Claims Secured Allocation Device, Claims Secured Allocation Method, and Claims Secured Allocation Program

Abstract

To provide a bond security allocation device, bond security allocation method and bond security allocation program which can execute automatic allocation of bonds and securities according to the bond preservation allocation rule that sets the attributes of bonds and debts including collateral kinds in advance.SOLUTION: On the basis of a collateral type master set by associating a collateral type with a collateral classification, when collateral data set with the collateral type associated with the collateral classification which is a debt are stored, the collateral data are allocated to bond data.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to a creditor's right collateral allocation device, a creditor's right collateral allocation method, and a creditor's right collateral allocation program.

Background Art

[0002] Patent Document 1 discloses a configuration in which collateral is allocated in an order based on a combination of a specific root classification that classifies whether a creditor's right of a customer who is substantially the same person registered by name is "specific" or "root", and a good general classification that classifies whether it is "good" or "general".

Prior Art Document

Patent Document

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the invention described in Patent Document 1, there is a problem that automatic allocation of creditor's rights and collateral cannot be executed according to the type of collateral.

[0005] The present invention has been made in view of the above problems, and an object of the present invention is to provide a creditor's right collateral allocation device, a creditor's right collateral allocation method, and a creditor's right collateral allocation program that can execute automatic allocation of creditor's rights and collateral in accordance with a creditor's right preservation allocation rule in which attributes of creditor's rights and debts including the type of collateral are preset.

Means for Solving the Problems

[0006] In order to solve the above-described problems and achieve the object, a collateral allocation device according to the present invention is a collateral allocation device including a storage unit and a control unit, wherein the storage unit stores transaction storage means for storing claim data in which the industry type, balance, and unallocated amount of a claim are associated and set, and collateral data in which the industry type, collateral type, collateral amount, and unallocated collateral amount of the claim are associated and set, and a collateral type master in which the collateral type and collateral classification are associated and set. The control unit includes debt allocation means for allocating the collateral data to the claim data when the collateral data in which the collateral type associated with the collateral classification as the debt is set is stored in the transaction storage means based on the collateral type master.

[0007] Further, in the collateral allocation device according to the present invention, when the collateral data in which the collateral type associated with the collateral classification as the debt is set is stored in the transaction storage means based on the collateral type master, and the same-industry claim data, which is the claim data in which the same industry type as the industry type set in the collateral data is set, is stored in the transaction storage means, the debt allocation means allocates the collateral data to the same-industry claim data.

[0008] Further, in the collateral allocation device according to the present invention, when the collateral data in which the collateral type associated with the collateral classification as the debt is set is stored in the transaction storage means based on the collateral type master, and the same-industry claim data, which is the claim data in which the same industry type as the industry type set in the collateral data is set, is stored in the transaction storage means, the debt allocation means allocates the collateral data to the same-industry claim data. When the same-industry claim data with a non-zero unallocated amount is not stored in the transaction storage means, the debt allocation means allocates the collateral data to the remaining claim data stored in the transaction storage means in proportion to the balance.

[0009] In addition, in the creditor's right collateral allocation device according to the present invention, the creditor's right data is further set with a creditor's right number associated therewith, and when the debt allocation means stores the collateral data in which the collateral type set in association with the collateral classification as the debt is stored in the transaction storage means based on the collateral type master, the collateral data is allocated to the creditor's right data in accordance with the creditor's right number order.

[0010] In addition, in the creditor's right collateral allocation device according to the present invention, the collateral type master is further set with a collateral type ranking associated therewith, and when the control unit stores the collateral data in which the collateral type set in association with the collateral classification as a preservation measure is stored in the transaction storage means based on the collateral type master, the control unit further includes preservation measure allocation means for allocating the collateral data to the creditor's right data in accordance with the collateral type ranking.

[0011] In addition, in the creditor's right collateral allocation device according to the present invention, the storage unit further includes an apportionment method master that sets industry limitation, industry priority, and balance apportionment as the industry apportionment method for creditor's right preservation, the collateral data is further set with the industry apportionment method associated therewith, and when the preservation measure allocation means stores the collateral data in which the collateral type set in association with the collateral classification as the preservation measure is set and the industry limitation is set as the industry apportionment method in the transaction storage means, and at the same time, the same industry creditor's right data that is the creditor's right data in which the same industry as the industry set in the collateral data is set is stored in the transaction storage means, the collateral data is allocated to the same industry creditor's right data.

[0012] Also, in the creditor's right collateral allocation device according to the present invention, the preservation measure allocation means further sets the collateral type associated with the collateral classification that is the preservation measure based on the collateral type master and the apportionment method master, and sets the industry priority as the industry apportionment method. When the collateral data is stored in the transaction storage means, and at the same time, when the same industry creditor's right data, which is the creditor's right data with the same industry set as the industry set in the collateral data, is stored in the transaction storage means, the collateral data is allocated to the same industry creditor's right data. When the same industry creditor's right data with a non-zero unallocated amount is not stored in the transaction storage means, the collateral data is allocated to the remaining creditor's right data stored in the transaction storage means in proportion to the balance.

