits contracted by the same customer; Repayment schedule information data including a payment date and a monthly payment amount set for each of the claims; transaction information data including customer payment information for said receivables; external credit agency reporting data for reporting customer payments per said receivables to an external credit agency; is accessible to The control unit is a claim information data creation step of creating the claim information data based on an input from an operator; a repayment schedule information data creation step of creating the repayment schedule information data for each of the claims based on the claim information data; a transaction information acquisition step of acquiring payment information from the customer and creating the transaction information data; a settlement agreement information creation step for creating credit information data that consolidates one or more credits of the client into one when the credit is overdue; a reconciliation repayment information creation step for creating repayment schedule information data of the consolidated claim information data; a deemed-payment information processing step for creating transaction information data for settling a plurality of overdue claims; containing, A loan management method comprising:

4. A loan management program executed by a loan management device having a control unit, Credit information data that stores data including credit number, product name, contract date, repayment amount, and monthly payment amount for one or more credits contracted by the same customer; Repayment schedule information data including a payment date and a monthly payment amount set for each of the claims; transaction information data including customer payment information for said receivables; is accessible to The control unit is a claim information data creation step of creating the claim information data based on an input from an operator; a repayment schedule information data creation step of creating the repayment schedule information data for each of the claims based on the claim information data; a transaction information acquisition step of acquiring payment information from the customer and creating the transaction information data; a settlement agreement information creation step for creating credit information data that consolidates one or more credits of the client into one when the credit is overdue; a reconciliation repayment information creation step for creating repayment schedule information data of the consolidated claim information data; a settlement information processing step for creating transaction information data for settling a plurality of overdue claims; A loan management program characterized by being executed by a computer.

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