Offsetting interest rate management device, offsetting interest rate management method, and offsetting interest rate management program

Abstract

To provide an interest at offset management device, an interest at offset management method and an interest at offset management program capable of automatically calculating an amount of a reception interest rate or a payment interest rate on the basis of a claim to be an offset candidate and a scheduled settlement date of scheduled payment.SOLUTION: An interest at offset management device acquires an interest rate calculation condition obtained by setting an interest start data and an interest rate, executes offset processing between credit data and debt data, acquires a credit payment interest rate amount for a credit generated by the offset processing and a debt reception interest rate amount for a debt on the basis of the interest rate calculation condition, and acquires an interest rate amount at offset based on a balance amount between the credit payment interest rate amount and the debt reception interest rate amount.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an offsetting interest rate management device, an offsetting interest rate management method, and an offsetting interest rate management program. [Background technology]

[0002] Patent Document 1 discloses a configuration in which settlement processing is carried out on the later of the settlement date of the receivable or the settlement date of the payable, using the net amount after offsetting the receivable and payable plus interest for the delay in the settlement date based on the difference in the number of days between the two settlement dates. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] International Publication No. 2003 / 067490 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the invention described in Patent Document 1 above had a problem in that when offsetting receivables and payables prior to the scheduled settlement date, it was not possible to calculate the interest amount on the receivables and payables for the number of days shortened for payment or receipt.

[0005] The present invention has been made in consideration of the above-mentioned problems, and aims to provide an offsetting interest rate management device, an offsetting interest rate management method, and an offsetting interest rate management program that can automatically calculate the amount of interest received or paid based on the bills that are candidates for offsetting and the scheduled settlement date of the scheduled payment. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the objective, the offsetting interest rate management device of the present invention is an offsetting interest rate management device equipped with a memory unit and a control unit, wherein the memory unit is equipped with a transaction memory means for storing receivable data set by linking the planned collection amount and planned collection date of the receivable, and debt data set by linking the planned payment amount and planned payment date of the debt, and the control unit is characterized by being equipped with an interest calculation condition acquisition means for acquiring interest calculation conditions in which an interest rate start date and an interest rate are set, and an offsetting interest rate acquisition means for executing an offsetting process between the receivable data and the debt data, and acquiring, based on the interest calculation conditions, the receivable interest amount for the receivable and the debt interest amount received for the debt resulting from the offsetting process, and acquiring an offsetting interest amount based on the difference between the receivable interest amount and the debt interest amount received.

[0007] In addition, in the interest rate management device at the time of offsetting of the present invention, the interest rate acquisition means executes the offsetting process between the claim data and the debt data, and obtains the claim interest payment amount for the claim resulting from the offsetting process by multiplying the planned collection amount by the interest rate based on the interest calculation conditions by the quotient obtained when the number of days between the planned collection date and the interest calculation date is used as the dividend and 365 is used as the divisor, obtains the debt interest receivable amount for the debt by multiplying the planned payment amount by the interest rate by the quotient obtained when the number of days between the planned payment date and the interest calculation date is used as the dividend and 365 is used as the divisor, and obtains the interest rate at the time of offsetting based on the difference between the claim interest payment amount and the debt interest receivable amount.

[0008] In addition, in the offsetting interest management device of the present invention, the interest calculation conditions are further characterized in that a day condition is set indicating whether the number of days in a month should be the calendar or 30 days.

[0009] In addition, in the offsetting interest rate management device of the present invention, the offsetting interest rate acquisition means further acquires the difference between the amount to be collected and the amount to be paid as the offsetting balance, and the interest calculation conditions are further characterized in that an offsetting method is set indicating whether the offsetting balance is to be settled including the offsetting interest amount, or whether the offsetting balance and the offsetting interest amount are to be settled separately.

[0010] In addition, in the offsetting interest rate management device of the present invention, the offsetting interest rate acquisition means is further characterized in that when the offsetting method is set in the interest calculation conditions such that the offsetting interest amount is included in the offsetting remaining amount and settled, the offsetting interest rate acquisition means acquires the amount obtained by subtracting the offsetting interest rate from the offsetting remaining amount as the settlement amount.