[0013] Also, in the creditor's right collateral allocation device according to the present invention, the preservation measure allocation means further allocates the collateral data to the creditor's right data in proportion to the balance when the collateral data with the collateral type associated with the collateral classification that is the preservation measure set based on the collateral type master and the balance apportionment set as the industry apportionment method is stored in the transaction storage means.

[0014] Also, in the creditor's right collateral allocation device according to the present invention, when the collateral data with the collateral type associated with the debt collateral classification set based on the collateral type master is not stored in the transaction storage means, and the collateral data with the collateral type associated with the collateral classification that is the preservation measure is stored in the transaction storage means, the collateral data is allocated to the creditor's right data according to the collateral type order.

[0015] In addition, in the creditor's right collateral allocation device according to the present invention, in the collateral type master, a collateral item is further associated and set, and based on the collateral type master, the control unit determines that the collateral data in which the collateral type associated with the insurance collateral classification is set is stored in the transaction storage means, and when the same-industry creditor's right data, which is the creditor's right data in which the same industry as the industry set in the collateral data is set, is stored in the transaction storage means, insurance allocation means for allocating the collateral data to the same-industry creditor's right data according to the collateral item is further provided.

[0016] In addition, in the creditor's right collateral allocation device according to the present invention, when the collateral data in which the collateral type associated with the insurance collateral classification is set is not stored in the transaction storage means, the collateral data in which the collateral type associated with the insurance collateral classification is set is stored in the transaction storage means, and the same-industry creditor's right data, which is the creditor's right data in which the same industry as the industry set in the collateral data is set, is stored in the transaction storage means, the insurance allocation means is characterized by allocating the collateral data to the same-industry creditor's right data according to the collateral item.

[0017] In addition, in the creditor's right collateral allocation device according to the present invention, the control unit further includes allocation result acquisition means for acquiring an allocation result including creditor's right collateral allocation data in which the post-allocation collateral amount for each allocation combination of creditor's rights and collateral is set based on the creditor's right data and the collateral data.

[0018] Further, a method for allocating collateral for a claim according to the present invention is a method for allocating collateral for a claim execution device including a storage unit and a control unit. The storage unit stores transaction storage means for storing claim data in which the industry type, balance, and unallocated amount of the claim are associated and set, and collateral data in which the industry type, collateral type, collateral amount, and unallocated collateral amount of the claim are associated and set, and a collateral type master in which the collateral type and collateral classification are associated and set. When the collateral data in which the collateral type associated with the collateral classification as a debt is set based on the collateral type master is stored in the transaction storage means in the control unit, the debt allocation step of allocating the collateral data to the claim data is included.

[0019] Further, a program for allocating collateral for a claim according to the present invention is a program for allocating collateral for a claim execution device including a storage unit and a control unit. The storage unit stores transaction storage means for storing claim data in which the industry type, balance, and unallocated amount of the claim are associated and set, and collateral data in which the industry type, collateral type, collateral amount, and unallocated collateral amount of the claim are associated and set, and a collateral type master in which the collateral type and collateral classification are associated and set. In the control unit, when the collateral data in which the collateral type associated with the collateral classification as a debt is set based on the collateral type master is stored in the transaction storage means, the debt allocation step of allocating the collateral data to the claim data is executed.

Advantages of the Invention

[0020] According to the present invention, it is possible to reduce the operation load by eliminating human judgment in the allocation. Further, according to the present invention, it is possible to improve the business efficiency and strengthen the risk management system by automating the collateral allocation for claim preservation. Further, according to the present invention, it is possible to sequentially perform the allocation process of the collateral to the claim according to the master setting.

Brief Description of the Drawings

[0021]

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Embodiments for Carrying Out the Invention

[0022] Embodiments of the present invention will be described in detail based on the drawings. Note that the present invention is not limited by these embodiments.

[0023] [1. Summary] First, with reference to FIG. 1, the summary of the present invention will be described. FIG. 1 is a diagram showing an example of the collateral allocation process for creditor's rights in the present embodiment.

[0024] Conventionally, when a financial institution executes financing for a customer, in the allocation of creditor's rights and collateral, which is a business for allocating security to creditor's rights to avoid and grasp the risk of bad debt, the amount of collateral allocated to the creditor's rights is multiplied by the debtor classification (normal customer / customer with concern about bankruptcy, etc.) set separately to grasp the risky creditor's rights. Conventionally, the allocation of creditor's rights and collateral, the setting of debtor classification, and the grasping of risky creditor's rights are often incorporated into the system as operations, and the allocation settings are manually performed within the system. Conventionally, in a trading company, it is common to treat "accounts receivable" for which future collection (repayment) from a business partner is expected as creditor's rights, and to treat "accounts payable" for which future payment is necessary and "insurance" applied to creditor's rights (accounts receivable) as collateral. However, regarding the allocation of creditor's rights and collateral, there are regulations on the unique allocation order (which collateral takes precedence), and there are also regulations such as the creditor's rights for which allocation is possible being limited depending on the type of collateral (accounts payable, insurance, etc.). As a result, knowledge of advanced allocation judgment is required, misallocations by operators often occur, and it has been difficult to accurately grasp risky creditor's rights in subsequent operations.

[0025] Therefore, in the present embodiment, for the purpose of contributing to the achievement of accurate risk judgment, a mechanism is provided to automatically complete the allocation of creditor's rights and collateral according to the pre-set master content.

[0026] Here, as shown in FIG. 1, in the present embodiment, the collateral allocation process for creditor's rights for each customer is executed. Note that the collateral allocation in the present embodiment is performed only within the same customer, and no allocation is made to creditor's rights across customers (customers with different transaction partner codes within the same customer are grouped by the same name, and customers grouped by the same name are allocated). Also, in the present embodiment, when a customer holds creditor's rights that are in the same industry but have different lending items and business offices within the same customer, each collateral allocation may be prorated based on the unallocated balance at the time of allocation.

[0027] That is, as shown in FIG. 1, in the present embodiment, security is allocated to the claims of the same industry as the industry with debt, and the unallocated debt is allocated to the claims in proportion to the balance of the remaining unsecured claims (step SA-1).

[0028] Then, as shown in FIG. 1, in the present embodiment, security is allocated to the claims according to the industry-based allocation method (step SA-2). Here, the priority order of the security allocation of the preservation measures in the present embodiment may be in the order of "type of preservation measure" > "industry-based allocation method" > "business office code" > "security guarantee number". Furthermore, the "type of preservation measure" may include, with priority, "1. transaction deposit", "2. bank guarantee", "3. time deposit", "4. securities", "5. mortgage guarantee", "6. joint guarantee", "7. real estate", and "8. others".

[0029] In addition, the "industry-based allocation method" may include "1. industry limitation" in which allocation is performed only for the claims of the same business office and the same industry, "2. industry priority" in which allocation is preferentially performed for the claims of the same business office and the same industry, and the unallocated debt is allocated to the unsecured claims in proportion to the balance, and "3. balance-based allocation" in which the unallocated balance is allocated. Here, "1. industry limitation" is allocated only to the claims of the same industry as the industry of the preservation measure. When the preservation amount > the claim amount, the preservation amount exceeding the claim amount is not considered as preservation (recovery of claims from other industries is not possible: not allocated to the claims of other industries, etc.). Also, "2. industry priority" is allocated to the claims of the same industry as the industry of the preservation measure, and the preservation amount exceeding the claim amount is allocated to the unsecured claims of other industries in proportion to the unallocated balance. Note that the industry-based allocation method of the transaction deposit for data linkage may be industry priority. Also, "3. balance-based allocation" is allocated to all claims with an unallocated amount. Here, the allocated amount is the unallocated balance at the time of allocation, and the allocation is performed without considering the priority industry at all.

[0030] Then, as shown in FIG. 1, in this embodiment, in accordance with the industry allocation method of "1. Industry limitation", the collateral is assigned to the claim (step SA-3). Here, in this embodiment, on the collateral guarantee input screen, by setting the collateral type master, the insurance collateral for each collateral rate is selected, and according to the associated collateral type, the collateral rate set in advance in the master is referred to, and the collateral amount corresponding to the ratio of the uninsured amount at the time of the allocation process of insurance preservation is allocated. Note that the collateral type master can be added, modified, or deleted by the user. When adding a collateral rate, it is added to the collateral type master and an arbitrary ratio is set.

[0031] Note that the timing of the allocation calculation or the classification amount calculation in this embodiment may be the monthly night processing, when the registration button on the claim details input screen is pressed, when the delete button on the claim details list screen is pressed, or when the registration button on the collateral guarantee input screen is pressed. Also, in this embodiment, at the timing when the claim data is linked daily, the calculation process is not performed.

[0032] [2. Configuration] An example of the configuration of the claim collateral allocation device 100 according to this embodiment will be described with reference to FIGS. 2 to 4. FIG. 2 is a block diagram showing an example of the configuration of the claim collateral allocation device 100 in this embodiment.

[0033] As shown in FIG. 2, the claim collateral allocation device 100 is a commercially available desktop personal computer. Note that the claim collateral allocation device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, or tablet personal computer.