[0011] In addition, in the offsetting interest rate management device of the present invention, the offsetting interest rate acquisition means is further characterized in that, when the interest calculation conditions include an offsetting method in which the offsetting balance and the offsetting interest amount are settled separately, and when the settlement date of the offsetting balance is different from the interest calculation date, the offsetting interest rate acquisition means acquires, as the settlement day interest amount, an amount obtained by multiplying the offsetting balance by the interest rate and the quotient obtained when the number of days between the settlement date of the offsetting balance and the interest calculation date is used as the dividend and 365 is used as the divisor, and acquires, as the different settlement day interest amount, an amount obtained by adding or subtracting the settlement day interest amount to or from the offsetting interest amount.

[0012] In addition, in the offsetting interest rate management device of the present invention, the interest amount on different settlement dates is the interest received when the balance after offsetting is the remaining debt amount and the settlement date of the balance after offsetting is prior to the interest calculation date, or when the balance after offsetting is the remaining receivable amount and the settlement date of the balance after offsetting is after the interest calculation date.

[0013] In addition, in the offsetting interest rate management device of the present invention, the interest amount on different settlement dates is the payment interest when the balance after offsetting is the remaining debt amount and the settlement date of the balance after offsetting is after the interest calculation date, or when the balance after offsetting is the remaining receivable amount and the settlement date of the balance after offsetting is before the interest calculation date.

[0014] In addition, in the interest rate management device at the time of offsetting of the present invention, the interest rate acquisition means executes the offsetting process between the claim data and the debt data, and acquires the claim interest payment amount for the claim and the debt interest received amount for the debt resulting from the offsetting process based on the interest calculation conditions, and when a claim interest adjustment amount for the claim interest payment amount and / or a debt interest adjustment amount for the debt interest received amount are set by the user, the means acquires the difference between the amount obtained by adding or subtracting the claim interest adjustment amount to or from the claim interest payment amount and the amount obtained by adding or subtracting the debt interest adjustment amount to or from the debt interest received amount as the interest rate at the time of offsetting.

[0015] In the offsetting interest management device according to the present invention, the control unit further comprises an offsetting screen display means for displaying an offsetting screen showing the offsetting interest amount.

[0016] In addition, the offsetting interest rate management method of the present invention is a offsetting interest rate management method to be executed by an offsetting interest rate management device having a memory unit and a control unit, the memory unit having a transaction memory means for storing receivable data set by linking the planned collection amount and planned collection date of the receivable, and debt data set by linking the planned payment amount and planned payment date of the debt, and is characterized in that it includes an interest calculation condition acquisition step to be executed by the control unit, which acquires interest calculation conditions in which an interest calculation date and an interest rate are set, and an offsetting interest rate acquisition step to execute an offsetting process between the receivable data and the debt data, and acquire the receivable interest amount for the receivable and the debt interest amount receivable for the debt resulting from the offsetting process based on the interest calculation conditions, and acquire an offsetting interest amount based on the difference between the receivable interest amount and the debt interest amount.

[0017] In addition, the offsetting interest rate management program of the present invention is an offsetting interest rate management program to be executed by an offsetting interest rate management device having a memory unit and a control unit, wherein the memory unit has a transaction memory means for storing receivable data set by linking the planned collection amount and planned collection date of the receivable, and debt data set by linking the planned payment amount and planned payment date of the debt, and the control unit executes an interest calculation condition acquisition step for acquiring interest calculation conditions in which an interest calculation date and an interest rate are set, and an offsetting interest rate acquisition step for executing an offsetting process between the receivable data and the debt data, acquiring the receivable interest amount for the receivable and the debt interest amount received for the debt that arise from the offsetting process based on the interest calculation conditions, and acquiring an offsetting interest amount based on the difference between the receivable interest amount and the debt interest amount received. Effect of the Invention

[0018] In conventional offsetting processes, each person in charge often prepared documents and performed calculations manually, but the present invention has the effect of allowing the user to select an interest rate and offsetting method, thereby enabling the interest amount to be calculated automatically. In addition, the present invention has the effect of allowing the user to set an interest rate for each transaction, enabling automatic calculation using a calculation method agreed upon for each business partner. In addition, when settling credits and debts by offsetting, the present invention has the effect of allowing a series of processes related to the determination of whether to pay or receive, the calculation of the interest paid or received, the recording of interest, and the settlement of interest to be executed based on the starting date of interest calculation, the offsetting method, the method of handling the number of days, and the interest rate settings, etc. [Brief description of the drawings]