[0034] The claim collateral allocation device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each unit included in the claim collateral allocation device 100 is communicably connected via an arbitrary communication path.

[0035] The communication interface unit 104 communicably connects the collateral assignment 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 communicably connecting the collateral assignment device 100 and the server 200 to each other, and is, for example, the Internet or a LAN (Local Area Network).

[0036] An input device 112 and an output device 114 are connected to the input / output interface unit 108. As the output device 114, in addition to a monitor (including a touch panel), a speaker or a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. Hereinafter, the output device 114 may be described as the monitor 114 or the printer 114, and the input device 112 may be described as the keyboard 112 or the mouse 112.

[0037] Various databases, tables, files, etc. are stored in the storage unit 106. A computer program for giving commands to the CPU (Central Processing Unit) in cooperation with the OS (Operating System) to perform various processes is recorded in the storage unit 106. 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, and an optical disk can be used. The storage unit 106 includes a transaction database 106a, a collateral type master 106b, and an apportionment method master 106c.

[0038] The transaction database 106a stores transaction data. Here, the transaction data may include customer data, prospect data, claim data, industry peer claim data, collateral data, and claim collateral allocation data, etc. Further, the transaction database 106a may store claim data in which the industry (type) of the claim, the balance, and the unallocated amount are associated and set, and collateral data in which the industry of the claim, the type of collateral, the amount of collateral, and the unallocated amount of collateral are associated and set. Here, the claim data may be set with a claim number associated. Further, the collateral data may be set with an industry allocation method associated.

[0039] The collateral type master 106b is a master in which the collateral type and the collateral classification are associated and set. Here, the collateral type master 106b may be set with a collateral type ranking associated. Further, the collateral type master 106b may be set with an itemized charge associated.

[0040] Here, referring to FIG. 3, an example of the collateral type master 106b in the present embodiment will be described. FIG. 3 is a diagram showing an example of the collateral type master 106b in the present embodiment.

[0041] As shown in FIG. 3, in the present embodiment, the collateral type master 106b has the collateral type, the collateral classification, and the itemized charge associated and set.

[0042] Returning to FIG. 2, the allocation method master 106c is a master in which the industry allocation method for claim preservation is set. Here, the allocation method master 106c may set industry limitation, industry priority, and balance allocation as the industry allocation method for claim preservation.

[0043] Here, referring to FIG. 4, an example of the allocation method master 106c in the present embodiment will be described. FIG. 4 is a diagram showing an example of the allocation method master 106c in the present embodiment.

[0044] As shown in FIG. 4, in the present embodiment, the allocation method master 106c may be a code master in which the industry allocation method for claim preservation is set.

[0045] Returning to FIG. 2, the control unit 102 is a CPU or the like that comprehensively controls the creditor's right collateral allocation device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs defining various processing procedures, and required data, and executes various information processes based on these stored programs. Conceptually in terms of functions, the control unit 102 includes a registration unit 102a, a debt allocation unit 102b, a preservation measure allocation unit 102c, an insurance allocation unit 102d, and an allocation result acquisition unit 102e.

[0046] The registration unit 102a registers various data including transaction data. Here, the registration unit 102a may register the transaction data in the transaction database 106a. Further, the registration unit 102a may perform master setting.

[0047] The debt allocation unit 102b allocates the collateral data with the collateral type set for the collateral classification which is the debt, to the creditor's rights data. Here, when the collateral data with the collateral type set for the collateral classification which is the debt is stored in the transaction database 106a based on the collateral type master 106b, the debt allocation unit 102b may allocate the said collateral data to the creditor's rights data. Further, when the collateral data with the collateral type set for the collateral classification which is the debt is stored in the transaction database 106a based on the collateral type master 106b, and the same-industry creditor's rights data which is the creditor's rights data with the same industry as the industry set for the said collateral data is stored in the transaction database 106a, the debt allocation unit 102b may allocate the said collateral data to the same-industry creditor's rights data. Also, when the collateral data with the collateral type set for the collateral classification which is the debt is stored in the transaction database 106a based on the collateral type master 106b, and the same-industry creditor's rights data which is the creditor's rights data with the same industry as the industry set for the said collateral data is stored in the transaction database 106a, the debt allocation unit 102b allocates the said collateral data to the same-industry creditor's rights data, and when the same-industry creditor's rights data with a non-zero unallocated amount is not stored in the transaction database 106a, the debt allocation unit 102b may allocate the said collateral data to the remaining creditor's rights data stored in the transaction database 106a in proportion to the balance. Further, when the collateral data with the collateral type set for the collateral classification which is the debt is stored in the transaction database 106a based on the collateral type master 106b, the debt allocation unit 102b may allocate the said collateral data to the creditor's rights data according to the creditor's rights number order.

[0048] The security measure allocation unit 102c allocates the security data with the security type associated with the security classification which is the security measure, to the claim data. Here, when the security data with the security type associated with the security classification which is the security measure is stored in the transaction database 106a based on the security type master 106b, the security measure allocation unit 102c may allocate the security data to the claim data according to the security type ranking. Also, based on the security type master 106b and the apportionment method master 106c, when the security data with the security type associated with the security classification which is the security measure is set, and the security data with the industry limitation set as the industry apportionment method is stored in the transaction database 106a, and also when the same-industry claim data which is the claim data with the same industry as the industry set in the security data is stored in the transaction database 106a, the security measure allocation unit 102c may allocate the security data to the same-industry claim data. Further, based on the security type master 106b and the apportionment method master 106c, when the security data with the security type associated with the security classification which is the security measure is set, and the security data with the industry priority set as the industry apportionment method is stored in the transaction database 106a, and also when the same-industry claim data which is the claim data with the same industry as the industry set in the security data is stored in the transaction database 106a, the security measure allocation unit 102c allocates the security data to the same-industry claim data, and when the same-industry claim data with a non-zero unallocated amount is not stored in the transaction database 106a, the security measure allocation unit 102c may allocate the security data to the remaining claim data stored in the transaction database 106a by balance apportionment. Also, based on the security type master 106b and the apportionment method master 106c, when the security data with the security type associated with the security classification which is the security measure is set, and the security data with the balance apportionment set as the industry apportionment method is stored in the transaction database 106a, the security measure allocation unit 102c may allocate the security data to the claim data by balance apportionment.In addition, when the security measure allocation unit 102c determines that the security data with the security type set for the security classification that is the debt is not stored in the transaction database 106a and the security data with the security type set for the security classification that is the security measure is stored in the transaction database 106a, the security data may be allocated to the creditor's right data according to the security type ranking.

[0049] The insurance allocation unit 102d allocates the security data with the security type set for the security classification that is insurance to the creditor's right data. Here, when the security data with the security type set for the security classification that is insurance is stored in the transaction database 106a based on the security type master 106b and the same-industry creditor's right data, which is the creditor's right data with the same industry type as the industry type set for the security data, is stored in the transaction database 106a, the security data may be allocated according to the ratio to the same-industry creditor's right data. In addition, when the security data with the security type set for the security classification that is the security measure is not stored in the transaction database 106a, the security data with the security type set for the security classification that is insurance is stored in the transaction database 106a, and the same-industry creditor's right data, which is the creditor's right data with the same industry type as the industry type set for the security data, is stored in the transaction database 106a, the security data may be allocated according to the ratio to the same-industry creditor's right data.

[0050] The allocation result acquisition unit 102e acquires the allocation result. Here, the allocation result acquisition unit 102e may acquire an allocation result including the creditor's right security allocation data in which the post-allocation security amount is set for each allocation combination of the creditor's right and the security based on the creditor's right data and the security data. In addition, the allocation result acquisition unit 102e may output (display or print output) the allocation result.

[0051] [3. Specific Example] A specific example of this embodiment will be described with reference to FIGS. 5 to 14.

[0052] [Collateral Allocation Process] Here, with reference to FIG. 5, an example of the collateral allocation process in the present embodiment will be described. FIG. 5 is a flowchart showing an example of the processing of the collateral allocation device 100 in the present embodiment.

[0053] As shown in FIG. 5, the debt allocation unit 102b determines whether the collateral data with the collateral type set according to the collateral classification that is the debt is stored in the transaction database 106a based on the collateral type master 106b (step SB-1).

[0054] And when the debt allocation unit 102b determines that the collateral data with the collateral type set according to the collateral classification that is the debt is not stored in the transaction database 106a (step SB-1: No), the process proceeds to step SB-3.

[0055] On the other hand, when the debt allocation unit 102b determines that the collateral data with the collateral type set according to the collateral classification that is the debt is stored in the transaction database 106a (step SB-1: Yes), the process proceeds to step SB-2.

[0056] Then, based on the collateral type master 106b, when the collateral data with the collateral type set according to the collateral classification that is the debt has the same industry type as the creditor's right data with the same industry type set, the debt allocation unit 102b allocates the collateral data to the creditor's right data of the same industry type. After the allocation, when there is no creditor's right data of the same industry type with a non-zero unallocated amount stored in the transaction database 106a, the collateral data is allocated to the remaining creditor's right data stored in the transaction database 106a in proportion to the balance (step SB-2).

[0057] Then, the security measure allocation unit 102c determines whether the security data with the security type associated with the security classification as the security measure is stored in the transaction database 106a based on the security type master 106b (step SB-3).

[0058] If the security measure allocation unit 102c determines that the security data with the security type associated with the security classification as the security measure is not stored in the transaction database 106a (step SB-3: No), the process proceeds to step SB-5.