[0019] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of an offsetting interest management device in this embodiment. [Diagram 2] FIG. 2 is a flowchart showing an example of the process of the offset interest management device in this embodiment. [Diagram 3]FIG. 3 is a diagram showing an example of the interest calculation condition specification screen in this embodiment. [Figure 4] FIG. 4 is a diagram showing an example of an account receivable / payable offset input screen in this embodiment. [Diagram 5] FIG. 5 is a diagram showing an example of the interest calculation process in this embodiment. [Figure 6] FIG. 6 is a diagram showing an example of the interest calculation process in this embodiment. [Figure 7] FIG. 7 is a diagram showing an example of a payment condition designation screen in this embodiment. [Figure 8] FIG. 8 is a diagram showing an example of a payment condition designation screen in this embodiment. [Figure 9] FIG. 9 is a diagram showing an example of a payment condition designation screen in this embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0020] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the drawings. However, the present invention is not limited to the embodiment.

[0021] [1. Overview] First, an overview of the present invention will be described.

[0022] In the ready-mix concrete and cement trading industry, the proportion of transactions between fellow traders is high, and there are many cases of offsetting in the exchange of deposits and payments. In addition, since payment terms are often decided on a contract basis, not for each business partner, there are many cases where items with different collection and payment terms are offset together. For this reason, when offsetting between fellow traders, it is common to simultaneously exchange interest rates separately.

[0023] However, in conventional offsetting work, each person in charge often created their own documents using Excel (registered trademark), so when a handover occurred due to a transfer of personnel, the calculation results could change depending on who was doing the work.

[0024] Therefore, in this embodiment, a mechanism is provided which automatically calculates, based on information on the scheduled settlement date of invoices and payments, the amount of interest paid to the other party equivalent to the number of days shortened when a receivable is offset (settled) before the original scheduled payment date, and the amount of interest received from the other party equivalent to the number of days shortened when a debt is offset (settled) before the original scheduled payment date.

[0025] [2. Configuration] An example of the configuration of the offsetting interest rate management device 100 according to this embodiment will be described with reference to Fig. 1. Fig. 1 is a block diagram showing an example of the configuration of the offsetting interest rate management device 100 according to this embodiment.

[0026] As shown in Fig. 1, the offset interest management device 100 is a commercially available desktop personal computer. The offset interest management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, tablet personal computer, etc.

[0027] The offsetting interest management device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input / output interface unit 108. Each unit of the offsetting interest management device 100 is connected to each other so as to be able to communicate with each other via any communication path.

[0028] The communication interface unit 104 communicably connects the offsetting interest management device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the offsetting interest management device 100 and the server 200 to be able to communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

[0029] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a touch panel), a speaker, or a printer. The input device 112 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 114 may be referred to as the monitor 114 or the printer 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0030] The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 records computer programs for cooperating with an OS (Operating System) to give instructions to a CPU (Central Processing Unit) to perform various processes. 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. The storage unit 106 includes a transaction database 106a.

[0031] The transaction database 106a stores transaction data. Here, the transaction database 106a may store claim data in which the scheduled collection amount and scheduled collection date of the claim are linked together, and debt data in which the scheduled payment amount and scheduled payment date of the debt are linked together. Here, the claim data may be billing data (scheduled collection data), and the debt data may be scheduled payment data.

[0032] The control unit 102 is a CPU or the like that comprehensively controls the offsetting interest 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, required data, etc., and executes various information processing based on these stored programs. In terms of functional concept, the control unit 102 comprises an interest calculation condition acquisition unit 102a, an offsetting interest rate acquisition unit 102b, and an offsetting screen display unit 102c.

[0033] The interest calculation condition acquisition unit 102a acquires interest calculation conditions that set an interest calculation date and an interest rate. Here, the interest calculation conditions may be set to a day condition indicating whether the number of days in a month is to be according to the calendar or 30 days. The interest calculation condition acquisition unit 102a may also acquire interest calculation conditions that set an interest calculation date and an interest rate. The interest calculation conditions may be set to an offset method that indicates whether the offsetting balance, which is the difference between the amount to be collected and the amount to be paid, is to be settled including the offsetting interest amount, or whether the offsetting balance and the offsetting interest amount are to be settled separately. The interest calculation condition acquisition unit 102a may also display an interest calculation condition designation screen.