[0059] On the other hand, if the security measure allocation unit 102c determines that the security data with the security type associated with the security classification as the security measure is stored in the transaction database 106a (step SB-3: Yes), the process proceeds to step SB-4.

[0060] Then, the security measure allocation unit 102c assigns the security data with the security type associated with the security classification as the security measure to the claim data (step SB-4).

[0061] Then, the insurance allocation unit 102d determines whether the security data with the security type associated with the security classification as insurance is stored in the transaction database 106a and whether the same-industry claim data, which is the claim data with the same industry type as the industry type set in the security data, is stored in the transaction database 106a based on the security type master 106b (step SB-5).

[0062] If the insurance allocation unit 102d determines that the security data with the security type associated with the security classification as insurance is not stored in the transaction database 106a or that the same-industry claim data, which is the claim data with the same industry type as the industry type set in the security data, is not stored in the transaction database 106a (step SB-5: No), the process proceeds to step SB-7.

[0063] On the other hand, when the insurance allocation unit 102d determines that the collateral data with the collateral type associated with the collateral classification of insurance is stored in the transaction database 106a and the same-industry creditor's right data, which is the creditor's right data with the same industry type as the industry type set in the collateral data, is stored in the transaction database 106a (step SB-5: Yes), the process proceeds to step SB-6.

[0064] Then, based on the collateral type master 106b, the insurance allocation unit 102d allocates the collateral data with the collateral type associated with the collateral classification of insurance according to the ratio to the same-industry creditor's right data (step SB-6).

[0065] Then, the allocation result acquisition unit 102e acquires an allocation result including the creditor's right collateral allocation data in which the post-allocation collateral amount is set for each allocation combination of the creditor's right and the collateral based on the creditor's right data and the collateral data stored in the transaction database 106a (step SB-7), and ends the process.

[0066] Here, with reference to FIGS. 6 to 14, an example of the creditor's right collateral allocation process in the present embodiment will be described. FIGS. 6 to 14 are diagrams showing an example of the creditor's right collateral allocation process in the present embodiment.

[0067] As shown in FIG. 6, in the present embodiment, through the user's input of the customer profile, the customer's customer data and the grouping data setting the range (such as a subsidiary) regarded as the same customer are registered in the transaction database 106a. Through the user's input of the creditor's right details, the creditor's right data of the creditor's rights associated with the customer are registered in the transaction database 106a. Through the user's input of the collateral guarantee, the collateral data of the collateral associated with the customer are registered in the transaction database 106a.

[0068] Then, as shown in FIG. 7, in the present embodiment, automatic allocation of claims and securities is executed in accordance with the allocation rules as batch processing. That is, as shown in FIG. 7, in the present embodiment, for claims in the same industry as the debt among the claims, the security data of the security classification that is the debt is allocated. Here, as shown in FIG. 7, in the present embodiment, the claim data of claim number: 5 is in the same industry as the claim data of claim number: 1, but the allocation is executed starting from the claim data of claim number: 1 in the order of claim numbers. And, as shown in FIG. 8, in the present embodiment, since there is a remainder in the unallocated security amount set in the security data, automatic allocation is also applied to the claim data of claim number: 5, which is in the same industry as the claim data of claim number: 1.

[0069] Then, as shown in FIG. 9, in the present embodiment, due to industry limitation, the security data of the security classification that is a preservation measure is allocated to the claim data. That is, as shown in FIG. 9, in the present embodiment, due to industry limitation, the security data of security number 1 is allocated to the claim data of claim number 5. And, as shown in FIG. 10, in the present embodiment, due to industry priority, the security data of security number 3 is allocated to the claim data of claim number 3. And, as shown in FIG. 11, in the present embodiment, by proportional distribution of the balance, the security data of security number 4 is allocated to the claim data of claim numbers 2 - 5 that have an unallocated amount. And, as shown in FIG. 12, in the present embodiment, due to industry priority, the security data of security number 2 is allocated to the claim data of claim number 5 in the same industry. However, as a result of the search by industry and business office, there is no counterclaim. Therefore, by proportional distribution of the balance, the remaining security data of security number 2 is allocated to the claim data of claim numbers 2 - 5 that have an unallocated amount.

[0070] Then, as shown in FIG. 13, in the present embodiment, the security data of security number 5 of the security classification that is insurance is allocated to the claim data of claim number 3 in the same industry.

[0071] Then, as shown in FIG. 14, in the present embodiment, a debt guarantee automatic allocation result including the allocated debt data, the allocated collateral data, and the debt guarantee allocation data in which the allocated collateral amount for each combination of debt and collateral is set is obtained.