[0034] The offset interest rate acquisition unit 102b acquires the claim interest payment amount for the claim and the debt interest rate received amount for the debt, which arise from the offset process between the claim data and the debt data, and acquires the offset interest rate based on the difference between the claim interest payment amount and the debt interest rate received amount. Here, the offset interest rate acquisition unit 102b may execute the offset process between the claim data and the debt data, acquire the claim interest payment amount for the claim and the debt interest rate received amount for the debt, which arise from the offset process, based on the interest calculation conditions, and acquire the offset interest rate based on the difference between the claim interest payment amount and the debt interest rate received amount. Also, the offset interest acquisition unit 102b may execute offset processing of the claim data and the debt data, and based on the interest calculation conditions, multiply the value obtained by multiplying the expected collection amount by the interest rate by the quotient obtained when the number of days between the expected collection date and the interest calculation date is the dividend and 365 is the divisor to obtain the claim interest payment amount for the claim resulting from the offset processing, and multiply the value obtained by multiplying the expected payment amount by the interest rate by the quotient obtained when the number of days between the expected payment date and the interest calculation date is the dividend and 365 is the divisor to obtain the debt interest receivable amount for the debt, and may obtain the offset interest amount based on the difference between the claim interest payment amount and the debt interest receivable amount. Also, the offset interest acquisition unit 102b may obtain the difference between the expected collection amount and the expected payment amount as the offset remaining amount. In addition, when an offsetting method in which the offsetting interest amount is included in the offsetting balance and settled is set in the interest calculation conditions, the offsetting interest acquisition unit 102b may acquire the amount obtained by subtracting the offsetting interest amount from the offsetting balance as the settlement amount. In addition, when an offsetting method in which the offsetting balance and the offsetting interest amount are settled separately is set in the interest calculation conditions, and when the settlement date of the offsetting balance is different from the interest calculation date, the offsetting interest acquisition unit 102b may acquire the amount obtained by multiplying the offsetting balance by the interest rate by the quotient obtained by using the number of days between the settlement date of the offsetting balance and the interest calculation date as the dividend and 365 as the divisor as the dividend, as the settlement day interest amount, and may acquire the amount obtained by adding or subtracting the settlement day interest amount from the offsetting interest amount as the different settlement day interest amount. Here, the interest amount on different settlement dates may be the interest received if the balance after offsetting is the remaining debt amount and the settlement date of the balance after offsetting is before the interest calculation date, or if the balance after offsetting is the remaining receivable amount and the settlement date of the balance after offsetting is after the interest calculation date.The different settlement date interest amount may be the payment interest amount when the offset balance is the debt balance and the settlement date of the offset balance is after the interest calculation date, or when the offset balance is the claim balance and the settlement date of the offset balance is before the interest calculation date. The offset interest rate acquisition unit 102b may execute offset processing between the claim data and the debt data, and acquire the claim payment interest amount for the claim and the debt receivable interest amount for the debt resulting from the offset processing based on the interest calculation conditions, and when the user sets the claim interest adjustment amount for the claim payment interest amount and / or the debt interest adjustment amount for the debt receivable interest amount, acquire the difference between the amount obtained by adding or subtracting the claim interest adjustment amount to or from the claim payment interest amount and the amount obtained by adding or subtracting the debt interest adjustment amount to or from the debt receivable interest amount as the offset interest amount. The offset interest rate acquisition unit 102b may also display a claim / debt offset input screen, etc.

[0035] The offset screen display unit 102c displays an offset screen showing the amount of interest at the time of offset. Here, the offset screen may include a payment condition specification screen, etc.

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

[0037] [Interest management processing at offsetting] Here, an example of the offsetting interest management process in this embodiment will be described with reference to Fig. 2. Fig. 2 is a flow chart showing an example of the process of the offsetting interest management device 100 in this embodiment.

[0038] As shown in Figure 2, when the user sets the interest calculation date, offset method, number of days condition, and interest rate on the interest calculation condition specification screen, the interest calculation condition acquisition unit 102a acquires the interest calculation conditions that set the interest calculation date, offset method, number of days condition, and interest rate (step SA-1).

[0039] Then, the offsetting interest rate acquisition unit 102b executes an offsetting process between the billing data and payment schedule data stored in the transaction database 106a, and acquires the receivable interest rate for the receivable and the debt interest rate for the debt resulting from the offsetting process based on the interest calculation conditions.If the user sets a receivable interest rate adjustment amount for the receivable interest rate and / or a debt interest rate adjustment amount for the debt interest rate received on the payment conditions designation screen, the unit acquires the difference between the amount obtained by adding or subtracting the receivable interest rate adjustment amount to or from the receivable interest rate and the amount obtained by adding or subtracting the debt interest rate adjustment amount to or from the debt interest rate received (step SA-2).

[0040] Then, the offset screen display unit 102c displays an offset screen showing the amount to be collected, the amount to be paid, the offset amount, the interest payable on the debt, the interest received on the debt, the interest adjustment amount on the debt, the interest adjustment amount on the debt, the interest amount at the time of offsetting, the remaining amount after offsetting, and / or the settlement amount (step SA-3), and the processing ends.

[0041] An example of the interest calculation condition specification screen in this embodiment will now be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of the interest calculation condition specification screen in this embodiment.

[0042] As shown in Figure 3, the interest calculation condition specification screen in this embodiment is a screen for specifying conditions for calculating interest before offsetting processing, and may include an "Interest start date" field for specifying the date that is the basis for calculating interest, an "Offset method" field for selecting either "0: Interest included" which includes interest in the main amount and the settlement, or "1: Separate settlement of main amount and interest" which includes the main amount and interest being settled separately, a "Number of days" field for selecting either "0: Normal" which calculates the number of days in a month according to the calendar, or "1: 30-day calculation" which calculates by treating a month as 30 days, and an "Interest rate" field for inputting the interest rate agreed upon with the trading partner (offset party).

[0043] An example of the interest calculation process in this embodiment will be described with reference to Figures 4 to 6. Figure 4 is a diagram showing an example of an account receivable / payable offset input screen in this embodiment. Figures 5 and 6 are diagrams showing an example of the interest calculation process in this embodiment.

[0044] As shown in FIG. 4, in this embodiment, the billing data and payment request data for the specified business partner are called up on the credit / debt offset input screen, and interest calculation is performed simultaneously on the payment schedule data and billing data based on the conditions of "interest calculation date", "number of days", and "interest rate" specified on the interest calculation condition specification screen, and the interest amount is displayed. Here, in this embodiment, when the interest calculation conditions of "interest calculation date: 2021 / 06 / 30", "number of days: normal", and "interest rate: 1%" are specified, the credit interest payment amount and debt interest receivable amount shown in FIG. 5 are calculated, and when the interest calculation conditions of "interest calculation date: 2021 / 06 / 30", "number of days: 30-day calculation", and "interest rate: 1%" are specified, the credit interest payment amount and debt interest receivable amount shown in FIG. 6 are calculated. In this embodiment, the fractional treatment of interest calculation may be set by the amount fractional classification (rounding up, rounding down, or rounding up) of the master (set to rounding up in FIGS. 5 and 6). In addition, in this embodiment, if the payment method or collection method is a bill, the bill maturity date may be used in calculating the number of days.

[0045] An example of a payment condition designation screen in this embodiment will be described with reference to Fig. 7 to Fig. 9. Fig. 7 to Fig. 9 are diagrams showing an example of a payment condition designation screen in this embodiment.

[0046] As shown in FIG. 7, in the payment condition specification screen in this embodiment, when the user specifies "Offset method: Interest included" as the interest calculation condition in the interest calculation condition specification screen, the finally calculated claim balance, interest amount at offset, and settlement amount are displayed. Here, in the payment condition specification screen in this embodiment, the date on which the difference after offset is paid or collected may be specified in the "Settlement date" field, the payment method in the case where a debt remains after offsetting, or the collection method in the case where a claim remains after offsetting, may be specified in the "Means" field, and when the "Means" is a bill, the bill site may be specified in the "Bill site" field, and the bill due date may be specified in the "Bill due date" field. Also, as shown in FIG. 7, the settlement amount in this embodiment may be the amount obtained by subtracting interest from the difference between the claim and the debt, and may be obtained, for example, by the formula "claim balance (2,000,000) - interest paid (10,519) = settlement amount (1,989,481)".