[0072] [4. Contribution to the United Nations' Sustainable Development Goals (SDGs)] According to the present embodiment, since it can contribute to improving business efficiency and promoting appropriate business judgment of the enterprise, it is possible to contribute to Goals 8 and 9 of the SDGs.

[0073] In addition, according to the present embodiment, since it can contribute to reducing waste loss and promoting paperless and digitization, it is possible to contribute to Goals 12, 13, and 15 of the SDGs.

[0074] In addition, according to the present embodiment, since it can contribute to strengthening control and governance, it is possible to contribute to Goal 16 of the SDGs.

[0075] [5. Other Embodiments] The present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims, in addition to the above-described embodiments.

[0076] For example, among the processes described in the embodiment, all or part of the processes described as being automatically performed can be manually performed, or all or part of the processes described as being manually performed can be automatically performed by a known method.

[0077] In addition, regarding 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 the drawings, they can be arbitrarily changed unless otherwise specified.

[0078] Also, regarding the creditor's right collateral allocation device 100, each of the illustrated components is a functional concept and does not necessarily have to be physically configured as shown in the figure.

[0079] For example, regarding the processing functions provided by the creditor's right collateral allocation device 100, particularly each processing function performed by the control unit 102, all or any part of them may be realized by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware by wired logic. Note that the program is recorded on a non-transitory computer-readable recording medium including programmed instructions for causing an information processing device to execute the processing described in the present embodiment, and is mechanically read by the creditor's right collateral allocation 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 an HDD (Hard Disk Drive). This computer program is executed by being loaded into the RAM and constitutes the control unit in cooperation with the CPU.

[0080] Also, this computer program may be stored in an application program server connected to the creditor's right collateral allocation device 100 via an arbitrary network, and all or part of it can be downloaded as necessary.

[0081] Further, a program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium, or may be configured as a program product. Here, this "recording medium" includes any "portable physical medium" such as a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile Disk), and a Blu-ray (registered trademark) Disc.

[0082] Also, the "program" is a data processing method described in any language or description method, and is not limited to a form such as source code or binary code. Note that the "program" is not necessarily limited to being configured as a single entity, and includes those that are distributed as a plurality of modules or libraries, or those that achieve their functions in cooperation with another program represented by an OS. Regarding the specific configuration, reading procedure, and installation procedure after reading for reading the recording medium in each device shown in this embodiment, well-known configurations and procedures can be used.

[0083] The various databases and the like stored in the storage unit 106 are storage means such as a memory device such as a RAM or a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk, and store various programs, tables, databases, and web page files used for various processes and website provision.

[0084] Further, the collateral allocation 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 an arbitrary peripheral device is connected. Further, the collateral allocation device 100 may be realized by installing software (including programs or data, etc.) for realizing the processes described in the present embodiment in the device.

[0085] Furthermore, the specific form of the 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 arbitrary units according to various additions or according to the functional load. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

Industrial Applicability

[0086] The present invention is useful not only in the financial industry, but also in the trading industry that conducts transactions with various business companies that need to grasp risks for business partners, and in industries such as the wholesale industry and the manufacturing industry that attach importance to credit management operations.

Explanation of Signs

[0087] 100 Collateral allocation device 102 Control unit 102a Registration unit 102b Debt allocation unit 102c Preservation measure allocation unit 102d Insurance allocation unit 102e Allocation result acquisition unit 104 Communication interface unit 106 Storage unit 106a Transaction database 106b Collateral type master 106c Apportionment method master 108 Input / output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims

1. A claim security allocation device comprising a memory unit and a control unit, wherein the memory unit is a transaction memory means for storing claim data in which the industry type, balance, and unallocated amount of the claim are associated and set, and security data in which the industry type, security type, security amount, and unallocated security amount of the claim are associated and set; and a security type master in which the security type and security classification are associated and set; and is provided with; wherein the control unit is a debt allocation means for allocating the security data to the claim data when the security data in which the security type associated with the security classification as the debt is set is stored in the transaction memory means based on the security type master; A claim security allocation device characterized by comprising the above.

2. The debt allocation means is configured to allocate the security data to the same-industry claim data which is the claim data in which the same industry type as the industry type set in the security data is set and stored in the transaction memory means when the security data in which the security type associated with the security classification as the debt is set is stored in the transaction memory means based on the security type master. The claim security allocation device according to claim 1, characterized by the above.

3. The debt allocation means is configured to allocate the security data to the same-industry claim data which is the claim data in which the same industry type as the industry type set in the security data is set and stored in the transaction memory means when the security data in which the security type associated with the security classification as the debt is set is stored in the transaction memory means based on the security type master. When the same-industry claim data with a non-zero unallocated amount is not stored in the transaction memory means, the security data is allocated to the remaining claim data stored in the transaction memory means in proportion to the balance. The claim security allocation device according to claim 2, characterized by the above.