[0047] Also, as shown in Fig. 8, in the payment condition specification screen in this embodiment, when the user specifies "offset method: separate payment of main body and interest" and "number of days: normal" as interest calculation conditions on the interest calculation condition specification screen, the main body amount (receivable balance) and interest amount are displayed separately. Note that, as shown in the payment condition specification screen in Fig. 8, in this embodiment, when the main body amount is settled on a date other than the interest calculation date, the interest is recalculated according to the formula "remaining amount after offset (2,000,000) x interest rate (1%) x (31 days / 365 days) = 1,699 yen", and when the user inputs an adjustment amount in the "interest rate adjustment" field, the interest payment amount (interest amount on different settlement date) may be obtained according to the formula "interest amount at offset (10,519 yen) - interest amount for settlement day (1,699 yen) + interest adjustment amount (1 yen) = 8,817 yen".

[0048] Furthermore, as shown in Figure 9, in the payment conditions specification screen of this embodiment, when the user specifies the interest calculation conditions as "Offset method: separate payment of principal and interest" and "Number of days: 30-day calculation" on the interest calculation conditions specification screen, the principal amount (receivable balance) and interest amount based on a 30-day month are displayed separately.

[0049] [4. 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.

[0050] 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.

[0051] Furthermore, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

[0052] 5. 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.

[0053] 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.

[0054] 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.

[0055] Moreover, with regard to the offsetting interest management device 100, the components shown in the figures are merely conceptual functional elements, and the device does not necessarily have to be physically configured as shown in the figures.

[0056] For example, the processing functions of the offset interest management device 100, particularly the processing functions performed by the control unit 102, 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 contains programmed instructions for causing the information processing device to execute the processing described in this embodiment, and is mechanically read by the offset interest management device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processing 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.

[0057] In addition, this computer program may be stored in an application program server connected to the offset interest rate management device 100 via any network, and it is also possible to download all or part of it as needed.

[0058] 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.

[0059] 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 configuration that is distributed as a plurality of modules or libraries, and a program that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, may use well-known configurations and procedures.

[0060] The various databases etc. stored in the memory unit 106 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.

[0061] The offset interest management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The offset interest management device 100 may be realized by implementing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

[0062] 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]

[0063] The present invention is useful in industries such as the trading industry, where there are many situations where interest calculations are necessary, and the wholesale industry of ready-mix concrete and cement, where fees are incurred for each buyer and supplier and offsetting of receivables and payables is common. [Explanation of symbols]

[0064] 100 Offsetting interest rate management device 102 Control section 102a Interest calculation condition acquisition section 102b Interest Acquisition Section 102c Offset screen display section 104 Communication interface section 106 Storage section 106a Trade Database 108 Input / Output Interface Section 112 Input Devices 114 Output Device 200 Servers 300 Network

Claims

1. An offsetting interest management device having a memory unit and a control unit, The storage unit is a transaction storage means for storing claim data linking a scheduled collection amount and a scheduled collection date of the claim, and debt data linking a scheduled payment amount and a scheduled payment date of the debt; Equipped with The control unit is an interest calculation condition acquisition means for acquiring an interest calculation condition in which an interest calculation date and an interest rate are set; an offsetting interest acquisition means for executing an offsetting process between the claim data and the debt data, acquiring an amount of interest paid on the claim and an amount of interest received on the debt resulting from the offsetting process based on the interest calculation conditions, and acquiring an amount of interest paid on the claim and an amount of interest received on the debt based on the difference between the amount of interest paid on the claim and the amount of interest received on the debt; An offsetting interest rate management device comprising:

2. The offset interest acquisition means includes: The offsetting interest rate management device of claim 1, characterized in that it executes the offsetting process between the claim data and the debt data, and obtains the claim interest payment amount for the claim resulting from the offsetting process by multiplying the planned collection amount by the interest rate based on the interest calculation conditions, and obtains the debt interest receivable amount for the debt by multiplying the planned payment amount by the interest rate by the quotient when the number of days between the planned payment date and the interest calculation date is used as the dividend and 365 is used as the divisor, and obtains the debt interest receivable amount for the debt, and obtains the offsetting interest amount based on the difference between the claim interest payment amount and the debt interest receivable amount.

3. The interest calculation conditions are as follows:

3. The offset interest management device according to claim 1, further comprising a day condition that indicates whether the number of days in a month is to be the calendar or 30 days.