4. The claim data is further set with a claim number associated therewith, and the debt allocation means is configured to allocate the security data to the claim data in accordance with the claim number order when the security data in which the security type associated with the security classification as the debt is set is stored in the transaction memory means based on the security type master. The claim security allocation device according to claim 1, characterized by the above.

5. The security type master is further set with a security type ranking associated therewith, The control unit When the security data in which the security type associated with the security classification as a security measure is set based on the security type master is stored in the transaction storage means, a security measure allocation means for allocating the security data to the claim data according to the security type ranking The claim security allocation device according to claim 1, further comprising the above

6. The storage unit As an industry allocation method for claim security, an allocation method master in which industry limitation, industry priority, and balance allocation are set further comprising The security data Furthermore, the industry allocation method is set in association The security measure allocation means Furthermore, based on the security type master and the allocation method master, the security type associated with the security classification as the security measure is set, and the security data in which the industry limitation is set as the industry allocation method is stored in the transaction storage means. In addition, when the same-industry claim data, which is the claim data in which the same industry as the industry set in the security data is set, is stored in the transaction storage means, the security data is allocated to the same-industry claim data. The claim security allocation device according to claim 5, characterized in that

7. The security measure allocation means Furthermore, based on the security type master and the allocation method master, the security type associated with the security classification as the security measure is set, and the security data in which the industry priority is set as the industry allocation method is stored in the transaction storage means. In addition, when the same-industry claim data, which is the claim data in which the same industry as the industry set in the security data is set, is stored in the transaction storage means, the security data is allocated to the same-industry claim data. When the same-industry claim data with a non-zero unallocated amount is not stored in the transaction storage means, the security data is allocated to the remaining claim data stored in the transaction storage means according to the balance allocation. The claim security allocation device according to claim 6, characterized in that

8. The security measure allocation means Furthermore, when the security type associated with the security classification as the security measure is set based on the security type master and the apportionment method master, and the security data with the balance apportionment set as the industry apportionment method is stored in the transaction storage means, the security data is apportioned to the claim data in accordance with the balance apportionment. The claim security apportionment device according to claim 6, characterized in that.

9. The security measure apportionment means Based on the security type master, when the security data with the security type associated with the security classification as the debt is not stored in the transaction storage means, and the security data with the security type associated with the security classification as the security measure is stored in the transaction storage means, the security data is apportioned to the claim data according to the security type order. The claim security apportionment device according to claim 5, characterized in that.

10. The security type master Furthermore, an entry is set in association The control unit Based on the security type master, when the security data with the security type associated with the security classification as insurance is stored in the transaction storage means, and the claim data of the same industry type with the same industry type as the industry type set in the security data is stored in the transaction storage means, insurance apportionment means for apportioning the security data to the claim data of the same industry type according to the entry. The claim security apportionment device according to claim 5, further comprising:

11. The insurance apportionment means Based on the security type master, when the security data with the security type associated with the security classification as the security measure is not stored in the transaction storage means, the security data with the security type associated with the security classification as insurance is stored in the transaction storage means, and the claim data of the same industry type with the same industry type as the industry type set in the security data is stored in the transaction storage means, the security data is apportioned to the claim data of the same industry type according to the entry. The claim security apportionment device according to claim 10, characterized in that.

12. The control unit Allocation result acquisition means for acquiring an allocation result including the claim security allocation data in which the allocated security amount for each allocation combination of the claim and the security is set based on the claim data and the security data. The collateral allocation device according to any one of claims 1 to 11, further comprising

13. A collateral allocation method for causing a collateral allocation device including a storage unit and a control unit to execute, wherein the storage unit is a transaction storage means for storing claim data in which the industry type, balance, and unallocated amount of a claim are associated and set, and collateral data in which the industry type, collateral type, collateral amount, and unallocated collateral amount of the claim are associated and set; is a collateral type master in which the collateral type and collateral classification are associated and set; and includes a debt allocation step executed in the control unit, wherein when the collateral data in which the collateral type associated with the collateral classification as a debt is set based on the collateral type master is stored in the transaction storage means, the collateral data is allocated to the claim data; The collateral allocation method is characterized by including the above.

14. A collateral allocation program for causing a collateral allocation device including a storage unit and a control unit to execute, wherein the storage unit is a transaction storage means for storing claim data in which the industry type, balance, and unallocated amount of a claim are associated and set, and collateral data in which the industry type, collateral type, collateral amount, and unallocated collateral amount of the claim are associated and set; is a collateral type master in which the collateral type and collateral classification are associated and set; and includes in the control unit, a debt allocation step of allocating the collateral data to the claim data when the collateral data in which the collateral type associated with the collateral classification as a debt is set based on the collateral type master is stored in the transaction storage means; A collateral allocation program for causing the above to be executed.

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