4. The offset interest acquisition means includes: Furthermore, the difference between the amount to be collected and the amount to be paid is obtained as the remaining amount after offsetting, The interest calculation conditions are as follows: The offsetting interest rate management device described in any one of claims 1 to 3 further comprises an offsetting method that indicates whether the offsetting interest amount is included in the offsetting balance and settled, or whether the offsetting interest amount and the offsetting balance are settled separately.

5. The offset interest acquisition means includes: Furthermore, when the offsetting method is set in the interest calculation conditions such that the offsetting interest amount is included in the offsetting remaining amount for settlement, the offsetting interest management device as described in claim 4 is characterized in that the amount obtained by subtracting the offsetting interest amount from the offsetting remaining amount is obtained as the settlement amount.

6. The offset interest acquisition means includes: Furthermore, when the offsetting method is set in the interest calculation conditions to settle the post-offset balance and the offsetting interest amount separately, and when the settlement date of the post-offset balance is different from the interest calculation date, the amount obtained by multiplying the post-offset balance by the interest rate and the quotient when the number of days between the settlement date of the post-offset balance and the interest calculation date is used as the dividend and 365 is used as the divisor is obtained as the settlement day interest amount, and the amount obtained by adding or subtracting the settlement day interest amount from the offsetting interest amount is obtained as the different settlement day interest amount.

7. The said differential settlement date interest amount is: An interest rate management device at the time of offsetting as described in claim 6, characterized in that if the balance after offsetting is a remaining debt amount and the settlement date of the balance after offsetting is prior to the interest calculation date, or if the balance after offsetting is a remaining claim amount and the settlement date of the balance after offsetting is after the interest calculation date, the interest rate to be received is the interest rate to be received.

8. The said differential settlement date interest amount is: An interest rate management device at the time of offsetting as described in claim 6, characterized in that if the balance after offsetting is a debt remaining amount and the settlement date of the balance after offsetting is after the interest calculation date, or if the balance after offsetting is a claim remaining amount and the settlement date of the balance after offsetting is before the interest calculation date, it is interest paid.

9. The offset interest acquisition means includes: An interest rate management device at the time of offsetting as described in claim 1, characterized in that it executes the offsetting process between the claim data and the debt data, obtains the claim interest payment amount for the claim and the debt interest received amount for the debt resulting from the offsetting process based on the interest calculation conditions, and when a claim interest adjustment amount for the claim interest payment amount and / or a debt interest adjustment amount for the debt interest received amount is set by the user, obtains the difference between the amount obtained by adding or subtracting the claim interest adjustment amount to or from the claim interest payment amount and the amount obtained by adding or subtracting the debt interest adjustment amount to or from the debt interest received amount as the interest amount at the time of offsetting.

10. The control unit is an offset screen display means for displaying an offset screen showing the offset interest amount; 10. The offset interest management device according to claim 1, further comprising:

11. A method for managing interest rates at the time of offsetting executed by an interest rate management device having a memory unit and a control unit, The storage unit is a transaction storage means for storing claim data linking a scheduled collection amount and a scheduled collection date of the claim, and debt data linking a scheduled payment amount and a scheduled payment date of the debt; Equipped with The control unit executes: an interest calculation condition acquisition step for acquiring an interest calculation condition in which an interest calculation date and an interest rate are set; an offsetting interest acquisition step of executing an offsetting process between the claim data and the debt data, acquiring an amount of interest payable on the claim and an amount of interest received on the debt resulting from the offsetting process based on the interest calculation conditions, and acquiring an amount of interest payable on the claim and an amount of interest received on the debt based on the difference between the amount of interest payable on the claim and the amount of interest received on the debt; A method for managing interest rates at the time of offsetting, comprising:

12. An offset interest rate management program to be executed by an offset interest rate management device having a memory unit and a control unit, The storage unit is a transaction storage means for storing claim data linking a scheduled collection amount and a scheduled collection date of the claim, and debt data linking a scheduled payment amount and a scheduled payment date of the debt; Equipped with In the control unit, an interest calculation condition acquisition step for acquiring an interest calculation condition in which an interest calculation date and an interest rate are set; an offsetting interest acquisition step of executing an offsetting process between the claim data and the debt data, acquiring an amount of interest payable on the claim and an amount of interest received on the debt resulting from the offsetting process based on the interest calculation conditions, and acquiring an amount of interest payable on the claim and an amount of interest received on the debt based on the difference between the amount of interest payable on the claim and the amount of interest received on the debt; An offsetting interest management program to implement the above.

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